1H24 Financial Results

Consumer arrears¹ Increase in arrears influenced by borrowers susceptible to higher cost of living - young, low income 1.4% 0.8% 0.46% |9,648 Credit cards Group 90+ days 0.55% 9,560 0.60% 9,915 44 52 59 $m Arrears Portfolio balance balance Dec 22 Arrears Portfolio balance balance Jun 23 Arrears Portfolio balance balance Dec 23 2019 2020 2021 2022 2023 1.8% 1.2% 0.95% Personal loans Group 90+ days 1.19% 1.14% 4,987 5,279 5,531 48 63 63 $m Arrears Portfolio balance balance Dec 22 Arrears Portfolio balance balance Jun 23 Arrears Portfolio balance balance Dec 23 2019 2020 2021 2022 2023 0.2% 0.6% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1. Group consumer arrears including New Zealand. 101

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