Slides
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Results Presentation and Investor Discussion Pack For the full year ended 30 June 2026 Commonwealth Bank of Australia
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2 Important information The material in this presentation is general background information about the Group and its activities current as at the date of this presentation, 12 August 2026. It is information given in summary form and does not purport to be complete. It is intended to be read by a professional analyst audience, is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. Investors should consider these factors, and consult with their own legal, tax, business and/or financial advisors in connection with any investment decision. This presentation contains certain forward-looking statements regarding the financial condition, capital adequacy, operations and business of the Group and certain plans and objectives of the management of the Group. Forward-looking statements can generally be identified by the use of words such as “may”, “will”, “would”, “could”, “expect”, “intend”, “plan”, “aim”, “estimate”, “target”, “anticipate” or other similar words, and include statements regarding the Group’s intent, belief or current expectations with respect to the Group’s business and operations, market conditions, results of operations and financial condition, capital adequacy and risk management. Such forward-looking statements speak only as at the date of this presentation and are provided to assist investors with their understanding of the Group. Past performance is not a reliable indicator of future performance. Although the Group currently believes the forward-looking statements have a reasonable basis, they are not certain and involve known and unknown risks and assumptions, many of which are beyond the control of the Group, which may cause actual results, conditions or circumstances to differ materially from those expressed or implied in such statements. Actual results may vary significantly from those anticipated or suggested by forward-looking statements, due to a range of factors, including but not limited to those outlined in the sections titled ‘Our operating context’ and ‘Managing our risks’ in our 2026 Annual Report, available at commbank.com.au/annualreport. Readers are cautioned not to place undue reliance on forward-looking statements, particularly in light of: rising macroeconomic uncertainty, heightened geopolitical risks and volatility, increased competitive intensity and the evolving technological landscape. To the maximum extent permitted by law, responsibility for the accuracy or completeness of any forward-looking statements, whether as a result of new information, future events or results or otherwise, is disclaimed. The Group is under no obligation to update any of the forward-looking statements contained within this presentation, subject to applicable disclosure requirements. Any forward-looking statements made by members of the Group’s management in connection to this presentation, verbally and in writing, are also subject to the same limitations, uncertainties and assumptions which are set out in this presentation. The material in this presentation does not constitute an offer to sell, or a solicitation of an offer to subscribe or buy, any securities in the United States or in any other jurisdiction in which such an offer would be illegal and this presentation should not be distributed in those jurisdictions. Any securities of the Group to be offered and sold have not been, and will not be, registered under the Securities Act of 1933, as amended (U.S. Securities Act), or the securities laws of any state or other jurisdiction of the United States. Accordingly, any securities of the Group may not be offered or sold, directly or indirectly, in the United States unless they have been registered under the U.S. Securities Act or are offered and sold pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and any other applicable U.S. state securities laws. Readers should also be aware that certain financial data in this presentation may be considered “non-Generally Accepted Accounting Principles” (non-GAAP) financial measures under Regulation G of the Securities Exchange Act of 1934, as amended, and “non-International Financial Reporting Standards” (non-IFRS) financial information under Regulatory Guide 230 ‘disclosing non-IFRS financial information’ published by ASIC, including Net Profit After Tax (cash basis), earnings per share (cash basis), dividend payout ratio (cash basis), and return on equity (cash basis). The disclosure of such “non-GAAP” and “non-IFRS” financial measures in the manner included in this presentation may not be permissible in a registration statement under the U.S. Securities Act. Although the Group believes that these “non-GAAP” and “non-IFRS” financial measures provide a useful means through which to examine the underlying performance of the business, such “non-GAAP” and “non-IFRS” financial measures do not have a standardised meaning prescribed by Australian Accounting Standards or IFRS and therefore may not be comparable to similarly titled measures presented by other entities. They should be considered as supplements to the financial statement measures that have been presented in accordance with the Australian Accounting Standards or IFRS and not as a replacement or alternative for them. Readers are cautioned not to place undue reliance on any such measures. This presentation includes credit ratings and is only for distribution to persons who are entitled to receive such a presentation and anyone who receives this presentation must not distribute it to any person who is not entitled to receive it. A credit rating is not a recommendation to buy, sell or hold any securities and may be changed at any time by the applicable credit ratings agency. Each credit rating should be evaluated independently of any other credit rating. Credit ratings are for distribution only to a person (a) who is not a “retail client” within the meaning of section 761G of the Corporations Act 2001 (Cth) and is also a sophisticated investor, professional investor or other investor in respect of whom disclosure is not required under Part 6D.2 or 7.9 of the Corporations Act 2001 (Cth), and (b) who is otherwise permitted to receive credit ratings in accordance with applicable law in any jurisdiction in which the person may be located. The release of this announcement was authorised by the Board. Commonwealth Bank of Australia | Media Release 216/2026 | ACN 123 123 124 | Commonwealth Bank Place South, Level 1, 11 Harbour Street, Sydney NSW 2000
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Contents CEO & CFO presentations 4 Overview & strategy 37 Financial overview 53 Home & consumer lending 73 Business & corporate lending 86 Funding, liquidity & capital 97 Economic overview 119 Sources, glossary & notes 129 Slide count Pack FY25 Pack CEO 16 18 CFO 15 17 Supplementary - Overview & strategy 15 10 - Financial overview 19 18 - Home & consumer lending 12 12 - Business & corporate lending 10 8 - Funding, liquidity, capital 21 22 - Economic overview 7 7 - Sources, glossary & notes 10 9 TOTAL 125 121 Peers FY25 Pack ANZ (Peer 1) 101 NAB (Peer 2) 134 WBC (Peer 3) 125
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Results p resentation Matt Comyn, Chief Executive Officer
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5 This result 1 Customer focus, consistent execution and disciplined growth 1, 2, 3, 4, 5, 6, 7. Refer to sources, glossary and notes at the back of this presentation for further details. 20c DPS 44c Cash EPS 7% Cash NPAT 8% Statutory NPAT Growth vs system 1.0x home lending4 1.3x business lending5 Jun 26 vs Jun 25 Transaction accounts >655k retail accounts3 >90k business accounts Jun 26 vs Jun 25 MFI share2 34.2% Retail 26.0% Business Jun 26 CET1 Level 2 12.0% >10.25% APRA minimum7 Dividend per share $5.05 +20c vs FY25 Cash NPAT $11.0bn FY266 *Slide 5 1. Variances to prior comparative period on a continuing operations basis. 2. Refer to glossary at the back of this presentation for further details. 3. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 4. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 5. CBA Business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). 6. Presented on a continuing operations basis. 7. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. Return on equity1 14.0% +1.1% vs 10-year avg2 +1.0% vs 5-year avg2 Shareholder returns ~$8bn Benefitting >14m Australians3 1. Latest reported half year return on equity (cash basis) or equivalent. 2. Ten year average of last reported full year return on equity. 3. Includes the 2H25 dividend and 1H26 dividend paid to more than 790,000 direct shareholders and indirectly benefitting over 14 million Australians through their superannuation. Deposit funding 79% % of total funding BTAs: Jun 25: 1,331,195 Jun 26: 1,422,499 S/H returns 2H25: 4,351m 1H26: 3,933m
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6 Franchise strength Consistent, disciplined execution balancing growth, reinvestment and returns Disciplined volume growth Growth vs system 12 months to Jun 26 Stable margin Underlying net interest margin4 (%) Track record of pre-provision growth 5 year CAGR since FY21 Business deposits Business lending Home lending Household deposits System 1.0x 1.3x 1.0x 1.2x 1 2 1 3 2.04 2.05 FY25 FY26 Continued earnings growth Operating performance by division4 FY26 vs FY25 Stable returns Return on equity (ROE)6 (%) FY19 FY26 Peer avg CBA 5 4. Comparative information has been restated to conform to presentation in the current period. 5. ASB Bank only and calculated in NZD. 6. Return on equity (ROE) on a cash (or cash equivalent) continuing operations basis over average ordinary equity. Peer FY26 ROEs are for the six months to March 2026 and CBA ROE is for the full year to June 2026. +4.8% +5.2% Operating income Pre-provision profit Peer average5 1, 2, 3, 4, 5. Refer to sources, glossary and notes at the back of this presentation for further details. *Slide 6 1. Source: APRA MADIS 2.CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). 3.Source: APRA MADIS – Non-financial Business Deposits (including IB&M). 4.Underlying NIM in prior periods excludes the movement of average liquid assets and institutional reverse repo balances when compared to 2H26 average balances. Liquid assets and institutional reverse repos have a broadly neutral impact on net interest income. 5.Peer average represents 5 year CAGR from FY20 to FY25.
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7 Financials 1 Cash NPAT up 7% – strong operating income growth supporting investment in the franchise 1. Presented on a continuing operations basis. 2. Operating expenses excluding restructuring and notable items. For FY26 this relates to provisions for the settlement of legal proceedings in NZ, an additional goodwill payment made to certain customers as a result of ASIC’s Better Banking review, and domestic customer remediation. For FY25 this related to domestic and NZ customer remediation as well as a Bankwest restructuring provision. Operating income Strong volume growth with broadly stable underlying margin $m $m $m $m Operating expenses2 Inflation and investment in technology Pre-provision profit Higher operating income and growth in operating expenses Cash NPAT Strong franchise performance driving pre-provision profit growth 28,465 30,224 FY25 FY26 +6.2% 12,866 13,585 FY25 FY26 +5.6% 15,469 16,469 FY25 FY26 +6.5% 10,252 10,982 FY25 FY26 +7.1%
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8 • Disciplined operational execution • Leading physical and digital distribution • Distinctive products and services • More rewarding loyalty proposition Superior customer experience3 • Technology leader, history of innovation • Leading decisioning technology • Higher quality, lower risk lending • Personalisation and machine learning at scale Better understanding of customer needs and risk2 • Australia’s most valuable brand1 • Leading MFI share2 • Superior deposits and data franchise • Focus on NPS2 improvement Stronger customer relationships and frequency of engagement1 Core franchise Building stronger, deeper customer relationships 1. Source: Kantar’s BrandZ Top 100 Most Valuable Global Brands 2026, May 2026. 2. Refer to glossary at the back of this presentation for further details. Technology accelerating Favourable business mix Strong balance sheet and risk management Value creation Sector leading ROE, organic capital generation+ +
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9 409 680 Jun 16 Jun 26 Customer engagement Core franchise growth Consistent strategy, disciplined execution +66% 231 458 Jun 16 Jun 26 +98% +122% 119 252 Jun 16 Jun 26 +112% 1. Refer to glossary at the back of this presentation for further details. 2. Source: APRA MADIS. Jun 16 as reported per APRA Monthly Banking Statistics, and does not reflect any market restatements. 3. Represents Business Banking divisional business deposit and loan balances on a spot basis. Comparative information has been restated to conform to presentation in the current period. 4. FY26 Cash NPAT (continuing operations). FY16 Cash NPAT as reported. 5. Represents High Quality Liquid Assets. Retail NPS1 Household deposits2 Home lending Business NPS1 Business deposits3 Business lending3 Jun 16 Jun 26 +13 Jun 16 Jun 26 +20 $bn $bn $bn $bn Group Cash NPAT4 9.4 11.0 FY16 FY26 +16% Loans to customers Liquids5 & other assets NPAT4 $11bn $bn Deposit and lending growth Earnings Size 81 180 Jun 16 Jun 26 Jun 26 Liabilities & Equity $1.5tn Customer deposits Wholesale funding & other liabilities Shareholders’ equity Assets $1.5tn
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10 Performance summary Executing our strategy to deliver better outcomes 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13. Refer to sources, glossary and notes at the back of this presentation for further details. • ~70% of proprietary home loan applications auto-decisioned same day5; remainder receive first credit decision in <3 days 6 • ~30% faster time to credit decision for business loans up to $5 million 7; 15% higher funding per business banker 8 • Technology leadership – greater change velocity, fewer incidents and faster restoration times for services • Strong capital position & peer-leading return on equity of 14.0% 9 supporting franchise growth and sustainable dividends • Maintained primacy of relationships – strong retail MFI1 share of 34.2%, business MFI1 share of 26.0% • CBA proprietary home lending flow at 65% in FY2610; 79% proprietary business loans with better risk-adjusted returns11 • Market-leading digital customer experiences, building on our history of innovation, delivering deeper customer engagement • CommBank Yello easier to access, delivering greater value & deepening customer engagement across retail 12 & business13 Strategic differentiation Customer performance • Leading NPS1 in Consumer and Institutional – #1 in Consumer for 44 consecutive months • #1 Digital and mobile app NPS1 in both consumer and business • Increased total number of transaction accounts by >90k in business and >655k in retail 2 • Deepening digital engagement – more app users (>9.6 million, +600k)3, logging in more often (>14.3m daily logins) 4 Operational performance *Slide 10 1. Refer to glossary at the back of this presentation for further details. 2. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. June 2026 vs June 2025. 3. The total number of customers that have logged into the CommBank app at least once in the month of June 2026 vs June 2025. 4. The total number of logins to the CommBank app in the month of June 2026 divided by the number of days in the month. 5. Return on equity (ROE) on a cash (or cash equivalent) and continuing operations basis over average ordinary equity. Peer FY26 ROEs are for the six months to March 2026 and CBA ROE is for the full year to June 2026. 6. Progressive rollout to select retail and small business customers in FY26. 7. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashback, discounts and prize draws to retail customers from November 2023 to June 2026. 8. For eligible business customers. Note: CBA proprietary home lending flow decreased to 65% in FY26 (FY25: 66%;1H26: 67%; 2H26: 64%) CBA proprietary HL flow (ex. RSP) remained at 59% in FY26 (FY25: 59%, 1H26: 58%, 2H26: 61%, 2H25: 59%) Increase in new fundings with 18% growth in home lending and 15% in business lending5 23.06 Group Finance for ‘Operational Performance’ Maintained stable margins6 in a highly competitive environment Footnote: Underlying margin is broadly stable excluding the impact of liquid assets and institutional reverse sale and repurchase agreements. App users – 9,683,663 Daily logins – 14,317,111 BTAs: Jun 25: 1,331,195 Jun 26: 1,422,499 • Contributing to Australia’s cyber capability by connecting collaborating with financial institutions, government, industry and community Removed point - Record half-year absolute domestic lending and deposit volume growth Removed point - Maintained stable margins in a highly competitive environment Removed point - Deepening customer relationships driving strong transaction balance growth – all core segments Note: CBA proprietary home lending flow decreased to 65% in FY26 (FY25: 66%;1H26: 67%; 2H26: 64%) CBA proprietary HL flow (ex. RSP) remained at 59% in FY26 (FY25: 59%, 1H26: 58%, 2H26: 61%, 2H25: 59%)
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11 CommBank Companion Secure, AI-powered conversational experience helping customers manage their finances Pilot underway to select retail customers1 *Slide 11 1. Progressive rollout to select retail customers in FY26. 2. Refer to glossary at the back of this presentation for further details. 3. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 4. Source: APRA MADIS. 5. The total number of logins to the CommBank app in the month of June 2026 divided by the number of days in the month. 6. ‘Days’ relates to business days. Application times relate to average time to first decision for applications not auto- decisioned for FY26 (simple and complex applications excluding home seeker). 7. Proprietary home loan applications auto-decisioned using an automated credit rules engine in FY26. 8. Retail Banking Services contribution to FY26 Group cash NPAT (from continuing operations). 8.7 11.7 12.3 Jun 19 Jun 25 Jun 26 Retail Banking Services Stronger, deeper customer engagement driving long - term franchise strength 1 in 3 Australians describe CBA as their main financial institution >14.3 million daily logins to the CommBank app5 >97% home loans with a transaction account <3 days time to first decision proprietary & broker6 ~70% applications auto-decisioned same day – proprietary7 Retail MFI share2 Operating performance 7.9 8.4 FY25 FY26 $bn vs FY25 +6% 34.2% 42.6% 43.4% CBA 18-24 years 25-34 years Nearest peer 12.6%15.6% 13.6% Jun 26 +6%vs Jun 25 m 435 594 636 Jun 19 Jun 25 Jun 26 +7%vs Jun 25 Home lending4 Retail transaction accounts3 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. 51% contribution to Group cash NPAT8 $bn
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12 CommBank Companion AI-powered conversational experience supporting small business customers with insights & forward projections 100,000 small business customers1 6.2 6.8 FY25 FY26 89 159 180 Jun 19 Jun 25 Jun 26 0.8 1.3 1.4 Jun 19 Jun 25 Jun 26 Operating performance Business Banking Deeper customer relationships and differentiated propositions delivering sustained performance 1 in 4 Australian businesses describe CBA as their main financial institution ~30% faster time to credit decision for loans up to $5m6 +15% Funding per banker FY26 vs FY25 $bn vs FY25 +10% $bn +7%vs Jun 25 m vs Jun 25 41% contribution to Group cash NPAT7 *Slide 12 1. Progressive rollout to select small business customers in FY26. 2. Refer to glossary at the back of this presentation for further details. 3. Represents Business Banking divisional business loan balances on a spot basis. Comparative information has been restated to conform to presentation in the current period. 4. CBA Business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). Represents growth for the period May 2026 vs May 2025. 5. FY26 vs FY23. 6. Simple annual reviews applicable to business customer lending of up to $5 million since introduction in October 2024. 7. Business Banking contribution to FY26 Group cash NPAT (from continuing operations). 1, 2, 3, 4, 5, 6, 7. Refer to sources, glossary and notes at the back of this presentation for further details. +13% CBA +290bpts Peers Jun 19 Jun 26 Business MFI share2 Business lending3 Business transaction accounts #1 Australian businesses describe CBA as their main financial institution - - 10.3 - 7.3 8.2 - 7.3 23.1% 26.0% Jun 19 Jun 26 Avg of major bank peers #1 18.4% 19.1% ~30% reduction in time to credit decision for SME Funding per banker +15% ~80% Prop mix % better risk adjusted returns >80% funding through prop channel 1 in 4 Australian businesses describe CBA as their main financial institution 1.3x system Business lending growth vs system 12 months to May 264 ~90% business loans with a transaction account >3 days improvement in average time to credit decision vs FY235 85% reduction in time per annual review6 41% contribution to Group cash NPAT7 1.3x system4 business lending growth 79% proprietary business loans with better risk-adjusted returns5 >90% business loans with a transaction account
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13 58 66 Jun 25 Jun 26 34.7 59.8 Jun 25 Jun 26 2.4% 3.3% 3.4% FY16 FY25 FY26 Institutional Banking & Markets Leading client engagement and strong franchise momentum #1 Record high in Institutional Banking 12MMA MFI NPS among majors #3 (TBC) Combined league table7 May 2026 +17% growth in sustainable lending8 vs FY25 +33 New Transaction Banking mandates won in FY269 +21% growth in operating performance since FY1910 +13%vs Jun 25 vs FY16 1, 2, 3, 4, 5, 6, 7. Refer to sources, glossary and notes at the back of this presentation for further details. +42% *Slide 13 1. Represents the increase in the number of client engagements since launch in 2022. 2. Refer to glossary at the back of this presentation for further details. 3. Operational Deposits calculated as part of NSFR as defined by APRA Prudential Standard (APS 210). 4. Total IB&M revenue as a proportion of total Risk Weighted Assets, from the latest available disclosures. 5. Represents the percentage reduction in total Risk Weighted Assets from June 2016 to June 2026. 6. Includes actively managed Coverage clients only; clients are defined at Sales Group level and may comprise multiple customer entities, subject to a $1,000 annual revenue materiality threshold. Customer tiering may change and is applied retrospectively. 7. Net new mandates won (excluding inward clearing mandates) with IB&M clients that hold a Transaction Account and an additional Transaction Banking product, generating over $100k p.a. (run-rate). 8. Reflects latest publicly available figures from the FY20 Profit Announcement. 9. Institutional Banking & Markets contribution to FY26 Group cash NPAT (from continuing operations). Avg of major bank peers #1 11% contribution to Group cash NPAT11 Institutional NPS2 Revenue/Total RWA4 Operational deposits3 +59.2 NPS #1 Institutional NPS ($300m+) May 2026 +6% growth in operating performance vs FY25 CommBank iQ Customer and market insights that fuel our clients’ success and deepen our relationships 5x client growth1 2.4x system growth in CITB (IB&M and MCG Transaction & Savings) 26.5 29.4 #1 Institutional NPS2 among majors Jun 2026 28% reduction in total RWA over 10 years5 +11% growth in AIEA excl. Markets FY26 v FY25 +$70 billion Net deposit funding contribution Jun 26 11% contribution to Group cash NPAT7 +33 increase in Transaction Banking mandates in FY266 1. Ranking reflects combined volumes of the Australian Debt Capital Markets (AUD and NZD), Securitisation and Syndicated Loans tables, sourced from Bloomberg Finance L.P. Operating performance 1.7 1.8 FY25 FY26 vs FY25 +5% $bn -$34bn Reduction in total RWA over 10 years5 +2% vs FY25 +4% increase in products per customer FY26 vs FY246 $bn
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14 Digitised home buying origination Digital customer consent process with >25,000 digital home lending applications since launch Launched to ASB customers in FY261 @ 57 80 84 Jun 19 Jun 25 Jun 26 ASB Accelerating progress for all New Zealanders >2x increase in funding of social and affordable housing vs FY25 Reputation score2 Home lending4 vs Jun 25 +6% NZ$bn Customer deposits3 *Slide 14 1.Launched in November 2025. 2.Source: RepTrak Corporate Reputation survey, representative of New Zealanders aged 18+. Reputation scores shown are quarterly. New Zealand bank average includes ANZ, BNZ, Kiwibank and Westpac. 3.Represents ASB divisional total customer deposit balances (interest bearing and non-interest bearing) on a spot basis. 4.Represents ASB divisional home loan balances on a spot basis. 5.Canstar Digital Bank of the Year for four consecutive years. 6.Camorra active customers aged 15-79 of the 5 major banks (May 2026). 7.‘Days’ includes weekdays and weekends. Turnaround time relates to average time to first credit decision for proprietary home lending applications for FY26. 8.ASB contribution to FY26 Group Cash NPAT (from continuing operations). ASB Bank only and calculated in Australian dollars. 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. 61 86 91 Jun 19 Jun 25 Jun 26 vs Jun 25 +6% NZ$bn 72.2 76.6 76.9 Jun 19 Qtr Jun 25 Qtr Jun 26 Qtr Avg of major NZ banks 73.3 Fund Manager of the year awarded for top quartile performance for KiwiSaver12 76.4 72.5 2019 2026 ASB Peers3 2.7% 0.4% Home lending Business & rural lending5 Deposits4 Volume growth3 6 months to May 26 System ~2 days average turnaround time to first decision in proprietary channel1 Fund Manager of the Year Morningstar Kiwisaver for 20262 Footnotes 1. Days’ excludes weekends and public holidays. Turnaround time relates to average time to first credit decision for proprietary home lending applications for FY26. 2. Morningstar KiwiSaver fund manager of the year for 2026. Improvement driven by AI tools such as conversational IVR (Interactive Voice Response) in our Contact Centre which can answer simple questions and triage calls to the most appropriate ASB specialist Operating performance 1.9 1.9 FY25 FY26 vs FY25 -1% NZ$bn Digital Bank of the Year for four consecutive years5 Investing in risk culture & better customer outcomes >2x increase in funding of social and affordable housing vs FY25 KiwiSaver Fund Manager of the Year for strong performance7 10% contribution to Group cash NPAT8 22% share of active retail customers6 >$1.5 billion sustainable lending in FY266 ~2 days average turnaround time to first decision in proprietary channel6
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15 Reimagining products & services Technology leadership Improved velocity, resilience and efficiency Modernising technologyProtecting customers 1. Percentage of customer conversations initiated through the agentic chatbot channel that are successfully resolved without a human assisted servicing pathway. 2. Represents Business Bank funding per banker. 3. Represents the number of technology changes deployed. 4. Represents the total number of major incidents. 5. Represents Mean Time to Restore for incidents with material business and/or customer impacts. Automating processes • Launching CommBank Companion to improve digital experience • Piloting Banker Workbench to help more efficiently serve customers • Relationship Assist to better identify institutional client needs • Agentic messaging to improve contact centre efficiency • Upgraded Core banking system and data estate to Cloud • New customer identity and verification platforms • NetBank Next in advanced stages of staff pilot • Launched new mobile and web CommBiz • Proprietary security technology developed for advanced cyber models • Multi-agent code and vulnerability patching • Multi-agent fraud rule optimisation to help keep customers safe • Code and endpoint scanning using a range of tools and models • Agentic technology support for CBA employees • Automation of card dispute process for customers • Customer Engagement Engine operations • Software delivery lifecycle and change processes FY24 FY26 FY24 FY26 FY24 FY26 Increased change velocity3 Fewer major incidents4 Faster restore time5 FY24 FY26 Improved banker productivity2 Agentic messaging resolve rate1 86% FY26 +29% +64% -45% -80%
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16 Credit quality Supporting more Australians during uncertain times 1. Troublesome and non-performing exposures (TNPE). Non-performing exposures are exposures in default as defined in regulatory standard APS220 Credit Risk Management. Corporate troublesome exposures are defined as exposures to corporate customers where profitability is weak and the capacity to meet financial commitments is diminished. These customers are at higher risk of default over the next 12 months. 2. The Group uses four alternative macroeconomic scenarios to reflect a range of possible future outcomes in estimating the Expected Credit Loss (ECL) for significant portfolios. Scenarios are updated based on changes in both the macroeconomic and geopolitical environment. 3. Central scenario is based on the Group’s internal economic forecasts and market consensus as well as other assumptions used in business planning and forecasting. Assumes 100% weighting holding all assumptions including forward-looking adjustments constant and includes individually assessed provisions. Troublesome & non-performing exposures1 % of TCE Hardship Provisioning2 0.97% 0.89% Jun 25 Dec 25 Jun 26 Number of home loan cases in hardship Total provisions vs Central ECL3 Jun 26 0.94% $3.8bn Central scenario ECL Total provisions $2.7bn $6.5bn Jun 24 Dec 25 Jun 26 Recent peak (15%)
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17 57% 71% Jun 08 Jun 19 Jun 26 50 137 Jun 08 Jun 19 Jun 26 5.0%4 10.7%5 Jun 08 Jun 19 Jun 26 Balance sheet strength Long - term, conservative approach – well placed for a range of scenarios 1. Represents the Weighted Average Maturity (WAM) of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. 2. Liquid assets include high quality liquid assets as defined by APRA in Australian Prudential Standard APS210 Liquidity. Refer to glossary for definition. 3. Six month average balance as at 30 June 2008, quarterly average balance as at 30 June 2019 and 30 June 2026. 4. Pro-forma CET1 under the capital framework effective until 31 December 2022. 5. Capital framework effective until 31 December 2022. 6. APRA’s capital framework effective from 1 January 2023. 7. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. 3.5 5.1 Jun 08 Jun 19 Jun 26 GFC Pre- COVIDGFC Pre- COVID GFC Pre- COVID GFC Pre- COVID Capital CET1 ratio, Level 2 Liquid assets2 Average3, $bn Long-term funding Weighted Average Maturity1, yrs Deposit funding % of total funding 10.25% APRA minimum7 79% 5.2yrs $191bn 12.0%6
