Commonwealth Bank Of Australia · ASX:CBA

Commonwealth Bank Of Australia — FY2015 Earnings Presentation

21 slides from Commonwealth Bank Of Australia's earnings presentation, Aug 12, 2015

  1. Slide 1: Media Presentation for the Full Year Ended 30 June 2015

    MEDIA PRESENTATION Not for distribution or release in the United States FOR THE FULL YEAR ENDED 30 JUNE 2015 For personal use only IAN NAREV Results Presentation CHIEF EXECUTIVE OFFICER For the half year ended 31 December 2009 10 February Commonwealth Bank of Australia ACN 123 123 124 2010 COMMONWEA

  2. Slide 2: Disclaimer

    Notes Disclaimer For personal use only The material that follows is a presentation of general background information about the Group’s activities current at the date of the presentation, 12 August 2015. It is information given in summary form and does not purport to be complete. It is not intended t

  3. Slide 3: Our Vision and Values

    Our Vision and Values For personal use only Our Vision Our Values Integrity To excel at securing and Collaboration enhancing the financial Excellence wellbeing of people, Accountability businesses and communities Service 3

  4. Slide 4: Our strategy

    Our strategy Customer Focus For personal use only People Productivity Technology Strength Capabilities “One CommBank” Growth Continued growth in business and institutional banking Opportunities Disciplined capability-led growth outside Australia TSR Outperformance 4

  5. Slide 5: Continuing growth

    Continuing growth For personal use only Jun 15 vs Jun 15 Jun 14 Statutory Profit ($m) 9,063 5% Cash NPAT ($m) 9,137 5% ROE – Cash (%) 18.2 (50) bpts Cash Earnings per Share ($) 5.61 5% Dividend per Share ($) 4.20 5% 5

  6. Slide 6: All divisions contributing

    All divisions contributing 1 Cash NPAT FY15 For personal use only  Income  5%  C:I 30 bpts to 34.9%  Income  5%  Transaction Deposits  24% + 5%  Business loans  5%  C:I 190 bpts to 43.3%  Home loans  2%  NIM lower 3,867  Income 2  7%  Lending  8%  C:I 160 bpts to 38.9% 5  Marke

  7. Slide 7: Continued focus on the customer

    Continued focus on the customer For personal use only Area CBA Ranking Retail 1 1st Business – Micro3 =1st Business – Small =1st 3 Business – Medium 3 =1st Business – Large 3 =1st Wealth 4 2nd IFS 5 1st Internet Banking 6 1st 1, 3, 4, 5, 6 Refer notes slide at back of this presentation for source in

  8. Slide 8: Continuing volume growth

    Continuing volume growth Household Deposits Home Lending Credit Cards For personal use only Balance Growth1 Balance Growth1 Balance Growth 1 Underweight in higher growth Not participating in zero segments – broker and balance transfer market investment lending 11.6% 8.1% 9.5% 7.4% 6.6% 2.0% 1.2% Sys

  9. Slide 9: MFI share

    MFI share 2 MFI share CBA MFI share by age 2 For personal use only % Overall 34.2% 46.3% 34.2 41.9% 33.1 44.9% Key Drivers 42.0% Customer Satisfaction 42.2% Transaction Banking 40.6% Technology & Innovation 20.2 19.4 MFI Share 30.1% 29.7% 28.2% 13.5 13.5 11.4 11.6 29.2% 28.6% 27.0% Jun 15 Jun 14 Jun

  10. Slide 10: Continuous Innovation

    Continuous Innovation 2011 2013 2015 For personal use only  “Albert” Eftpos tablet NetBank for mobile MyWealth; Kaching for Facebook; CommBiz Android; Everyday mobile; Union Pay; Video Conferencing in  Apps for Tablets & Smartwatches settlement branches; Essential Super; CommBiz Markets  Portfoli

