Financial highlights

Statutory NPAT $8,843m
Dividend $3.50 per share, fully franked
Return on equity 11.5% cash basis
Common Equity Tier 1 capital ratio 13.1% APRA, Level 2

Balanced outcomes


Net Promoter Score

#1 mobile app NPS
#2 consumer NPS
#1 business NPS


RepTrak reputation score

Average of peer companies: 65.7

Our people

Employee engagement

Global 90th
percentile score: 83%


Total shareholder return

226% 10-year
72% 5-year
48% 1-year

Our business

A meaningful commitment

Delivering real impact.

Catherine Livingstone

Chairman’s message

''Our purpose has never been more relevant than over the past year as the Bank supported personal and business customers impacted by COVID-19.”

Catherine Livingstone AO

Full message

Matt Comyn

CEO’s message

''Reimagining what technology can do for our customers is a critical part of our strategy to build tomorrow’s bank today.”

Matt Comyn
Chief Executive Officer

Full message

Managing our strategic risks

Strengthening our risk management approach enables us to better support our customers and adapt our strategy to the challenges and opportunities from a changed operating environment.

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Our approach to governance

We are committed to continuously improving our governance practices and ensuring that they are aligned with our business and stakeholders’ needs.

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Our strategic priorities

We have worked hard to become a simpler, better bank and are now in a strong position to set a more ambitious agenda: building tomorrow’s bank today for our customers.

Leadership in Australia’s recovery and transition  

Help build a better future, together.

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Reimagined products and services

Create more value for customers.

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Global best digital experience

Build deep and trusted customer relationships.

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Simpler better foundations

Keep the Bank strong and safe.

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Our approach to sustainability

Focusing on sustainable practices, policies and decisions to create long-term value.


By taking action to help customers and businesses meet the challenges of climate change, we mitigate risk and generate opportunities.

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Delivering the right outcomes for our customers and supporting those experiencing vulnerability is critical to delivering on our purpose.

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Making a meaningful contribution to the communities in which we operate and continuing to build trust.

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Our people

Having an engaged, energised and accountable workforce ensures we deliver good customer outcomes.

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Good business practice

Conducting our business responsibly and transparently to deliver balanced and sustainable outcomes.

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Our performance

Financial performance

Our financial results for the 2021 financial year reflect the strength of our business and the disciplined execution of our strategy.

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Our financial performance in detail

Sustainability performance

To provide transparency for all our stakeholders, we set targets, measure and report on a range of customer, environmental, social and governance metrics.

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Things you should know

  • 2021 Annual General Meeting

    The 2021 Annual General Meeting was held on Wednesday, 13 October 2021. Learn more.