Commonwealth Bank Of Australia · ASX:CBA

Commonwealth Bank Of Australia — FY2008 Earnings Presentation

17 slides from Commonwealth Bank Of Australia's earnings presentation, Aug 13, 2008

  1. Slide 1: Media Presentation: Full Year Ended 30 June 2008

    Media Presentation For personal use only For the full year ended 30 June 2008 Ralph Norris CHIEF EXECUTIVE OFFICER 13th August 2008 Commonwealth Bank of Australia ACN 123 123 124

  2. 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, 13 August 2008. It is information given in summary form and does not purport to be complete. It is not intended to be re

  3. Slide 3: Strength in uncertain times

    Strength in uncertain times For personal use only ► A solid operating result in a difficult environment ► Strong capital and funding positions ► Strong risk management = sound credit quality ► Prudent levels of provisioning ► Strategy on track and delivering – strong competitive position ► Continuin

  4. Slide 4: Market shares

    Market shares For personal use only Jun 08 Dec 07 Jun 07 Retail Banking Services Home loans 19.3% 18.8% 18.5% Credit cards 18.2% 18.5% 18.8% Note Personal lending (APRA Other Households) 15.8% 16.7% 16.4% Household deposits 29.1% 28.9% 29.0% After adjusting for peer bank reclassifications (estimated

  5. Slide 5: A solid operating result

    A solid operating result For personal use only Jun 08 vs Jun 08 Jun 07 Operating Income ($m) 14,358 10% Statutory NPAT ($m) 4,791 7% Cash NPAT ($m) 4,733 5% Cash EPS (cents) 356.9 3% Return on Equity – Cash (%) 20.4 (130)bpts Dividend per Share - Fully Franked (cents) 266.0 4% 6

  6. Slide 6: Targeted market share growth

    Targeted market share growth For personal use only Market Jun 08 Share vs Jun 08 Jun 07 15 consecutive months of market Home Lending 19.3% 0.8% share gains Household Deposits* 29.7% 0.7% Strong growth in both retail and business deposits in a constrained funding environment Business Deposits 14.4% 1

  7. Slide 7: better than we have ever been

    Determined to be better than we have ever been For personal use only Money Magazine Awards 2008 ƒ Winner - Bank of the Year ƒ Winner - Margin Lender of the Year (Colonial Margin Lending) ƒ Winner – Banking Website of the Year CANNEX 5-Star Ratings 2008 ƒ 24 of our products have received a CANNEX 5-s

  8. Slide 8: different

    Determined to be different For personal use only „ Determined to offer strength in uncertain times „ Determined to be better than we have ever been „ Determined to be Australia’s finest financial services organisation „ Determined to continue to invest in the business 10

  9. Slide 9: Other highlights

    Other highlights For personal use only IT efficiency ratio Repeat Severity 1 and 2 incidents World-wide best practice 20 13-15% 18 Substantially improved 16 system stability 14 # Incidents 12 10 8 6 4 Nil Nil Nil 16.7% 15.2% 14.5% 2 13.7% 0 Jun 06 Jun 07 Jun 08 Sep 06 Mar 07 Sep 07 Mar 08 Dec 06 Dec

  10. Slide 10: different

    Determined to be different For personal use only X Customer Satisfaction reached 10 year highs Customer Service X Money Magazine “Bank of the Year” 2008 X New CommSec banking solutions + iPhone share trading Business Banking X Strongest customer satisfaction gains amongst peer banks Technology and X

  11. Slide 11: better than we have ever been

    Determined to be better than we have ever been For personal use only Smartinvestor Awards 2008 ƒ Online Broker of the Year – Full Featured (CommSec) Smartinvestor Awards 2007 ƒ Retail Platform of the Year – non super (FirstChoice Wholesale) ƒ Retail Superfund of the Year (FirstChoice Personal Super–

  12. Slide 12: Strong customer satisfaction gains

    Strong customer satisfaction gains For personal use only Closing the gap to top rated peer Strong gains in Business Customer Satisfaction 84% Roy Morgan Research Customer Satisfaction1 TNS Customer Satisfaction2 Strongest satisfaction 80% 13.2% gains of the peer group over last 12 months 76% 9.7% 10

  13. Slide 13: better than we have ever been

    Determined to be better than we have ever been For personal use only Wealth Insights - Service Level Survey Awards 2008 ƒ Best Fund Manager (Colonial First State) ƒ Best Master Trust/Wrap provider (FirstChoice) EuroWeek Awards 2008 ƒ Best Overall MTN Issuer ƒ Best Structured Note Issuer ƒ Best Finan

  14. Slide 14: Core Banking our next key step

    Core Banking our next key step For personal use only Core Banking Our Journey so far Modernisation Improving the Front-End Addressing the Back-End „ Sales & service training „ A step change in customer service „ Over 1,000 new frontline staff „ Faster systems and processes „ New design branches „ Pr

  15. Slide 15: Outlook

    Outlook For personal use only „ Challenging global conditions dominate 2009 outlook for banking sector „ Australian economy expected to experience modest growth „ Group remains cautious with conservative approach to capital, provisioning and funding „ Core businesses well positioned „ Continuing to

  16. Slide 16: For personal use only

    Forgotten your password? Open a Cash Account for your chance to share Ta) Explore Australia's first trading platform designed for the iPhone. Available now. Earn 7.5%pa* on your cash floats and new 274 2004 2005 2006 2007 2008 Determined to be different

  17. Slide 17: Media Presentation: Full Year Ended June 2008

    Media Presentation For personal use only For the full year ended 30 June 2008 Ralph Norris CHIEF EXECUTIVE OFFICER 13th August 2008 Commonwealth Bank of Australia ACN 123 123 124

Commonwealth Bank of Australia — FY2008 Earnings Presentation on 6ix