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18 19% 35% 27% 14% 9% 11% 12% 18% 46% Application volumes have softened CBA application volumes, (#)8 Impact of higher rates Household impacts unevenly felt 1. Source: APRA Quarterly ADI statistics. Reflects consolidated net interest income by ADI. 2. Source: Treasury. 3. Principal balances net of offsets. 4. Deposit balances excluding offsets. 5. On a nominal basis. Per customer, 13 weeks to end of June. Consistently active card customers and CBA branded products only. Based on consumer debit and credit card transactions data, excluding StepPay. 6. Customers with total home loans of $600k or more per person. 7. Source: ABS. CPI as at June 2026. 8. CBA including Bankwest. Excludes ASB, Unloan and Residential Mortgage Group. Represents the 4-week rolling average of the number of home loan applications to 31 July 2026 and 1 August 2025 respectively. ADI interest income and expense1 2026 vs 2021, 12 months to March, $bn Retail balances by age CBA balances as at Jun 26, % 74.7 110.7 88.9 64.0 53.8 138.7 164.5 Housing Mortgages3 Deposits4 55-64 18-24 45-54 25-34 35-44 65+ Age, years Interest income on loans Interest expense on deposits and borrowings JobKeeper COVID-19 support package2 Other loans Deposits Borrowings Household spending5 5 year change to 2026, % +24% +15% Prices7 Spending (average CBA home loan customer)6 Spending (average CBA non-home loan customer) Household spending 5 year change to 2026 (%) +23% +24% +15% Prices5 Spending (average CBA home loan customer)6,7 Spending (avg. CBA non-HL customer)6 Feb Mar Apr May Jun Jul Aug 12 May 2025 2026 -17% vs PCP -15% since May
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19 • Backed businesses with $50 billion7 in funding to help them invest, grow and employ people • Invested a further $140 million in our customer service network supporting communities across Australia8 • Launched $90 million Future Workforce Program9 to help our employees build skills and improve career pathways • Returned $8.3 billion to shareholders, benefitting over 14 million Australians10 Supporting our customers and communities Delivering better outcomes 1. Payment arrangements in FY26 defined at account level. Excludes Bankwest. 2. FY26. 3. Represents the increase in total committed exposures FY26 vs FY25. 4. CBA including Bankwest. Includes lending for newly built and residential constructions including knockdown and rebuild properties in FY26. 5. Includes expenditure on operational processes and upgrading functionalities in FY26. 6. Average daily suspicious card activity alerts sent from 1 July 2025 to 30 June 2026. 7. Business Banking business lending, new funding and drawdowns in FY26. 8. Announced June 2026. 9. Investment is presented gross of expected benefits. 10. Includes the 2H25 and 1H26 dividends paid to more than 790,000 direct shareholders and indirectly benefitting over 14 million Australians through their superannuation. Investing in Australia Supporting customers • Provided more than 147,000 tailored payment arrangements for customers in need of support1 • Helped our customers buy more than 150,000 homes2 and provided support for first-home buyers • Increased support for residential property development by $4 billion in FY26 to help boost housing supply3 • Lent ~$17 billion to customers purchasing newly built properties4 Protecting communities • Invested over $1 billion to help protect our customers against fraud, scams, cyber threats and financial crime5 • Developed AI-powered cyber defence agents – improving detection speed & response efficiency • Identified and alerted customers of suspicious card activity – ~40k alerts sent daily6 • Launched national AI, cybersecurity and digital capability initiative with OpenAI for 1 million small businesses
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20 CBA at a glance 1,2 Scale, security and customer support *Slide 20 1. In FY26. 2. CBA including Bankwest, excludes ASB unless otherwise stated. 3. Average number of property purchases in FY26 by working day, excluding NSW public & bank holidays. 4. Business Banking business lending, new funding and drawdowns. 5. Excludes Bankwest and ASB. 6. Payment arrangements for customers in need of support in FY26, defined at account level. 7. Monthly lodgements to AUSTRAC (TTR, IFTI & SMR submissions across CBA, Bankwest and ASB). 8. Monthly payment sanctions screening alerts created to be worked by Operations teams (CBA, Bankwest and ASB). 9. Monthly average of total retail and business transaction accounts, excluding offsets, includes Bankwest. 10.The total number of interactions with individuals, including non-CommBank customers, in vulnerable circumstances supported by CommBank Next Chapter in FY26. 11.Handled by our frontline staff. 12.Shared with the Anti-Scams Intelligence Loop 13.Include investment in tech infrastructure refresh and resilience. 14.Includes expenditure on operational processes and upgrading functionalities to help protect our customers against fraud, scams, cyber threats and financial crime. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15. Refer to sources, glossary and notes at the back of this presentation for further details. In a typical day In a typical month In the year home purchases settled3 payments processed payments blocked for fraud or scams suspicious card activity alerts sent lent to businesses4 cash disbursed to customers signals analysed for potential cyber threats deceased estates processed5 tailored payment arrangements for customers in need6 reports to AUSTRAC7 payment sanctions screening alerts generated8 prevented and recovered scams transactions accounts opened9 assisted customer interactions5,10 phishing sites taken down law enforcement requests received interactions supporting victims of financial abuse11 instances of abusive customer behaviour12 pieces of intelligence shared13 invested in tech modernisation14 invested in helping to protect customers15 • Serving all Australians, investing continuously, and financing productive growth requires sustainable returns, pricing that reflects cost and risk, and coherent, competitively neutral regulation. • CBA must be able to evolve how it serves customers as needs change, with accountability proportionate to actual harm, the timeliness of identification and the effectiveness of response, rather than an expectation of zero failure. Australians should expect • Broad access to banking services • Safe and reliable service • Reliable and consistent treatment and support in difficulty Meeting those expectations sustainably requires • Sustainable returns and capacity to invest • Pricing that reflects cost and risk • The ability to evolve as customer needs change • Equivalent obligations applied to all participants Reliability and response • Very high reliability • Prompt identification and resolution of issues • No assumption that every risk can be eliminated or prevented In a typical day In a typical month In the year 600 home purchases settled3 ~52,000 ~40,000 ~$135 million ~$130 million ~38 billion payments processed payments blocked for fraud or scams suspicious card activity alerts sent lent to businesses4 cash disbursed to customers signals analysed for potential cyber threats ~25 million ~6,000 deceased estates processed5 ~590,00 0 ~320,00 0 ~$12 million ~150,00 0 ~1.6 million tailored payment arrangements for customers in need6 reports to AUSTRAC7 payment sanctions screening alerts generated8 prevented and recovered scams transactions accounts opened9 assisted contact centre customer interactions5 ~12,000 ~1,340 phishing sites taken down >19,000 ~10,000 >10,000 ~$500 million >$1 billion law enforcement requests received interactions supporting victims of financial abuse10 instances of abusive customer behaviour11 pieces of intelligence shared12 invested in tech modernisation13 invested in helping to protect customers14 ~50,000 ~600 ~52,000 ~40,000 ~$135 million ~$130 million ~38 billion ~25 million ~6,000 ~590,000 ~320,000 ~$12 million ~150,000 ~3.2 million ~12,000 ~1,340 >19,000 ~10,000 >10,000 ~$500 million >$1 billion ~50,000
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Results p resentation Alan Docherty, Chief Financial Officer
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22 Dividend per share (cents) 93% $2.7bn $183bn $9.2bn Deposits & LT wholesale funding2 Above central scenario3 Hedge against lower rates4 CET1 above reg. minimum5 Results overview Long - term approach delivering superior shareholder returns 1, 2, 3, 4, 5. Refer to sources, glossary and notes at the back of this presentation for further details. Operating context Management response Long-term franchise implications • Leading Retail & Business MFI1 share • Profitable, disciplined growth in deposits and lending • Peer-leading C:I, ROE and dividend growth • Today’s balance sheet underpins future shareholder outcomes • Committed to supporting and protecting our customers • Careful management of volume/margin trade-offs • Creating capacity to invest • Balance sheet settings calibrated to optimise long-term outcomes • Pressure on real household disposable income • Softening credit growth • Rapid pace of change – tech & AI • Elevated geopolitical tensions and uncertainty Funding Interest rate risk Provisioning Capital *Slide 22 1. Refer to glossary at the back of this presentation for further details. 2. Deposits and long-term wholesale funding as a percentage of total funding (excluding equity). 3. Represents the difference between total actual provisions held and the expected credit loss in the central scenario 4. Represents FY26 average balance of domestic equity hedge and deposit hedge. 5. Surplus CET1 capital ratio above APRA regulatory minimum of 10.25% under the revised capital framework effective from 1 January 2023. Pre-provision profit ($bn) Strong pre-provision profit growth Superior shareholder returns Positioned for a range of scenarios FY26 financial outcomes 12.8 16.5 FY21 FY26 +29% 350 505 FY21 FY26 +44%
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23 Statutory vs cash NPAT 1 Statutory NPAT of $10.9 billion – broadly in line with Cash NPAT 1. Presented on a continuing operations basis. 2. Includes gains and losses net of transaction costs associated with the disposal of previously announced divestments. 3. Includes unrealised accounting gains and losses arising from the application of AASB 139 Financial Instruments: Recognition and Measurement. $m FY25 FY26 Statutory NPAT – continuing operations 10,133 10,911 Non-cash items: - Transaction costs and gains/(losses) on disposals2 (172) (17) - Hedging and IFRS volatility3 53 (54) Cash NPAT – continuing operations 10,252 10,982 Includes Bank of Hangzhou, SAF sales, Commonwealth Private Advice and other previously announced divestments and closures Primarily related to gains and (losses) on economic hedges3 from interest rate and FX volatility
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24 $m FY26 FY26 vs FY25 2H26 vs 1H26 Operating income 30,224 6.2% 1.2% Underlying operating expenses 13,585 5.6% 2.2% Restructuring and notable items2 170 Operating performance 16,469 6.5% 2.5% Loan impairment expense 788 8.5% 47.0% Cash NPAT 10,982 7.1% 1.7% FY26 result 1 Cash NPAT up 7% vs FY25 – strong operating income growth supporting investment in the franchise 1. Presented on a continuing operations basis. 2. For FY26 this relates to provisions for the settlement of legal proceedings in NZ, an additional goodwill payment made to certain customers as a result of ASIC’s Better Banking review, and domestic customer remediation. For FY25 this related to domestic and NZ customer remediation as well as a Bankwest restructuring provision. FY26 effective tax rate: 30.0%, FY27 consideration: ~30%
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25 28,465 30,224 1,563 196 FY25 Net interest income Other operating income FY26 3 5% 10% 11% 8% Home loans Business loans Insto. loans Deposits Avg. Volume Growth Operating income 1 Higher income from disciplined franchise growth 1. Presented on a continuing operations basis. 2. Excluding liquid assets and institutional repos which have a broadly neutral impact on net interest income. 3. Includes New Zealand and other business loans. 4. Includes a milestone payment recognised in relation to the sale of CommInsure General Insurance and a fair value gain on investment in Gemini following its Initial Public Offering. • Broadly stable margin excl. liquids & repos2 • Average lending volume growth • Average deposit volume growth +6.8% +8.2% • Higher insurance income • Higher CommSec equities income; and • Benefit of one-off gains4; partly offset by • Lower retail foreign exchange income $m +6.2% +1.2% 2H26 vs 1H26: +1.2% +2.9% on a day-weighted basis
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26 204 206- 2 3 1 1(5) 1H26 Liquids & repos Asset pricing Funding costs Replicating portfolio Portfolio mix Treasury & Markets 2H26 Group margin Benefits from hedging and portfolio mix partly offset by ongoing competitive pressures Home lending (2) Cash rate lag (2) Business & Insto. lending (1) Deposit pricing +1 Cash rate lag +1 bpts
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27 455 444 128 96 (404) 12,866 13,585 FY25 Inflation Investment in technology Investment in frontline and operations Other Productivity FY26 1. Presented on a continuing operations basis excluding restructuring and notable items. For FY26 this relates to provisions for the settlement of legal proceedings in NZ, an additional goodwill payment made to certain customers as a result of ASIC’s Better Banking review, and domestic customer remediation. For FY25 this related to domestic and NZ customer remediation as well as a Bankwest restructuring provision. Headline operating expenses +5.8% including these items. • Wage inflation including higher super guarantee • Vendor IT inflation +5% • Higher cloud consumption and software licensing • Investment in infrastructure, resilience & AI capabilities $m Cumulative cost savings realised (last 8 yrs): • FY26: $2,472m • FY25: $2,068m +5.6% Operating expenses 1 Inflation and investment in technology, frontline and operations driving expense growth Underlying cost to income: 45.2% 44.9% Contribution to mvt: (3.1%)+3.5% +3.5% +1.0% +0.7%
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28 Profitable growth Track record of decisions delivering sustainable pre - provision profit growth Creating capacity to investDisciplined approach to volume margin trade-off Profitable growth 28.4% 30.6% +6% +8% +12% Home lending Household deposits Business lending 304 404 FY21-FY25 Avg FY26 1.8 2.3 2.4 FY21 FY25 FY26 +5% 5 year CAGR 12.8 16.5 FY21 FY26 Volume growth 5 year CAGR % Jun 26 vs Jun 21 Growth vs System1 12 months to Jun 26 1.0x 1.0x 1.3x Share of bank NII4 Total NII share5 12 months to March Mar 20 Mar 26 Productivity Annual saving $m Investment spend Gross spend $bn 3 1. Source: APRA MADIS. 2. CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). 3. Represents Business Banking divisional business loan balances on a spot basis. Comparative information has been restated to conform to presentation in the current period. 4. Represents CBA’s share of total NII across five largest Australian banks based on market capitalisation as at 30 June 2026. 5. Defined as net interest income excluding notable items as reported for CBA and Peers. 2 Operating performance Pre-provision profit $bn +220bpts 1 1
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29 3.9 3.4 3.5 3.5 4.1 2.6 2.8 2.8 2.6 2.7 6.5 6.2 6.3 6.1 6.8 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26 0.68% 0.73% 1.02% 0.73% 1.56% 1.72% FY24 FY25 FY26 Consumer 6 5 6 Corporate 16 14 12 Total 9 7 8 802 726 788 FY24 FY25 FY26 % of TCE: Credit risk Impairment expense higher reflecting portfolio growth and increased global macroeconomic uncertainty 1. Loan impairment expense as a percentage of average gross loans and acceptances (bpts) annualised. 2. Group consumer arrears including ASB. 3. Non-performing exposures are exposures in default as defined in regulatory standard APS220 Credit Risk Management. Corporate troublesome exposures are defined as exposures to corporate customers where profitability is weak and the capacity to meet financial commitments is diminished. These customers are at higher risk of default over the next 12 months. Loan impairment expense Loan loss rate, bpts1 Arrears2 90+ days Troublesome & non-performing exposures3 Corporate, $bn Personal loansHome loans Credit cards Corporate non- performing Corporate troublesome 1.11% 1.01% 0.97% 0.90% 0.95% $m 1.25% 4.35% RBA cash rate Jun 19 Jun 26
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30 3.0 3.0 3.3 3.5 Jun 19 Dec 25 Jun 26 Provisioning 1 Maintaining strong provision coverage during uncertain times 1. The Group uses four alternative macroeconomic scenarios to reflect a range of possible future outcomes in estimating the Expected Credit Loss (ECL) for significant portfolios, scenarios are updated based on changes in both the macroeconomic and geopolitical environment. 2. APRA capital framework effective from 1 January 2023. 3. Assuming 100% weighting holding all assumptions including forward-looking adjustments constant and includes individually assessed provisions. 4. Central scenario is based on the Group’s internal economic forecasts and market consensus as well as other assumptions used in business planning and forecasting. 5. The downside scenario contemplates the potential impact of possible, but less likely, adverse macroeconomic conditions, resulting from significant inflationary pressures which leads to disorderly asset price declines, a sharp increase in credit spreads, corporate defaults and high unemployment. This is exacerbated by a breakdown in global trade and compounded by geopolitical risks. 3.8 8.3 Central scenario Recognised provisions Downside scenario Total credit provisions Provisions and scenarios Jun 26 TP/CRWA: 1.29% 1.55%2 1.53%2 6.3 $bn Corporate Consumer 4.8 Pre-COVID 3,53,4 $6.5bn $bn $6.5bn $2.7bn above central scenario
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31 226 594 980 Jun 08 Jun 19 Jun 26 37 86 191 13 51 Jun 08 Jun 19 Jun 26 57% 71% 79% 19% 20% 14%24% 9% 7% Jun 08 Jun 19 Jun 26 Funding Long - term conservative settings 1. Represents the Weighted Average Maturity (WAM) of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. 2. Includes other short-term liabilities. 3. Additional Tier 1 and Tier 2 Capital excluding IFRS MTM and derivative FX revaluations as a proportion of long-term wholesale funding. 4. Liquid assets include high quality liquid assets as defined by APRA in Australian Prudential Standard APS210 Liquidity. Refer to glossary for definition. 5. Six month average balance as at 30 June 2008, quarterly average balance as at 30 June 2019 and 30 June 2026. 6. Other liquid assets include holdings of Medallion RMBS as at June 2008 and Committed Liquidity Facility as at June 2019. Deposit funding $bn % of total funding 57% 71% 79% Funding composition % of total funding Liquid assets4 Average5, $bn WAM1 3.5yrs 5.1yrs 5.2yrs Deposits Long-term wholesale Short-term wholesale2 24% AT1/T23 12% AT1/T23 Liquids as a % of total assets 10% 14% 13% HQLA Other liquid assets6 191 137 50
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32 12.3% 106(76) (46) (8) Dec 25 Level 2 1H26 dividend (DRP neutralised) Cash NPAT RWA Other Jun 26 Level 2 Capital 1 Strong capital position maintained, supporting franchise growth and dividends 1. Due to rounding, numbers presented in this section may not sum precisely to the totals provided. 2. The 2026 interim dividend included the on-market purchase of $530 million of shares (CET1 impact of -10bpts) in respect of the Dividend Reinvestment Plan. 3. Excludes net equity accounted profits/losses and impairments from associates as they are capital neutral with offsetting changes in regulatory capital deductions. 4. Excludes impact of foreign exchange movements on Credit RWA, which is included in ‘Other’. 5. Includes the impact of intangibles, FX impact on Credit RWA, equity accounted profits/losses and impairments from associates, movements in reserves and other regulatory adjustments. 6. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. Movements in bpts 2 Credit Risk4 (38) IRRBB (16) Market Risk 8 Operational Risk - 3 10.25% APRA minimum6 Level 1 12.1% 12.0% 5 40 4212(10) Jun 25 APS 117 Underlying movement Jun 26 IRRBB RWA ($bn) Jun 26 vs Jun 25
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33 75% 76% 75% 63% 66% FY11 to FY15 FY16 to FY20 FY21 to FY26 Dividends Long - term sustainable returns 1. Cash NPAT inclusive of discontinued operations. 2. Based on Cash NPAT inclusive of discontinued operations. Payout ratios excluding the impact of notable items are used where they have previously been disclosed. • Final dividend of $2.70, a 10c increase on 2H25 dividend • DRP with no discount and expected to be fully neutralised • Full year payout ratio of 77% moderating towards the middle of the payout range, reflecting our aim to pay strong and sustainable, fully franked dividends • The Bank will continue to target a full year payout ratio of 70-80% Cash NPAT • Long-term focus, sustainable dividend per share growth • The current $1 billion on-market share buy-back, of which $300 million has been completed, will not be extended Sustainable returns Dividend per share (cents) Funding growth Capital returned Dividend payout ratio2 (%) Cash NPAT payout ratio Payout ratio net of DRP 465 485 505 79% 79% 77% 55% 75% 95% 115% 135% FY24 FY25 FY26 Cash NPAT1 payout ratio +20c +20c
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34 Long - term approach to support growth and returns Resilient balance sheet settings supporting franchise investment and delivering sustainable returns 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. Reinvest organic capital in accretive growthLong-term approach to key settings Disciplined capital management Supporting growth and investmentStrong long-term settings Delivering sustainable returns 7% 14% 79% Jun 26 5.2yrs FY26 $183bn Jun 26 $2.7bn $54bn $129bn STWF2 Deposits LTWF WAM1 Deposit hedge Equity hedge Funding composition % of total funding Hedges RP and equity Provisioning above central scenario3 $8bn $12bn $13bn $11bn $17bn $22bn FY21-24 Avg FY25 FY26 Business Retail Franchise growth *Slide 34 1. Represents the Weighted Average Maturity of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. 2. Includes short-term collateral deposits. 3. Represents the difference between total actual provisions held and the expected credit loss in the central scenario. 4. Represents volume growth, excludes movements relating to credit quality, FX, data and methodology, and derivatives and other. 5. Return on equity (ROE) on a cash (or cash equivalent) continuing operations basis over average ordinary equity. 6. On-market purchase of shares in respect of the DRP across FY18 to FY26, where neutralised. 7. Cash NPAT inclusive of discontinued operations. 12.9% 13.5% 14.0% FY21-24 Avg FY25 FY26 Strong returns Surplus returned Long-run payout Long-run average $19bn $29bn $35bn ~75% Credit RWA volume growth4 Return on equity5 FY18 to FY26 Cash NPAT7 payout ratio 8 ~$13bn Divestments Capital return Off-market On-market DRP neutralised6 Payout net of DRP ~65%
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35 • Australian economic growth is slowing as expected, driven by weaker household demand - Spending is easing after strength through 2025, but savings buffers remain high - Higher interest rates and renewed inflation pressures are dampening real income growth - Housing market activity and prices have turned down, reducing household wealth and consumer confidence • Inflation remains too high but should gradually moderate as the economy slows - Strong domestic demand in 2025, along with global supply shocks, drove inflation higher - The labour market is steadily softening, but only slowly, and the unemployment rate remains historically low - Productivity growth remains weak, constraining economic capacity • Australia has remained resilient despite global volatility - War and broader trade disruptions have had limited direct economic impact to date - Strong AI investment and public demand are supporting growth - Rising geopolitical risks heighten the need for economic and operational resilience Economic outlook Growth slowing but structural forces support growth longer term
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36 1.53% 93% 12.0% Provision coverage Funding profile CET1 Level 2 Market share2 Rank Household deposits #1 Home lending #1 Business deposits #1 Business lending #2 Shareholders Total shareholder return5 Summary Growth through consistent, disciplined execution focused on the long term 1. Refer to glossary at the back of this presentation for further details. 2. Source: APRA MADIS. 3. Total provisions divided by credit risk weighted assets. 4. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. 5. Source: Bloomberg Finance L.P., 1 January 2000 to 30 June 2026. Peer average is the average of major bank peers. • Supporting and helping to protect our customers • Reimagining customer experiences by investing in technology & AI • Providing strength and stability for the Australian economy • Delivering sustainable returns Net Promoter Score1 Rank Consumer #1 Business #2 Consumer digital #1 Business digital #1 Customers Balance sheet Jun 26 Deposits + long-term wholesale funding 10.25% APRA minimum4 CBA Peer average Jun 262000 2,303% 1,105% 3
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Overview & strategy
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38 34.2% 15.6% 13.3% 12.5% CBA Peer 3 Peer 1 Peer 2 14.0% 9.8% 10.6% 8.5% CBA Peer 3 Peer 1 Peer 2 17% 26.4% 20.6% 13.7% 11.2% CBA Peer 3 Peer 2 Peer 1 26.0% 19.4% 19.0% 18.9% CBA Peer 1 Peer 3 Peer 2 Why CBA? Leading franchise – strong balance sheet settings – supporting sustainable shareholder returns 1. Refer to glossary at the back of this presentation for further details. 2. Source: APRA MADIS. 3. Total provisions divided by credit risk weighted assets. Excludes provisions on debt securities fair valued through other comprehensive income for comparability. 4. Binding constraint is the lower of Level 1 and Level 2 CET1 capital ratio. 5. Return on equity (ROE) on a cash (or cash equivalent) and continuing operations basis over average ordinary equity. Peer ROEs are for the six months to March 2026 and CBA ROE is for the full year to June 2026. 6. Estimated ROE (cash) including the benefit from franking credits which is recognised as 70% of the Australian tax generated in FY25 for peer banks, and in FY26 for CBA. 7. Source: Bloomberg Finance L.P., 1 January 2000 to 30 June 2026. Peer average is the average of major bank peers. Retail MFI share1 Provisioning Total provision coverage to Credit RWA3 Peers as at March 2026 Home lending share2 CET1 capital Capital binding constraint4 Peers as at March 2026 Household deposits share2 Business MFI share1 ROE (cash) Est. ROE (cash incl. franking)6 11%12% 12% 42.6% 43.4% 18-24 years 25-34 years Nearest peer 12.6%13.6% 25.4% 20.7% 14.0% 13.2% CBA Peer 3 Peer 2 Peer 1 ROE (cash)5 Peers half year ended March 2026 Shareholder returns Total shareholder return7 12.4% 12.4% 12.0% 11.5% Peer 3 Peer 1 CBA Peer 2 (L2) (L2) (L2) (L1) 1.68% 1.53% 1.45% 1.32% Peer 2 CBA Peer 3 Peer 1 CBA Peer average Jun 262000 2,303% 1,105%
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39 0.8 1.3 1.4 Jun 19 Jun 25 Jun 26 *Slide 39 1. Refer to glossary at the back of this presentation for further details. 2. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 3. Source: APRA MADIS. 4. Excludes Bankwest and Residential Mortgage Group. 5. Source: APRA MADIS – Non-financial Business Deposits (including IB&M). 6. Represents Business Banking divisional business loan balances on a spot basis. Comparative information has been restated to conform to presentation in the current period. 7. CBA Business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). Represents growth for the period June 2026 vs June 2025. 89 159 180 Jun 19 Jun 25 Jun 26 435 594 636 Jun 19 Jun 25 Jun 26 19.4% 26.0% Nearest peer CBA Business MFI share1 vs Jun 25 m Franchise strength Building stronger, deeper customer relationships – strengthening long - term franchise 1, 2, 3, 4, 5, 6, 7. Refer to sources, glossary and notes at the back of this presentation for further details. 8.7 11.7 12.3 Jun 19 Jun 25 Jun 26 m vs Jun 25 15.6% 34.2% Nearest peer CBA Retail MFI share1 Business transaction accounts Home loans with a transaction account $bn vs Jun 25 $bn vs Jun 25 Home lending3 Business lending6 Retail transaction accounts2 +18.6% gap to nearest peer 26% household deposit market share3 65% CBA proprietary origination in FY264 Business loans with a transaction account +6.6% gap to nearest peer 22% business deposit market share5 1.3x system7 business lending growth +6%#1 +7% +7%#1 +13% >97% >90% Jun 26 Jun 26 Retail Business 1 in 3 Australians 1 in 4 Australian businesses
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40 34.2% CBA 15.6% 13.3% 12.5% Peer 3 Peer 1 Peer 2 Aged 18-24Aged 14-17 Aged 25-34 Aged 35-49 Aged 50-64 Aged 65+ Reimagining banking Strong customer engagement 1. Refer to glossary at the back of this presentation for further details. Customer lifecycle Jun 26 1 in 3 Australians #1 42.0% 42.6% 43.4% 36.3% 26.9% 25.0% Jun 25 Jun 26 CBA Retail MFI share1 Retail MFI share1
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41 Our people How we contribute to Australia 1 Supporting our customers, the community and the economy 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. For further sustainability reporting, refer to the 2026 Annual Report. Offshore investors5 Government4 How our income is distributed Customers & domestic debt investors2 Partners and suppliers Shareholders 26% leading retail bank share of market3 $22.7bn interest paid to Australian savers $5.2bn in Australian government payments Contributing as one of Australia’s largest corporate tax payers $11.3bn of interest paid to offshore investors Accessing offshore wholesale funding and investment to help support economic growth $6.8bn paid in salaries and superannuation to Australian employees $31.9m invested in upskilling our people $4.7bn paid to our suppliers6 Supporting domestic small and medium sized businesses $8.3bn in dividends paid to shareholders7 $3,650 average retail shareholder dividend paid in FY268 *Slide 41 1. Represents an approximated distribution of FY26 Group gross income (net of loan impairment) to our customers and stakeholders across Australia and New Zealand. 2. Includes interest paid on deposits in FY26. 3. Represents share of household deposits as at May 2026. Source: APRA MADIS. 4. Includes payment of corporate tax, employee related taxes, Major Bank Levy and net unrecoverable GST in FY26. 5. Includes interest paid on offshore deposits and wholesale funding. 6. CBA Australia registered suppliers as at June 2026. Excludes non-supplier third parties. 7. Represents 2H25 dividend and 1H26 dividend paid. 8. Retail shareholder calculation is based on the number of shareholders who hold 10,000 shares or less.
