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Key financials (All comparisons are for the 12 months ended 30 September 2024 versus the same period last year) • Pre-provision profit of $1,491 million, up 1% (up 1% excluding Notable Items). • Net profit of $1,055 million, up 10% (up 9% excluding Notable Items). • Net operating income of $2,860 million, up 3% (up 3% excluding Notable Items). • Operating expenses of $1,369 million, up 6% (up 6% excluding Notable Items). • Net impairment charge of $27 million, compared with an impairment charge of 135 million in the previous period. • Net interest margin 2.17%, up 4 basis points excluding Notable Items. • Home lending up 3% to $68.0 billion, Business lending up 2% to $33.4 billion, Deposits flat at $79.7 billion.