  11. Slide 11: Innovating in Transaction Banking

    Innovating in Transaction Banking Transaction Accounts Continuous Innovation For personal use only Balance Growth FY15 • Cardless Cash 38% • Tap & Pay • Intelligent Deposit Machines • Real Time Alerts • Foreign Current Accounts 25% 24% Easy Account Opening • Real time online origination in 16% less

  12. Slide 12: Innovating in Transaction Banking

    Innovating in Transaction Banking Foreign Currency Accounts Real time alerts For personal use only ~50k accounts 1 ($3.2bn) Nov 14 Jul 15  Leveraging Core - originate &  Leveraging Core - real time alerts transact in real-time across devices for business transaction account customers  Integrated

  13. Slide 13: Innovating for Business

    Innovating for Business “Albert” For personal use only CBA First • Global first-to-market EFTPOS tablet Mar Mar 15 15 • Transforming the way merchants interact with their customers • Tailored customer experience, portable, secure, user-friendly • Over 3,000 devices in market across 2,500 merchants •

  14. Slide 14: Innovating Internationally

    Innovating Internationally International Financial Services For personal use only  Indonesia – new core, mobile, internet & funds platforms, data warehouse  New mobile apps in Indonesia and Vietnam (Cashflow, Workflow, BizLoan etc)  Partnership with FinTech Innovation Lab in Hong Kong  TYME – op

  15. Slide 15: Productivity

    Productivity Cultural Change Embedded Group Cost-to-Income For personal use only Productivity  >95% of staff trained saving $260m  Leadership focused Six 43.6% Training & Sigma training 42.9% 42.8% Leadership  Visual Management Boards FY13 FY14 FY15  $760m in benefits over Banking Cost-to-Income

  16. Slide 16: Strength to support our customers

    Strength to support our customers Deposit Funding Wholesale Funding Tenor For personal use only % of Total Funding Years Portfolio Tenor 1 63% 64% 63% 3.8 3.8 3.8 Jun 13 Jun 14 Jun 15 Jun 13 Jun 14 Jun 15 Liquidity22 Capital Basel III Common Equity Tier 1 LCR 116% 120% 12.7% 139 136 132 9.3% 9.1% 2

  17. Slide 17: International Peer Basel III CET1

    Not for distribution or release in the United States International Peer Basel III CET1 16.0 APRA top quartile 12.4%1 For personal use only 14.4 14.3 13.7 13.5 13.0 12.7 12.3 12.2 12.1 12.0 G-SIBs in dark grey 11.7 11.7 11.7 11.6 11.4 11.3 11.2 11.0 10.9 10.8 10.6 10.6 10.6 10.6 10.5 10.4 10.4 10.4 1

  18. Slide 18: Broad contributor to Australian wellbeing

    Broad contributor to Australian wellbeing Operating For personal use only Income Loan impairment FY15 Expenses Including ~6,100 Cost of lending across SME partners the economy and suppliers $4.2bn $1.0bn Tax expense Australia’s 2nd largest $3.4bn tax payer, equivalent to Salaries $5.8bn 4% of all co

  19. Slide 19: Outlook

    Outlook For personal use only  Result shows good economic foundations in savings, credit growth and credit quality, though near-term global risks remain  Need for businesses and all sides of politics to work together towards diversified, sustainable growth  Continued investment for CBA in same lo

  20. Slide 20: Notes and source information

    Customer Satisfaction - Sources 1 Roy Morgan Research Retail Main Financial Institution (MFI) Customer Satisfaction. Australian population 14+, % “Very Satisfied” or “Fairly For personal use only Satisfied” with relationship with that MFI. 6 month rolling average to June 2015. Peers includes ANZ, NA

  21. Slide 21: Media Presentation for the Full Year Ended 30 June 2015

    MEDIA PRESENTATION Not for distribution or release in the United States FOR THE FULL YEAR ENDED 30 JUNE 2015 For personal use only IAN NAREV Results Presentation CHIEF EXECUTIVE OFFICER For the half year ended 31 December 2009 10 February Commonwealth Bank of Australia ACN 123 123 124 2010 COMMONWEA

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