1H24 Financial Results

Sequential half operating income¹ Volume growth, higher other operating income and 3 more days, partly offset by margin compression • Margin compression (6bpts) 3 more days • +$189m • Volume growth² +1.9% • • Higher Markets trading and sales income Higher Retail FX, cards, deposit and lending fee income • Timing of dividend income from minority investments 13,512 $m 2H23 (15) Avg. Volume Growth Home loans Business loans 3 Insto. loans (3%) Deposits 0.2% 5% Net interest income 2% 152 Other operating income +1.0% 13,649 1H24 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 2. Excluding liquids. 3. Includes New Zealand and other business loans. 4. Excluding Cash Management Pooling Facilities. 75

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