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42 Protect customers through leading risk management Security, resilience and reliability Disciplined cost and capital management Our strategy Building tomorrow’s bank today for our customers Building a brighter future for allOur purpose Deliver simpler, safer and better Our priorities Build Australia’s future economy Lead in technology and AI Help businesses drive growth Leadership for a strong financial system and economy Support for our customers and communities Deep and trusted customer relationships Digital experiences that customers love Distinctive service and product propositions Modernised technology and data Speed and quality of execution World-class capability in engineering and AI Reimagine customer experiences Linna – this will change in 1H27 for the new strategy (CommBank Way) which is effective from July 2026
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43 • Maintained strong balance sheet settings • Developed agentic AI agents to help detect emerging fraud and scam patterns across transaction data • Invested over $1 billion annually to help protect customers from fraud, scams, cyber threats & financial crime12 • Actively contributing to the Fintel Alliance – strengthening Australia’s financial crime response and capability Be safe, strong, and there when most needed Empower our customers and people with superior tech • First Australian bank to enable in- app account opening using ePassport scanning9 • Migration of Core Banking to Cloud – one of the largest and fastest migrations globally • >20% more tech changes deployed, significant reduction in critical incidents with restore time improving 60%10 • ~80% of our staff actively engaging with AI platforms (including ChatGPT Enterprise or Copilot)11 Help customers achieve their life goals Grow the economy and standards of living • 17% increase in home loan new fundings1 • Grew business lending 1.3x system2 & institutional sustainable lending +17%3 • Auto-decisioned lending to small businesses grew >2x over the past 3 years4 • Supported housing accessibility by funding >3,400 homes via social and affordable housing transactions5 • Strong MFI share in core segments6 • #1 digital and mobile app NPS in both consumer and business6 • Rolling out CommBank Companion – a secure, AI- powered, conversational experience helping customers manage their finances7 • Greater customer benefits delivered via CommBank Yello8 and expanded access to CommBank Yello for Business Building a brighter future for all By executing our strategy we deliver on our purpose 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12. Refer to sources, glossary and notes at the back of this presentation for further details. Our strategy How we deliver on our purpose Examples of what we have delivered Build Australia’s future economy Reimagine customer experiences Lead in technology and AI Deliver simpler, safer and better *Slide 43 1. CBA new fundings including Bankwest, internal refinancing and top-ups, Viridian Line of Credit and Residential Mortgage Group. Excludes ASB. FY26 vs FY25. 2. CBA Business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). Represents growth for the period June 2026 vs June 2025. 3. Average balance for FY26 vs FY25. Includes utilised secured and unsecured financing transactions that are aligned with external market principles such as the Loan Market Association / Loan Syndication and Trading Association / Asia Pacific Loan Market Association Green, Social and Sustainability-Linked Loan Principles. 4. FY26 vs FY23. 5. Institutional Banking & Markets housing transactions to Community Housing Providers in FY26. 6. Refer to glossary at the back of this presentation for further details. 7. Progressive rollout to select retail and small business customers in FY26. 8. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 9. Using secure Near Field Communication (NFC), currently available for eligible new customers who are physically located in Australia. 10.FY26 vs FY25 on a rounded basis. Critical incidents restore time based on the Mean Time to Restore (MTTR). 11.As at 30 June 2026. 12.Includes expenditure on operational processes and upgrading functionalities in FY26. Highly engaged team with strong culture – focus on attracting, developing and retaining talent >75% of our staff have access to AI platforms (including ChatGPT Enterprise or Copilot)11
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44 Our approach to risk culture Strengthening trust in banking Our risk culture supports our people’s decision making to deliver better outcomes Living Our Values Executing our strategy ► Our risk culture reflects the beliefs and behaviours by our people that determine how risks are managed ► We aspire to have a risk culture that adapts to a changing landscape, supports the right outcomes and helps us navigate unfamiliar circumstances ► We actively assess the maturity of our risk culture, including our annual risk culture assessment overseen by the Board ► Our remuneration framework supports risk culture by promoting accountability for managing risks and applying rewards and consequences for risk outcomes Our Risk Management Framework Enablers Our risk culture framework Leadership principles Obsess over customers Lead as an owner Be curious and humble Create exceptional teams Governance and reporting Policies and procedures Infrastructure and data Accountabilities and skills Delivering our purpose + +
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45 Recognise & reward customers, easier to access and delivering greater value >$240 million in benefits delivered3 CommBank YelloCommBank app Australia’s most popular banking app1 Simpler, better, easier to use Features open to more Australians >9.6 million active app users2 >2.7x uplift in gross booking value6 Travel Booking Explore & book via the app Exclusive benefits & offers on flights, hotels & car rentals worldwide >1 million customers engaging8 Car buying Find, finance & manage your car7 Exclusive discounts & benefits for electric vehicles Award winning4, easy way to start investing with as little as $2 36% increase in new investing accounts5 Everyday Investing Reimagining customer experiences Extending our market - leading digital ecosystem – building deeper, stronger customer relationships 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. *Slide 45 1. Based on most digitally active customer numbers where publicly available, app store performance, independent industry recognition, and highest Mobile App NPS score compared to major peer banks as at 30 June 2026. 2. Based on the total number of customers that have logged into the CommBank app at least once in the month of June 2026. 3. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 4. Awarded the Canstar Innovation Excellence award in April 2026. 5. FY26 vs FY25 growth of Aussie equities, Pocket and Everyday Investing accounts opened via the CommBank app. 6. FY26 vs FY25. 7. Via the CommBank app. 8. Unique number of customers visiting the platform as at 30 June 2026.
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46 Reimagining banking Building on a history of innovation to reimagine banking 1. Refer to glossary at the back of this presentation for further details. 2. Based on most digitally active customer numbers where publicly available, app store performance, independent industry recognition, and highest Mobile App NPS score compared to major peer banks as at 30 June 2026. 24/7 2020 & beyond2010–20191997–2009 Strong foundations Establishing leadership Reimagining banking Core banking Real-time banking and settlement NetBank Full functionality 24-hour online banking service CommSee Proprietary customer relationship system CommBank app #1 consumer mobile app (Net Promoter Score1) Customer Engagement Engine Learns from customer interactions to drive relevant personalised banking services CommSec Pocket Make investing affordable and accessible for more Australians Partnering with industry leaders Providing more value in banking and beyond CommBank app 5.0 Making Australia’s most popular banking app even better2 Core banking cloud migration Migration of SAP core banking to cloud – enabling faster product innovation and greater reliability CommBank Companion Bringing conversational AI to retail and business customers in the app – now in pilot Launch of x15ventures Building a pipeline of new digital businesses CommBank Yello Recognising & rewarding customers, easier to access and delivering greater value New x15 venture Paidit added – to be launched end of July (payment platform that combines payment, customer verification, communications and case management to streamline payout operations)
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47 Reimagining customer experiences Australia’s most popular banking app – building stronger, deeper customer engagement 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details. Bank of the Year Digital Banking 17 years in a row2 Most Innovative Major Consumer Bank 8 years in a row3 Best Digital Consumer Bank (Major) 8 years in a row3 Australia’s most popular banking app1 CommBank Yello & CommBank Yello for Business delivering more value CommBank Companion • New intelligent AI-powered experience • Retail and business customers ePassport verification • Australian banking first • Safer, simpler identity verification Integrated shopping experiences • Search, book and pay for travel • Car buying and selling, EV deals Voice search • More intuitive access to services • Find features & services faster Interactive and intelligent warnings • Anti-scam warnings for payments • Advanced scam protection QR Cardless • Cardless ATM transactions • More secure and convenient *Slide 47 1. Based on most digitally active customer numbers where publicly available, app store performance, independent industry recognition, and highest Mobile App NPS score compared to major peer banks as at 30 June 2026. 2. CBA awarded Canstar's 2026 Bank of the Year – Digital Banking Award (for the 17th year in a row). Awarded May 2026. CBA was also inducted into the inaugural Canstar ‘Hall of Fame’ for sustained success in the Digital Banking – Bank of the Year category for ten or more consecutive years. 3. CBA was awarded the ‘Most Innovative Major Consumer Bank’ and ‘Best Digital Consumer Bank (Major)’ for the 8th year in a row by RFI Global’s Banking & Finance Awards 2026. Presented February 2026. Award is based on information collected from the RFI Global Atlas program – feedback from over 80,000 business and/or retail customers from January 2025 to December 2025. 4. The total number of customers that have logged into the CommBank app at least once in the month of June 2026. 5. The total number of logins to the CommBank app in the month of June 2026 divided by the number of days in the month. 6. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 7. Average monthly unique customers who engaged with one of our money management features in the CommBank app from July 2025 to June 2026. Money management features include Benefit Finder, Bill Sense, Cash Flow View, Category Budgets, Goal Tracker, Money Plan, Smart Savings and Money Insights. 8. Since launch in September 2024 to 30 June 2026. >9.6 million active app users4 >14.3 million daily logins to the CommBank app5 3x increase in CommBank app engagement since 2014 >$240 million in benefits delivered to customers via CommBank Yello6 >3.4 million customers engaging with money management tools monthly7 >5.9 million intelligent warnings delivered for certain first-time payments8 5,901,819
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48 100,000 small business customers4 CommBank Companion AI-powered, straight-through lending via Companion for a seamless customer experience 1. Total committed exposure on the Stream platform as at 30 June 2026. 2. Number of loans to small businesses auto-decisioned FY26 vs FY23. 3. Simple annual reviews applicable to business customer lending of up to $5 million since introduction in October 2024. 4. Progressive rollout to select small business customers in FY26. The origination journey begins in Companion, and straight-through origination is currently available to eligible customers for the Better Business Loan and Business Overdraft products. 5. Expanded to frontline in July 2026. Leveraging AI for faster loan decisioning through BizExpress >2x increase in auto-decision loans2 Auto-decisioned lending Stream Working Capital Diversified working capital solution, market leading self-service experience >$400 million in funding provided1 Business Banking Superior, differentiated experiences for our customers Expanded pilot to >800 frontline staff5 Banker Workbench AI-powered insights to enable more personalised and timely customer conversations Automating annual risk assessments for a faster, easier customer and banker experience 85% reduction in time per annual review3 Simple annual reviews
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49 Leading in technology and AI Reimagining banking using our world - class data, AI and analytics capability 1, 2, 3, 4, 5, 6. Refer to sources, glossary and notes at the back of this presentation for further details. • Accelerated investment to enhance GenAI capability • New strategic partnership with OpenAI, expanded partnership with Anthropic to enhance AI adoption • Established Seattle Tech Hub to accelerate AI adoption • Expanded collaboration with AWS to deliver global best cloud and AI capabilities • Launched AI Risk Navigator guidance tool to help identify and manage risks early in the delivery lifecycle • #1 APAC bank, #4 globally in AI maturity4 • CommBank.ai established • H2O.ai investment and partnership • 100% improvement in CEE performance • 1,000 machine learning models in CEE1 • Established Gen.ai Studio to bring 100+ LLMs into a controlled environment • First GenAI use case deployed • #1 APAC bank, #6 globally in AI maturity2 • AI policy (including Responsible AI principles) • GenAI powered messaging service • Generative Responsible AI Toolkit and GenAI playbook launched • AI Factory launched with AWS • CommBank Centre for Foundational AI • #1 APAC bank, #5 globally in AI maturity3 • Customer Engagement Engine (CEE) launched • Centre of Excellence established • 300 machine learning models in CEE1 • AI and analytics platform built: 500 users • Piloted Australian government Ethical AI principles The evolution of AI at CBA *Slide 49 1. Data source: Customer Engagement Engine Reporting. 2. Evident AI Index 2023 published by Evident Insights Index, October 2023. 3. Evident AI Index 2024 published by Evident Insights Index, October 2024. 4. Evident AI Index 2025 published by Evident Insights Index, October 2025. 5. Progressive rollout to select retail and small business customers in FY26. 6. As at 30 June 2026. 2015–2020 2021–2023 2024 2025 2026+ • Rolling out CommBank Companion, a secure and intelligent AI-powered conversational experience helping customers manage finances confidently5 • Opened the San Francisco Tech Hub, accelerating skills and expertise for AI adoption • Launched Agentic Engineering Framework • Distinguished AI Scientists and Distinguished Engineers to deepen internal expertise and accelerate safe deployment of emerging AI technologies • ~80% of our staff actively engaging with AI platforms6
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50 CommBank app Reimagining customer experiences – home loans 1 Simpler, smarter and faster home buying and ownership experience 1. Information relates to new home loan applications unless noted otherwise. 2. Eligible customers able to discharge mortgage digitally via NetBank. 3. Proprietary home loan applications auto-decisioned using an automated credit rules engine in FY26. 4. ‘Days’ relates to business days. Application times relate to average time to first decision for applications not auto-decisioned for FY26 (simple and complex applications excluding home seeker). 5. Home loan digital document and signing utilisation by eligible customers in FY26. 6. Retail home loans settled digitally via PEXA and Sympli in FY26. 7. Number of unique customers using home loan features in the CommBank app from 1 July 2025 to 30 June 2026. 8. Share of property valuations assessed by CBA’s Automated Valuation Model during FY26. 3 out of 4 property valuations assessed automatically8 >1.3 million customers managing home loan via CommBank app7 ~70% applications auto-decisioned same day3 (proprietary) <3 days time to first decision4 (proprietary & broker) ~91% digital loan document usage5 (proprietary & broker) ~96% applications settled digitally6 (proprietary & broker) Simple & seamless applications – easier, more intuitive • Application – simple, intuitive digital applications with fast initial approval • Documentation – digital documents available in CommBank app once conditionally approved – for easy access • Status tracking – enhanced digital application tracking with interactive steps and personalised navigation • Channel choice – largest home lending network, digital option, broker-supported experience • Digital ID verification – identifying customers digitally using multiple forms of ID • Income verification – income data extraction and matching using GenAI • Insurance verification – insurance data extracted using AI • Auto credit decisioning – simplified process for speed to decision • Simple set-up – digital loan account set-up and onboarding • Digital settlements – real time settlement status • Self-service – enriched tools to view and make changes digitally alongside phone or in-branch support • Mortgage release – streamlined discharge process, digital discharge directly via NetBank2 Credit decisioning – faster & smarter Digital settlement & servicing – straight-through processing, self-serve 1,322,662
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51 Money Insights All money management tools now in one place in the CommBank app >3.4 million customers engaging monthly1 GenAI powered customer support AI-powered customer messaging in addition to voice support for efficient service Available 24/7 via messaging and voice service Supporting our customers Supporting customers through cost - of - living pressures and uncertainty • Delivered more than $240 million in benefits to customers via CommBank Yello2 • Supported victims of financial abuse via >19,000 interactions with CommBank Next Chapter3 • Invested a further $140 million in our customer service network to improve support4 • Easier than ever for customers to access hardship support via the app • Dedicated Cost of Living Hub for tips, tools and guidance • Providing enhanced digital pathways to identify and connect more customers in need earlier • Supporting home loan customers in hardship with tailored solutions • Flexible payment plans – repayment pauses, deferrals and interest only • Real-time alerts via app to help avoid late and account overdrawing fees • Dedicated specialist team for our most vulnerable customers 1. Average monthly unique customers who engaged with one of our money management features in the CommBank app from July 2025 to June 2026. Money management features include Benefit Finder, Bill Sense, Cash Flow View, Category Budgets, Goal Tracker, Money Plan, Smart Savings and Money Insights. 2. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 3. The total number of interactions with individuals, including non-CommBank customers, in vulnerable circumstances supported by CommBank Next Chapter in FY26. Excludes ASB. 4. Announced June 2026.
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52 Security notifications ~40,000 alerts sent daily identifying suspicious card activity1 • Invested over $1 billion to help protect customers against fraud, scams, cyber threats & financial crime2 • >5.9 million notifications via intelligent warnings for first-time payments enhancing anti-scam protection3 • Launched national AI, cybersecurity and digital capability initiative with OpenAI for 1 million small businesses • Leading AI-powered scam intelligence capability – sharing actionable intelligence at scale to help protect all Australians • Introduced Click to Pay to over 7 million customers for safer, more secure online payments4 • Real-time intelligence using AI bots to engage & help disrupt scammers – >350,000 conversations held via call or messaging5 • Developed AI-powered cyber defence agents – improving threat detection speed and response efficiency • Developed agentic AI capabilities to help detect emerging fraud and scam patterns across transaction data • Launched secure in-app customer onboarding using ePassport scanning for verification – an Australian banking first6 1. Average daily suspicious card activity alerts sent from 1 July 2025 to 30 June 2026. 2. Includes expenditure on operational processes and upgrading functionalities in FY26. 3. Since launch in September 2024 to 30 June 2026. 4. As at 30 June 2026 for CBA customers only. 5. Since August 2025 to June 2026. 6. Using secure Near Field Communication (NFC), currently available for eligible new customers who are physically located in Australia. Helping to keep our customers safe and secure Investing and innovating to help protect our customers 357,700 5,901,819
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Financial overview
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54 Overview – FY26 result 1 Key outcomes summary 1. Presented on a continuing operations basis, all movements on the prior comparative period unless otherwise stated. 2. Includes discontinued operations. 3. The Group uses PACC as a key measure of risk- adjusted profitability. It takes into account the profit achieved, the risk to capital that was taken to achieve it, and other adjustments. 4. Loan impairment expense as a percentage of average gross loans and acceptances (GLAA) annualised. 5. International capital, refer to glossary for definition. 6. Represents the Weighted Average Maturity (WAM) of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. WAM includes RBNZ term lending facilities drawdowns where applicable, which were fully repaid by 30 June 2026. 7. Quarterly average. 8. S&P, Moody’s and Fitch. S&P affirmed CBA’s ratings (unchanged and stable outlook) on 27 May 2026. Moody’s last published CBA’s ratings (unchanged and stable outlook) on 22 June 2026. Fitch upgraded CBA’s ratings to AA stable (from AA- positive) on 5 March 2026. Statutory NPAT ($m) 10,911 +7.7% Cash NPAT ($m) 10,982 +7.1% ROE (cash) 14.0% +50bpts EPS cents (cash) 657 +44c DPS2 ($) 5.05 +20c Cost to income 45.5% (20bpts) NIM 2.05% (3bpts) Operating income ($m) 30,224 +6.2% Operating expenses ($m) 13,755 +5.8% Profit after capital charge (PACC)3 ($m) 6,464 +10.7% LIE to GLAA4 (bpts) 8 +1bpt Capital – CET12,5 (Int’l) 18.3% (40bpts) Capital – CET12 (APRA) 12.0% (30bpts) Total assets ($bn) 1,452 +7.3% Total liabilities ($bn) 1,374 +7.7% Deposit funding 79% +1% LT wholesale funding WAM6 5.2yrs +0.1yrs Liquidity coverage ratio7 132% +2% Leverage ratio (APRA)2 4.6% (0.1%) Net stable funding ratio 115% Flat Credit ratings8 AA-/Aa2/AA Refer footnote 8 Financial Balance sheet, capital & funding
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55 10,252 10,982 FY25 FY26 Overview – FY26 result Key financial outcomes NIM1 Cost to income1 Cash ROE1Cash NPAT1 ($m) Cash EPS1 (cents) DPS (cents) CET1 (APRA)2 CET1 (International)3 485 505 FY25 FY26 613 657 FY25 FY26 12.3% 12.0% FY25 FY26 18.7% 18.3% FY25 FY26 13.5% 14.0% FY25 FY26 45.7% 45.5% FY25 FY26 2.08% 2.05% FY25 FY26 +44c +20c (30bpts) (40bpts) +7% (3bpts) (20bpts) +50bpts 1. Presented on a continuing operations basis. 2. All figures shown on a Level 2 basis. 3. International capital, refer to glossary for definition.
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56 5,330 5,587 FY25 FY26 Cash NPAT By division 1 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 2. New Zealand result incorporates ASB, and CBA cost allocations including capital charges and funding costs. The CBA Branch results relating to the IB&M business in New Zealand are not included. 3. New Zealand operating expense growth impacted by the settlement of legal proceedings. RBS BB IB&M NZ (NZD)2 vs FY25 • Income +10% • Expenses +9% • Impairment expense ($45m) vs FY25 • Income +4% • Expenses +4% • Impairment expense ($16m) vs FY25 • Income +6% • Expenses3 +16% • Impairment expense +$18m Cost to income $m $m 32.3% 32.2% 43.4% 47.1% $m 39.3% 39.3% $m 41.0% 40.6% vs FY25 • Income +6% • Expenses +6% • Impairment expense +$106m (2%)+11%+5% +2% 4,092 4,544 FY25 FY26 1,238 1,258 FY25 FY26 1,297 1,276 FY25 FY26
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57 Group deposits $bn +3.1% +8.0% 936.6 981.1 1,011.6 Jun 25 Dec 25 Jun 26 Group lending $bn +3.7% +7.1% 1,013.3 1,046.4 1,084.9 Jun 25 Dec 25 Jun 26 Balance sheet 1 Disciplined volume growth 1. Due to rounding, numbers presented in this section may not sum precisely to the totals provided. 2. Business loans growth of +9.6% (vs June 2025) driven by Business Banking growth of +13.0%, partly offset by NZ business and rural lending growth of -6.2% (excluding FX, NZ business and rural lending growth of +6.0%). 3. Term funding from central banks balance as at 31 December 2025: $16 million; 30 June 2026: nil. $bn Jun 25 Dec 25 Jun 26 Jun 26 vs Dec 25 Jun 26 vs Jun 25 Home loans 707.9 730.2 749.2 2.6% 5.8% Consumer finance 17.1 17.2 17.4 1.1% 1.9% Business loans2 194.5 201.6 213.4 5.8% 9.6% Institutional loans 93.8 97.4 104.9 7.8% 12.0% Total Group lending 1,013.3 1,046.4 1,084.9 3.7% 7.1% Non-lending interest earning assets 283.1 305.5 305.8 0.1% 8.0% Other assets (incl. held for sale) 57.4 56.8 61.8 8.8% 7.7% Total assets 1,353.8 1,408.7 1,452.5 3.1% 7.3% Total interest bearing deposits 822.1 861.4 889.8 3.3% 8.2% Non-interest bearing trans. deposits 114.5 119.6 121.8 1.8% 6.4% Total Group deposits 936.6 981.1 1,011.6 3.1% 8.0% Debt issues 170.5 169.5 170.9 0.8% 0.2% Term funding from central banks3 1.1 - - (Lge) (Lge) Other interest bearing liabilities (incl. loan capital) 119.0 139.7 142.7 2.2% 19.9% Other liabilities (incl. held for sale) 47.7 41.2 48.6 17.8% 1.8% Total liabilities 1,275.0 1,331.5 1,373.8 3.2% 7.7%
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58 424 435 437 442 448 449 456456 457 459 463 462 458 Jun 25 Jul 25 Aug 25 Sep 25 Oct 25 Nov 25 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26 185 187 182 185 190 192 196 196 196 196 197 196 207 Jun 25 Jul 25 Aug 25 Sep 25 Oct 25 Nov 25 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26 178 178 179 181 184 186 188 189 191 194 196 198 202 64 66 65 66 67 67 68 69 69 70 71 72 73 242 244 245 247 251 253 256 259 261 264 267 270 275 Jun 25 Jul 25 Aug 25 Sep 25 Oct 25 Nov 25 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26 7.4% 7.4% 6.2% 13.3%13.8% 12.0% 5.6% 4.7% 11.5% 9.5% 6 months Jun 26 12 months Jun 26 0.4% 1.2% 7.9% 7.9% 3.1% 3.3% 7.0% 6.9% 6 months Jun 26 12 months Jun 26 Volume growth 1 Disciplined approach to growth 1. Source: APRA MADIS. 2. Percentage growth calculations are based on actual numbers on a non-annualised basis. 3. Represents total business lending to non-financial businesses, financial institutions, general government and community service organisations under APRA definitions. 4. Source: APRA MADIS – Non-financial Business Deposits (including IB&M). 5. Totals calculated using unrounded numbers. CBA System CBA (excl. IB&M) CBA (incl. IB&M) System (incl. Institutional lending) CBA System CBA System Home lending2 Business lending2,3 Household deposits2 Business deposits2,4 6 months Jun 26 12 months Jun 26 Balances by month $bn Balances by month5 $bn Balances by month $bn Balances by month $bn 6 months Jun 26 12 months Jun 26 CBA (excl. IB&M) IB&M 594 596 599 603 607 611 616 619 621 624 628 630 636 Jun 25 Jul 25 Aug 25 Sep 25 Oct 25 Nov 25 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26
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59 10% 20% 30% 10% 15% 20% 25% 0% 10% 20% 30% 40% 0% 10% 20% 30% 40% 26% 21% 14% 11% 6% Market share Disciplined approach – strong market share 1, 2, 3, 4, 5, 6, 7, 8, 9. Refer to sources, glossary and notes at the back of this presentation for further details. % Jun 25 Dec 25 Jun 26 Home loans – RBA1 24.6 24.6 24.4 Home loans – APRA2 25.3 25.4 25.4 Credit cards – APRA2 28.2 28.1 29.3 Other household lending – APRA2,3 23.7 23.9 23.4 Household deposits – APRA2 26.4 26.6 26.4 Business lending – RBA4 17.5 17.6 18.0 Business lending (NFB) – APRA2,5 18.9 19.1 19.4 Business lending (Total) – APRA2,6 18.0 18.1 18.3 Business deposits (NFB) – APRA2,5 21.9 22.1 22.3 Equities trading7 3.3 3.5 3.6 NZ home loans8 21.2 21.4 21.3 NZ customer deposits8 18.8 18.8 18.9 NZ business and rural lending8 17.4 17.3 17.8 Business deposits2,5,9Business lending2,6,9 Household deposits2,9Home lending2,9 Jul 19 Jun 26 Jul 19 Jun 26 PeersCBA 22% 21% 18% 16% PeersCBAPeersCBA *Slide 59 1. CBA source: RBA Lending and Credit Aggregates. Home lending peer source: Peer APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS) balance divided by RBA Lending and Credit Aggregates system balance. 2. System source: APRA MADIS. 3. Other household lending market share includes personal loans, margin loans and other forms of lending to individuals. 4. Source: RBA Lending and Credit Aggregated. Business including select financial businesses, not seasonally adjusted. Comparative information has been restated to conform to the presentation in the current year 5. Represents business lending to and business deposits by non-financial businesses (NFB) under APRA definitions. 6. Represents total business lending to non-financial businesses, financial institutions, general government and community service organisations under APRA definitions. 7. Represents CommSec traded value as a percentage of total Australian equities markets, on a 12 month rolling average basis. 8. System source: Based upon RBNZ lending by purpose and deposits by sector data. Business and rural lending represents aggregated business and agriculture loans per RBNZ classifications. 9. Series break from June 2021 relating to restatements. 25% 21% 14% 13% 7% Jul 19 Jun 26 Jul 19 Jun 26 21% 18% 17% 12% PeersCBA Break in series from Jun 21 Break in series from Jun 21 26% 21% 14% 11% 6% Household deposits3,9Home lending3,9 PeersCBAPeersCBA 25% 21% 14% 13% 7% Jun 19 May 26 Jun 19 May 26 Break in series from Jul 19 Break in series from Jun 21 Break in series from Jul 19 Break in series from Jun 21 Previous footnote 1. Series break due to new regulatory definitions set by APRA from 1 July 2019. As a result of this change, market share is not comparable to previous reporting periods. Additional series break from June 2021 relating to restatements. Break in series from Jun 21 Break in series from Jun 21
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60 Group margin – 12 months Lower margin largely due to growth in liquids and repos – competition offset by hedge earnings 1. +$15bn increase in average liquid assets and +$11bn increase in average institutional repos in FY26 vs FY25. 208 205- 2 5(4) (5) (1) FY25 Liquids & repos Asset pricing Funding costs Portfolio mix Interest rate risk hedging Treasury & Markets FY26 bpts Minimal impact on earnings Increase in liquid assets (3) Increase in institutional repos (1) Replicating portfolio 4 Higher earnings on capital 1 Favourable asset mix and deposits growing faster than lendingHome loan competition (3) Impact of cash rate lag (1) Business & Insto. lending (1) 1
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61 Replicating portfolio (RP) & equity hedge1 Group margin Hedge earnings higher – with swap rates increasing in FY26 1. Represents domestic AUD equity and deposit hedges. 2. Tractor is the moving average hedge rate on equity and rate insensitive deposits. Exit tractor rate represents average rate for June 2026. 3. Represents the 6 month moving average of the equity and deposit tractor rates. 4. Based on average exposure to basis risk in June 2026. Liquidity & basis risk FY26 Avg balance FY26 Avg tractor2 Exit tractor2 rate Investment term Domestic equity hedge $54bn 3.82% 3.91% 3 years Deposit hedge $129bn 3.30% 3.58% 5 years • In FY26, hedge earnings benefitted from higher average rates • Returns from the replicating portfolio and equity hedge are sensitive to 3 year and 5 year swap rates which increased in FY26 Liquidity • Every additional $10bn of liquid assets is expected to reduce Group NIM by ~2bpts Basis risk • Jun 26 average BBSW/OIS spread = 6bpts • As at Jun 264, every 7bpts = ~1bpt of Group NIM, this ratio will reduce as exposure to basis risk increases relative to average interest earning assets Jun 08 Jun 26 RP hedge rate3 Equity hedge rate3 3M BBSW RBA official cash rate Jun 08 Jun 26 3 months BBSW/OIS spread Long-term basis risk avg: 20bpts -0.2% 0.2% 0.6% 1.0% 0.00% 4.00% 8.00% 1-Jun-08 1-Aug-08 1-Oct-08 1-Dec-08 1-Feb-09 1-Apr-09 1-Jun-09 1-Aug-09 1-Oct-09 1-Dec-09 1-Feb-10 1-Apr-10 1-Jun-10 1-Aug-10 1-Oct-10 1-Dec-10 1-Feb-11 1-Apr-11 1-Jun-11 1-Aug-11 1-Oct-11 1-Dec-11 1-Feb-12 1-Apr-12 1-Jun-12 1-Aug-12 1-Oct-12 1-Dec-12 1-Feb-13 1-Apr-13 1-Jun-13 1-Aug-13 1-Oct-13 1-Dec-13 1-Feb-14 1-Apr-14 1-Jun-14 1-Aug-14 1-Oct-14 1-Dec-14 1-Feb-15 1-Apr-15 1-Jun-15 1-Aug-15 1-Oct-15 1-Dec-15 1-Feb-16 1-Apr-16 1-Jun-16 1-Aug-16 1-Oct-16 1-Dec-16 1-Feb-17 1-Apr-17 1-Jun-17 1-Aug-17 1-Oct-17 1-Dec-17 1-Feb-18 1-Apr-18 1-Jun-18 1-Aug-18 1-Oct-18 1-Dec-18 1-Feb-19 1-Apr-19 1-Jun-19 1-Aug-19 1-Oct-19 1-Dec-19 1-Feb-20 1-Apr-20 1-Jun-20 1-Aug-20 1-Oct-20 1-Dec-20 1-Feb-21 1-Apr-21 1-Jun-21 1-Aug-21 1-Oct-21 1-Dec-21 1-Feb-22 1-Apr-22 1-Jun-22 1-Aug-22 1-Oct-22 1-Dec-22 1-Feb-23 1-Apr-23 1-Jun-23 1-Aug-23 1-Oct-23 1-Dec-23 1-Feb-24 1-Apr-24 1-Jun-24 1-Aug-24 1-Oct-24 1-Dec-24 1-Feb-25 1-Apr-25 1-Jun-25 1-Aug-25 1-Oct-25 1-Dec-25 1-Feb-26 1-Apr-26 1-Jun-26
