Capability and scale to support your organisation

  • Our Institutional Bank builds deep relationships with large private and public sector organisations, providing you with bespoke solutions that meet your complex needs.

    This is delivered through a full range of financial markets capabilities, capital raising solutions, transaction banking services and risk management products and services.

    We work with Australian clients across global markets and connect international clients to opportunities in Australia and beyond, through our offices in Europe, the US and Asia Pacific.  

A brighter Australia starts here

We’re helping businesses make an impact through bespoke capital solutions, actionable data and insights and sustainability-linked loans that encourage better social and environmental outcomes.

Multicoloured balls rolling down some stairs

Could a loan bring a more diverse workforce?

Our Institutional Business is helping Wesfarmers meet its indigenous employment targets, and create 3000 jobs, with a sustainability linked loan.

Mother and daughter hugging at the airport

How can we think about finance differently?

Commonwealth Bank and Queensland Airports Limited delivered the first corporate loan directly linked to the reduction of carbon emissions at Gold Coast Airport.

Data-led insights, new solutions, global reach

Identifying new ways to create value for your customers and enhance commercial outcomes is crucial to business success. This requires partnerships that help you see and solve problems differently and with the right capability to execute.

Data and analytics

Data-led insights can enable better decision-making. As custodian of Australia’s largest customer transactional data set with advanced analytics capabilities, our experts can identify unrealised opportunities to create value from banking data.

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Sustainable finance & ESG

With heightened attention on organisations’ environmental, social and governance performance, linking your business’ sustainability progress with its financing needs offers both commercial and community benefits. Financing solutions designed to deliver a more positive environmental and social impact can make a real difference to our world.

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Global connectivity

Digital connections have accelerated innovation across industries, sectors and locations. We transfer knowledge from across our global network to help clients unlock opportunities to grow locally, and around the world. Through our global presence, we can connect clients to innovative solutions that may exist beyond their current horizon.

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Banking solutions

We partner with organisations to deliver innovative and integrated solutions that are tailored to your business’ ambitions for growth and efficiency. Solutions span working capital, payments capabilities, global markets, and capital raising and lending, to manage cash flow and risk, and fund growth.

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Sustainable solutions

Sustainable finance & ESG

Our Sustainable finance and ESG team supports clients in taking actions that drive better environmental, social (ESG) outcomes, by linking their sustainability strategy to their financing arrangements.

Key capabilities include structuring and facilitating:

  • Use of Proceeds Instruments – the proceeds of capital are used to finance new or existing projects or activities display green and/or social characteristics. For example, a Green Loan, Social Bond or Sustainability Loan.
  • Sustainability-Linked Instruments – proceeds from financing are available for general corporate purposes, with the cost of funding tied to agreed targets that drive improved environmental or social outcomes. For example a Sustainability-Linked Bond, Loan or Derivative.

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Carbon markets

Our carbon markets team enables financing and risk management solutions across global carbon markets that support our clients to implement their climate strategies.

Capabilities include:

Supporting project developers:

  • Finance the upfront costs of setting up carbon harvesting on your land
  • Manage price risk in the carbon market
  • Act as an intermediary so you can gain exposure to carbon credit development and acquire Australian Carbon Credit Units (ACCUs)

Supporting businesses:

  • Provide upfront financing for the stream of ACCUs. The ACCUs can be sold to the market, to us, or used to offset your company’s carbon emissions profile
  • Facilitate your ACCU purchases
  • Surrender ACCUs on your behalf

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Green & sustainable trade

We are proud to be a leader in supporting underlying trade transactions that facilitate positive environmental, social or governance impacts.

Financing structures and types include:

Green trade finance – trade financing that supports activities that lead to improved sustainability outcomes, with solutions including:

  • Guarantees 
  • Letters of credit 
  • Stand-by letters of credit
  • Trade finance loans

Sustainability-linked trade finance – we provide working capital and documentary trade solutions (import/export) that offer financial incentives triggered by meeting jointly agreed sustainability performance targets. These facilities help our clients align their financial arrangements with their sustainability strategies and to take actions that drive improved environmental, social (ESG) outcomes.

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Unique insights and research

Things you should know

  • As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances. View our Financial Services Guide (PDF). Commonwealth Bank of Australia ABN 48 123 123 124. AFSL and Australian credit licence 234945.