1H24 Financial Results

Home loans - resilience1 Savings and repayment buffers lessen potential negative cash flow outcomes. Proportion of variable rate owner occupier loans originated in the past 5 years estimated with negative cash flow at different cash rates Negative cash flow profile at 4.35% cash rate 3.7% 1.1% 5.2% 4.4% 3.7% 3.1% 2.2% 1.0% 500000 1.0% 0.6% 0.1% 0.9% 0.10% 3.60% 4.10% 4.35% 4.60% 4.85% Negative Cash Flow Cash rate More than 12 months of new repayments as buffer More than 12 times monthly cash flow deficit as buffer Positive cash flow with 10% expenses reduction Positive cash flow if IO Residual • Loans are limited to originations in the past 5 years • Income at origination is scaled by Wage Price Index . Assumes no changes to household composition and financial circumstances • Customer declared expenses² are scaled by Consumer Price Index and benchmarked against latest HEM • Assumes no other monthly debt commitments aside from repayments on home loans held with CBA and Bankwest 1. CBA including Bankwest. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. Originations limited to within the past 5 years. 2. Includes basic and discretionary expenses. 94

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