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62 27% 29% 31% 32% 62% 55% 53% 52%11% 16% 16% 16% 197 321 339 372 Dec 19 Jun 24 Jun 25 Jun 26 Dec 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Dec 25 Jun 26 54 48 43 62 89 92 104 112 119 121 157 176 189 185 178 179 180 193 22 28 48 62 53 51 56 56 60 36% 25% 23% 22% 39% 47% 48% 49%15% 17% 18% 19% 10% 11% 11% 10%330 433 466 504 Dec 19 Jun 24 Jun 25 Jun 26 Term deposits At-call interest bearing4 Offsets4 Non-interest bearing (NIB) Dec 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Dec 25 Jun 26 118 102 86 82 102 107 109 107 113 129 139 158 177 188 201 223 243 245 34 40 54 68 56 50 49 54 52 49 50 57 65 69 75 85 97 94 NIB At-call Term deposits Deposit switching Increasing at - call deposit mix 1. CBA Group, excludes ASB. Reflects retail and business deposits distributed to Retail Banking Services, Business Banking and Institutional Banking & Markets customers. 2. Excludes other demand deposits. 3. Includes Institutional Banking & Markets. 4. At-call interest bearing deposits excluding offsets. Offsets are included in at-call interest bearing deposits on the balance sheet. Business deposits1,2,3 $bn NIB Offsets At-call Term deposits Retail deposits1,2 $bn
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63 Margins by division 1 Margins impacted by continuing competitive pressure 1. Commentary reflects movement to the sequential half. 2. Institutional Banking & Markets NIM including Markets – 2H25: 92bpts, 1H26: 84bpts, 2H26: 89bpts. 3. NIM is ASB Bank only and calculated in NZD. BB Higher deposit margins and earnings on the replicating portfolio, partly offset by unfavourable deposit mix and lower lending margins IB&M (ex Markets)2 Lower institutional lending and securitisation margins mainly driven by increased competition NZ (ASB)3 Lower lending and deposit margins due to competition and the impact of lower average interest rates, and lower treasury and other earnings, partly offset by higher replicating portfolio earnings 251 250 249 2H25 1H26 2H26 bpts 205 197 188 2H25 1H26 2H26 bpts 224 235 225 2H25 1H26 2H26 bpts 331 336 341 2H25 1H26 2H26 bpts RBS Lower home lending margins reflecting the impact of cash rate lag, unfavourable mix and competition, partly offset by earnings on the replicating portfolio and higher deposit margins IB&M (ex Markets)2 Lower institutional lending margins mainly driven by increased competition, lower earnings on equity and unfavourable asset mix from lending growth PA IDP RBS Lower home lending margins primarily reflecting elevated competition; and •Lower deposit margins mainly due to competition and mix shift to higher yielding savings deposits; partly offset by •Higher earnings on the replicating portfolio; and •Favourable portfolio mix primarily due to the benefit of strong growth in average deposits relative to assets. Lower lending margins reflecting competition and cash rate increasing faster than customer rates, and mix shift to higher yielding savings deposits, partly offset by earnings on the replicating portfolio, higher average deposit margins in the half and favourable portfolio mix Higher earnings from the replicating portfolio and equity hedge; and •Favourable portfolio asset mix; partly offset by •Lower business and home lending margins principally due to increased competition and higher funding costs. Higher earnings on the replicating portfolio and favourable portfolio mix, partly offset by increased lending competition and lower deposit margins increased competition Higher earnings on ; and • Higher earnings on the replicating portfolio and equity hedge; and • Higher Treasury and other earnings; partly offset by • Lower deposit margins due to competition and the impact of lower average interest rates, and lower business lending margins, partly offset by higher home lending and consumer lending margins. and deposit , higher
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64 • Lower foreign exchange income, partly offset by • Higher sales volumes in Fixed Income • Lower XVA • Higher Treasury income from liquid asset sales FY26 vs FY25 Other operating income 1 Higher insurance and CommSec equities income, and non - recurring items 1. Presented on a continuing operations basis. 2. Includes funds management income. 3. Includes a milestone payment recognised in relation to the sale of CommInsure General Insurance. Other operating income 777 744 411 441 11 5 1,199 1,190 FY25 FY26 • Lower foreign exchange income, partly offset by • Higher Treasury income from liquid asset sales • Higher insurance income3 • Higher equities income from growth in trading volumes, partly offset by • Lower foreign exchange income • Higher volume driven retail, business and institutional lending fees • Impacts from minority investments • Fair value gain on investment in Gemini following its Initial Public Offering, partly offset by • Lower Structured Asset Finance revenue following the sale of the aircraft leasing portfolio Sales $m Trading Derivative valuation adjustment FY26 vs FY25 $m Trading income 2,099 2,234 912 924 1,199 1,190 232 290 4,442 4,638 FY25 FY26 Commissions Lending fees Trading Other2
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65 196 (14) 15,021 15,203 1H26 Net interest income Other operating income 2H26 Sequential half operating income 1 Higher income achieved through disciplined franchise growth 1. Presented on a continuing operations basis. 2. Includes New Zealand and other business loans. 3. Includes a milestone payment recognised in relation to the sale of CommInsure General Insurance and a fair value gain on investment in Gemini following its Initial Public Offering. 3% 5% 2% 3% Home loans Business loans Insto. loans Deposits Avg. Volume Growth • Margin excl. Treasury & Markets • Average lending volume growth • Average deposit volume growth • 3 fewer days +1bpt +3.0% +3.4% ($207m) • Lower Markets trading income • Lower retail foreign exchange income; and • Non-recurrence of one-off gains in the prior half3; partly offset by • Impacts from minority investments; and • Higher CommSec equities income $m +1.2% 2
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66 156 47 (58) 6,720 6,865 1H26 Investment in technology & AI Other Productivity 2H26 • Investment in infrastructure, resilience & AI capabilities • Higher cloud consumption and software licensing • Increased capitalised software amortisation +2.2% Sequential half operating expenses 1 Investment in technology and AI driving higher sequential expense growth 1. Presented on a continuing operations basis excluding restructuring and notable items. For 1H26 this related to provisions for the settlement of legal proceedings in NZ, an additional goodwill payment made to certain customers as a result of ASIC’s Better Banking review, and domestic customer remediation. Headline operating expenses -0.4% including these items. Underlying cost to income 45.2%44.7% $m Contribution to mvt: Cumulative cost savings realised (last 8 yrs): • 2H26: $1,265m • 1H26: $1,207m +2.4% (0.9%)+0.7%
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67 Cost approach Continued investment in infrastructure, modernisation and AI – mix shift towards productivity and growth 1. Cumulative cost savings since FY19. Investment spend Cumulative savings1 Examples $m $m • AI-powered messaging solutions streamlining customer interactions • Digitisation of customer identification and verification • Enhanced self-service capability for digital customer transaction disputes • Digitisation of loan and deposit origination • Reduced reliance on external vendors through insourcing, while building world-class capability Productivity & growth Risk & compliance Infrastructure & branches $m Expensed Capitalised Continued investment in modernisation of technology infrastructure and enhancing our AI capability 1,657 2,068 2,472 FY24 FY25 FY26 Cost reduction 1.9 1.8 1.7 1.3 1.4 1.4 1.9 2.1 2.6 3.0 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Capitalised software ($bn) 1,087 1,164 1,210 1,264 2,297 2,428 FY25 FY26 44% 47% 30% 29% 26% 24% 2,297 2,428 FY25 FY26
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68 Investment spend Continued investment in technology to refresh infrastructure and enhance AI capability 1. FY26 vs FY25 on a rounded basis. Restore time based on the Mean Time to Restore for incidents with material business and/or customer impacts. 2. Launched August 2025. 3. As at 30 June 2026. 4. Evident AI Index 2025 published by Evident Insights Index, October 2025. Investment spend Delivered in FY26 Gross spend $bn 1.8 1.9 2.0 2.0 2.3 2.4 FY21 FY22 FY23 FY24 FY25 FY26 Focus of increased investment Refresh of technology infrastructure: • Enhance customer experiences • Faster delivery of change • Enhance security and resilience Enhance our GenAI capability: • Scaling AI tooling and training for employees • AI-ready infrastructure transformation • Progress in critical use cases & LLMs • Measured gross benefits from AI use cases, including reinvested capacity, were ~$200 million in FY26, of which ~$100 million was incremental in-year • Gross benefits from AI use cases are expected to double in FY27, and to exceed investment • Rolling out CommBank Companion • >20% more technology changes deployed, significant reduction in critical incidents with restore time improving 60%1 • Launched CommBiz 2.0 Mobile app – delivering an improved user experience and AI-backed security2 • ~80% of our staff actively engaging with AI platforms (including ChatGPT Enterprise or Copilot)3 • Migration of Core Banking to Cloud – one of the largest and fastest migrations globally • Ranked #1 APAC bank and #4 globally in AI maturity by Evident AI Index4 Collections option for ‘Delivered in FY26’ 85% of customer interactions via unassisted messaging channels resolved by AI3 Footnotes for options 3. Customer interactions via CBA’s AI-powered messaging chatbot ‘Ceba’ as at December 2025. FY27 Expectation 2.4
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69 26 17 19 17 18 18 18 18 18 17 26 4 (7) 11 6 5 6 76 43 24 23 13 11 20 8 10 14 50 16 4 15 16 14 12 41 25 21 20 16 16 19 15 15 16 33 7 (4) 12 9 7 8 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Loan losses Loan impairment expense remains below historical levels 1. Loan impairment expense as a percentage of average gross loans and acceptances annualised. 2. Comparative information has been restated to conform to presentation in the current period. CorporateConsumer 7 4 4 206 9 1H26 2H26 5 14 5 5 7 7 11 3 6 8 RBS BB IB&M ASB Group FY26FY25 Loan loss rate by business unit1,2 bpts Loan loss rate1 bpts
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70 1.35 1.34 1.28 1.22 1.68 1.53 1.45 1.32 Peer 2 Mar 26 CBA Jun 26 Peer 3 Mar 26 Peer 1 Mar 26 Provisions 1 Strong provision coverage maintained 1. AASB 9 classifies loans into stages; Stage 1 – Performing, Stage 2 – Performing but significantly increased credit risk, Stage 3 – Non-performing. Performing relates to Stage 1 and Stage 2. Non-performing relates to Stage 3. Stage 2 is defined based on a significant deterioration in internal credit risk ratings, as well as other indicators such as arrears. Assessment of Stage 2 includes the impact of forward-looking adjustments for emerging risk. 2. Excludes provisions on debt securities fair valued through other comprehensive income for comparability. 3. Segmentation of loans in retail and risk rated portfolios is based on the mapping of a counterparty’s internally assessed PD to S&P Global ratings (refer to Pillar 3), reflecting a counterparty’s ability to meet their credit obligations. 4. The assessment of significant increase in credit risk includes the impact of forward-looking multiple economic scenarios in addition to adjustments for emerging risks at an industry, geographic location or particular portfolio segment level, which are calculated by stressing an exposure’s internal credit rating grade at the reporting date. This accounts for approximately 58% of Stage 2 exposures as at 30 June 2026 (31 December 2025: 57%, 30 June 2025: 58%). Collective provision coverage Total provision coverage Provisions by stageProvision coverage2/CRWA % Stage 2 exposures by credit grade3 Weak Pass Investment 30 29 157 152 9 9 $196bn $190bn Jun 25 Jun 26 Credit exposures Credit provisions $m Jun 25 Jun 26 Jun 25 Jun 26 Stage 1 1,023,199 1,112,083 1,824 1,883 Stage 24 196,058 190,455 3,036 3,104 Stage 3 9,148 9,506 701 698 Stage 3 1,854 1,607 816 791 Total 1,230,259 1,313,651 6,377 6,476 Individually assessed Collectively assessed
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71 Provisioning through the cycle Forward - looking approach – customer, macroeconomic and sectoral considerations 1. If economic conditions are expected to recover following a recession, then the MES overlay would reduce as economic variables improve and/or the probability weighting towards more benign scenarios increases. This may not be the case where further deterioration in economic conditions is expected (e.g. a double-dip recession). 2. Individually assessed provisions (IAPs) are raised for non-performing exposures. 3. This refers to expectations before and after an economic slowdown. How total provisions change during a contraction is uncertain: if FLAs and MES under-predict actual losses, then total provisions will increase. If they over-predict losses (as was the case during the early stages of the COVID-19 pandemic) then total provisions will decrease. • AASB 9 requires a forward-looking approach to loan loss provisioning to dampen pro-cyclical provisioning behaviour through forward-looking adjustments (FLAs) and multiple economic scenarios (MES) in determining collective provisions (CP). • Total provisions will likely be lower following an economic contraction (despite higher base provisions) as we adopt a forward-looking view of an economic expansion. • Amid geopolitical and macroeconomic uncertainty, the weighting to the Downside scenario has been increased during the year with a commensurate decrease in the Central scenario. • Sectoral considerations (last 6 months): – Consumer: non-material change in provision coverage reflecting the positive impact from more targeted adjustments for higher-risk customers and pockets of risk, partly offset by an increase in modelled provisions to reflect increased geopolitical and macroeconomic uncertainties, as well as ongoing cost-of-living pressures. – Construction: non-material change in provision coverage. Sector conditions continue to improve, supported by strong activity and demand across infrastructure, renewables, data centres and residential developments. However, elevated input costs remain an ongoing headwind, with higher interest rates and softening house prices likely to add further pressure. – Retail Trade: increase in provision coverage reflecting expansion of FLAs and softer consumer sentiment from higher interest rates and cost-of-living pressures. – Wholesale Trade: increase in provision coverage reflecting sector challenges from geopolitical tensions, supply chain uncertainty and higher input costs impacting margins. – Entertainment, Leisure and Tourism: reduction in provision coverage from reduced FLAs given stable outlook supported by tourism demand, and resilient consumer spending despite softer sentiment. Risks remain from high operating costs and ongoing cost-of-living pressures. – Commercial Property: non-material change in provision coverage. Sector conditions continued to improve with increasing trading activity, and improved vacancy rates in retail and industrial sectors. Higher interest rates are likely to create headwinds for the sector. – Agriculture: increase in provision coverage from higher FLAs reflecting elevated fuel and fertiliser costs and climate- related risks. – Healthcare: reduction in provision coverage as sector outlook improved and private hospital operators show signs of stabilising performance. Ongoing cost-of-living pressures continue to impact more discretionary and non-Medicare claimable services. – Manufacturing: increase in provision coverage as sector continues to face supply chain disruptions from geopolitical tensions while global tariffs, and elevated labour, energy and insurance costs continue to pressure margins. Lower CP – Base Higher Higher CP – FLAs Lower Higher CP – MES Likely lower1 Lower IAPs2 Higher Higher Total provisions3 Likely lower Economic cycle GDP Late expansion Early expansion Contraction Forward looking components
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72 1. Comparative information has been restated to conform to presentation in the current period. Group Cash NPAT includes net loss after tax from the Group Corporate Centre not shown in the business unit contribution. 2. Net interest income (NII) and Other operating income (OOI). 3. ASB Bank only and calculated in Australian dollars. RBS BB IB&M ASB (NZD) Income NII – Lending and deposit volume growth, higher earnings on replicating portfolio, and favourable portfolio mix, partly offset by lower lending and deposit margins. OOI – Recognition of a milestone payment in relation to the sale of CommInsure General Insurance, and higher volume driven equities and lending fee income. Expenses Investment in proprietary lending and technology, inflation, financial crime costs and amortisation, partly offset by productivity. LIE Increased geopolitical risks and macroeconomic uncertainty and cost-of-living pressures. Income NII – Lending and deposit volume growth, and higher earnings on replicating portfolio and equity hedge, partly offset by lower lending margins. OOI – Lower merchants, deposits and cards income, partly offset by higher equities trading volume and higher business lending fee income. Expenses Higher technology spend, inflation and investment in product offerings, partly offset by productivity. LIE Lower individually assessed provision charges, partly offset by higher collective provisions reflecting portfolio growth, increased geopolitical risk and macroeconomic uncertainty. Income NII – Lending and deposit volume growth, higher Treasury income and earnings on the replicating portfolio and equity hedge, and higher lending margins, partly offset by lower deposit margins. OOI – Lower lending fee income including customer reimbursements, partly offset by higher funds management income. Expenses Higher FTE, wage inflation, settlement of class action costs, higher investment spend and technology costs, partly offset by productivity. LIE Higher collective provisions, partly offset by lower individually assessed provisions and consumer finance write-offs. +6% +6% +39% +5%vs FY25 +10% +9% (13%) +11% +4% +4% (33%) +2% +6% +16% +30% (2%) $m$m $m $m 2 2 2 2 39.3% 39.3% FY25 FY26 Cost to income 42.5% 46.4% FY25 FY26 41.0% 40.6% FY25 FY26 32.3% 32.2% FY25 FY26 Cost to income Cost to income Cost to income 51% of Group NPAT 41% of Group NPAT 11% of Group NPAT 10% of Group NPAT3 Financial performance 1 FY26 financial performance by division 10,052 3,241 310 4,544 Income Expenses LIE NPAT 3,548 1,645 78 1,318 Income Expenses LIE NPAT 2,969 1,206 33 1,258 Income Expenses LIE NPAT 13,783 5,417 378 5,587 Income Expenses LIE NPAT Income NII – Lending and deposit volume growth, and higher earnings on equity, partly offset by lower lending and deposit margins. OOI – Higher trading, commission and lending fee income, partly offset by lower operating rental income following the sale of the aircraft lease portfolio. Expenses Inflation, and higher technology and investment spend, partly offset by productivity. LIE Release of provisions for single name exposures, partly offset by higher collective provisions reflecting increased geopolitical risk and macroeconomic uncertainty.
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Home & consumer lending
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74 Break in series from Jun 21 $bn 634 680 200 (23) (34) (97)23 Jun 25 New fundings Internal refinance Repayments Property sales / external refinance / other Jun 26 177 Internal refinance 1. Source: APRA MADIS. Series break from June 2021 relating to restatements. 2. Includes internal refinancing, Unloan, Residential Mortgage Group and Bankwest and excludes Viridian Line of Credit. 3. Excludes Bankwest and Residential Mortgage Group. 4. Average home loan return based on $600,000 loan size. Broker returns adjusted for upfront and trail commissions and lower operating expenses. 5. CBA including Bankwest. Excludes ASB. 6. CBA including Bankwest. Excludes ASB, Unloan and Residential Mortgage Group. Represents the 4-week rolling average of the number of home loan applications to 31 July 2026 and 1 August 2025 respectively. Consistent market share performance1 Fundings weighted towards proprietary distribution 67% 67% 64% 33% 33% 36% 2H25 1H26 2H26 Fundings mix3 59% 57% 61% 41% 43% 39% 2H25 1H26 2H26 Fundings mix2 OO IHL 99% 99% 93% 1% 1% 7% 2H25 1H26 2H26 Fundings mix2 Variable Fixed Disciplined approach to balance growth5 87 85 105 95 1H25 2H25 1H26 2H26 New fundings2 $bn Prop. Broker Proprietary originated home loans ~20-30% more profitable than broker4 25% 21% 21% 14% 13% 26% 23% 22% 15% 14% Application volumes have softened CBA application volumes (#)6 Home loans – overview Disciplined strategic and operational execution, targeted growth – focus on sustainable returns Jun 20 Aug 20 Oct 20 Dec 20Feb 21 Apr 21 Jun 21 Aug 21 Oct 21 Dec 21Feb 22 Apr 22 Jun 22 Aug 22 Oct 22 Dec 22Feb 23 Apr 23 Jun 23 Aug 23 Oct 23 Dec 23Feb 24 Apr 24 Jun 24 Aug 24 Oct 24 Dec 24Feb 25 Apr 25 Jun 25 Aug 25 Oct 25 Dec 25Feb 26 Apr 26 Jun 26 Jun 20 Jun 26 CBA Group Peer 2Peer 1 Peer 3CBA (ex Bankwest) Broker market Owner Occupied Investor Total Owner Occupied Investor First home buyer Non-first home buyer Broker originated applications (market)6 CBA applications by funding mix8 Change in home loan applications (#)7 Change in home loan applications (#)7 Feb Mar Apr May Jun Jul Aug -15% since May -28% Investor -9% Owner Occupied 12 May -17% vs PCP Cash rate increase Cash rate decrease 2025, 4-week rolling average 2026, 4-week rolling average
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75 Portfolio1 Jun 25 Dec 25 Jun 26 Total balances – spot ($bn) 634 659 680 Total balances – average ($bn) 623 645 668 Total accounts (m) 1.9 1.9 1.9 Variable rate (%) 95 96 95 Owner occupied (%) 68 67 67 Investment (%) 31 32 32 Line of credit (%) 1 1 1 Proprietary (%)2 54 54 54 Broker (%)2 46 46 46 Interest only (%)2,3 11 12 12 Lenders’ mortgage insurance (%)2 12 12 11 Mortgagee in possession (bpts)2 2 1 0 Negative equity (%)2,4 0.8 0.6 0.5 Annualised loss rate (bpts)2 0 0 0 Portfolio dynamic LVR (%)2,5 42 41 41 Customers in advance (%)2,6 85 87 85 Payments in advance incl. offset (#)2,7 32 35 32 Offset balances – spot ($bn)8 85 97 94 New business1 Jun 25 Dec 25 Jun 26 Total funding ($bn)9 85 105 95 Average funding size ($’000)10 490 522 503 Serviceability buffer (%)11 3.0 3.0 3.0 Variable rate (%) 99 99 93 Owner occupied (%) 59 57 61 Investment (%) 41 43 39 Line of credit (%) 0 0 0 Proprietary (%)2 54 54 51 Broker (%)2 46 46 49 Interest only (%)12 24 26 25 Lenders’ mortgage insurance (%)2 7 7 6 Debt-to-income ≥ 6x – total (%)2,13 5 7 6 1. All portfolio and new business metrics are based on balances and funding respectively, unless stated otherwise. All new business metrics are based on 6 months to June 2025, December 2025 and June 2026. CBA including Bankwest. Excludes ASB. 2. Excludes Residential Mortgage Group. 3. Excludes Viridian Line of Credit. 4. Negative equity arises when the outstanding loan balance (less offset balances) exceeds updated house value. Based on outstanding balances, taking into account both cross-collateralisation and offset balances. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan. 5. Dynamic LVR defined as current balance/current valuation. 6. Any amount ahead of monthly minimum repayment at an account level; includes offset facilities and loans in arrears. 7. Average number of monthly payments ahead of scheduled repayments. 8. CBA including Bankwest. 9. Gross funding includes internal refinancing and top-ups, Viridian Line of Credit and Residential Mortgage Group. 10.Average funding size defined as funded amount/number of funded accounts. Excludes Residential Mortgage Group. 11.Serviceability test based on the higher of the customer rate plus an interest rate buffer or minimum floor rate. 12.Based on the APRA definition of interest only reporting, inclusive of construction loans. 13.Total debt amount / gross income. APRA limits up to 20 per cent of total new lending at debt six times income or more (limit applies separately to investor and owner-occupied segment), excludes bridging loans for owner-occupiers and loans for the purchase or construction of new dwellings. Based on unconditionally approved applications. Home loans – CBA 1 A disciplined approach to portfolio quality, growth and sustainable returns
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76 Portfolio1 Jun 25 Dec 25 Jun 26 Total balances – spot ($bn) 523 540 553 Total balances – average ($bn) 515 530 546 Total accounts (m) 1.6 1.6 1.6 Variable rate (%) 95 96 95 Owner occupied (%) 69 68 68 Investment (%) 30 31 31 Line of credit (%) 1 1 1 Proprietary (%)2 63 63 64 Broker (%)2 37 37 36 Interest only (%)2,3 10 11 11 Lenders’ mortgage insurance (%)2 12 11 11 First home buyers (%)11 7 7 7 Mortgagee in possession (bpts)2 2 1 0 Annualised loss rate (bpts)2 1 0 0 Portfolio dynamic LVR (%)2,4 42 40 40 Customers in advance (%)2,5 84 86 85 Payments in advance incl. offset (#)2,6 33 36 34 Offset balances – spot ($bn) 71 80 78 New business1 Jun 25 Dec 25 Jun 26 Total funding ($bn)7 67 83 74 Average funding size ($’000)8 491 526 505 Serviceability buffer (%)9 3.0 3.0 3.0 Variable rate (%) 99 99 93 Owner occupied (%) 62 59 63 Investment (%) 38 41 37 Line of credit (%) 0 0 0 Proprietary (%)2 67 67 64 Broker (%)2 33 33 36 Interest only (%)10 21 25 23 Lenders’ mortgage insurance (%)2 7 7 6 First home buyers (%)11 8 8 10 1. All portfolio and new business metrics are based on balances and funding respectively, unless stated otherwise. All new business metrics are based on 6 months to June 2025, December 2025 and June 2026. CBA excluding Bankwest and ASB. 2. Excludes Residential Mortgage Group. 3. Excludes Viridian Line of Credit. 4. Dynamic LVR defined as current balance/current valuation. 5. Any amount ahead of monthly minimum repayment at an account level; includes offset facilities and loans in arrears. 6. Average number of monthly payments ahead of scheduled repayments. 7. Gross funding includes internal refinancing and top-ups, Viridian Line of Credit and Residential Mortgage Group. 8. Average funding size defined as funded amount/number of funded accounts. Excludes Residential Mortgage Group. 9. Serviceability test based on the higher of the customer rate plus an interest rate buffer or minimum floor rate. 10.Based on the APRA definition of interest only reporting, inclusive of construction loans. 11.Excludes Residential Mortgage Group and Unloan. Home loans – CBA ex BWA 1 A disciplined approach to portfolio quality, growth and sustainable returns
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77 Home loans – serviceability assessment 1 94% of the book originated under tightened standards since FY16 1. CBA excluding Bankwest unless stated otherwise. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan and Residential Mortgage Group. 2. Serviceability changes are reflective of changes made within the financial year and may have changed since implementation or may not be currently in place. 3. Indicative loan assessment and is subject to change. 4. Self-employed applicants required to present latest full year financials showing two years trading performance. 5. Existing CBA Business Banking customers with at least two years trading history eligible to present latest full year financials with latest year trading performance. 6. HELP debt is excluded from serviceability assessment where repayment is expected within 12 months and assessed at a reduced buffer rate where repayment is expected within 1 to 5 years. 94% of the book originated under tightened standards since FY16 94% Key serviceability changes by year2 FY16-19 • Increased serviceability buffer and buffers on existing debts • Removed Low doc and EQFS products • Tightened lending requirements for non-residents and use of foreign currency • Tightened lending requirements in high-risk areas • Reduced IO maximum term limits FY20 • Changes to serviceability buffer and floor assessment rate • Removed LMI/LDP waivers for construction, land loans • Temporary COVID-19 tightening on verification FY21-24 • Restrictions on family guarantor arrangements • Updated treatment of net rental income (expense capture, income shading and maximum yield to market cycle) • Expenses excluded from HEM added to higher of declared expenses or HEM • Increased serviceability buffer and floor rates • Tightened LVR limits for construction and bridging loans, and high value properties • Enhanced self-employed and investment income calculations • Allowed latest year financials for high quality self-employed segments4 • Expanded application of postcode-level appetite across higher risk locations FY25 • Enhanced self-employed income verification for eligible CBA Business Banking customers allowing the use of latest full year financials5 • Updated treatment for repayment of ‘near term’ HELP debt6 FY26 • Removed non-individual borrowing (Company or Trusts) for Third Party introduced loans where customers have less than six-month lending history with the Bank • Updated negative gearing eligibility criteria for investor lending in line with Federal Budget tax reform measures New loan assessment (from FY16)3 Income • All income used in application to assess serviceability is verified • 80% or lower cap on less stable income sources (e.g. bonus, overtime) • Applicants reliant on less stable sources of income manually decisioned • 90% cap on tax free income, including government benefits • Limits on investor income allowances • Rental income net of rental expenses used for servicing Living expenses • Living expenses captured for all customers • Servicing calculations use the higher of declared expenses or HEM adjusted by income and household size • Expenses excluded from HEM are added to the higher of the declared expenses or HEM Interest rates • Assess customer ability to pay based on the higher of the customer rate plus serviceability buffer or minimum floor rate • Interest only loans assessed on principal and interest basis over the residual term of the loan Existing debt • Existing customer commitments are verified through Comprehensive Credit Reporting (CCR) and CBA transaction accounts data where available • CBA transaction accounts and CCR data used to identify undisclosed customer obligations • For repayments on existing debt: – CBA and OFI repayments recalculated using the higher of the actual rate plus a buffer or minimum floor over remaining principal and interest loan term – Credit card repayments calculated at an assessment rate of 3.8% – Other debt repayments calculated based on actual rate + buffer
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78 40% 60% 80% 100% 120% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Single owner occupier Joint owner occupier Single Investor - Purchase New Build Single Investor - Purchase Established 0% 10% 20% 30% 40% 50% 60% 0k to 75k 75k to 100k 100k to 125k 125k to 150k 150k to 200k 200k to 500k > 500k 0% 10% 20% 30% 40% 50% 60% 0k to 75k 75k to 100k 100k to 125k 125k to 150k 150k to 200k 200k to 500k > 500k 89% 89% 90% 89% Serviceability buffer and interest rates Loans assessed based on the higher of the customer rate4 + buffer, or minimum floor rate Home loans – borrowing capacity 1 Borrowing capacity impacted by higher interest rates and Federal Budget tax reform changes 1. CBA excluding Bankwest and Unloan, unless noted otherwise. 2. Scenarios based on differing assumptions with respect to family types, number of dependents, loan size, income sources and existing liabilities/commitments. 2026 represents June 26 on a spot basis. 3. Applications that have passed system serviceability test; borrowed with excess capacity reflects applicants above minimal net income surplus. 4. Customer rate includes any customer discounts that may apply. 5. SVR (OO P&I) reflects the advertised reference rate and does not include any customer pricing concessions. 6. CBA including Bankwest. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. Application gross income band6 6 months to Jun 26 – Funding $ Application gross income band6 6 months to Jun 26 – Funding # Investor home loans (IHL)Owner occupied (OO) Investor home loans (IHL)Owner occupied (OO) SVR (OO P&I)5 Buffer Minimum floor rate Borrowing capacity2 Change in maximum borrowing capacity2 – indexed Dec 16 % of applicants with additional capacity to borrow3 Jun 23 Jun 24 Jun 25 Jun 26 8.55 8.80 8.80 8.80 8.30 8.05 8.80 3.00 3.00 3.00 3.00 3.00 3.00 3.00 Jun 23 Dec 23 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26 5.40% 11.05 11.8011.55 11.80 11.80 11.3011.80
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79 1.34% 1.33% 0.68% 0.73% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 32353233 Jun 26Dec 25Jun 25Jun 19 52% 42% 41% 41% Jun 19 Jun 25 Dec 25 Jun 26 Dynamic LVR8 Portfolio average Home loan arrears6 30+ days, 90+ days Home loans – resilience 1,2 Stable savings buffers and DLVR Average payments in advance3,4 # of payments Offset and redraw balances $bn 30+ days7 90+ days 85%87%85%78%% customers in advance3 Offset1 Redraw5 45 85 97 9444 64 67 6389 149 164 157 Jun 19 Jun 25 Dec 25 Jun 26 *Slide 79 1. CBA including Bankwest. 2. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan, unless otherwise stated. 3. Any amount ahead of monthly minimum repayment; includes offset facilities and loans in arrears. 4. Average number of monthly payments ahead of scheduled repayments. 5. Redraw balances represent the value of all payments in advance (payments ahead of scheduled repayments), excluding offset facilities. 6. Group including ASB. 7. Comparative information since July 2023 has been restated to conform to presentation in the current period. 8. CBA including Bankwest, Line of Credit and Reverse Mortgages. Excludes Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan. Taking into account cross-collateralisation. Offset balances not considered. 1, 2, 3, 4, 5, 6, 7, 8. Refer to sources, glossary and notes at the back of this presentation for further details.
