1H24 Financial Results
Sources and notes
Slide 5
1. Average monthly unique customers who engaged with one of our money management features in the CommBank app between July to December 2023. Money management features include Money Plan, Spend Tracker, Bill Sense,
Category Budgets, Cash Flow View, Goal Tracker, Credit Score, Carbon Tracker, CommSec Pocket and Smart Savings.
2. From July to December 2023.
3. Represents the six months to 31 December 2023.
4. Invested over $750 million in the past year, includes expenditure on operational processes and upgrading functionalities.
5. Represents Business Bank business lending, new funding and drawdowns for the six months to 31 December 2023.
6. By number of transactions.
7. Cumulative investment spend since FY19.
8. CBA commitment to keep all CBA regional branches open until at least the end of 2026.
9. Includes dividend and buy-back. CBA generates returns to over 850,000 direct shareholders and indirectly for over 12 million Australians through their superannuation.
Slide 11
1. Variances to prior comparative period unless otherwise stated.
2. Net Promoter Score®. For the major banks, NPS is reported for main bank (MFI) only. Net PromoterⓇ, NPS®, NPS PrismⓇ, and the NPS-related emoticons are registered trademarks of Bain & Company, Inc., NICE Systems, Inc., and
Fred Reichheld. Net Promoter ScoreSM and Net Promoter System SM are service marks of Bain & Company, Inc., NICE Systems, Inc., and Fred Reichheld. NPS refers to customer likelihood to recommend their MFI using a scale from 0-10
(where 0 is 'Not at all likely' and 10 is 'Extremely likely) and NPS is calculated by subtracting the percentage of Detractors (scores 0-6) from the percentage of Promoters (scores 9-10).
3. Refer to the glossary for source information.
4. CBA and Major Bank Peer reputation scores. Source: RepTrak, The RepTrak Company. Data is collected throughout the quarter and reported at quarter end from July 2020.
5. Surplus CET1 Capital in excess of APRA regulatory minimum of 10.25% under the revised capital framework effective from 1 January 2023.
6. Represents shareholder returns over 1H24 (2H23 dividend and buy-back).
7. CBA generates returns to over 850,000 direct shareholders and indirectly to over 12 million Australians through their superannuation.
Slide 17
1. Refer to the glossary for source information.
2. Total retail transaction accounts, excluding offset accounts.
3. Business deposits source: spot balance growth of total interest bearing and non-interest bearing deposits in Business Banking divisional performance.
4. CBA Business lending multiple is based on Business Banking growth rate (excluding Institutional Banking and Markets) over published APRA and RBA Total Business Lending data (excluding estimated Institutional Lending balances).
5. Cumulative funding contribution is calculated as the difference between the spot balance growth in interest earning lending assets and deposits, as reported over the period from June 2018 to December 2023.
6. Camorra Retail Market Monitor NPS. Shown on a 12 month roll, peers include ANZ, BNZ, Kiwibank and Westpac. Kantar Business Finance Monitor NPS. Includes All Businesses ($0-$150m) and Agri ($100k+). Shown on a 4 quarter roll.
7. Based upon RBNZ lending by purpose and deposits by sector data.
8. Includes institutional deposits.
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