Commonwealth Bank Of Australia · ASX:CBA

Commonwealth Bank Of Australia — FY2010 Earnings Presentation

13 slides from Commonwealth Bank Of Australia's earnings presentation, Aug 11, 2010

  1. Slide 1: Media Presentation: Full Year Ended 30 June 2010

    Determined to be better than we’ve ever been. For personal use only Ralph Norris CHIEF EXECUTIVE OFFICER Media Presentation For the full year ended 30 June 2010 11 August 2010 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 Group’s activities current at the date of the presentation, 11 August 2010. It is information given in summary form and does not purport to be complete. It is not intended to be r

  3. Slide 3: Overview

    Overview For personal use only  Another good financial result  Disciplined strategy execution continuing to deliver  Challenging operating environment – signs of momentum slowing  Global uncertainty continuing – conservative settings retained  Well placed for medium term 3

  4. Slide 4: Another good financial result

    Another good financial result For personal use only Jun 10 vs Jun 09 Cash NPAT ($m) 6,101 42% Statutory NPAT ($m) 5,664 20% ROE 18.7% 370bpts Cash EPS (cents) 396 34% Dividend per Share (cents) 290 27% 4

  5. Slide 5: Delivering for Shareholders

    Delivering for Shareholders 290 For personal use only Interim Final 84% Payout Ratio 87% 88% 84% 63% 63% 84% 74% 61% 59% cents per share 94 130 107 149 113 153 113 115 120 170 2006 2007 2008 2009 2010 5

  6. Slide 6: Strong six-month volume growth

    Strong six-month volume growth For personal use only Home Household Business Business Funds Under Lending Deposits Lending Deposits Administration % % % % % 17.9 SME Lending +7% 9.3 8.3 5.9 5.7 6.5 6.6 5.2 3.3 CBA System -3.7 Growth rates inclusive of Bankwest balances. All figures are six month bal

  7. Slide 7: Funding costs continue to increase

    Funding costs continue to increase For personal use only Indicative Long Term Wholesale Funding costs bpts 200 Jun 10 174 +1.46% 151 150 x 58% Increased 127 funding Deposit cost 83 Funding +1.22% 100 50 37 Jun 07 +0.89% 17 Wholesale x 42% 13 14 3 8 Funding* 1 year 2 year 3 year 4 year 5 year Jun 07

  8. Slide 8: Funding costs higher in 2H10

    Funding costs higher in 2H10 For personal use only NIM recovery as pricing NIM under bpts NIM decline as GFC adjusted for higher pressure from drives term funding funding costs and higher funding costs higher increased risk costs 219 218 216 208 205 198 Jun 06 Jun 07 Jun 08 Jun 09 Dec 09 Jun 10 Grou

  9. Slide 9: Transformational change - scorecard

    Transformational change - scorecard Customer Satisfaction June 2006 June 2010 Progress For personal use only Retail 1 64.9% 75.6%  Business - TNS 2 56.5% 67.9%   5 Business - DBM n/a Ranked 1st FirstChoice 3 Ranked 2nd Ranked 1st  Share of Ombudsman Complaints 29.8% 15.1%  Market Shares 6 Home

  10. Slide 10: Customer satisfaction creating value

    Customer satisfaction creating value For personal use only Entire rated Over 1,000 deposits suite customer facing awarded Retail branch “60 Minute” staff added Cannex 5 Stars CommSee transformation home loans over 4yrs 75.6% rolled out programme launched New strategic 2.56 2.56 agenda launched acros

  11. Slide 11: Supporting Australia

    Supporting Australia Where does our net income go? For personal use only  Employing 45,000 people Expenses $bn Impairment  Serving 11 million Australian customers 4.0 2.1 Salaries for  $100 billion in new lending 4.6 2.9 Taxes 45,000 staff 1.6 4.5 Retained to  Paid $2.9 billion in taxes grow len

  12. Slide 12: Outlook

    Outlook For personal use only  Despite improvement, global outlook remains uncertain  Domestic economy relatively well-placed  Regulatory reform outcomes likely to be manageable  Given uncertainty, remain cautious on near-term outlook  However, medium to longer term outlook very good 12

  13. Slide 13: Determined to be better than we've ever been

    Determined to be better than we’ve ever been. For personal use only Ralph Norris CHIEF EXECUTIVE OFFICER Media Presentation For the full year ended 30 June 2010 11 August 2010 Commonwealth Bank of Australia ACN 123 123 124

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