Commonwealth Bank Of Australia · ASX:CBA

Commonwealth Bank Of Australia — FY2007 Earnings Presentation

15 slides from Commonwealth Bank Of Australia's earnings presentation, Aug 15, 2007

  1. Slide 1: Media Presentation for the Full Year Ended 30 June 2007

    For personal use only Ralph Norris CHIEF EXECUTIVE OFFICER 15 August 2007 Commonwealth Bank of Australia ACN 123 123 124 MEDIA PRESENTATION FOR THE FULL YEAR Ended 30 June 2007

  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, 15 August 2007. It is information given in summary form and does not purport to be complete. It is not intended to be re

  3. Slide 3: Overview

    Overview For personal use only „ Good result - all businesses delivered double digit profit growth „ Continued investment in the business to drive future growth „ Substantial progress on our five strategic priorities „ Credit quality maintained „ Good momentum going into new year 3

  4. Slide 4: Strong financial results

    Strong financial results For personal use only Jun 07 vs Jun 07 Jun 06 Cash NPAT ($m) * 4,604 18% Cash EPS (cents) * 353.0 16% Return on Equity – Cash (%) 22.1 80 bpts Income ($m) 13,159 11% Expense ($m) 6,427 7% Final Dividend ($ per share) 1.49 15% * Excludes profit on sale of Hong Kong Insurance

  5. Slide 5: All brands performing strongly

    All brands performing strongly For personal use only Banking Funds Mgt Insurance 5

  6. Slide 6: CEO priorities & measures

    CEO priorities & measures For personal use only „ Customer Service „ Business Banking „ Technology & Operational Excellence „ Trust & Team Spirit „ Profitable Growth Î Superior operating and financial results Î Australia’s finest financial services organisation 6

  7. Slide 7: Customer Service

    Customer Service For personal use only % customers satisfied (Roy Morgan Research – 6 month average) ƒ Continued focus on embedding Sales & 82% Services culture ƒ 4,000 front line staff trained in how to 72% better identify customer needs CBA ƒ 1,100 new customer facing roles across 62% the Group Ju

  8. Slide 8: On a journey...Australian Retail Banking

    On a journey...Australian Retail Banking For personal use only ƒ Introduction of ƒ Management KPI’s CommSee linked to customer ƒ Branch satisfaction refurbishment ƒ Sales & Service ƒ Introduction of Program initiatives for our ƒ Saturday trading people ƒ Measurement of customer advocacy Revenue Oper

  9. Slide 9: Business Banking

    Business Banking For personal use only ƒ Local Business Banking (LBB) Growth in Lending to Non-Financial ¾ 85 new Bankers in branches 160% Corporations 2005-2007* ¾ 78 new associates providing 24/7 150% access 140% ¾ Product and process simplification 130% 120% ƒ Corporate Financial Services 110% ¾

  10. Slide 10: CommBiz, FirstChoice, Netbank, CommSec, CommSee

    CommBiz – online, real time secure business and corporate banking For personal use only FirstChoice – chosen by 50% of IFA’s Netbank – 2m active customers CommSec CommSee – 95% visibility of customer 10

  11. Slide 11: Technology & Operational Excellence

    Technology & Operational Excellence For personal use only IT Efficiency Ratio * 20% ƒ Saved over $100m of IT expense ƒ Successfully delivering large 15% 20.3% 17.3% portfolio of IT projects across the 16.5% 15.5% 15.0% business 10% 2006 Q1 2007 Q2 2007 Q3 2007 Q4 2007 ƒ Significant improvements in S

  12. Slide 12: Trust & Team Spirit improving

    Trust & Team Spirit improving For personal use only Index CARES Survey ƒ Continued improvement in the 1.5 culture: 1.4 ¾ Increasing focus on customer 1.3 ¾ Positive momentum in people 1.2 engagement scores 1.1 ¾ Improved employee benefits 1.0 ¾ Increasing sense of pride 0.9 Nov 03 Nov 04 May 05 Nov

  13. Slide 13: Opportunities for Profitable Growth

    Opportunities for Profitable Growth For personal use only ƒ Asian expansion plans progressing well: ¾ Indonesia - ANK acquisition - acquired JV partner stake in CMG Astra ¾ China - Further capital investment in Hangzhou - Cinda/CFS fund management JV launched ¾ Vietnam - Branch licence applied for ƒ

  14. Slide 14: Outlook

    Outlook For personal use only „ Economic outlook for Australia remains positive „ Housing credit growth expected to remain at similar levels to 2007 „ Some slowing expected in business and personal credit growth „ Financial services industry will remain competitive „ Given outlook and business mix,

  15. Slide 15: For personal use only

    For personal use only Ralph Norris CHIEF EXECUTIVE OFFICER 15 August 2007 Commonwealth Bank of Australia ACN 123 123 124 MEDIA PRESENTATION FOR THE FULL YEAR Ended 30 June 2007

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