1H24 Financial Results

Home loans - mix¹ Peak of fixed rate expiries in 1H24 Fixed vs variable rate stock and flow² Fixed rate expiry schedule³ Variable Fixed Previously expired • 30+ arrears: segment 1.11% vs portfolio 1.06% • 90+ arrears: segment 0.50% vs portfolio 0.52% Future expiries 62% 62% 66% 72% 81% 95% 97% 41 44 34 38% $206bn 38% $209bn 28 29 34% $192bn 28% $160bn 24 24 23 19% $111bn 5% $4bn 13 3% $2bn 11 $bn Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 2H23 1H24 6 mths to Jun 22 6 mths to Dec 22 6 mths to Jun 23 6 mths to Dec 23 6 mths to Jun 24 6 mths to Dec 24 6 mths to After Jun 25 Jun 25 Stock Flow 1. CBA including Bankwest. Excludes Lines of Credit, Reverse Mortgages, Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan, unless otherwise stated. 2. Includes Residential Mortgage Group and Unloan. Flow metrics are based on 6 months to June 2023 and December 2023. 3. CBA including Bankwest, excludes ASB. 89

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