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80 7% 7% 7% 1% 1% 2%1% 1% 1% 5% 4% 4% 14% 13% 14% Jun 25 Dec 25 Jun 26 35% 7% 7% 6% 12% 19% 14% 37% 7% 7% 7% 12% 17% 13% 35% 8% 7% 7% 13% 16% 14% > 2 years 1-2 years 6-12 months 3-6 months 1-3 months < 1 month On Time Home loans – savings and repayment buffers Stable savings and repayment buffers 1. CBA including Bankwest. Excludes ASB, Line of Credit, Reverse Mortgages, Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan. Includes offset facilities, excludes loans in arrears. 2. Any amount ahead of monthly minimum repayment at an account level; includes offset facilities and loans in arrears. Repayment buffers1 % of accounts Payments on time1 % of accounts Residual Structural: e.g. fixed rate loans New accounts: <1 year on book Investment loans: negative gearing/tax benefits Jun 25 Dec 25 Jun 26 85% 87% 85% Jun 25 Dec 25 Jun 26 % customers in advance2
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81 3% 2% 4% 3% 3%4% 3% 9% 14% 6% (2%) (3%) 5% 7% 1% NSW VIC QLD WA Australia 0.4%0.5%0.6% 0.5%0.6%0.8% Jun 26Dec 25Jun 25 0% 10% 20% 30% 40% 50% 60% 70% 80% LVR ≤ 60% LVR 60%-70% LVR 70%-80% LVR 80%-90% LVR 90%-95% LVR 95%-100% LVR > 100% 84% NSW & VIC 0% 10% 20% 30% 40% 50% 60% 70% 80% LVR ≤ 60% LVR 60%-70% LVR 70%-80% LVR 80%-90% LVR 90%-95% LVR 95%-100% LVR > 100% Jun 25 Dec 25 Jun 26 House price movements by state5 Negative equity4 Proportion of balances in negative equity • 68% of customers ahead of repayments • 10% of home loans in negative equity have Lenders’ Mortgage Insurance Home loans – portfolio DLVR 1 Portfolio DLVR stable at 41% 1. CBA including Bankwest. Excludes ASB, Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 2. Taking into account cross-collateralisation. Offset balances not considered. 3. CBA including Bankwest, Line of Credit and Reverse Mortgages. Excludes Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan. Average calculations based on collateral grouping. 4. Negative equity arises when the outstanding loan (less offsets) exceeds house value. Based on outstanding balances, taking into account cross-collateralisation and offset balances. CBA updates house prices monthly using internal and external valuation data. 5. Six month change sourced from Cotality Home Value Index released 3 August 2026. Dynamic LVR bands2 % of total portfolio accounts Dynamic LVR bands2 % of total portfolio balances Average dynamic LVR3 Jun 25 42% Dec 25 41% Jun 26 41% Negative equity >$50k Negative equity Jun 25 Dec 25 Jun 26 Jun 25 Dec 25 Jun 26 Jun 25 Dec 25 Jun 26
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82 0.01% 0.01% 0.00% 0.00% Jun 23 Jun 24 Jun 25 Jun 26 33% 53% 3%4% 7% 27% 54% 5% 7% 7% 28% 55% 4%5% 8% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 1983 1993 2003 2013 2023 Non-performing, not well-secured home loans represent < 0.1% of home loan balances Actual losses to average gross loans and acceptances (GLAA)5 Portfolio insurance profile3 % of home loan portfolio Australian non-performing home loans2 Home loans – non - performing loans, losses & insurance 1 Non - performing home loans increased amid higher interest rates – portfolio largely well - secured 1. CBA including Bankwest. 2. Non-performing exposures are exposures in default as defined in regulatory standard APS220 Credit Risk Management. Well-secured home loans are defined as those with LMI or where the fair value of collateral after applying a conservative haircut to the most recent valuation exceeds the estimated future contractual cash flows. Estimated future contractual cash flows includes loan balance, interest and expenses during the resolution period. 3. Excludes Line of Credit, Reverse Mortgages, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 4. Reflects total Australian non-performing, not well-secured home loans. 5. Bankwest included from FY09. 6. Arch Lenders Mortgage Indemnity Limited is the LMI provider to CBA and Bankwest of new high Loan to Value Ratio (LVR) residential mortgages under a Supply and Service contract (commenced on 1 February 2026). Helia and QBE were LMI providers to CBA and Bankwest respectively prior to commencement date. NSW VIC QLD Non-performing home loan balances increased due to an increase in well-secured home loans as higher interest rates continue to put upward pressure on households WA Other Jun 26Jun 25 Dec 25 Australian non-performing, not well-secured home loans2,3 % by state Group total loans CBA home loans CBA home loans loss rate 2026 86% Insurance not required – lower risk profile e.g. low LVR 11% Insurance with Helia, QBE or Arch for higher risk loans above 80% LVR6 3% Low deposit premium segment $bn Well-secured Not well-secured Total $0.4bn4$0.4bn4$0.4bn4 3.9 5.2 5.5 6.0 6.0 6.8 0.4 0.3 0.3 0.4 0.4 0.4 4.3 5.5 5.8 6.4 6.4 7.2 Dec 23 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26
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83 0.0% 0.5% 1.0% 1.5% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 0.5% 1.0% 1.5% 2.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 FY18 FY19FY20 FY21 FY22FY23 FY24 FY25 FY26 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 0 6 12 18 24 30 36 42 48 54 60 66 72 Months on Book 0.0% 1.0% 2.0% 3.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 0.5% 1.0% 1.5% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 Portfolio 30+ days Year 30+ days Home loans – arrears (30+ days) 1 Arrears increasing as cost - of - living and interest rate pressures affect some borrowers 1. Comparative information since July 2023 has been restated to conform to presentation in the current period following an alignment of home loan arrears methodologies across the Group. 2. CBA including Bankwest. Excludes ASB, Line of Credit, Reverse Mortgages, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 3. FY25 fixed rate home loan arrears were impacted by a decrease in fixed rate home loan balances as customers switched to variable rate loans. Balance of 30+ days arrears for fixed rate loans has remained low (Jun 26: $292 million). Group BWA ASB CBA Product 30+ days2 Repayment and interest type 30+ days2 Vintage 30+ days2 State 30+ days2 Owner occupied Investment NT WA QLD SA AUS TAS VIC NSW ACT 2026 2020 2021 2022 2023 2024 2025 Principal & interest Interest only Fixed3 Variable Portfolio
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84 0.0% 0.2% 0.4% 0.6% 0.8% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 FY18 FY19FY20 FY21 FY22FY23 FY24 FY25 FY26 0.0% 0.5% 1.0% 1.5% 2.0% 0 6 12 18 24 30 36 42 48 54 60 66 72 Months on Book 0.0% 0.5% 1.0% 1.5% 2.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 Vintage 90+ days1 Portfolio 90+ days Year 90+ days Home loans – arrears (90+ days) Arrears increasing as cost - of - living and interest rate pressures affect some borrowers 1. CBA including Bankwest. Excludes ASB, Line of Credit, Reverse Mortgages, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 2. FY25 fixed rate home loan arrears were impacted by a decrease in fixed rate home loan balances as customers switched to variable rate loans. Balance of 90+ days arrears for fixed rate loans has remained low (Jun 26: $131 million). Group BWA ASB CBA Repayment and interest type 90+ days1 State 90+ days1 Owner occupied Investment NT WA QLD SA AUS TAS VIC NSW ACT Principal & interest Interest only Fixed2 Variable Portfolio 2026 2020 2021 2022 2023 2024 2025 Product 90+ days1
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85 2026 2020 2021 2022 2023 2024 2025 0.0% 0.5% 1.0% 1.5% 2.0% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 0.0% 1.0% 2.0% 3.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 0.5% 1.0% 1.5% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 Portfolio Group 30+ days Portfolio Group 30+ days Consumer finance – arrears 1 Higher arrears reflecting cost - of - living pressures, deliberate settings across credit, pricing and acquisition mix 1. Group consumer arrears including ASB. 2. Bankwest personal loan applications closed in 1H25 as part of portfolio simplification under new digital bank operating model. Personal loan portfolio in run-off with spot balance $0.1bn as at 30 Jun 2026. Credit cards Portfolio Group 90+ days Year Group 90+ days Portfolio Group 90+ days Year Group 90+ days Group BWA2 ASB CBA Group BWA2 ASB CBA Group BWA ASB CBA Group BWA ASB CBA Personal loans 2026 2020 2021 2022 2023 2024 2025
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Business & corporate lending
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87 0.09% 0.09% 0.09% 0.06% 0.05% 0.05% 0.09% 0.08% 0.08% 0.49% 0.45% 0.47% 0.24% 0.22% 0.25% 0.97% 0.89% 0.94% Jun 25 Dec 25 Jun 260.0 0.5 1.0 1.5 2.0 2.5 BBB+ AAA AA+ BBB+ AA A A A- BBB- BBB 64.9% 65.3% 65.8% Jun 25 Dec 25 Jun 26 TCE $bn AAA to AA- A+ to A- BBB+ to BBB- Other Jun 26 Gov. Admin & Defence 184.5 19.1 0.3 0.3 204.2 Finance & Insurance 69.8 49.1 6.2 3.7 128.8 Com. Property 1.2 10.7 36.1 71.1 119.1 Agriculture & Forestry - 0.8 8.5 27.9 37.2 Transport & Storage 0.5 2.7 14.2 11.6 29.0 Ent. Leisure & Tourism - 0.1 1.8 22.6 24.5 Manufacturing - 0.7 8.2 14.2 23.1 Wholesale Trade 0.1 0.3 6.7 14.4 21.5 Business Services 0.4 0.5 6.3 14.1 21.3 Elec. Gas & Water 0.6 3.5 10.1 6.5 20.7 Health & Community Services 0.1 0.2 3.3 14.8 18.4 Retail Trade - 0.7 3.9 13.6 18.2 Construction - 0.1 3.0 12.9 16.0 Mining, Oil & Gas - 0.4 4.4 2.3 7.1 Media & Communications 1.7 1.6 2.1 1.4 6.8 All other ex Consumer 0.3 1.4 1.8 11.8 15.3 Total Corporate 259.2 91.9 116.9 243.2 711.2 Consumer - - - 896.6 896.6 Total 259.2 91.9 116.9 1,139.8 1,607.8 Exposures by industry1,2 Corporate portfolio quality Investment grade Top 10 commercial exposures TCE, $bn Total Group TCE by geography Troublesome & non-performing exposures3,4 % of Group TCE Jun 25 Dec 25 Jun 26 Australia 81.5% 81.8% 82.2% New Zealand 9.9% 9.4% 8.8% Americas 4.0% 4.1% 4.1% Europe 2.4% 2.6% 2.7% Asia 2.2% 2.1% 2.2% Corporate troublesome Retail Corporate Retail Corporate *Slide 87 1. CBA grades in S&P equivalents. 2. Due to rounding, the numbers presented may not sum precisely to the totals provided. 3. Non-performing exposures are exposures in default as defined in regulatory standard APS220 Credit Risk Management. Corporate troublesome exposures are defined as exposures to corporate customers where profitability is weak and the capacity to meet financial commitments is diminished. These customers are at higher risk of default over the next 12 months. Well-secured home loans are defined as those with LMI or where the fair value of collateral after applying a conservative haircut to the most recent valuation exceeds the estimated future contractual cash flows. Estimated future contractual cash flows includes loan balance, interest and expenses during the resolution period. 4. Represents troublesome and non-performing exposures as a proportion of Group total committed exposures. 1, 2, 3, 4. Refer to sources, glossary and notes at the back of this presentation for further details. Well- secured Not well- secured Portfolio quality 1 Sound portfolio credit quality
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88 Total committed exposure 1,2 Key sectors of interest Refer separate slides following 1. Refer to glossary at the back of this presentation for further details. 2. Due to rounding, the numbers presented may not sum precisely to the totals provided. TCE ($bn) TNPE ($bn) TNPE % of TCE Provisions % of TCE Jun 25 Dec 25 Jun 26 Jun 25 Dec 25 Jun 26 Jun 25 Dec 25 Jun 26 Jun 25 Dec 25 Jun 26 Government Administration & Defence 185.4 200.5 204.2 0.0 0.0 0.0 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Finance & Insurance 115.6 114.9 128.8 0.0 0.0 0.1 0.0% 0.0% 0.0% 0.1% 0.1% 0.0% Commercial Property 105.4 112.9 119.1 0.8 0.6 0.8 0.7% 0.5% 0.7% 0.4% 0.3% 0.3% Agriculture & Forestry 35.0 35.0 37.2 1.1 1.0 1.1 3.1% 2.9% 2.9% 0.6% 0.6% 0.6% Transport & Storage 28.5 29.0 29.0 0.5 0.5 0.5 1.9% 1.7% 1.7% 0.8% 1.0% 1.1% Entertainment, Leisure & Tourism 20.7 22.4 24.5 0.4 0.5 0.5 2.0% 2.3% 1.9% 2.0% 1.7% 1.3% Manufacturing 20.9 22.1 23.1 0.5 0.5 0.6 2.5% 2.3% 2.7% 1.3% 1.3% 1.5% Wholesale Trade 18.7 21.1 21.5 0.6 0.8 0.9 3.3% 3.8% 4.0% 2.0% 1.8% 2.1% Business Services 18.1 19.7 21.3 0.4 0.4 0.5 2.1% 2.2% 2.2% 1.2% 1.2% 1.2% Electricity, Gas & Water 19.5 19.2 20.7 0.1 0.0 0.0 0.7% 0.2% 0.2% 0.8% 0.5% 0.4% Health & Community Services 17.8 18.5 18.4 0.4 0.4 0.5 2.5% 2.2% 2.5% 1.2% 1.2% 1.1% Retail Trade 17.0 17.4 18.2 0.5 0.4 0.5 2.6% 2.1% 2.8% 1.5% 1.3% 1.6% Construction 14.4 14.9 16.0 0.6 0.5 0.5 3.8% 3.3% 3.1% 2.5% 2.3% 2.2% Mining, Oil & Gas 7.4 6.4 7.1 0.0 0.0 0.0 0.2% 0.4% 0.3% 0.6% 0.6% 0.6% Media & Communications 6.9 6.9 6.8 0.0 0.0 0.0 0.3% 0.4% 0.4% 0.5% 0.5% 0.3% Personal & Other Services 4.3 4.2 4.4 0.1 0.2 0.2 2.1% 5.1% 5.3% 0.8% 1.0% 1.1% Education 4.0 4.2 4.2 0.1 0.0 0.0 1.9% 0.9% 0.7% 0.5% 0.4% 0.5% Other 5.9 6.3 6.8 0.1 0.1 0.1 2.2% 1.7% 1.7% n/a n/a n/a Total - Corporate 645.4 675.8 711.2 6.3 6.1 6.8 1.0% 0.9% 1.0% 0.5% 0.5% 0.5% Consumer 851.6 878.8 896.6 8.2 7.8 8.4 1.0% 0.9% 0.9% 0.4% 0.3% 0.3% Total 1,497.0 1,554.6 1,607.8 14.5 13.9 15.2 1.0% 0.9% 0.9% 0.4% 0.4% 0.4% Finance: (Monitor at full run to see if correction made) It’s the same client as discussed previously (C3 Projects Trust). I spoke with the RM today, and it’s ANZSIC was corrected, and then reversed again. They need to update the PD to have it sit under Commercial Property. Their analysts are working on it now to have it corrected in time for June month end. I asked about timings, and she seemed confident it would go through. Client is in the process of being off- boarded as well. Manufacturing: +$121m movement mostly attributed to a single client in BB ($90m Garacama Pty Ltd – wine manufacturing) Wholesale Trade: (see table below) +$69m movement with +$42m with ASB and +$27m in BB. Distribution of the increases is spread across multiple smaller client exposures $20m and below. Retail Trade: +$142m movement with a couple of clients contributing to most of the movement (KMD Brands a.k.a Kathmandu $45m in IB&M; Petco Holding Investments $35m in BB). Remainder are small exposures <$15m Health & Community Services : +$53m movement from a single client Edge Early Learning Holdings Pty Ltd in BB. They’ve been in the news lately. I will provide more details on specific client circumstances of large TNPE movers in the Q&A pack. 1. Commercial Property - 4 clients with TNPE increases >$50m: M7 Property Trust is A grade office, while JX Trust, Sussex Sydney Trust and 84-96 Bastings St are all B grade office. 2. Manufacturing - Single client (Garacama, Food & Beverage) making up $90m of $120m of HoH TNPE movement. The rest are mostly smaller clients with increases and decreases offsetting. 3. Wholesale Trade - One large reduction in TNPE of $37m (One Stop Warehouse, Other), while increases have been distributed across multiple clients. 9 clients with individual TNPE increases between $5m and $21m are driving the increase. 4. Health - Single client (Edge Early Learning, Childcare) making up $57m of $58m HoH increase. Rest are <$15m ups and downs. 5. Retail Trade - Two clients (Kathmandu & Petco) making up $68m of $136m HoH increase. Remainder are <$12m ups and downs. 6. Personal - Single client (Picnic Rock Trust, Laundry / Dry-clean
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89 7.7 97.0 - 0.1 7.4 96.9 - 0.1 8.0 97.2 - - % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE 38% 26% 21% 4% 11% 65% 27% 5% 3% NBFI lending 50% 5% 11% 6% 12% 4% 12% Finance & Insurance Disciplined origination and strong credit quality • The Finance and Insurance sector demonstrated resilience despite market volatility, cost pressures and ongoing regulatory change. Demand for banking and insurance services is expected to remain stable. • The portfolio grew 12% over the half, reflecting increased exposure to investment grade bonds, customer hedging activity, funds financing and securitisation. The portfolio remains weighted towards investment grade exposures at 97.2%. • Subscription Credit Facilities1, supported by investors’ uncalled capital commitments, account for 26% of Other Finance and remain 100% investment grade. • Lending to Non-Bank Financial Institutions (NBFI)2 through Securitisation and Asset Based Facilities3 accounts for 38% of Other Finance (~24% of the portfolio). These exposures are 100% investment grade, reflecting disciplined structuring and client selection, whilst supporting growth across target clients and assets. • Growth in Asset Based Facilities remains modest, with the portfolio skewed towards Infrastructure and Listed Equities, and origination targeted at select leading fund managers. • The Bank supports institutional customers in Australia and New Zealand through funding of specific securitisation assets, access to capital markets and global fixed income investors. Group exposure Profile Other Finance NBFI Lending Subscription Credit Facilities Derivatives Bonds Other ExposureOther Finance Superannuation Insurance Banks Sector 1. Exposure with recourse to the legally binding uncalled capital commitments of the fund’s investors. 2. Securitisation exposure that is directly collateralised by the underlying debt obligation, plus Asset Based Facilities. 3. Exposure based on the underlying value and cash flows of the investments in the fund. Asset Based Facilities - Public Equity Asset Based Facilities - Private Credit Asset Based Facilities - Other Securitisation - Residential Mortgages Securitisation - Other Retail Securitisation - Lease and Receivables Securitisation - Other Commercial Asset Based Facilities – Other: ~$4bn Jun 25 Dec 25 Jun 26 TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE Portfolio investment grade (%) 97.0 96.9 97.2 115.6 114.9 128.8 Category 1 TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE
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90 46% 7%3% 21% 9% 11% 3% 24% 13% 19% 12% 15% 17% 83% 6% 11% Commercial Property Diversified and well - secured portfolio • Over the half, exposure grew 5%. Growth was across sub-sectors and geographies. • Residential Property remained the largest contributor to growth, although momentum moderated over the half, reflecting labour supply constraints, cost inflation, and uncertainty around the impacts of the Federal Budget changes on development feasibility. These pressures are being closely monitored and while low vacancy rates, housing demand, and government supply initiatives continue to support the sector, activity is likely to be subdued in the near term. • TNPE increased modestly due to a small number of customer downgrades, while overall portfolio performance remained stable and well secured. • Leverage remains moderate for the individually risk-rated property investment portfolio, with a weighted average Loan to Valuation Ratio (LVR) of 48%1. Of the unsecured exposure, >90% is to investment grade customers. • Office exposures are weighted toward Premium and A Grade property where capital values have improved. Elevated vacancy rates remain a focus, with tighter LVRs in place for high vacancy precincts. • Retail performance was sound, supported by low vacancy rates, limited new supply and population growth. • Portfolio settings remain conservative, with close oversight of covenants, Interest Coverage Ratios and targeted adjustments to origination settings to address valuation, income and interest rate risk. Profile 31% of total residential exposure related to apartment development >$20m Other Commercial Property Real Estate Investment Trusts Residential Property Industrial Property Office Property Retail Property Geography WA NZ Other Aus & Overseas NSW QLD SA VIC SecuritySector Partially secured Unsecured Fully secured Group exposure Jun 25 Dec 25 Jun 26 1. As at 30 June 2026. The remaining exposure primarily relates to statistically managed exposures where LVR is not available, and property development. • Market conditions improved across most of the commercial property sector, with exposure increasing 5% over the half and broad-based growth across sub- sectors. • Residential Property remained the largest contributor to growth, although momentum moderated over the half reflecting labour supply constraints, cost inflation, and uncertainty around the impacts of the Federal budget changes on development feasibility. Low vacancy rates, continued housing demand, and government supply initiatives remain supportive of sector activity. • TNPE increased modestly due to downgrades of a small number of customers, while overall portfolio performance remained stable and well secured. • Leverage remains moderate for the individually risk-rated property investment portfolio, with the weighted average Loan to Valuation Ratio (LVR) at 48%1. Of the unsecured exposure, 91% is to investment grade customers. • Office exposures are weighted toward Premium / A Grade property. Capital values for Premium and A-grade CBD office assets have improved in all markets, at a rate dependent on local demand/supply conditions. Tighter origination LVRs remain in place for locations with elevated vacancy rates. • Retail performance remains strong, supported by low and falling vacancy rates, limited new supply and high population growth. • Portfolio settings remain conservative, with disciplined management and close oversight of Interest Coverage Ratio (ICR) supporting resilience to valuation, income and interest rate volatility. Portfolio investment grade (%) 37.2 39.5 40.3 105.4 112.9 119.1 Category 1 7.0 37.2 0.7 0.4 7.3 39.5 0.5 0.3 7.4 40.3 0.7 0.3 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE
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91 Agriculture & Forestry Well - secured portfolio with sound quality amid mixed conditions • The Agricultural sector remains resilient, underpinned by stronger livestock and grain prices, robust demand, diversified markets and production levels that remain above historical averages. The portfolio grew 6% over the half, with portfolio quality and TNPE remaining stable. • Many Agricultural customers face input cost pressures, particularly fuel, fertiliser and transport, impacting profitability and margins. Customers have responded with a range of measures, including utilising cash reserves, managing costs, adjusting planting plans, and in some cases, deferring capital expenditure. As at 30 June 2026, the Bank has proactively contacted ~80% of its Australian customers1 in this sector with only 2% indicating a need for support through payment deferrals, working capital or debt restructuring. • Conditions were mixed across the sub-sectors, with livestock markets supported by robust global demand while farm production is impacted by drier seasonal conditions. • Farm values remain strong, although growth is moderating following an extended period of gains. • Stable climatic conditions in New Zealand supporting dairy farm productivity, combined with improved commodity prices and lower interest rates, have contributed to improvements in portfolio quality. Profile 84% 13% 3% Horticulture & Other Crops Other Livestock Services to Agriculture, Forestry & Fishing Dairy Farming Grain Growing & Mixed Farming Livestock Farming Geography WA NZ Other Aus & Overseas NSW QLD SA VIC SecuritySector 24% 18% 6%11% 7% 30% 4% 26% 20% 25% 17% 4%8% Partially secured Unsecured Fully secured Jun 25 Dec 25 Jun 26 Group exposure• The Agricultural sector remains resilient, supported by stronger livestock and grain prices, while conditions vary across sub-sectors. The portfolio experienced sound growth during the half, with exposure increasing 6%. Portfolio quality was largely unchanged over the half and TNPE remained stable. • Many agricultural customers face input cost pressures, particularly fuel, fertiliser and transport, impacting profitability and margins. Customers have responded with a range of measures, including utilising cash reserves, managing costs, adjusting planting plans, and in some cases, deferring capital expenditure. To date, the Group has proactively contacted 65% of Australian Business Banking customers with only 2% indicating a need for support. • More broadly, the agricultural sector has benefitted from strong demand, diversified markets and production levels that remain above historical averages. • Conditions were mixed across the sub-sectors, with livestock markets supported by robust global demand while farm production face pressure from drier seasonal conditions. • Farmland values remain strong, although growth is moderating following an extended period of gains. • Stable climatic conditions in New Zealand supporting dairy farm productivity combined with improved commodity prices and reduced interest rates have seen portfolio quality continue to improve. 1. Excluding customers in Institutional Banking & Markets and ASB. Portfolio investment grade (%) 19.3 21.7 25.1 35.0 35.0 37.2 Category 1 2.3 19.3 3.1 0.6 2.3 21.7 2.9 0.6 2.3 25.1 2.9 0.6 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE
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92 38% 8%13% 41% Pubs, Clubs & Casinos Cafes, Restaurants & Catering Other Cultural & Recreational Services Accommodation WA NZ Other Aus & Overseas NSW QLD SA VIC 50% 15% 4% 17% 4%4%6% 76% 15% 9% Entertainment, Leisure & Tourism Resilient consumer spending supporting portfolio growth • CommBank Household Spending Insights Index shows consumer spending remaining resilient despite softer sentiment. • Hospitality spending increased 7.0% over the 12 months to June 20261, with higher spending across fast food outlets, food delivery services, restaurants, pubs, taverns and bars. • Recreation spending grew 7.7% over the 12 months to June 20261, with higher spending across travel, cinemas, fitness clubs, sporting goods and ticketing services. • Sector challenges include high operating costs and interest-rate-driven changes in consumer behaviour. • The portfolio grew 9% over the half mainly in Accommodation and Pubs, Clubs & Casinos sub-sectors. • TNPE decreased to 1.9% of the portfolio, reflecting improved performance across multiple exposures. GeographySector Security Partially secured Unsecured Fully secured 1. CommBank Household Spending Insights Index, June 2026. Jun 25 Dec 25 Jun 26 Group exposure Profile Portfolio investment grade (%) 6.2 6.4 7.7 20.7 22.4 24.5 Category 1 1.4 6.2 2.0 2.0 1.4 6.4 2.3 1.7 1.5 7.7 1.9 1.3 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE
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93 Manufacturing Resilient sector despite ongoing margin pressures • Manufacturers continue to face supply chain disruption, including shipping delays, supply shortages and export challenges arising from geopolitical tensions. • Australian dollar volatility is contributing to cost uncertainty and influencing inventory management decisions, with many manufacturers adopting more cautious purchasing and stockholding strategies. • Global tariffs, and elevated labour, energy and insurance costs continue to pressure margins. While manufacturers have been able to pass through some cost increases where market conditions permit, recovery remains partial. • As a result, many businesses continue to absorb a portion of these costs, reinforcing a focus on productivity, operational efficiency and cost discipline over volume-driven growth. • The portfolio grew 4% during the half. • TNPE increased to 2.7% of the portfolio, primarily driven by a single-name exposure downgrade during the period. Profile Group exposure GeographySector WA NZ Other Aus & Overseas NSW QLD SA VIC Security Partially secured Unsecured Fully secured Jun 25 Dec 25 Jun 26 Petroleum, Coal, Chemical & Associated Product Manufacturing General Manufacturing Machinery, Motor Vehicle & Equipment Manufacturing Food & Beverage Manufacturing 26% 8% 10%28% 6% 9% 13% 36% 36% 22% 6% 22% 47% 31% TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE Portfolio investment grade (%) 38.9 36.2 38.5 20.9 22.1 23.1 Category 1 1.4 38.9 2.5 1.3 1.4 36.2 2.3 1.3 1.4 38.5 2.7 1.5 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE
