1H24 Financial Results
Sources and notes
Slide 22
1. Based on most active app users.
2. The total number of customers that have logged into the CommBank app at least once in the month of December 2023.
3. Uplift in the number of monthly logins for the 12 months to December 2023 vs the prior comparative period.
4. Refers to customers who have engaged with a CommBank Yello location (CommBank Yello hub, Offer hub or CommBank Yello offer Next Best Conversation) since launch. Homeowner Benefit Set launched nationally on 4 August 2023.
Everyday and Everyday Plus Benefit Set launched nationally on 6 November 2023.
5. Average daily number of customers that have visited the CommBank Yello hub in the CommBank app (post launch on 6 November 2023).
6. Refer to the glossary for source information.
7. The total value ($) of transactions made digitally via the CommBank app including debit transfers (NPP), BPay and home loan repayments.
8. The total number of customers that have logged into a core digital asset (NetBank or CommBank app. Excludes CommBiz) at least once in the month.
9. The total number of logins to core digital assets (NetBank or CommBank app. Excludes CommBiz) divided by the number of customers who have logged into a core digital asset in the month.
10. The total number of customers that have logged into the CommBank app at least once in the month.
11. CBA won Canstar's Bank of the Year - Digital Banking award for 2023 (for the 14th year in a row). Awarded June 2023.
12. CBA was awarded both the 'Most Innovative Major Bank' and 'Best Major Digital Bank' (for the 5th year in a row) at the DBM Australian Financial Awards 2023. Presented March 2023. Award is based on information collected from the
DBM Atlas research program - feedback from over 80,000 business and/or retail customers January through December 2022.
Slide 44
1. Represents an approximated distribution of 1H24 Group gross income (net of loan impairment) to our customers and stakeholders across Australia and New Zealand.
2. Includes interest paid on deposits.
3. Represents share of household deposits at December 2023. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS).
4. Includes payment of corporate tax, employee related taxes and Major Bank Levy.
5. Includes interest paid on offshore deposits and wholesale funding as well as earnings returned to shareholders.
6. Includes underlying costs incurred and payments made to our suppliers and partners.
7. Represents Business Bank Business lending, new funding and drawdowns for the six months to 31 December 2023.
8. Retail shareholder calculation is based on the number of shareholders who hold less than 10,000 shares.
Slide 57
1. Evident Al Index 2023 published by Evident Insights Index, November 2023.
2. Responses include user prompts and queries.
3. Data source: Customer Engagement Engine Reporting, July 2023 to December 2023.
4. Data source: Customer Engagement Engine Reporting.
5. June 2023 to November 2023.
6. 25 September 2023 to 19 October 2023.
7. Date range: 1 July 2023 to 31 December 2023, average per day. Data source Customer Engagement Engine Reporting.
8. Unique users interacting with the Quick Links bar in the app from 1 July 2023 to 20 November 2023.
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