Investor Presentaiton

Strong capital position bpts CET1 122 (28) 131 (77) (38) 10.2% 9.2% 9.1% 8.0% 14.3% Dec 14 APRA Jun 15 APRA Share Issue Jun 15 Final Dividend (Net of DRP) Cash NPAT Underlying Credit RWA 1 Other 2 Dec 15 APRA APRA Min 2016 Dec 15 Int'l 3 1 Excludes impact of FX and change in regulatory treatments. 2 Primarily relates to growth in IRRBB RWA and the impact of Credit RWA regulatory treatments. 3 Analysis aligns with the APRA study entitled "International capital comparison study" (13 July 2015). Commonwealth Bank of Australia / PERLS VIII Investor Presentation 17 CAN

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