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94 27% 45% 28%24% 15% 4%18% 8% 10% 21%21% 24% 18% 16% 21% Other Wholesaling Machinery, Motor Vehicle & Equipment Wholesaling Mineral, Metal & Chemical Wholesaling Food & Beverage Wholesaling Farm Produce Wholesaling • Wholesale Trade conditions remain challenging, with geopolitical tensions and supply chain uncertainty driving volatility in freight costs, lead times and product availability. These pressures continue to increase inventory management complexity and working capital requirements. • Elevated labour, energy and insurance costs continue to pressure margins. Price sensitivity among consumers and retailers has limited wholesalers’ ability to pass through cost increases, particularly for smaller operators. • The portfolio remained broadly stable over the half, with 2% exposure growth, a stable investment-grade mix and higher provision coverage. • TNPE increased slightly to 4% of the portfolio following several smaller exposure downgrades and remains elevated due to a large single-name downgrade in June 2024. Wholesale Trade Portfolio broadly stable despite challenging sector conditions Geography WA NZ Other Aus & Overseas NSW QLD SA VIC Security Partially secured Unsecured Fully secured Sector Jun 25 Dec 25 Jun 26 Group exposure Profile Portfolio investment grade (%) 27.8 33.0 32.8 18.7 21.1 21.5 Category 1 1.3 27.8 3.3 2.0 1.4 33.0 3.8 1.8 1.3 32.8 4.0 2.1 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE
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95 17.0 1.1 4.2 2.6 1.5 17.4 1.1 4.0 2.1 1.3 18.2 1.1 4.7 2.8 1.6 42% 31% 27% 37% 11%6% 19% 12% 12% 3% 33% 27% 22% 18% Retail Trade Resilient consumer spending despite cost pressures • Cost-of-living pressures and higher interest rates continue to weigh on consumer sentiment. • Population growth, underpinned by net overseas migration, has expanded the consumer base and supported overall spending. • Consumers remain price sensitive, with some households increasingly prioritising essential expenditure and becoming more selective in discretionary purchases. Retailers face elevated input costs across freight, logistics, supply chains and energy. • Against this backdrop, cost recovery through pricing remains constrained, placing pressure on margins. The portfolio grew 5% over the half, while the percentage of portfolio investment grade increased to 25.6%. • TNPE increased to 2.8% of the portfolio due to downgrades of a small number of customers during the period. Geography WA NZ Other Aus & Overseas NSW QLD SA VIC Security Personal Retailing Household Good Retailing Motor Vehicle Retailing & Services Food Retailing Sector Partially secured Unsecured Fully secured Jun 25 Dec 25 Jun 26 Group exposure Profile Portfolio investment grade (%) 24.7 22.8 25.6 17.0 17.4 18.2 Category 1 1.1 24.7 2.6 1.5 1.1 22.8 2.1 1.3 1.1 25.6 2.8 1.6 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE
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96 35% 43% 22% 36% 13%6% 18% 13% 9% 5%12% 10% 34%14% 13% 17% Unsecured Construction Resilient construction pipeline supporting improved sector conditions • Construction pipelines are near all-time highs1, supported by strong activity across infrastructure, renewable energy, data centres, health and aged care, and apartment developments. • Conditions vary across sub-sectors and regions, with near-term demand strongest in Western Australia, South Australia and Queensland. • Despite strong pipelines, growth is likely to moderate due to higher interest rates and input costs. • Higher costs driven by geopolitical tensions are largely being absorbed through contractual recovery mechanisms or shared between contractors and project owners. • The portfolio grew 8% over the half. An increase in the proportion of investment grade exposures and a reduction in TNPE as a percentage of the portfolio reflect continued improvement in sector credit quality. • Pockets of stress remain, with 3,472 construction sector insolvencies2 in the 12 months to June 2026. WA NZ Other Aus & Overseas NSW QLD SA VICInstallation Trade Services Non-Building Construction Other Construction Services Building Structural & Completion Services Building Construction Site Preparation Services Partially secured Fully secured 1. Rider Levett Bucknall Australia Construction Update Q2 2026. 2. Source: ASIC. Jun 25 Dec 25 Jun 26 Group exposure Profile Geography SecuritySector TCE ($bn) % of Group TCE Portfolio investment grade ($bn) % of portfolio graded TNPE % of provisions to TCE Portfolio investment grade (%) 15.3 16.0 19.3 14.4 14.9 16.0 Category 1 1.0 15.3 3.8 2.5 1.0 16.0 3.3 2.3 1.0 19.3 3.1 2.2 % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE TCE ($bn) % of Group TCE % of portfolio investment grade % of portfolio graded TNPE % of provisions to TCE
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Funding, liquidity & capital
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98 38 5 72 - (31) (72) (3) (9) 38 32 30 29 22 22 45 FY26 FY27 FY28 FY29 FY30 FY31 > FY31 Senior debt Covered bond Securitisation AT1/T2 47 68 77 81 86 122 45 61 67 71 76 107 44 56 62 68 74 105 1 year 2 year 3 year 4 year 5 year 10 year Jun 25 Dec 25 Jun 26 Funding overview Long - term conservative funding settings maintained 57% 78% 79% 79% 19% 15% 14% 14%24% 7% 7% 7% Jun 08 Jun 25 Dec 25 Jun 26 Funding composition % of total funding 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12. Refer to sources, glossary and notes at the back of this presentation for further details. Wholesale funding2 Long-term as % of total wholesale funding Sources and uses of funds 12 months to June 26 Deposits Long-term wholesale2 Short-term wholesale1 Indicative wholesale funding costs8 bpts Liquidity metrics Liquid assets Qtr. Avg. ($bn) NSFR LCR7 43% 69% 68% 68% Jun 08 Jun 25 Dec 25 Jun 26 5.2 WAM3 5.2 WAM33.5 WAM3 141 145 58 46 191 Dec 25 Jun 26 Aust. Gov, semi & other Cash & central bank deposits 115% 132% Jun 26 Jun 26 Excess $46bn 100% Regulatory minimum 199 Excess $131bn $bn 5.1 WAM3 *Slide 114 1. Includes other short-term liabilities. 2. Represents long-term wholesale funding as a percentage of total funding which includes RBNZ term lending facilities drawdowns where applicable. 3. Represents the Weighted Average Maturity of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. WAM includes RBNZ term lending facilities drawdowns where applicable. 4. Maturities may vary due to FX revaluation. 5. Includes Senior Bonds and Structured MTN. 6. Additional Tier 1 and Tier 2 Capital. 7. Quarterly average. 8. Indicative weighted senior and covered bond funding costs (excluding Tier 2 costs), across major currencies. Represents the spread over BBSW equivalent on a swapped basis. 9. Includes debt buy-backs and reported at historical FX rates. 10.Short-term wholesale funding and other short-term collateral deposits including net collateral received and Vostro balances. 11.Lending excludes collateral loans. 12.Other includes collateral on hedging instruments, IFRS MTM, FX, net derivatives, net other assets and rounding. Equity Long term issuances Long term maturities9 Short term funding10 Customer deposits Lending11 Liquid and trading assets Other12 Funding profile $bn FY26 Issuance Maturity4 5 6
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99 370 653 405 486 398 33 112 109 80 89178 215 257 179 187 FY17-19 avg. Jun 26 Peer 1 Peer 3 Peer 2 79%70%% of total funding 3% 980 771 674745 7 yr CAGR 8% 19%581 Other deposits Operational deposits Retail/SME deposits 46% 26% 18% 10% Customer deposits vs peers1 $bn Customer deposits by segment4 $bn Investments Savings Transactions5 36% 34% 30% Deposit funding Highest share of customer deposits in Australia – 79% deposit funded 1, 2, 3, 4, 5. Refer to sources, glossary and notes at the back of this presentation for further details. Customer deposits by product4 $bn Retail transaction accounts2 Total accounts #, ‘000 Retail deposit mix3 $bn +3% Online savings Savings & investments Transactions 118 130 128 140 140 143 157 173 177 415 443 448 Jun 25 Dec 25 Jun 26 ASB & Other IB&M BB RBS *Slide 99 1. CBA data as at 30 June 2026. Peer data based on regulatory disclosures as at 31 March 2026. 2. Total retail transaction accounts, excluding offset accounts, includes Bankwest. 3. Represents Retail Banking Services divisional deposit balances. Transactions include non-interest bearing deposits and transaction offsets. Online includes NetBank Saver, Goal Saver, Business Online Saver, Bankwest Hero Saver, Smart eSaver, and Telenet Saver and Easy Saver. Savings and Investments includes savings offset accounts. 4. Includes at-call interest bearing deposits, term deposits and non-interest bearing deposits. 5. Includes non-interest bearing deposits and other customer funding. 415 443 448 230 243 252 159 161 175105 109 105 909 956 980 Jun 25 Dec 25 Jun 26 +6% 11,667 12,001 12,323 Jun 25 Dec 25 Jun 26 322 339 349 313 334 335 274 283 296 909 956 980 Jun 25 Dec 25 Jun 26
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100 0 50 100 150 200 250 300 350 400 Stable deposits Less stable deposits CBA Peer 3 Peer 1 Peer 2 0 50 100 150 200 250 300 350 400 Jun 19 Jun 26 Deposit funding Largest share of stable customer deposits in Australia 1. CBA as at 30 June 2026. Peer data based on regulatory disclosures as at 31 March 2026. Stable deposits Retail & SME deposits in NSFR1, $bn Peers CBA Stable and less stable deposits Retail & SME deposits in NSFR1, $bn
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101 24% 12% 57%9% 8% 20% 11% 1% 6% 31% 71% 25% 79% 24% 74% 20% 21% 27% 10% 14% 20%16% 16% 4% Balance sheet composition 1 CBA has stable, high - quality assets and conservative funding settings 1. Based on published consolidated bank balance sheet disclosures, with the exception of other assets, which are presented net of other liabilities, and High Quality Liquid Assets (HQLA) which is based on regulatory disclosures. 2. European Banking Authority data comprising 119 banks, produced using data as at November 2025. 3. Federal Reserve data comprising commercial banks in the US, produced using data as at November 2025. 4. Lending includes gross loans and advances. 5. Includes unencumbered marketable securities that do not qualify as HQLA, pledged securities and other assets net of trading and other liabilities. Assets – CBA has a stable, high-quality asset profile: • High proportion of well-secured home lending assets • Very low proportion of higher-risk unsecured consumer finance and personal lending • HQLA primarily consists of cash and deposits with central banks, government and semi-government securities; all bonds held are fully hedged for interest rate risk Funding – CBA has proactively maintained conservative funding settings: • Low proportion of short-term funding which provides flexibility through tighter financial conditions • Long-term wholesale funding has a weighted average maturity of 5.2 years and is diversified by product and currency; track record of good access to global funding markets • Large proportion of customer deposits funding including a high proportion of stable household deposits Europe2 Assets Liab + Equity US3 Assets Liab + Equity US banks as at 30 June 2025 CBA Assets Liab + Equity Home lending4 Personal & other lending4 Business & corporate lending4 HQLA Net other assets5 Customer deposits Wholesale funding Equity EU banks as at 30 June 2025 CBA as at 30 June 2026
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102 3% 7% 24% 25% 41% Securitisation Structured MTN AT1/T2 Covered bonds Senior bonds 32% 31% 32% 32% 68% 69% 68% 68% Dec 24 Jun 25 Dec 25 Jun 26 Short-term funding Long-term funding 0% 20% 40% 60% 80% 100% Dec 24 Jun 25 Dec 25 Jun 26 AUD USD EUR Other 12% 34% 54% MTN Commercial paper Certificates of deposit Long-term funding by product3 Short-term funding by product1,3 Wholesale funding Wholesale funding diversified across differing products, currencies and tenor 1. Excludes short-term collateral deposits. 2. Represents the carrying value of long-term funding inclusive of hedges. 3. As at 30 June 2026. 4. Includes debt issues under the US commercial paper programme and the joint Euro Commercial Paper and Certificates of Deposit Programme. 5. Additional Tier 1 and Tier 2 Capital. Long-term funding by currency Portfolio mix 5 2 1 4
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103 0.6 0.6 0.9 0.3 (1.7) (2.3) 117 115 Wholesale fundingOther Customer deposits Cash, Gov, Semis Net cash outflows Liquid assets Liquids & other assets Capital Wholesale funding & other Required Stable Funding Available Stable Funding Funding and liquidity metrics 1 Funding and liquidity metrics remain well above regulatory minimums 1. All figures shown on a Level 2 basis. 2. Quarterly average. 3. Calculation reflects movements in both the numerator and denominator. 4. Liquid assets include high quality liquid assets as defined by APRA in Australian Prudential Standard APS210 Liquidity. Refer to glossary for definition. NSFR Jun 26 LCR2 Jun 26 NSFR (%) NSFR requirements specify banks must maintain a sufficient profile of stable funding to meet their assets and off-balance sheet activities LCR (%)2,3,4 $bn 115% 997866 Retail/SME deposits Residential Mortgages 132% 191 144 $bn 1.8 2.6 1.4 (5.6) 132 132 Other loans LCR requirements specify banks must hold sufficient liquidity (HQLA) to meet the projected outflows over a 30 day period during a stress scenario Residential mortgages Dec 25 Jun 26Capital Retail/ SME deposits Wholesale funding and other Other loans Other assets and liquids Dec 25 Jun 26Liquid assets Customer deposits Wholesale funding Other net cash outflows
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104 Capital overview Strong capital position maintained International CET1 ratios (%)2 1. Cash NPAT inclusive of discontinued operations. 2. Source: Morgan Stanley and CBA. CBA as at 30 June 2026. Peers based on last reported CET1 ratios up to 4 August 2026. Peer group comprises: (i) Domestic peers: disclosed March 2026 International CET1 ratios based on Australian Banking Association publication ‘Basel 3.1 Capital Comparison Study’ (March 2023); and (ii) listed commercial banks with total assets in excess of A$1,400 billion which have disclosed fully implemented Basel III ratios or provided sufficient disclosure for a Morgan Stanley estimate. 3. Deduction for accrued expected future dividends and share buy-backs added back for comparability. CET1 Payout ratio (Cash NPAT basis)1 12.0% Jun 26 12.1% Jun 26 18.3% Jun 26 Level 1Level 2 APRA International Dividend per share (cents)CET1 2007 2013 2019 20252007 FY26 CET1 +597% Assets +230% Level 2 350 385 450 465 485 505 71% 68% 75% 79% 79% 77% 50%60%70%80%90%100%110%120%130% FY21 FY22 FY23 FY24 FY25 FY26 G-SIBs in dark grey 19.4 18.4 18.3 17.3 17.1 15.5 15.4 14.7 14.6 14.5 14.5 14.4 14.3 14.3 14.3 14.2 14.1 14.1 14.0 13.9 13.7 13.5 13.5 13.3 13.3 13.0 12.8 12.2 11.7 11.3 11.2 11.1 10.9 10.9 10.8 10.3 Sumitomo Mitsui Bank of Comm. Agric. Bank of China Toronto Dominion Mizuho Mitsubishi UFJ Bank of China Bank of America WBC UBS 3 Lloyds 3 ING 3 CBA ANZ NAB NatWest Group 3 Deutsche 3 HSBC 3 ICBC Citi JP Morgan Intesa Sanpaolo 3 SocGen 3 BNP Paribas 3 Barclays 3 RBC Scotiabank UniCredit 3 Santander 3 BBVA 3 China Construct. Bank China Merchants Bank Bank of Montreal Standard Chartered 3 Wells Fargo Credit Agricole SA 3
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105 12.0% 12.0% 6.3% 18.3% Jun 26 APRA Jun 26 Int'l International adjustments1 CET1 – International APRA’s capital framework is more conservative than Basel framework 1. Methodology based on the Australian Banking Association publication ‘Basel 3.1 Capital Comparison Study’ (March 2023), which compares APRA’s capital framework, including RBNZ prudential requirements, with the finalised post-crisis Basel III reforms. 2. Except in respect of the overall scaling factor and Standardised floor, where APRA’s rules must be applied. CET1 Level 2 International adjustments1 1.4% Definition of capital Risk weighting equity investments, deferred tax assets, capitalised expenses which are fully deducted from CET1 under APRA rules 1.3% IRRBB RWA Removal of IRRBB RWA from APRA’s minimum Pillar 1 capital requirements 1.5% Residential mortgages Removal of APRA’s risk weight floors and multipliers (e.g. 1.4 owner-occupier, 1.7 interest-only) 1.1% IRB scalar Removal of APRA’s scaling factor of 1.1 for all internal ratings-based (IRB) asset classes 0.5% RBNZ rules APRA requires application of RBNZ capital rules for credit exposures in NZ including banking subsidiaries2. There are a number of differences between RBNZ and Basel including mortgages, specialised lending and farm lending 0.4% Income producing real estate multiplier (IPRE) Removal of APRA’s multiplier of 1.5 for IPRE exposure 0.1% Non-retail LGD APRA rules are more conservative for certain exposure types under the Foundation and Advanced IRB approaches 6.3%
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106 106(76) (46) (8)12.3% 12.0% Dec 25 Level 2 1H26 dividend (DRP neutralised) Cash NPAT RWA Other Jun 26 Level 2 3 2 5 Credit Risk4 (38) IRRBB (16) Market Risk 8 Operational Risk - Capital – summary Strong capital position maintained 1. Due to rounding, numbers presented in this section may not sum precisely to the totals provided. All figures shown on a Level 2 basis unless otherwise stated. 2. The 2026 interim dividend included the on-market purchase of $530 million of shares (CET1 impact of -10bpts) in respect of the Dividend Reinvestment Plan. 3. Excludes net equity accounted profits/losses and impairments from associates as they are capital neutral with offsetting changes in regulatory capital deductions. 4. Excludes impact of foreign exchange movements on Credit RWA, which is included in ‘Other’. 5. Includes the impact of intangibles, FX impact on Credit RWA, equity accounted profits/losses and impairments from associates, movements in reserves and other regulatory adjustments. Key capital ratios (%)1 Jun 25 Dec 25 Jun 26 CET1 capital ratio 12.3 12.3 12.0 Additional Tier 1 capital 1.6 1.5 1.5 Tier 1 capital ratio 13.9 13.8 13.5 Tier 2 capital 7.0 6.8 7.3 Total capital ratio 20.9 20.6 20.8 Risk weighted assets ($bn) 496 505 522 Leverage ratio 4.7 4.7 4.6 Level 1 CET1 ratio 12.4 12.2 12.1 International ratios Leverage ratio 5.2 5.1 5.1 CET1 capital ratio 18.7 18.3 18.3 CET1 capital ratio movements1 • Level 2 CET1 capital ratio of 12.0% • 1H26 interim dividend – DRP neutralised • Strong capital position supporting franchise growth and dividends bpts
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107 409 423 51 51 35 4210 713.6 6.5(3.0)505 522 Dec 25 Credit Risk Traded Market Risk IRRBB Jun 26 409 42317.8 1.0(2.1) (2.9) (0.3) Dec 25 Volume Quality FX Data & methodology Derivatives & other Jun 26 44 42 40 35 42 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26 12.3% 12.0% 106(76) (46) (8) Dec 25 Level 2 1H26 Dividend (DRP neutralised) Cash NPAT RWA Other Jun 26 Level 2 Interest Rate Risk in the Banking Book (IRRBB) $bn RWA drivers 1 Higher Credit and IRRBB RWA, partly offset by lower Traded Market Risk RWA Credit Risk Op Risk IRRBB Market Risk Repricing & yield curve risk Basis risk Optionality risk Embedded loss/gain (gain is offset to capital) APRA requires ADIs to hold capital for the risk of loss due to adverse movements in interest rates, including those from liquidity and capital management activities CET1 (Level 2) bpts Total Risk Weighted Assets (RWA) $bn Credit RWA $bn 6 2 3 Credit Risk4 (38) IRRBB (16) Market Risk 8 Operational Risk - 7 8 *Slide 107 1. Due to rounding, numbers presented in this section may not sum precisely to the totals provided. 2. The 2026 interim dividend included the on-market purchase of $530 million of shares (CET1 impact of -10bpts) in respect of the Dividend Reinvestment Plan. 3. Excludes net equity accounted profits/losses and impairments from associates as they are capital neutral with offsetting changes in regulatory capital deductions. 4. Excludes impact of foreign exchange movements on Credit RWA, which is included in ‘Other’. 5. Includes the impact of intangibles, FX impact on Credit RWA, equity accounted profits/losses and impairments from associates, movements in reserves and other regulatory adjustments. 6. Credit quality includes portfolio mix. 7. Includes data and methodology, credit risk estimates changes and regulatory treatments. 8. Includes credit valuation adjustment, securitisation, standardised portfolios and settlement risk RWA. 9. Basis points impact on CET1 ratio. 1, 2, 3, 4, 5, 6, 7, 8, 9. Refer to sources, glossary and notes at the back of this presentation for further details. bpts9 127 115 107 92 104 Revised APS 117 framework Embedded loss/gain (EGL, gain is offset to capital) Prospective IRRBB Capital Charge Prospective IRRBB capital charge Embedded loss/gain (gain is offset to capital) 5
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108 40 30 35 42 3.2 3.5 4.1 4.4 (10.00) (8.00) (6.00) (4.00) (2.00) - 2.00 4.00 Jun 25 1 Oct 25 Dec 25 Jun 26 Interest Rate Risk in the Banking Book (IRRBB) 2,3 4 5 Interest Rate Risk in the Banking Book (IRRBB) 3 year AUD swap rates (spot, %) Component1 Key drivers Key sensitivities that increase IRRBB RWA Prospective IRRBB Capital Charge • Interest rate risk: Absorb future valuation differences, predominantly from holding investment term of equity2 >1 year • Higher swap rates • Higher hedge balance or longer hedge duration • Credit spread risk: Absorb future revaluation risk on high quality government bond holdings3 • Larger semi-government bond holdings or longer duration Embedded loss/ gain (gain is offset to capital) • Mainly reflects current valuation difference in Group’s 3-year investment term of equity2 vs “capital free” 1-year term • Higher swap rates 1. Comprises of prospective IRRBB capital charge and other components under the revised APS 117 framework. Jun 25 was based on the APS117 framework in effect prior to 1 October 2025, comprising of repricing & yield curve risk, basis risk and optionality risk. 2. The Group’s equity is invested over a three year term to mitigate volatility of earnings and capital through a rate and credit cycle. 3. As credit spreads widen, mark to market losses on bond portfolios are recognised within Investment Securities Revaluation Reserve, depleting capital. Conservative interest rate hedge settings calibrated to reduce earnings volatility through a rate cycle Key Sensitivities: Swap rates: +/- 10bpts = +/- $1bn IRRBB RWA Investment term of equity: +/- 2 years = +/- $7bn IRRBB RWA Embedded loss/gain (EGL, gain is offset to capital) Revised APS 117 framework Prospective IRRBB Capital Charge1 $bn
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109 ~$12 billion of capital buffers to fund growth and absorb losses 69% 79% 17% 14%14% 7% Peer avg CBA Deposit and equity hedge6 AUD Balance sheet settings underpin long - term franchise value Balance sheet and earnings resilience to absorb unexpected losses and support sustainable growth $183 billion of structural hedges to protect earnings from downside shocks Predominantly deposit funded, low mix of short-term funding Capital buffers1 $bn 1, 2, 3, 4, 5, 6, 7, 8, 9. Refer to sources, glossary and notes at the back of this presentation for further details. Capital buffers *Slide 109 1. Includes CET1 capital buffer to regulatory minimum (10.25%), total provisions above central scenario ECL, Investment Securities Revaluation (ISR) Reserve and IRRBB Embedded Gains and Losses converted into capital using the Group’s Level 2 CET1 ratio. 2. Central scenario is based on the Group’s internal economic forecasts and market consensus as well as other assumptions used in business planning and forecasting. 3. Assuming 100% weighting holding all assumptions including forward-looking adjustments constant and includes individually assessed provisions. 4. This represents pre-tax changes in the value of government and semi-government bonds recognised within the ISR Reserve. 5. The Group’s equity is invested over a three-year term to mitigate volatility of earnings and capital through a rate and credit cycle. Valuation differences cannot be utilised to support growth or shareholder returns. Unwind is slowed in high-rate environment and accelerated in low-rate environment. 6. Represents FY26 average balance of domestic equity hedge and deposit hedge. 7. CBA as at 30 June 2026. Peers based on regulatory disclosures as at 31 March 2026. 8. Includes other short-term liabilities. 9. Represents long-term wholesale funding as a percentage of total funding which includes RBNZ term lending facilities drawdowns where applicable. Earnings hedges Funding mix Funding composition7 % of total funding 9.2 2.7 - (0.1) 11.8 Jun 26 CET1 regulatory surplus Provisions above Central Scenario Unrealised MTM on HQLA IRRBB embedded gains Jun 26 aggregate buffers 4 5 2,3 FY26 Deposit hedge $54bn $129bn 3yr inv. term 5yr inv. term Equity hedge $183bn Deposits $1,245bnShort-term wholesale8 Long-term wholesale9 Composition of aggregate capital buffers will change as market conditions evolve – cannot simply “set and forget” CET1 targets Funding settings expected to remain broadly stable APS 117 requires trade-offs be made between earnings and capital volatility Future considerations
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110 465 485 505 79% 79% 77% 0% 20% 40% 60% 80% 100% 120% 140% FY24 FY25 FY26 +20c +20c Reinvested in the Group 1.3 1.7 1.8 3.4 1.5 3.0 1.5 3.1 FY00 FY01 FY02 FY03 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 Jun 26 Dividends Dividends (cents) Capital generation Retaining flexibility under an uncertain outlook Disciplined share count management to support EPS Sustainable franked dividends Invest behind our strategic priorities Reinvest organic capital in accretive growth RetainedDistributed to shareholders Surplus retained CET1, Level 2 (%) Capital return Number of shares (bn) Franchise investment Gross investment spend Franchise growth Credit RWA volume growth1 Business Retail Long - term approach to capital management Disciplined and balanced approach to optimise growth, reinvestment, shareholder returns and flexibility 1. Represents volume growth, excludes movements relating to credit quality, FX, data and methodology, and derivatives and other. 2. Cash NPAT inclusive of discontinued operations. 3. CBA and peers shares on issue as at 30 June 2026. 4. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. FY24 FY25 FY26 $2.4bn 10.6 12.3 Jun 16 Jun 25 Jun 26 APRA minimum 10.25%4 $2.3bn 2 $29bn $16bn $xxbn 12.0 $2.0bn Capital flexibility CBA long-term targets $8bn $12bn $13bn $11bn $17bn $22bn FY21-24 Avg FY25 FY26 Business Retail $29bn $19bn $35bn Represents the average of the full year periods between FY20 to FY24. Cash NPAT2 payout ratio FY00 Jun 263 Peers CBA
