1H24 Financial Results

Home - Home loans - resilience Strong repayment and savings buffers Repayment buffers (Payments in advance 1, % of accounts) 34%33% 34% Repayment buffers Payments on time 1, % of accounts) Structural: e.g. fixed rate loans New Accounts: <1 year on book Investment loans: negative gearing/tax benefits □ Dec 22 Jun 23 □ Dec 23 22% 22% 20% Residual 4% 5% 22%22% 20% 6% 4% 15%16%16% 5% 3% 12% 5% 3% 11%11% 2% 6% 6% 7% 6% 6% 6% 5% 6% 6% 9% 9% 9% > 2 years 1-2 years 6-12 months 3-6 months 1-3 months < 1 month On Time Dec 22 Jun 23 Dec 23 Application gross income band 6 months to Dec 23 - Funding $ Application gross income band 6 months to Dec 23 - Funding # 60% 60% Owner occupied (OO) Investor home loans (IHL) ☐ Owner occupied (OO) Investor home loans (IHL) 50% 50% 40% 40% 30% 30% 20% 20% 10% 10% 0% 0% Ok to 75k 75k to 100k 100k to 125k 125k to 150k 150k to 200k 200k to 500k > 500k Ok to 75k 75k to 100k 100k to 125k 125k to 150k 150k to 200k 200k to 500k > 500k 1. CBA including Bankwest. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. Includes offset facilities, excludes loans in arrears. 91

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