2014 Dashboard - Commonwealth Bank Group

Can,

Do:

Shareholder Review

2014

Our vision to excel at securing and enhancing the financial wellbeing of people, businesses and communities.

Dear

Shareholders.

We are pleased to report that the Commonwealth Bank of Australia delivered a statutory net profit after tax (NPAT) for the 2014 financial year of

$8,631 million, up 13%

on the prior year.

Find out more

What We

Value Most.

Accountability

Taking Ownership.

It’s about taking ownership: following up and delivering to our customers what we have promised them - day in, day out.

Jo,

Financial Services,
Performance Reporting

Service

Helping Others.

This is at the heart of everything we do and is what makes us a leading financial services organisation. We want to help our customers to achieve their goals and meet their needs.

David,

Wealth
Management

Service

Supporting

The Community.

We have been proudly helping Australian communities to grow for over 100 years. It is something we will keep doing because we want to continue to make a real difference.

Karl,

Retail Banking
Services

Integrity

Saying and Doing

What's right.

This means saying and doing what is right for our customers, our people, our community and our shareholders.

Joel,

Financial Services,
Decision Support

Collaboration

Working As

One Team.

We have a strong track record in delivering value to our customers and shareholders. What's our secret? We have over 52,000 people working together as a team.

Camilia,

Institutional
Banking & Markets

Excellence

Doing Your Best.

It's not just about having a mindset - it's also about consistently doing your best and continually striving to deliver a world-class service.

Lisa,

Enterprise Services

FY14

Financials.

Operating income ($M) June 2014

22,166

VS June 2013

7%

June 2014 June 2013
Statutory Npat ($M) 8,631 13%
Cash Earnings per Share (Cents) 535.9 11%
FULL YEAR DIVIDEND PER SHARE - FULLY FRANKED (CENTS) 401 10%

Cash Npat ($m) June 2014

8,680

VS June 2013

12%

Return on Equity (%)

18.7%

VS June 2013

+70BPTS

Highlights

Balance Sheet Growth

$52bnTo$705bn

Strong Balance Sheet growth with Average Interest Earning Assets up $52 billion to $705 billion.

Cost-to-income ratio

70bptsTo42.9%

Group cost-to-income ratio improves as productivity initiatives deliver tangible outcomes.

Customer Deposits

$34bnTo$439bn

Customer deposits up $34 billion to $439 billion – now represents 64% of Group total funding.

Capital Growth

110bptsTo9.3%,12.1%

Strong organic capital growth increases Common Equity Tier 1 Capital, both on an APRA basis and on a fully harmonised Basel III basis.

Investing in the future

$1.2billion

The Group continues to invest in the future ($1.2 billion in the 2014 financial year), with particular focus on technology and productivity.

World-Class

Technology.

New Commbank app

  • One app for all your banking needs
  • Quicker and easier banking
  • Make secure, contactless payments with just a simple tap of the phone

CommSec app

  • Trade when and where you want
  • Receive live market data
  • View all your holdings in a single page

CommBank Property Guide

  • View sales data on more than 80% of residential properties in Australia
  • Automated RP Data value guide
  • Comprehensive insights by suburb

Cardless Cash

  • Convenient access to cash from an ATM without a card
  • Withdraw up to $200 a day from over 3,000 CommBank ATMs
  • Simple process via the CommBank app

Lock & Limit

  • Choose to allow, block or limit transactions
  • Log in and change settings 24/7
  • 100% security guarantee

MyWealth

  • Trade and manage your Australian shares portfolio
  • Access your portfolio 24/7
  • Obtain market insights

Leo

  • Designed for medium to large-sized businesses
  • A fully mobile merchant terminal which pairs with your smart phone to allow on-the-spot secure payments
  • Offers business efficiencies and a tailored experience through a range of apps

Daily IQ

  • Available to all CommBiz customers on iPad
  • Keep an eye on your business anytime, anywhere
  • Receive industry and market updates

Emmy + Small Business app

  • Designed for smaller mobile businesses
  • Pairs with the CommBank Small Business app and turns your smartphone or tablet into a powerful payment tool
  • On-the-spot, secure payments and invoicing with built in email functionality

CommBiz Mobile app

  • Real-time account balances and transaction history
  • Make payments anytime, anywhere
  • Transfer funds between accounts