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111 Capital floor 1 Total RWA 74.1% of Standardised RWAs – headroom of ~$12bn against capital floor requirements 1. CBA as at 30 June 2026. Peers as at 31 March 2026. 2. Due to rounding, numbers presented in this section may not sum precisely to the totals provided. RWA headroom / (shortfall) to capital floor2 $bn Capital floor • Capital floor requirements were introduced under APRA’s revised prudential standards effective 1 Jan 2023 to limit the RWA benefit of internal models • Total RWA of IRB banks, which include the Australian major banks, are required to be at least 72.5% of RWA required under the standardised risk approach • CBA remains well placed against the standardised capital floor requirements with Total RWA under Advanced approach representing 74.1% of Standardised RWA • This represents ~$12bn in RWA headroom against the Standardised capital floor requirements Headroom (Shortfall) (3) 1 2 12 $bn unless otherwise stated Peer 1 Mar 26 Peer 2 Mar 26 Peer 3 Mar 26 CBA Jun 26 Standardised RWA 640 620 630 705 Standardised RWA floor at 72.5% 464 449 457 511 Advanced RWA 461 450 458 522 Headroom / (shortfall) (3) 1 2 12 Advanced RWA/ Standardised RWA 72.1% 72.6% 72.8% 74.1%
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112 Additional Tier 1 Capital APRA finalised consequential amendments to phase out AT1 Capital effective 1 Jan 2027 1. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. 2. As at 30 June 2026, CBA had $7.9 billion in AT1 outstanding. • On 4 Dec 2025, APRA finalised the consequential amendments to bank prudential framework to phase out Additional Tier 1 Capital (AT1) instruments • For IRB banks such as CBA, the existing 1.5% of AT1 requirement will be replaced with: – 0.25% of CET1, increasing the minimum CET1 requirement to 10.5%; and – 1.25% of Tier 2, increasing the implied Tier 2 requirement (including LAC) to 7.75% • Total Capital requirement remains unchanged • Revised capital requirement will come into effect from 1 Jan 2027, with outstanding AT1 instruments from this date included as Tier 2 until their first scheduled call date2. During the transition period, the legal terms of AT1 instruments will remain in effect, with AT1 Capital absorbing losses ahead of Tier 2 in a resolution event • From 1 Jan 2027, the leverage ratio and limits on large and related-party exposures will be measured on a CET1 Capital basis. For IRB banks, the minimum leverage ratio requirement will decrease from 3.5% to 3.25% 4.50% 6.00% 3.75% 2.50% 1.00% 1.00%1.00% 1.00% 1.50% 2.00% 3.25% 4.50% 4.50% APRA Requirements Effective 1 Jan 2027 18.25% Effective 1 Jan 2026 18.25% D-SIB Capital conservation buffer CCyB1 Minimum prudential capital requirement AT1 Tier 2 LAC 10.25% APRA CET1 minimum 10.50% APRA CET1 minimum ChangesTotal Capital No change CET1: +0.25%
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113 12.0% 10.25% 10.50% 1.5% 1.50% 7.3% 2.00% 3.25% 20.8% 4.50% 4.50% 18.25% 18.25% CBA 30 Jun 2026 APRA requirement 1 Jan 2026 APRA requirement 1 Jan 2027 3.4 3.2 3.7 3.3 22.7 2.8 1.8 1.8 1.6 - FY27 FY28 FY29 FY30 FY31+ $bn 30 Jun 2026 1 Jan 2027 Req. of 7.75% Risk Weighted Assets at 30 June 2026 522 522 Tier 2 requirement 34.0 40.5 Existing Tier 2 net of maturities3 38.2 36.5 Existing Additional Tier 1 net of maturities3 7.9 6.7 Excess / (shortfall) (excluding Tier 1 capital excess)3 4.2 2.7 Total Capital Well placed to meet APRA revised capital framework effective 1 Jan 2027 1. Under APRA’s LAC requirements, the minimum Total Capital ratio requirement for D-SIBs has increased from 16.75% to 18.25% effective 1 Jan 2026. 2. Under the revised capital framework effective 1 January 2027, large internationally active banks such as CBA will be able to replace the current 1.5% of AT1 Capital with 0.25% of CET1 Capital and 1.25% of Tier 2 Capital, with the Total Capital requirement remaining unchanged. 3. Tier 2 and AT1 balance as at 30 June 2026, net of maturities and capital amortisation. The excess/(shortfall) under the 1 Jan 2027 framework reflects existing AT1 instruments which will be included as Tier 2. 4. Represents AUD equivalent notional amount using spot FX translation at date of issue for issuance and spot FX translation at 30 Jun 2026 for maturities. 5. Securities in callable format profiled to first call date. Securities in bullet format profiled based on capital treatment (including amortisation period). 6. Due to rounding, numbers presented may not sum precisely to the total provided. • Total Capital ratio of 20.8% as at 30 Jun 26, $13.5bn above 1 Jan 27 requirement of 18.25%. • As at 30 Jun 26, Tier 2 was 7.3%. CBA is well positioned to meet APRA requirements under the revised capital framework effective 1 Jan 27, including existing AT1 instruments which will be included in Total Capital. • Strong Tier 2 credit rating of A-/A2/A per S&P / Moody’s / Fitch at 30 Jun 26. CET1 Tier 2 AT1 CET1 1 Tier 2 LAC LAC AT1 2 CET1 Tier 2 Tier 2 profileAT1 and T2 capital maturity profile4,5,6 AT1 T2 Bullet 37% Callable 63% Domestic 40% Offshore 60%
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114 9.18 41.94 3.965.49 21.72 7.46 18.32 17.73 Disciplined approach, supporting sustainable returns Our long - term approach supports strong, sustainable shareholder returns 1, 2, 3, 4, 5. Refer to sources, glossary and notes at the back of this presentation for further details. ROE vs dividend payout ratio (average last 2 years) Total shareholder return (%)5 CBA Peer Average Net tangible assets per share ($) CBA Peers Adoption of AIFRS accounting standards FY264FY00 CBA Peers Dividend per share ($) FY00 FY263 Jun 262000 2,303% 1,105% 1.30 5.05 0.54 1.53 0.64 1.66 1.23 1.70 Payout ratio1 CBA Peers Capital raisings for strengthening during GFC Increase due to acquisitions Jun 262FY00 Number of shares (m)1 ROE1,2 Barclays Wells Fargo JPM WBC (incl. franking) NAB (incl. franking) CBA (incl. franking) Citi BoA GS HSBC MS CIBC NatWest RBC Lloyds TD Bank ANZ (incl. franking)
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115 Capital – divestments/buy - backs Announced divestments program – $9.3bn returned to shareholders 1. Represents partial divestments. CBA’s retained shareholdings are 4.6% of Klarna (17,407,235 ordinary shares remaining), 45.0% of CFS and 41.6% of Lendi (merged with AHL). 2. CBA sold 1,644,844 ordinary shares in Klarna at IPO on 11 September 2025 and sold an additional 289,293 ordinary shares as part of an underwriters’ option on 22 September 2025. 3. CBA completed the sale of a 10% shareholding in HZB in 2022 and completed the sale of the remaining shareholding in June 2025. 4. During FY25, CBA sold its shareholding in VIB on-market. Completed Completed Associated buy-back Klarna1,2 Sep 25 Completed: $3.3bn on-market buy-back and $6bn off-market buy- back. Bank of Hangzhou (HZB)3 Jun 25 Commonwealth Private Advice Jun 25 Vietnam International Commercial Joint Stock Bank (VIB)4 Mar 25 PT Bank Commonwealth May 24 General Insurance Sep 22 Bank of Hangzhou (HZB)1,3 Jun 22 Colonial First State (CFS)1 Dec 21 Aussie Home Loans (AHL)1 May 21 AUSIEX May 21 CommInsure Life Apr 21 BoCommLife Dec 20 PT Commonwealth Life Jun 20 Financial Wisdom Jun 20 CFP Pathways Mar 20 Count Financial Oct 19 CFSGAM Aug 19 TymeDigital Nov 18 Sovereign Jul 18 ~$13bn $6bn $3.3bn Divestments Buy-backs Off-market (completed) On-market (completed) $9.3bn CET1Divestments
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116 12.2% 12.1% 12.0% 106 4(82) (47) Dec 25 Level 1 1H26 Dividend (DRP neutralised) NPAT RWA Other Jun 26 Level 1 Jun 26 Level 22 CET1 – Level 1 Strong CET1 Level 1 of 12.1% – well above minimum regulatory requirement 1. Due to rounding, numbers presented may not sum precisely to the total provided. 2. Includes the on-market purchase of shares in respect of the DRP. 3. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. CET1 (Level 1)1 bpts 4.50% 3.75% 1.00% 1.00% APRA minimum 10.25% D-SIB Capital conservation buffer CCyB3 Minimum prudential capital requirement v L1 vs L2: +10bpts RWA of L2 banking subsidiaries +140bpts Higher reserves and retained earnings at L2 (100bpts) Elim. of investments in reg. subsidiaries at L2 (50bpts) Goodwill & intangibles +20bpts
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117 Capital – regulatory changes A number of regulatory changes in progress Change Implementation Details Enhancements to ADI capital and liquidity frameworks Across 2026 and 2027 • APRA has outlined three workstreams covering credit risk capital, liquidity risk and market risk. The first consultation, released on 29 Jun 2026, proposes more risk-sensitive treatment to the standardised risk weighted assets in respect of selected infrastructure, high- quality unrated corporate and residential property development exposures. These changes are expected to be finalised in the second half of 2026 for proposed commencement on 1 Apr 2027. Liquidity and market risk consultations are expected over the next 12 months, including potential Pillar 2 liquidity requirements and simplified Fundamental Review of the Trading Book implementation. Additional Tier 1 Capital 1 Jan 2027 • APRA finalised consequential amendments to phase out AT1 from eligible bank capital. For large internationally active banks such as CBA, the existing 1.5% AT1 requirement will be replaced with 0.25% CET1 and 1.25% Tier 2. This increases minimum CET1 to 10.5% and implied Tier 2 requirements, including LAC, to 7.75%, while Total Capital remains unchanged at 18.25%. The leverage ratio and limits on large and related-party exposures will be measured on a CET1 Capital basis, with the minimum leverage ratio requirement reducing from 3.5% to 3.25%. Reserve Bank of New Zealand (RBNZ) 2025 Capital Review Targeted Banking Prudential Requirements changes from 1 Oct 2026; DTA Capital Standard from 1 Dec 2028 • RBNZ announced final 2025 Capital Review settings for New Zealand deposit takers on 17 Dec 2025. For Group 1 deposit takers such as ASB, the changes include lower CET1 requirements, removal of AT1 Capital instruments, a 6% internal LAC requirement (which may be met with Tier 2) and more granular standardised risk weights. The capital requirement on a fully phased-in basis is 12% for CET1 and 21% for Total Capital. Tier 2 and LAC instruments are expected to be issued internally to Australian parent banks, including CBA. • Under the targeted Banking Prudential Requirements effective from 1 Oct 2026, prior to the DTA Capital Standard coming into effect, Group 1 deposit takers will be allowed to issue Tier 2 instruments with a shorter maturity date and receive full Tier 2 capital recognition up until 1 Dec 2029.
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118 Regulatory expected loss 1 For non - defaulted exposures, eligible provisions in excess of regulatory expected losses added back to Tier 2 Capital 1. Represents the shortfall between the calculated Regulatory EL and Eligible Provisions (EP) with respect to credit portfolios which are subject to the AIRB approach. The adjustment is assessed separately for both defaulted and non-defaulted exposures. Where there is an excess of EL over EP in either assessments, the difference must be deducted from CET1. For non-defaulted exposures where the EL is lower than the EP, this may be included in Tier 2 Capital up to a maximum of 0.6% of total Credit RWA. 2. Defaulted provisions comprises of specific provisions, including accounting collective provisions relating to defaulted exposures, and partial write-offs. Jun 25 Dec 25 Jun 26 $m Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Regulatory expected loss (EL) 1,618 2,666 1,604 2,644 1,567 2,720 Eligible provisions (EP) Collective and specific provisions2 1,835 4,860 1,798 4,873 1,766 4,987 Less: ineligible provisions (standardised portfolio) (68) (79) (128) (84) (122) (70) Total eligible provisions 1,767 4,781 1,670 4,789 1,644 4,917 Shortfall / (excess) of regulatory EL to EP (149) (2,115) (66) (2,145) (77) (2,197) Common Equity Tier 1 deduction - - - - - - Tier 2 Capital add-back N/A N/A N/A X,xx97x2,115 2,145 2,197
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Economic overview
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120 5.6 5.6 6.9 8.5 5.0 – 7.0 2023 2024 2025 2026 2027 Key Australian economic indicators 1 (June FY) 6.0 3.8 2.1 3.9 2.9 2023 2024 2025 2026 2027 4.6 4.7 5.9 7.5 4.0- 6.0 2023 2024 2025 2026 2027 8.3 7.7 9.0 10.8 6.5- 8.5 2023 2024 2025 2026 2027 4.10 4.35 4.35 4.35 3.85 3.60 4.35 4.35 4.10 Jun 23 Dec 23 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26 Dec 26 Jun 27 10.1 4.1 3.6 5.7 4.8 2023 2024 2025 2026 2027 3.6 1.4 1.3 2.2 1.7 2023 2024 2025 2026 2027 1. Source: ABS, RBA and CBA Global Economic and Markets. GDP % Financial year average Unemployment rate % June quarter average Cash rate % Headline CPI % Year on year, June quarter Selected credit growth % 12 months to June Forecast, CBA Global Economic & Markets Actual Housing credit GDP Nominal GDP Business credit Total credit growth % 12 months to June 3.6 4.0 4.2 4.4 4.7 2023 2024 2025 2026 2027
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121 -10 0 10 20 -3 0 3 6 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Annual growth (rhs)Monthly change (lhs) As inflation is too high2 Annual growth in inflation 0 1 2 3 4 5 Jun 14 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Cash rate RBA has been lifting the cash rate1 RBA cash rate Oil prices elevated due to Middle East conflict3 Brent crude oil spot 1. Source: RBA. 2. Source: ABS. 3. Source: Bloomberg Finance L.P. 4. Source: CBA. Goods only. Fuel spending made up two-thirds of total spending in the category in 2025. 5. Source: Cotality. 6. Source: ABS, CBA. The Australian economy Higher interest rates and a softening housing market to slow Australian economy % % % Transport spending back to 2025 levels4 CBA transport card spend share of total spend $US/b 0 50 100 150 200 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 6 7 8 9 Jan Mar Jun Sep Dec 2025 2026 All expected to contribute to slowing in growth6 Annual growth in GDP Housing market is slowing5 Monthly growth in dwelling prices % % -10 -5 0 5 10 15 Jun 10 Jun 12 Jun 14 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Annual change CBA forecast -1 1 3 5 7 9 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Headline CPI Trimmed Mean CPI % 2-3% target range
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122 The Australian economy Household spending is under pressure as real income growth softens – public sector to support growth 0 3 6 9 12 15 Jun 12 Jun 14 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Other Rail Roads Buildings -8 -3 2 7 12 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Public Private GDP 105 110 115 120 125 130 135 140 Jun 06 Jun 11 Jun 16 Jun 21 Jun 26 Net of offset accounts balances* * Data prior to 2019 merged by CBA Total -5 0 5 10 15 20 25 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 Owner outright Renter Owner with a mortgage 0 5 10 15 20 25 Jun 14 Jun 17 Jun 20 Jun 23 Jun 26 Savings rate -20 -10 0 10 20 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Real household disposable income Real household consumption Consumption to follow lower income trend1 Real annual growth in household income & consumption Public capex1 Public construction pipeline as a share of GDP Public sector still supporting growth, but less so1 Annual % change And household debt levels are rising3 Household credit to household disposable income But renters and mortgagees are hurting2 Per capita household consumption (annual growth smoothed) Savings buffers provide some cushion1 Household saving rate 1. Source: ABS. 2. CBA Household Spending Insights. 3. Source: ABS, RBA, APRA and CBA. % % % % % % Mar 26
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123 2.0 3.0 4.0 5.0 6.0 7.0 8.0 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Unemployment rate 0 1 2 3 4 Jun 14 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 ABS Wage Price Index CBA Wage Insights -8 -3 2 7 12 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Non-market Market GDP 0 10,000 20,000 30,000 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 Accredited Committed Probable 0 2 4 6 8 Jun 10 Jun 14 Jun 18 Jun 22 Jun 26 Buildings & Structures Equipment, Plant & Machinery Non-market sector growth is likely to normalise2 GDP and Employment, annual change Largely driven by data centres2 Info, media and telecom real quarterly capex Wages growth remains steady at above 3%1 Annual wages growth by CBA and ABS Labour market is tight but gradually loosening2 Unemployment rate Renewables another tailwind in coming years3,4 Renewable energy project pipeline Investment pipeline continues to rise1 Capital investment intentions 1. Source: ABS and CBA. 2. Source: ABS. 3. Source: Clean Energy Regulator (CER). 4. Probable projects have announced financing or offtake support, such as a power purchase agreement or Capacity Investment Scheme tender success. Committed projects have reached final investment decision or begun construction. Accredited projects are approved under the Large-scale Renewable Energy Target and have started generating electricity. The Australian economy Large investment pipeline should limit the slowdown but labour market still softening % megawatt$bn $bn %% 0 60 120 180 240 Jun 03 Jun 07 Jun 11 Jun 15 Jun 19 Jun 23 Jun 27 Non-mining Implied Intentions Mining
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124 -30 -20 -10 0 10 20 30 Jun 12 Jun 14 Jun 16 Jun 18 Jun 20 Jun 22 Jun 24 Jun 26 Billions AUD/USD Index 50 60 70 80 90 0.5 0.7 0.9 1.1 1.3 Jun 10 Jun 14 Jun 18 Jun 22 Jun 26 Trade Weighted Index (RHS) AUD/USD (LHS) 0 200 400 600 800 1000 2021 2022 2023 2024 2025 2026 2027 2028 0.00 0.25 0.50 0.75 1.00 Aust. NZ Can. US EZ UK China JapanAustralia Canada China France Germany Japan New Zealand United Kingdom US 0% 50% 100% 150% 200% 250% 0% 50% 100% 150% 200% Share of exports (%) Share of imports (%) -5 0 5 10 Jun 00 Jun 04 Jun 08 Jun 12 Jun 16 Jun 20 Jun 24 Jun 28 World growth CBA forecast Australian dollar has been well supported6 Trade Weighted Index and AUD/USD AI investment continues to accelerate4 Hyperscaler capex Key beneficiaries from US AI investment3 Participation in US AI capex supply chain, % of GDP But Australia highly exposed to trade chokepoints2 Country transiting through chokepoints, 2022 Global growth has been resilient1 Annual growth in global economy Australia has returned to a current account deficit5 Current account balance, AUD 1. Source: CBA and IMF. 2. Source: Verschuur, Lumma & Hall, CBA. Note: more than 100% given exports can transit through multiple chokepoints. 3. Source: CBA and Asian Development Bank (ADB). 4. Source: Bloomberg Finance L.P., CBA. Hyperscalers are Oracle, META, Google, Amazon and Microsoft. 5. Source: ABS. 6. Source: Bloomberg Finance L.P. and RBA. Global backdrop and impact on Australian economy Global uncertainty remains elevated in this new economic era but AI is a positive $bn % $USbn %
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125 40 50 60 70 Jan May Aug Dec 2025 2026 2024 5% 10% 15% 20% 25% 30% Jun 94 Jun 02 Jun 10 Jun 18 Jun 26 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 Jun 11 Jun 16 Jun 21 Jun 26 Dwelling stock Population 125 175 225 275 Jun 11 Jun 16 Jun 21 Jun 26 Approvals Completions -2 2 6 10 14 18 22 Jun 19 Jun 20 Jun 21 Jun 22 Jun 23 Jun 24 Jun 25 Jun 26 Advertised rents New dwelling construction costs Housing affordability remains challenging3 Percent of pre-tax income directed to mortgages But demand still outstripping supply2 Annual growth in dwelling stock and population Approvals exceeding completions2 Annual total of housing approvals and completions Construction cost pressure rising after Iran war2 Annual growth in new dwelling construction costs and rents Auction clearance rates are dropping sharply1 Auction clearance rates weighted average of capital cities National home price growth has turned negative1 Quarterly growth in dwelling prices 1. Source: Cotality. 2. Source. ABS. 3. Source: RBA, ABS, APRA and CBA. Dual average full-time income household buying median priced dwelling. Housing sector Housing market is softening following higher interest rates, weaker sentiment and tax policy changes % %% %000s % 0 (0) 5 6 3 3 4 2 (3) (3) 1 1 1 3 2 (1) (4.0) 1.0 6.0 NSW VIC QLD WA SA NT TAS AUS Mar 26 Jun 26 National home price growth has turned negative1 Quarterly growth in dwelling prices % % National home price growth has turned negative1 6-month growth in dwelling prices
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126 1. Source: Cotality. 2. Includes corrections over the last 40 years where home values declined for at least three consecutive months. 3. Cotality Home Value Index, combined capital cities. 4. Includes 1989-91, 1994-95, 2004, 2008-09, 2010-12, 2015-16 and 2017-19. 5. Cotality Home Value Index, national. 6. Source: Cotality, ABS, RBA. 7. Source: Cotality, Productivity Commission. Cumulative change from 1994-95 to 2022-23. Australian housing market corrections1,2 Housing market Current context relative to previous housing market corrections Historic declines from peaks to troughs, Median dwelling price3, % 0 2 4 6 8 10 12 14 16 18 20 22 24 -9% -8% -7% -6% -5% -4% -3% -2% -1% 0% (0.6%) (2.8%) (2.3%) (8.1%) Months since peak 2026- 2024-25 2022-23 2020 Other periods of decline4 Building more homes, faster and at lower cost Keep near-term movements in perspective Housing represents 57%6 of household assets, so price movements matter. Lasting affordability, however, requires more homes and lower delivery costs. Lift construction productivity7 Over the past 30 years, physical dwelling-construction productivity fell 53% and construction labour productivity fell 12%, while whole- economy labour productivity increased 49%. Expand modern construction methods Modular and off-site construction can shorten delivery times, improve consistency and reduce pressure on scarce trades, supported by common standards and predictable approvals. Convert momentum into completed homes Approvals have recovered to around their decade average, with stronger commencement trends in Queensland, WA and South Australia1. Coordinated infrastructure, planning, skills and financing can help translate momentum into completed homes. CBA will continue supporting home buyers and financing new housing supply, while maintaining disciplined credit settings. Changes in national dwelling prices1 100 110 120 130 140 150 160 170 Jul 19 Jul 20 Jul 21 Jul 22 Jul 23 Jul 24 Jul 25 Jul 26 Median dwelling price5, Indexed to Jul 19 5% decrease 10% decrease Jan 25 Aug 25
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127 Household spend and savings are slowing 1. Per customer. For salary and wages 13 weeks to end of quarter, for spending 13 weeks to 28 Jun 2026, 4 Jan 2026 and 29 Jun 2025, for savings the average balance as at end of quarter. Consistently active card customers and CBA brand products only. 2. Paid into CBA transaction accounts, represents customers with payments identified as salary and wages after PAYG but before net tax return. Excludes government benefits and gig economy. 3. Spending based on consumer debit and credit card transactions data (excluding StepPay). 4. Includes all forms of deposit accounts (transaction, savings and term) and home loan offset and redraw balances. Trimmed mean excluding top and bottom 5% of customers within each age band. Salaries and wages1,2 Spending1,3 Savings1,4 Household spending 5 year change to 2026 (%) +23% +24% +15% Prices5 Spending (average CBA home loan customer)6,7 Spending (avg. CBA non-HL customer)6 3.4% 3.8% 3.6% 4.2% 4.5% 4.2% 3.0% 3.0% 3.7% 5.1% 5.0% 4.7% 4.8% 5.2% 6.4% 7.4% 7.6% 5.8% 55-64 20-24 45-54 25-34 35-44 65+ Age, years Essentials Discretionary 3.5% 3.2% 2.4% 2.4% 2.9% 2.7% 6.7% 6.6% 4.4% 4.1% 4.3% 4.2% 5.8% 4.4% 2.9% 2.6% 2.8% 2.6% 4.8% 2.6% 2.5% 2.4% 3.0% 1.8% 2.7% 2.1% 3.4% 4.3% 5.0% 4.6% 2.8% 2.6% 4.1% 4.4% 4.4% 2.9% 0.0% (0.9%) (0.0%) 1.4% 3.2% 7.0% 0.9% 1.0% 1.9% 3.2% 4.4% 7.3% 1.9% 0.8% 2.1% 3.3% 4.3% 7.6% Year on year change: Oct – Dec 25 Apr – Jun 26 Apr – Jun 25
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128 10.0 4.7 3.4 4.4 4.1 2023 2024 2025 2026 2027 3.1 2.2 1.1 4.7 2023 2024 2025 2026 2027 3.1 3.2 4.9 5.6 2023 2024 2025 2026 2027 Total credit growth % 12 months to June 6.0 3.3 2.7 4.1 2.5 2023 2024 2025 2026 2027 4.9 2023 2024 2025 2026 2027 1. Source: Statistics NZ, RBNZ and ASB Economics. Cash rate % GDP % Financial year average CPI % Year on year, June quarter Unemployment rate % June quarter average Selected credit growth % 12 months to June Forecast, ASB EconomicsActual Housing credit GDP Nominal GDP Business credit Key New Zealand economic indicators (June FY) 1 3.5 – 5.5 4.0- 6.0 3.5- 5.5 4.0 1.1 (1.1) 1.5 2.3 2023 2024 2025 2026 2027 3.7 4.7 5.2 5.6 5.0 2023 2024 2025 2026 2027 5.50 5.50 5.50 4.25 3.25 2.25 2.25 3.25 3.25 Jun 23 Dec 23 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26 Dec 26 Jun 27 3.23.0 2.7
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Sources, glossary & notes
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130 Sources and notes Slide 5 1. Variances to prior comparative period on a continuing operations basis. 2. Refer to glossary at the back of this presentation for further details. 3. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 4. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 5. CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). 6. Presented on a continuing operations basis. 7. Inclusive of 1% default countercyclical capital buffer which may be varied by APRA in the range of 0% to 3.5%. Slide 6 1. Source: APRA MADIS. 2. CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). 3. Source: APRA MADIS – Non-financial Business Deposits (including IB&M). 4. Rebased underlying FY25 NIM excludes 4 basis point mix impact from current period growth in average liquid assets and institutional repo balances, which have a broadly neutral impact on net interest income. FY25 headline NIM is 2.08%. 5. Peer average represents 5 year CAGR from FY20 to FY25. Slide 10 1. Refer to glossary at the back of this presentation for further details. 2. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. June 2026 vs June 2025. 3. The total number of customers that have logged into the CommBank app at least once in the month of June 2026 vs June 2025. 4. The total number of logins to the CommBank app in the month of June 2026 divided by the number of days in the month. 5. Proprietary home loan applications auto-decisioned using an automated credit rules engine in FY26. 6. ‘Days’ relates to business days. Application times relate to average time to first decision for applications not auto-decisioned for FY26 (proprietary and broker, simple and complex applications excluding home seeker). 7. Improvement in time to credit decisions for Corporate SME lending, three-month average to June 2026 vs benchmark in FY25. Measured from application start date to the credit decision date. 8. FY26 vs FY25. 9. Return on equity (ROE) on a cash (or cash equivalent) and continuing operations basis over average ordinary equity. Peer ROEs are for the 6 months to March 2026 and CBA ROE is for the full year to June 2026. 10. Excludes Bankwest and Residential Mortgage Group. 11. As at 30 June 2026. 12. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashback, discounts and prize draws to retail customers from November 2023 to June 2026. 13. For eligible business customers.
