Investor Presentaiton

Funding and liquidity CBA's term maturity profile as at 31 December 2015 ($bn) 18 $ Billions 35 20 15 10 50505050 2016 2017 2018 2019 2020 2021 >2021 FY Long Term Wholesale Debt Covered Bonds CBA's funding by type as at 31 December 2015 CBA's liquid assets as at 31 December 2015 ($bn) $bn 1% 2% 3% 4% 160 1401 Customer Deposits 140 9% LCR 120 ST Wholesale Funding¹ 66 123% 100 LCR LT Wholesale Funding ≥ 12 months 80 Covered Bonds 60 113 Min (100%) 40 74 17% LT Wholesale Funding < 12 months 64% 20 RMBS 0 Net Cash outflows Liquidity Hybrids ■Net cash outflows High quality liquid assets ■Committed liquidity facility 1. Includes central bank deposits and liabilities due to other financial institutions (including collateral received) 1. Liquids are reported net of applicable regulatory haircuts. Commonwealth Bank of Australia / PERLS VIII Investor Presentation CAN

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