Commonwealth Bank Of Australia · ASX:CBA

Commonwealth Bank Of Australia — FY2011 Earnings Presentation

15 slides from Commonwealth Bank Of Australia's earnings presentation, Aug 10, 2011

  1. Slide 1: Media Presentation: Full Year Ended 30 June 2011

    DETERMINED TO BE BETTER THAN WE‟VE EVER BEEN. Media Presentation Ralph Norris Chief Executive Officer FOR THE FULL YEAR ENDED 30 JUNE 2011 For personal use only Results Presentation For the half year ended 31 December 2009 10 February Commonwealth Bank of Australia ACN 123 123 124 2010 10 AUGUST 201

  2. Slide 2: Disclaimer

    Notes For personal use only Disclaimer The material that follows is a presentation of general background information about the Group‟s activities current at the date of the presentation, 10 August 2011. It is information given in summary form and does not purport to be complete. It is not intended t

  3. Slide 3: Overview

    Overview For personal use only  A good result in a difficult year  Continued disciplined approach to execution of strategy underpins result  Strong financial position – capital, funding and provisions  Supporting our customers in uncertain times  Challenging year ahead 3

  4. Slide 4: Another good financial result

    Another good financial result For personal use only Jun 11 vs Jun 10 Cash NPAT ($m) 6,835 12% Statutory NPAT ($m) 6,394 13% ROE - Cash 19.5% +80bpts Cash EPS ($) 4.39 11% Dividend per Share ($) 3.20 10% 4

  5. Slide 5: Our results in context

    Our results in context For personal use only ROE 2 CBA 28.8 30.9 1 2 28.0 28.1 Rank 19.5 Market Capitalisation (ASX) 2nd Return-on-Assets (ROA) 69th CBA 3 BHP Rio Tinto Woolworths Telstra Return-on-Equity (ROE) 26th 2 ROA Dividends Declared 2nd 15.2 13.7 11.4 9.8 Taxes Paid 4th 1.0 3 CBA BHP Rio Tin

  6. Slide 6: Strategy delivering results

    Strategy delivering results Customer Satisfaction Business Banking For personal use only  Gap to No. 1 closed from 12.5% to 3.6%  Market share up from 12.1% to 18.1%  Highest products-per-customer of peer group*  Significant improvement in satisfaction  No 1 in key Wealth & Business segments 

  7. Slide 7: Customer Satisfaction

    Customer Satisfaction 1 2 Retail MFI Customer Satisfaction Products per customer For personal use only Major Banks Major Banks Rank 2.70 1st 2.64 78.8% 77.4% 2.60 75.2% 2.50 Average number of products at the Financial Institution 2.40 2.30 64.9% 2.20 2.10 Rank 2.08 4th 2.00 Jun 06 Jun 11 Jun 07 Jun

  8. Slide 8: Business Banking Growth Strategy

    Business Banking Growth Strategy BPB For personal use only Interest Earning Assets  Investment delivering dividends: $bn 7% 67.7  Business Bankers in branches 15% 63.1 55.0  Extended footprint  CommBiz  Supporting our business customers with FY09 FY10 FY11 above system lending growth BPB Cash N

  9. Slide 9: Core Banking – transformational change

    Core Banking – transformational change For personal use only 2008 2009 2010 2011 2012 Underway Next Step Customer Retail Business Pre-Launch Records Deposits & Deposits & Lending Transactions Transactions  Largest migration in  Migration of  Migration of  Proof-of- Australian banking  11 millio

  10. Slide 10: CBA in Asia

    CBA in Asia Country Representation For personal use only New developments in FY11 China Bank of Hangzhou (20%) – 107 branches Qilu Bank (20%) – 81 branches Beijing County Banking (84%) – 3 Banks Beijing Representative Office Jinan Henan BoCommLife JV (37.5%) Opened 3 County Shanghai Tokyo Banks in H

  11. Slide 11: Transformational change - scorecard

    Transformational change - scorecard Jun 06 Jun 11 Progress For personal use only Customer Satisfaction Retail 1 64.9% 75.2%   3 Business - DBM n/a Ranked equal 2nd  4 FirstChoice Ranked 2nd Ranked 1st 5 Market Shares Home Lending 18.7% 25.7%  Business Lending 12.1% 18.1%  Household Deposits 29.

  12. Slide 12: Outlook

    Outlook For personal use only  A challenging environment:  Fragile consumer and business confidence  Political and regulatory uncertainty  International instability  Subdued system credit growth  Intense competition  Continuation of our disciplined approach in FY12, with focus on:  Productiv

  13. Slide 13: Strength in uncertain times

    Strength in uncertain times For personal use only Where does net income go?  Strong capital and funding, FY11 $bn conservative provisioning Serving Expenses Loan Australia‟s 4th 11 million Impairment largest tax  Strong operating performance Australians payer and industry leading ROE 4.0 1.3 3.0 T

  14. Slide 14: 2011 Awards

    2011 Awards For personal use only  Bank of the Year 2011  Australian‟s Financial Institution of the Year – Major Bank  Credit Card Issuer of the Year  Chief Information Officer of the Year (Michael Harte)  Banking Website of the Year  Chief Risk Officer of the Year (Alden Toevs)  Margin Lende

  15. Slide 15: Media Presentation: Full Year Ended 30 June 2011

    DETERMINED TO BE BETTER THAN WE‟VE EVER BEEN. Media Presentation Ralph Norris Chief Executive Officer FOR THE FULL YEAR ENDED 30 JUNE 2011 For personal use only Results Presentation For the half year ended 31 December 2009 10 February Commonwealth Bank of Australia ACN 123 123 124 2010 10 AUGUST 201

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