Commonwealth Bank Of Australia · ASX:CBA
Commonwealth Bank Of Australia — Q1 FY2011 Earnings Presentation
7 slides from Commonwealth Bank Of Australia's earnings presentation, Nov 15, 2010
Slide 1: September Quarter 2010 Information Pack
Determined to be better than we’ve ever been. For personal use only Commonwealth Bank of Australia September Quarter 2010 Information Pack For the quarter ended 30 September 2010 15 November 2010 Commonwealth Bank of Australia ACN 123 123 124
Slide 2: Disclaimer
Disclaimer For personal use only The material that follows is a presentation of general background information about the Bank’s activities current at the date of the presentation, 15 November 2010. It is information given in summary form and does not purport to be complete. It is not intended to be
Slide 3: Summary – September Quarter 2010
Summary – September Quarter 2010 For personal use only Operating conditions remain challenging; Global economic recovery still fragile; regulatory uncertainties Muted system credit growth Elevated funding costs Unaudited cash earnings of approximately $1.6 billion; Good cost discipline
Slide 4: Business Summary
Business Summary Australia - Retail Australia - Commercial For personal use only Disciplined cost control Improved outlook, but confidence still fragile Higher funding costs impacting margins Expect stronger system growth in 2nd Half Arrears trending lower in key portfolios Modest growth
Slide 5: Credit Quality
Credit Quality Consumer arrears Portfolio migrations For personal use only 5.0% 30 days + Risk-Rated Portfolios 10,000 4.0% 5,000 Exposure ($m) 3.0% 0 2.0% -5,000 -10,000 1.0% -15,000 0.0% -20,000 Sep 07 Mar 08 Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Sep Sep Sep -25,000 Sep Sep CBA Home Loans (incl custo
Slide 6: Funding and Capital
Funding and Capital Retail Bank funding costs Retail Bank margin For personal use only bpts +1.37% 251 x 60% Increased funding (7) 1 Deposit Funding cost 2 +1.35% 219 +1.33% 215 Wholesale Funding x 40% Basis Risk Jun 07 Dec 07 Jun 08 Dec 08 Jun 09 Dec 09 Jun 10 6 Months 6 Months Funding Pricing Othe
Slide 7: September Quarter 2010 Information Pack
Determined to be better than we’ve ever been. For personal use only Commonwealth Bank of Australia September Quarter 2010 Information Pack For the quarter ended 30 September 2010 15 November 2010 Commonwealth Bank of Australia ACN 123 123 124
Commonwealth Bank of Australia — Q1 FY2011 Earnings Presentation on 6ix