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Commonwealth Bank of Australia
Commonwealth Bank of Australia (CBA) investor relations material
Commonwealth Bank of Australia H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary10 Feb, 2026
Executive summary
Cash net profit after tax rose 6% year-over-year to $5.45bn, with statutory NPAT up 5% to $5.41bn, driven by strong operational performance and disciplined growth.
Interim dividend per share increased by 10c to $2.35, fully franked, with a payout ratio of 72–74% and 11th consecutive DRP neutralisation.
Return on equity (cash basis) increased 10 bpts to 13.8%, and cost-to-income ratio improved to 45.9%.
Strong liquidity, funding, and capital positions maintained, with CET1 capital ratio at 12.3%, well above regulatory minimums.
Market context featured high credit growth, low loan losses, supportive funding markets, and intense competition.
Financial highlights
Operating income grew 6.6% year-over-year to $15.02bn, with net interest income up 6% and other operating income up 8%.
Operating expenses rose 5–8% to $6.89bn, mainly due to inflation, technology investment, and customer remediation.
Loan impairment expense was $319 million, flat year-over-year, with a loan loss rate of 0.06%.
Net interest margin declined 4 bpts to 2.04%, impacted by competition and higher liquid assets.
Dividend payout ratio was 72–74% (headline/normalised basis).
Outlook and guidance
Economic growth is expected to remain resilient, driven by consumer demand and investment in AI and energy infrastructure, but inflation is projected to stay above target, keeping upward pressure on interest rates.
Management expects continued above-system growth in deposits and lending, supported by strong capital and balance sheet settings.
Ongoing focus on technology, AI, and digital investment to drive customer experience and operational resilience.
System credit growth is forecasted between 6% and 8% over the next couple of years, with some moderation if rates rise further.
Home lending competition's NIM impact
Provision buffer vs central economic scenario
GenAI and fraud prevention investment focus
Discuss AI's impact on deposit stickiness
Outlook for business banking growth and margins
Explain cost trajectory and capitalization rate
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Next Commonwealth Bank of Australia earnings date
H2 202612 Aug, 2026
Commonwealth Bank of Australia
Next Commonwealth Bank of Australia earnings date
H2 202612 Aug, 2026
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Frequently asked questions
The Commonwealth Bank of Australia provides integrated financial services, as well as a range of integrated financial services to retail, business, institutional, and corporate customers. Its Banking and Financial Services segment offers retail banking services, such as deposits, personal loans, credit cards and debit cards; commercial, transaction and other bank accounts; cash management accounts; and deposits in foreign currencies. The company was founded in 1911 and is based in Sydney, Australia.
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