Commonwealth Bank Of Australia · ASX:CBA

Commonwealth Bank Of Australia — H1 2010 Earnings Presentation

11 slides from Commonwealth Bank Of Australia's earnings presentation, Feb 10, 2010

  1. Slide 1: Media Presentation: Half year ended 31 December 2009

    Determined to be better than we’ve ever been. For personal use only Ralph Norris CHIEF EXECUTIVE OFFICER Media Presentation For the half year ended 31 December 2009 10 February 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 Bank’s activities current at the date of the presentation, 10 February 2010. It is information given in summary form and does not purport to be complete. It is not intended to be

  3. Slide 3: Agenda

    Agenda For personal use only  Ralph Norris, CEO  Questions and Answers 3

  4. Slide 4: Strong operating performance

    Strong operating performance For personal use only  Strong financial performance Dec 09 Cash NPAT $2,943m  Good momentum in all businesses ROE 18.5%  Strategy driven result Tier 1 Capital 9.1%  Prudent business settings maintained Cash EPS (cents) 191.7 Interim Dividend (cents) 120.0  Well posi

  5. Slide 5: A clear, focussed strategy

    A clear, focussed strategy For personal use only Customer Business Satisfaction Banking Australia’s finest financial services organisation Trust and Technology and Team Spirit Operational Excellence Profitable Growth 5

  6. Slide 6: Transformational change - scorecard

    Transformational change - scorecard June 2006 December 2009 Progress Customer Satisfaction For personal use only Retail 1 64.9% 73.8%  Business 2 56.5% 67.5%  FirstChoice 3 Ranked 6th Ranked 1st  Share of Ombudsman Complaints 29.8% 16.6%  5 Market Shares Home Lending 18.7% 26.0%  Business Lendi

  7. Slide 7: Areas of strategic focus – near term

    Areas of strategic focus – near term Continued drive to be Number 1 in customer satisfaction For personal use only   Core Banking Modernisation;  On schedule - early phases very encouraging  All customer information migrated, 3 live trials underway  Quantum improvements in customer service and

  8. Slide 8: Regulatory Reform

    Regulatory Reform For personal use only  Australian financial system very resilient  Avoided worst of Global Financial Crisis  Well capitalised, provisioned and high liquidity  No government bail outs required  Funding cost pressures from offshore  Any regulatory changes need to recognise uniq

  9. Slide 9: Outlook

    Outlook For personal use only  Global outlook has improved  Sustainable economic recovery under way in Australia  Increased credit growth  Continued funding cost pressure  Impairments expected to decline gradually  Some global downside risks still exist  Group retains conservative financial s

  10. Slide 10: A strong operating result

    A strong operating result For personal use only  Clear, focussed strategy Delivering results  Good momentum Some headwinds  Strong growth Income up 10%  Careful cost management Costs up 1% this half  Strong balance sheet Tier 1 Capital over 9%  Conservative provisioning $1.4bn management overl

  11. Slide 11: Media Presentation: Half year ended 31 December 2009

    Determined to be better than we’ve ever been. For personal use only Ralph Norris CHIEF EXECUTIVE OFFICER Media Presentation For the half year ended 31 December 2009 10 February 2010 Commonwealth Bank of Australia ACN 123 123 124

Commonwealth Bank of Australia — H1 2010 Earnings Presentation on 6ix