1H24 Financial Results

Capital management Disciplined & balanced approach to optimise growth, reinvestment, shareholder returns & flexibility Capital generation Reinvested in the Group Franchise growth Investment1 Credit RWA volume growth Investment Distributed to shareholders Dividends Dividends ($bn) Capital return Number of shares (bn) $3.5 $3.6 $1,027m 64 $1,074m 86 Equity DPS (cents) +$10bn +$8bn 215 963 988 Spend 210 $m 1H24 1H23 1H24 1H23 Invest in selected new services & digital experience CBA 1H23 Reinvest up to 20-30% Target NPAT in accretive growth Capital flexibility Retained Surplus retained CET1 Level 2 (%) Peers 3.5 13.1 12.2 12.3 3.1 11.5 3.0 Excess 10.25%3 1.8 1.5 1.5 1.3 8 553 CBA 1.7 1H24 FYOO 1H242 FY21 FY22 FY23 1H24 Lower share count to support ROE and DPS Continuing capital returns while retaining flexibility Sustainable dividends 1. Investment spend in the franchise and capital injected in minority equity investments. 2. CBA and peers shares on issue as at 31 December 2023. 3. APRA regulatory minimum of 8% under the previous framework up until 31 December 2022 and 10.25% under the revised framework effective from 1 January 2023 (inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%). 120

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