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Watch Commonwealth Bank CEO Matt Comyn talk to today's announcement, rate cuts, the economic outlook for Australia and the importance of productivity.
Watch Commonwealth Bank CEO Matt Comyn talk to today's announcement, rate cuts, the economic outlook for Australia and the importance of productivity.
“This year we have continued to execute our strategic priorities, maintain strong operational performance and deliver consistently for our customers and shareholders. The operating context has been characterised by a rise in global macroeconomic uncertainty, increased geopolitical risk and continued domestic competitive intensity.”
“We have maintained our focus on supporting customers, particularly those still finding it tough dealing with cost-of-living pressures. Pleasingly, many households have seen a rise in disposable incomes due to the recent relief from reduced interest rates, lower inflation and tax cuts.”
“We have strengthened our focus on our customers’ experience to deliver value and deepen our relationship with them. We remain the main financial institution for one in three Australian consumers and one in four Australian businesses. With persistently high levels of fraud, scams, cyber threats and financial crime it is critical that we become a simpler, safer and better bank. As a result, we have accelerated our technology modernisation agenda.”
"We maintain prudent balance sheet settings over the long term so we can withstand uncertainty and volatility in the short term. Our strong financial position enables us to continue supporting our customers, investing for the future and delivering sustainable returns for our shareholders. We have declared a final dividend of $2.60 per share, fully franked, taking our dividend for the full year to $4.85."
"Despite global uncertainty, the Australian economy has remained resilient, with strong fundamentals including a healthy labour market, steady immigration and ongoing public sector investment. Even though sentiment remains subdued, we expect economic growth to improve modestly as the year progresses. We will play our part to help the nation prosper by lending to productive parts of the economy, advocating for national policy settings that help build a brighter future for all Australians and maintaining conservative financial settings that ensure we are well prepared for a range of economic scenarios."
Commonwealth Bank CEO Matt Comyn comments on today's results announcement:
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See more documents and webcasts for full year and half year financial results on CBA's Investor Centre.
$10,133m Statutory NPAT
$10,252m Cash NPAT, up 4% on FY24
Net profit after tax (NPAT) was supported by lending volume growth in our core businesses, stable underlying net interest margin and a lower loan impairment expense. This was partly offset by higher operating expenses due to inflation and accelerated investment.
$4.85 Per share, fully franked, up 4% on FY24
The final dividend was $2.60 per share, delivering a total FY25 dividend per share of $4.85, fully franked. The full year dividend payout ratio is 79% of cash NPAT, near the upper end of our target payout range. The Dividend Reinvestment Plan continues to be offered to shareholders and is expected to be satisfied through the on-market purchase of shares.
2.08%, 9bps up on FY24
Excluding the mix effect of lower liquid assets and institutional pooled facilities, margins improved by 2bpts. The modest increase was primarily due to higher earnings on capital and replicating portfolio hedges, partly offset by the impact of increased competition on deposit pricing.
12.3% (APRA Level 2) 18.7% (International), flat on June 2024
The Group’s Common Equity Tier 1 (CET1) ratio of 12.3% was well above APRA’s minimum regulatory requirement of 10.25% at all times throughout the year and was supported by underlying earnings. As at 30 June 2025, the Bank has completed $300 million of the announced $1 billion on-market share buy-back. The buy-back period has been extended by an additional 12 months to allow for flexibility in execution and remains subject to market conditions.
78% Deposit funding ratio (78% Jun 24)
Deposit funding remained strong at 78% of total funding, underpinned by a significant proportion of our funding requirements being met through stable retail and business customer deposits. Long-term wholesale funding accounted for 69% of total wholesale funding (up from 66% at Jun 24) and a portfolio weighted average maturity of 5.1 years remains conservatively positioned.
$726 million, Loan loss rate 7bpts, 9% down on FY24
Loan impairment expense decreased reflecting lower loss experience and improved economic conditions. This was partly offset by the impact of an uncertain economic outlook due to rising global trade and geopolitical tensions. Home loan arrears stabilised in the June quarter and 85% of home loan customers are now in advance of their scheduled repayments. Provision coverage remains strong at 1.60% of credit risk weighted assets. We now carry a ~$2.6 billion buffer relative to the losses expected under our central economic scenario.
Spending and saving patterns a year on – households see some light
After four years of cost-of-living challenges, there are signs that the financial pressures are beginning to ease says CBA CEO Matt Comyn.
RBA cuts rates, one more to come: CBA Economists
CBA economists expect the next RBA cash rate cut will come in November.
Our updated E&S Framework and climate disclosures
As extreme weather events continue to impact the livelihoods, safety and wellbeing of our customers, communities and our people, we remain committed to helping our customers and supporting Australia’s transition to net zero by 2050.
Photos from the FY25 investor briefing to come.
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Financial results hub
An overview of past news about Commonwealth Bank's full- and half-year financial results.
