Commonwealth Bank Of Australia · ASX:CBA
Commonwealth Bank Of Australia — Q3 2009 Earnings Presentation
7 slides from Commonwealth Bank Of Australia's earnings presentation, Nov 9, 2009
Slide 1: September Quarter 2009 Information Pack
Determined to offer strength in uncertain times. For personal use only Commonwealth Bank of Australia September Quarter 2009 Information Pack For the quarter ended 30 September 2009 9 November 2009 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, 9 November 2009. It is information given in summary form and does not purport to be complete. It is not intended to be r
Slide 3: Summary
Summary For personal use only Strong quarterly business performance: Unaudited cash earnings of approximately $1.4 billion Good income growth Disciplined expense management Impairment expense of approximately $700m Good progress on strategic agenda Improving economic outlook, but conse
Slide 4: Business Summary
Business Summary For personal use only Australia - Retail Australia - Commercial Above system growth in home lending System credit growth slowing Strong price competition in deposits Both B&PB and IB&M performing well Improving customer satisfaction CommSec growth strong Bankwest – goo
Slide 5: Credit Quality - Consumer
Credit Quality - Consumer Home loan arrears Credit card arrears For personal use only 3.0% 30 days + 5.0% 30 days + 2.0% 3.0% 1.0% 0.0% 1.0% Sep 07 Mar 08 Sep 08 Mar 09 Sep 09 Sep 07 Mar 08 Sep 08 Mar 09 Sep 09 Bankwest CBA (incl customer assist) Bankwest CBA CBA (excl customer assist) Personal loan
Slide 6: Credit Quality - Commercial
Credit Quality - Commercial Impaired assets Troublesome exposures 2 For personal use only 86 88 bpts $bn 7.4 33 6.2 28 5.5 58 51 Quarter 16 only 1 30 58 55 5.9 4.5 4.9 18 14 2.9 10 42 2.2 $m 683 2,714 4,210 4,406 bpts 81 101 166 197 237 Jun 08 Dec 08 Jun 09 Sep 09 Dec 07 Jun 08 Dec 08 Jun 09 Sep-09
Slide 7: Strong funding and capital positions
Strong funding and capital positions 57% retail funded Funding profile For personal use only $bn 9 Retail Funding 8 70% of YTD funding has 21% Short Term Wholesale 7 been unguaranteed 6 Structured Funding with 5 1% first call <12 months 4 57% 4% Long Term Wholesale maturing 3 in next 12 months 2 1 1
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