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131 Sources and notes Slide 11 1. Progressive rollout to select retail customers in FY26. 2. Refer to glossary at the back of this presentation for further details. 3. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 4. Source: APRA MADIS. 5. The total number of logins to the CommBank app in the month of June 2026 divided by the number of days in the month. 6. ‘Days’ relates to business days. Application times relate to average time to first decision for applications not auto-decisioned for FY26 (simple and complex applications excluding home seeker). 7. Proprietary home loan applications auto-decisioned using an automated credit rules engine in FY26. 8. Retail Banking Services contribution to FY26 Group cash NPAT (from continuing operations). Slide 12 1. Progressive rollout to select small business customers in FY26. 2. Refer to glossary at the back of this presentation for further details. 3. Represents Business Banking divisional business loan balances on a spot basis. Comparative information has been restated to conform to presentation in the current period. 4. CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). Represents growth for the period June 2026 vs June 2025. 5. As at 30 June 2026. 6. Improvement in time to credit decisions for Corporate SME lending, three-month average to June 2026 vs benchmark in FY25. Measured from application start date to the credit decision date. 7. Business Banking contribution to FY26 Group cash NPAT (from continuing operations). Slide 13 1. Represents the increase in the number of client engagements since launch in 2022. 2. Refer to glossary at the back of this presentation for further details. 3. Operational deposits per NSFR calculation as defined by APRA Prudential Standard (APS 210). 4. Total IB&M revenue as a proportion of total Risk Weighted Assets, from the latest available disclosures. 5. Represents the percentage reduction in total Risk Weighted Assets from June 2016 to June 2026. 6. Net new mandates won (excluding inward clearing mandates) with IB&M clients that hold a Transaction Account and an additional Transaction Banking product, generating over $100k p.a. (run-rate). 7. Institutional Banking & Markets contribution to FY26 Group cash NPAT (from continuing operations). Slide 14 1. Launched in July 2025 (single applications) and November 2025 (joint applications). 2. Source: RepTrak Corporate Reputation survey, representative of New Zealanders aged 18+. Reputation scores shown are quarterly. New Zealand bank average includes ANZ, BNZ, Kiwibank and Westpac. 3. Represents ASB divisional total customer deposit balances (interest bearing and non-interest bearing) on a spot basis. 4. Represents ASB divisional home loan balances on a spot basis. 5. Canstar Digital Bank of the Year for four consecutive years. 6. ‘Days’ relates to business days. Turnaround time relates to average time to first credit decision for proprietary home lending applications for FY26. 7. Morningstar award for ‘Fund manager of the year – KiwiSaver’ for 2026. Awarded March 2026. 8. ASB contribution to FY26 Group Cash NPAT (from continuing operations). ASB Bank only and calculated in Australian dollars.
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132 Sources and notes Slide 20 1. In FY26. 2. CBA including Bankwest, excludes ASB unless otherwise stated. 3. Average number of property purchases in FY26 by working day, excluding NSW public & bank holidays. 4. Business Banking business lending, new funding and drawdowns. 5. Excludes Bankwest. 6. Payment arrangements for customers in need of support in FY26, defined at account level. Excludes Bankwest. 7. Monthly lodgements to AUSTRAC (Threshold Transaction Report, International Funds Transfer Instruction and Suspicious Matter Report submissions across CBA, Bankwest and ASB). 8. Monthly payment sanctions screening alerts created to be worked by Operations teams (CBA including Bankwest and ASB). 9. Monthly average of total retail and business transaction accounts, excluding offsets, includes Bankwest. 10. Includes both in-branch and contact centre assisted customer interactions. 11. The total number of interactions with individuals, including non-CommBank customers, in vulnerable circumstances supported by CommBank Next Chapter in FY26. 12. Handled by our frontline staff. 13. Shared with the Anti-Scams Intelligence Loop. 14. Includes investment in technology infrastructure refresh and resilience. 15. Includes expenditure on operational processes and upgrading functionalities to help protect our customers against fraud, scams, cyber threats and financial crime in FY26. Slide 22 1. Refer to glossary at the back of this presentation for further details. 2. Deposits and long-term wholesale funding as a percentage of total funding (excluding equity). 3. Represents the difference between total actual provisions held and the expected credit loss in the central scenario. 4. Represents FY26 average balance of domestic equity hedge and deposit hedge. 5. Surplus CET1 capital above APRA regulatory minimum of 10.25% under the revised capital framework effective from 1 January 2023. Slide 34 1. Represents the Weighted Average Maturity of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. 2. Includes short-term collateral deposits. 3. Represents the difference between total actual provisions held and the expected credit loss in the central scenario. 4. Represents volume growth, excludes movements relating to credit quality, FX, data and methodology, and derivatives and other. 5. Return on equity (ROE) on a cash and continuing operations basis over average ordinary equity. 6. On-market purchase of shares in respect of the DRP from FY18 to FY26, where neutralised. 7. Cash NPAT inclusive of discontinued operations. Payout ratios excluding the impact of notable items are used where they have previously been disclosed. 8. Long-run average FY10 to FY20, prior to a period of dividend reinvestment plan neutralisation.
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133 Sources and notes Slide 39 1. Refer to glossary at the back of this presentation for further details. 2. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 3. Source: APRA MADIS. 4. Excludes Bankwest and Residential Mortgage Group. 5. Source: APRA MADIS – Non-financial Business Deposits (including IB&M). 6. Represents Business Banking divisional business loan balances on a spot basis. Comparative information has been restated to conform to presentation in the current period. 7. CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). Represents growth for the period June 2026 vs June 2025. Slide 41 1. Represents an approximated distribution of FY26 Group gross income (net of loan impairment) to our customers and stakeholders across Australia and New Zealand. 2. Includes interest paid on deposits in FY26. 3. Represents share of household deposits as at June 2026. Source: APRA MADIS. 4. Includes payment of corporate tax, employee related taxes, Major Bank Levy and net unrecoverable GST in FY26. 5. Includes interest paid on offshore deposits and wholesale funding. 6. CBA Australia registered suppliers as at June 2026. Excludes non-supplier third parties. 7. Represents 2H25 dividend and 1H26 dividend paid. 8. Retail shareholder calculation is based on the number of shareholders who hold 10,000 shares or less. Slide 43 1. CBA new fundings including Bankwest, internal refinancing and top-ups, Viridian Line of Credit and Residential Mortgage Group. Excludes ASB. FY26 vs FY25. 2. CBA business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA Total Business Lending data (excluding estimated institutional lending balances). Represents growth for the period June 2026 vs June 2025. 3. Average balance for FY26 vs FY25. Includes utilised secured and unsecured financing transactions that are aligned with external market principles such as the Loan Market Association / Loan Syndication and Trading Association / Asia Pacific Loan Market Association Green, Social and Sustainability-Linked Loan Principles. 4. FY26 vs FY23. 5. Includes co-mingled social, affordable and market homes funded by Institutional Banking & Markets with Community Housing Providers in FY26. 6. Refer to glossary at the back of this presentation for further details. 7. Progressive rollout to select retail and small business customers in FY26. 8. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 9. Using secure Near Field Communication (NFC), currently available for eligible new customers who are physically located in Australia. 10. FY26 vs FY25 on a rounded basis. Restore time based on the Mean Time to Restore for incidents with material business and/or customer impacts. 11. As at 30 June 2026. 12. Includes expenditure on operational processes and upgrading functionalities in FY26.
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134 Sources and notes Slide 45 1. Based on most digitally active customer numbers where publicly available, app store performance, independent industry recognition, and highest Mobile App NPS score compared to major peer banks as at 30 June 2026. 2. Based on the total number of customers that have logged into the CommBank app at least once in the month of June 2026. 3. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 4. Awarded the Canstar Innovation Excellence award in April 2026. 5. FY26 vs FY25 growth of Aussie equities, Pocket and Everyday Investing accounts opened via the CommBank app. 6. FY26 vs FY25. 7. Via the CommBank app. 8. Cumulative number of unique customers visiting the platform as at 30 June 2026. Slide 47 1. Based on most digitally active customer numbers where publicly available, app store performance, independent industry recognition, and highest Mobile App NPS score compared to major peer banks as at 30 June 2026. 2. CBA awarded Canstar's 2026 Bank of the Year – Digital Banking Award (for the 17th year in a row). Awarded May 2026. CBA was also inducted into the inaugural Canstar ‘Hall of Fame’ for sustained success in the Digital Banking – Bank of the Year category for ten or more consecutive years. 3. CBA was awarded the ‘Most Innovative Major Consumer Bank’ and ‘Best Digital Consumer Bank (Major)’ for the 8th year in a row by RFI Global’s Banking & Finance Awards 2026. Presented February 2026. Award is based on information collected from the RFI Global Atlas program – feedback from over 80,000 business and/or retail customers from January 2025 to December 2025. 4. The total number of customers that have logged into the CommBank app at least once in the month of June 2026. 5. The total number of logins to the CommBank app in the month of June 2026 divided by the number of days in the month. 6. CommBank Yello has delivered more than $240 million in value in the form of product benefits, cashbacks, discounts and prize draws to retail customers from November 2023 to June 2026. 7. Average monthly unique customers who engaged with one of our money management features in the CommBank app from July 2025 to June 2026. Money management features include Benefit Finder, Bill Sense, Cash Flow View, Category Budgets, Goal Tracker, Money Plan, Smart Savings and Money Insights. 8. Since launch in September 2024 to 30 June 2026. Slide 49 1. Data source: Customer Engagement Engine Reporting. 2. Evident AI Index 2023 published by Evident Insights Index, October 2023. 3. Evident AI Index 2024 published by Evident Insights Index, October 2024. 4. Evident AI Index 2025 published by Evident Insights Index, October 2025. 5. Progressive rollout to select retail and small business customers in FY26. 6. As at 30 June 2026. Slide 59 1. System source: RBA Lending and Credit Aggregates. 2. System source: APRA MADIS. 3. Other household lending market share includes personal loans, margin loans and other forms of lending to individuals. 4. Source: RBA Lending and Credit Aggregates. Business including select financial businesses, not seasonally adjusted. Comparative information has been restated to conform to the presentation in the current year. 5. Represents business lending to and business deposits by non-financial businesses (NFB) under APRA definitions. 6. Represents total business lending to non-financial businesses, financial institutions, general government and community service organisations under APRA definitions. 7. Represents CommSec traded value as a percentage of total Australian equities markets, on a 12 month rolling average basis. 8. System source: Based upon RBNZ lending by purpose and deposits by sector data. Business and rural lending represents aggregated business and agriculture loans per RBNZ classifications. 9. Series break from June 2021 relating to restatements.
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135 Sources and notes Slide 79 1. CBA including Bankwest. 2. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan, unless otherwise stated. 3. Any amount ahead of monthly minimum repayment at an account level; includes offset facilities and loans in arrears. 4. Average number of monthly payments ahead of scheduled repayments. 5. Redraw balances represent the value of all payments in advance (payments ahead of scheduled repayments), excluding offset facilities. 6. Group including ASB. 7. Comparative information since July 2023 has been restated to conform to presentation in the current period. 8. CBA including Bankwest, Line of Credit and Reverse Mortgages. Excludes Commonwealth Portfolio Loans, Residential Mortgage Group and Unloan. Taking into account cross-collateralisation. Offset balances not considered. Slide 87 1. CBA grades in S&P equivalents. 2. Due to rounding, the numbers presented may not sum precisely to the totals provided. 3. Non-performing exposures are exposures in default as defined in regulatory standard APS220 Credit Risk Management. Corporate troublesome exposures are defined as exposures to corporate customers where profitability is weak and the capacity to meet financial commitments is diminished. These customers are at higher risk of default over the next 12 months. Well-secured home loans are defined as those with LMI or where the fair value of collateral after applying a conservative haircut to the most recent valuation exceeds the estimated future contractual cash flows. Estimated future contractual cash flows includes loan balance, interest and expenses during the resolution period. 4. Represents troublesome and non-performing exposures as a proportion of Group total committed exposures. Slide 98 1. Includes other short-term liabilities. 2. Represents long-term wholesale funding as a percentage of total funding which includes RBNZ term lending facilities drawdowns where applicable. 3. Represents the Weighted Average Maturity of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. WAM includes RBNZ term lending facilities drawdowns where applicable. 4. Maturities may vary due to FX revaluation. 5. Includes Senior Bonds and Structured MTN. 6. Additional Tier 1 and Tier 2 Capital. 7. Quarterly average. 8. Indicative weighted senior and covered bond funding costs (excluding Tier 2 costs), across major currencies. Represents the spread over BBSW equivalent on a swapped basis. 9. Includes debt buy-backs and reported at historical FX rates. 10. Short-term wholesale funding including Vostro balances. 11. Lending excludes collateral loans. 12. Other includes collateral on hedging instruments, IFRS MTM, FX, net derivatives, net other assets and rounding. Slide 99 1. CBA data as at 30 June 2026. Peer data based on regulatory disclosures as at 31 March 2026. 2. Total retail transaction accounts, excluding offset accounts, includes Bankwest. 3. Represents Retail Banking Services divisional deposit balances. Transactions include non-interest bearing deposits and transaction offsets. Online savings include NetBank Saver, Goal Saver, Business Online Saver, Bankwest Hero Saver, Smart eSaver, and Telenet Saver and Easy Saver. Savings and Investments includes savings offset accounts. 4. Includes at-call interest bearing deposits, term deposits and non-interest bearing deposits. 5. Includes non-interest bearing deposits and other customer funding.
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136 Sources and notes Slide 107 1. Due to rounding, numbers presented in this section may not sum precisely to the totals provided. 2. The 2026 interim dividend included the on-market purchase of $530 million of shares (CET1 impact of -10bpts) in respect of the Dividend Reinvestment Plan. 3. Excludes net equity accounted profits/losses and impairments from associates as they are capital neutral with offsetting changes in regulatory capital deductions. 4. Excludes impact of foreign exchange movements on Credit RWA, which is included in ‘Other’. 5. Includes the impact of intangibles, FX impact on Credit RWA, equity accounted profits/losses and impairments from associates, movements in reserves and other regulatory adjustments. 6. Credit quality includes portfolio mix. 7. Includes data and methodology, credit risk estimates changes and regulatory treatments. 8. Includes credit valuation adjustment, securitisation, standardised portfolios and settlement risk RWA. 9. Basis points impact on CET1 ratio. Slide 109 1. Includes CET1 capital buffer to regulatory minimum (10.25%), total provisions above central scenario ECL, Investment Securities Revaluation (ISR) Reserve and IRRBB Embedded Gains and Losses converted into capital using the Group’s Level 2 CET1 ratio. 2. Central scenario is based on the Group’s internal economic forecasts and market consensus as well as other assumptions used in business planning and forecasting. 3. Assuming 100% weighting holding all assumptions including forward-looking adjustments constant and includes individually assessed provisions. 4. This represents pre-tax changes in the value of government and semi-government bonds recognised within the ISR Reserve. 5. The Group’s equity is invested over a three-year term to mitigate volatility of earnings and capital through a rate and credit cycle. Valuation differences cannot be utilised to support growth or shareholder returns. Unwind is slowed in high-rate environment and accelerated in low-rate environment. 6. Represents FY26 average balance of domestic equity hedge and deposit hedge. 7. CBA as at 30 June 2026. Peers based on regulatory disclosures as at 31 March 2026. 8. Includes other short-term liabilities. 9. Represents long-term wholesale funding as a percentage of total funding which includes RBNZ term lending facilities drawdowns where applicable. Slide 114 1. Return on equity on a cash (or cash equivalent basis) and continuing operations basis over average ordinary equity for domestic peers. Domestic Peer ROE and dividend payout ratio represents the simple average for the last two full year results as published, excluding special dividends. ANZ excluding notable items where reported. CBA reporting period includes the average of the last two full year results to June 2026. International banks sourced from Bloomberg Finance L.P. and/or published results, and represents the average of the last two full years. Citi FY25 ROE ex notable items. HSBC results have been normalised to exclude special dividends and impact from material notable items including sale of businesses in France, Canada and Argentina. TD Bank FY25 results have been normalised to exclude CAD $8.6bn net gain on sale of Schwab and FY24 results have been normalised to exclude the Global Resolution of the investigations into the US BSA/AML Program payment of USD $3bn. 2. Estimated Return on equity (cash) including the benefit from franking credits which is recognised as 70% of the Australian tax generated relative to the average shareholders' equity in the period for CBA and domestic peers. 3. Reflects final FY26 dividend for CBA and disclosed final FY25 dividends for peers. 4. Net tangible assets per share as at 30 June 2026 for CBA and as reported as at 31 March 2026 for peers. FY00 – FY04 net tangible assets have not been normalised for the impact of the transition to AIFRS in 2005. 5. Source: Bloomberg Finance L.P., 1 January 2000 to 30 June 2026. Peer average is the average of major bank peers.
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137 Glossary Term Description Cash Profit The Profit Announcement (PA) discloses the net profit after tax on both a statutory and cash basis. The statutory basis is prepared in accordance with the Corporations Act 2001 (Cth) and the Australian Accounting Standards, which comply with International Financial Reporting Standards (IFRS). The cash basis is used by management to present a clear view of the Bank’s operating results. It is not a measure based on cash accounting or cash flows. The items excluded from cash profit, such as hedging and IFRS volatility, and gains or losses on acquisitions, disposal, closure, capital repatriation and demerger of controlled businesses and associates classified as discontinued operations are calculated consistently with the prior year and prior half disclosures and do not discriminate between positive and negative adjustments. A list of items excluded from cash profit is provided on page 3 of the Group’s 30 June 2026 PA, which can be accessed at our website: www.commbank.com.au/results Level 1 CBA parent bank, offshore branches and extended licensed entities approved by APRA. Level 2 Consolidated banking group including banking subsidiaries such as ASB Bank Limited and CBA Europe N.V.. Corporate Troublesome Corporate Troublesome includes exposures to corporate customers where profitability is weak and the capacity to meet financial commitments is diminished. These customers are at higher risk of default over the next 12 months. Credit Valuation Adjustment (CVA) The market value of the counterparty credit risk on the derivative portfolio, calculated as the difference between the risk-free portfolio value and the portfolio value that takes into account the possibility of a counterparty’s default. Derivative Valuation Adjustments (XVA) A number of different valuation adjustments are made to the value of derivative contracts to reflect the additional costs or benefits in holding these contracts. The material valuation adjustments included within the CBA result are CVA and FVA. Funding Valuation Adjustment (FVA) The expected funding cost or benefit over the life of the uncollateralised derivative portfolio. High Quality Liquid Assets (HQLA) As defined by APRA in Australian Prudential Standard APS210 Liquidity. Qualifying HQLA includes cash, government and semi-government securities, and RBNZ eligible securities. International Capital The measure is based on the Australian Banking Association publication ‘Basel 3.1 Capital Comparison Study’ (March 2023), which compares APRA’s capital framework, including RBNZ prudential requirements, with the finalised post-crisis Basel III reforms. Leverage Ratio Tier 1 Capital divided by Total exposures, expressed as a percentage. Total exposures are the sum of On Balance Sheet items, derivatives, Securities Financing Transactions (SFTs), and Off Balance Sheet items, net of any Tier 1 regulatory deductions that are already included in these items. Liquidity Coverage Ratio (LCR) LCR was implemented by APRA on 1 January 2015. Australian Prudential Standard APS210 Liquidity requires Australian ADIs to hold sufficient liquid assets to meet 30-day net cash outflows projected under an APRA-prescribed stress scenario. Main Financial Institution (MFI) share – Retail MFI share measures the proportion of Banking and Finance MFI Customers that nominated each bank as their MFI. MFI definition: In the Roy Morgan Single Source Survey MFI is a customer determined response where one institution is nominated as the primary financial institution they deal with (when considering all financial products they hold). Peers include ANZ Group (including Suncorp from August 2024), NAB Group and Westpac Group (including St George Group). CBA Group includes Bankwest. Source: Roy Morgan Single Source survey conducted by Roy Morgan, Australian population 14+ (12-month averages to June 2026), excl. unable to identify MFI. Roy Morgan has re-calibrated the results from April 2020 to March 2021 to take into account methodology changes since COVID-19. This has resulted in small differences to some of the previously published figures. MFI Share – Business RFI Global Atlas Business MFI Share: Data on a six-month roll weighted to the Australian business population. MFI Customer Share is the proportion of all businesses with any business banking, that nominate the financial institution as their main financial institution. Share based on grouped brands as follows: CBA Group includes CBA and Bankwest, ANZ Group includes ANZ and Suncorp (from August 2024), NAB Group includes NAB, Westpac Group includes Westpac, St George, BankSA and Bank of Melbourne. MFI Share – Institutional RFI Global Atlas Business Institutional MFI Share. Data on a 12-month roll weighted to the Australian business population with an annual revenue of $500 million or more for the previous financial year. MFI Customer Share is the proportion of all businesses with any business banking, that nominate the FI as their main financial institution. Share based on grouped brands as follows: CBA Group includes CBA and Bankwest, ANZ Group includes ANZ and Suncorp from August 2024, NAB Group includes NAB, Westpac Group includes Westpac, St George, BankSA and Bank of Melbourne. Next Chapter interactions The total number of interactions with individuals, including non-CommBank customers, in vulnerable circumstances supported by CommBank Next Chapter during the reporting period. The channels are: inbound calls answered; asynchronous chat opened conversations via the CommBank app; and successful outbound contacts made to support customers who received abusive messages via transaction descriptions. Excludes ASB businesses in New Zealand. Term Description NPS – Consumer RFI Global Atlas Consumer MFI NPS: Based on Australian population aged 14+ years old rating their likelihood to recommend their MFI. NPS results are shown as a six-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS – Business RFI Global Atlas Business MFI NPS: Based on Australian businesses rating their likelihood to recommend their MFI for Business Banking. NPS results are shown as a six-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS – Institutional RFI Global Atlas Institutional $300 million plus Business MFI NPS: Based on Australian businesses with an annual revenue of $300 million or more for the previous financial year rating their likelihood to recommend their MFI for Business Banking. NPS results are shown as a 12-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS – Consumer Mobile App RFI Global Atlas Consumer MFI Mobile Banking App NPS: Based on MFI customers rating their likelihood to recommend their MFI’s Mobile Banking App used in the last 4 weeks. NPS results are shown as a six-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS – Consumer Digital Banking RFI Global Atlas Consumer MFI Digital Banking NPS: Based on MFI customers 14+ rating their likelihood to recommend their MFI’s Mobile Banking App and/or Online Banking used in the last four weeks. Overall Digital NPS is then calculated by weighting Online Banking : Mobile Banking App by a factor of 20.7 : 79.3. NPS results are shown as a six-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS – Business Digital Banking RFI Global Atlas Business MFI Digital Banking NPS: Based on MFI businesses rating their likelihood to recommend their MFI’s Mobile Banking App and/or Online Banking used in the last 4 weeks. Overall Digital NPS is then calculated by weighting Online Banking : Mobile Banking App by a factor of 36.8 : 63.2. NPS results are shown as a six-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS – Business mobile app RFI Global Atlas Business MFI Mobile Banking App NPS: Based on MFI businesses (turnover below $40m) rating their likelihood to recommend their MFI’s Mobile Banking App used in the last four weeks. NPS results are shown as a six-month rolling average. NPS is reported for each brand, therefore Commonwealth Bank of Australia excludes Bankwest and ASB Banking Group. NPS & Share Ranks NPS and MFI Share ranks are based on absolute scores as at 30 June 2026, or simple comparisons of incidences among major banks, not statistically significant differences. Net Stable Funding Ratio (NSFR) NSFR was implemented by APRA on 1 January 2018. Australian Prudential Standard APS210 Liquidity requires Australian ADIs to fund their assets with sufficient stable funding to reduce funding risk over a one-year horizon. APRA-prescribed factors are used to determine the stable funding requirement of assets and the stability of funding. Non-Performing Exposures An exposure which is in default, meaning it is 90 days or more past-due or it is considered unlikely the borrower will repay the exposure in full without recourse to actions such as realising security. RepTrak reputation score RepTrak, The RepTrak Company. Data is collected throughout the quarter and reported at quarter end. The reputation score is a calculation based on four statements measuring esteem, admiration and respect, trust and good feeling towards the organisation; expressed as a score ranging from 0-100 to determine the reputational strength of the company. Risk Weighted Assets (RWA) The value of the Group’s On and Off Balance Sheet assets are adjusted by risk weights calculated according to various APRA prudential standards. For more information, refer to the APRA website. Total Committed Exposures (TCE) Total Committed Exposures is defined as the balance outstanding and undrawn components of committed facility limits. It is calculated post receipt of eligible financial collateral that meets the Group’s netting requirements and excludes settlement exposures. Troublesome & Non-Performing Exposures (TNPE) Troublesome and non-performing exposures (TNPE) have replaced the Group’s previous Troublesome and Impaired assets measures to align with the industry standard measure of Non-Performing. TNPE comprises Non-Performing exposures and Corporate troublesome exposures.
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138 Our reporting suite Committed to transparent reporting Corporate Governance Statement Profit Announcement Pillar 3 Report Investor Discussion Pack Annual Report Sustainability Performance M etrics Modern Slavery and Human Trafficking Statement GRI and SASB reporting
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139 Adam Haynes Media Relations +61 2 9595 3219 Media@cba.com.au Melanie Kirk Investor Relations +61 2 9118 7113 CBAInvestorRelations@cba.com.au Contact us Investor Relations Media Relations