Commonwealth Bank Of Australia · ASX:CBA
Commonwealth Bank Of Australia — FY2005 Earnings Presentation
16 slides from Commonwealth Bank Of Australia's earnings presentation, Aug 10, 2005
Slide 1: Presentation of Full Year Results
Commonwealth Bank Presentation of Full Year Results For Financial Year ended 30 June 2005 David Murray Chief Executive Officer 10 August 2005 www.commbank.com.au
Slide 2: Disclaimer
Disclaimer The material that follows is a presentation of general background information about the Bank’s activities current at the date of the presentation, 10 August 2005. It is information given in summary form and does not purport to be complete. It is not intended to be relied upon as advice to
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Slide 4: Two years in, Which new Bank is...
Two years in, Which new Bank is... = Delivering « for our customers = for our people « for our shareholders « Changing the way we do things « Building a strong platform for the future yet Which Bank ConmonweailthBak
Slide 5: Investment in service and people
Investment in service and people per share $1.54 Cash EPS 2003-06 to Exceed 12% CAGR Cash NPAT Which Bank ConmonweailthBank
Slide 6: Which new Bank is delivering
Which new Bank is delivering « Strong momentum in all businesses « Productivity improvements across the board » Market shares — turnaround in trend « Margins stable in competitive environment aa Which Bank ConmonweailthBak
Slide 7: Which new Bank is changing the way we do things
Which new Bank is changing the way we do things [Supported b People * Service and = Leadership » CommWay Sales ‘ CommSee » Performance » Process Redesign / Systems Management simplification » Branch Refurbishment » People * Support Function Development Redesign Which Bank ConmonweailthBank
Slide 8: June 2005 Milestones
June 2005 Milestones Milestone Percentage complete* Target date Service & Sales Management - remaining staff trained Branch Refurbishment - refurbish 125 NetBank - new service implemented D Mar 05 Y Apr 05 CommSee - 40% customer-facing staff trained oD Jun 05 CommSee - platform built and deployment
Slide 9: Focus on customer service
Focus on customer service = CommSee: Implementation 56% complete » Service and Sales: Training leading to sustained improvements » One Team Referrals: Providing increased cross- bank referrals Product Sales per Staff Member (indexed) 123 109 Jun-03 Dec-03 Jun-04 Dec-04 Jun-05 5.7 Strength of Relatio
Slide 10: CommSee national imaging
CommSee national imaging » CommSee national imaging Place of access for personal clients completed » Customer interaction time improved » Enhanced customer Time saved” convenience across entire a network » 50 000 images viewed per day — 12.5 million per year Accessed from other branch — Accessed at
Slide 11: People engagement
People engagement » Workplace Survey scores continue to increase » Consistent leadership approach » People engagement activities Gallup Workplace survey: 1999-2005 (Grand Mean) 1999 2001 2002 2003 2004 2005 poe Source: Gatiup Organisation Which ‘Barnlk Note: Gatiup Workplace Survey was not commissio
Slide 12: Simple processes
Simple processes Turn Around Time Improvements « CommWay commenced in all ] . : CommSec — business units Equity Conversions | PBS — Portfolio ls7% . . ‘8 « Further 60 projects by Lending December ASB - Cheque Processing « Simplified procurement WM - Super Benefits Payment Direct Banking — 47% Phase
Slide 13: We have established a platform for future growth
We have established a platform for future growth » Superior business mix = Which new Bank creating momentum — more to come = Focused expansion into China, India and Indonesia « Well planned and timed CEO succession ype Which Bank ConmonweailthBak 13
Slide 14: 2006 outlook
2006 outlook « Global Economy Global GDP growth continuing Commodity cycle very strong and continuing « Domestic Economy Investment and terms of trade strong Growth pickup plausible Credit quality, employment and business confidence strong Credit growth remaining robust « Bank Exceed 12% CAGR in cas
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Slide 16: Presentation of Full Year Results
Commonwealth Bank Presentation of Full Year Results For Financial Year ended 30 June 2005 David Murray Chief Executive Officer 10 August 2005 www.commbank.com.au
Commonwealth Bank of Australia — FY2005 Earnings Presentation on 6ix