Commonwealth Bank of Australia (CBA) Q3 2026 TU earnings summary

Executive summary

• Unaudited statutory NPAT for the quarter was approximately $2.6 billion; unaudited cash NPAT was about $2.7 billion, down 1% on the 1H26 quarterly average and up 4% year-over-year.

• Operating income was flat, with lending and deposit volume growth offsetting the impact of two fewer days in the quarter.

• Disciplined execution of strategy focused on customer relationships and sustainable shareholder outcomes.

• $3.9 billion in dividends paid during the quarter, benefiting over 800,000 shareholders and 14 million Australians via superannuation.

Financial highlights

• Cash NPAT of ~$2.7 billion, down 1% sequentially, up 4% year-over-year.

• Operating performance up 1.7% sequentially and 5.6% year-over-year.

• Net interest income rose 1% due to deposit and lending volume growth, partly offset by competition and currency impacts.

• Loan impairment expense was $316 million, reflecting higher collective provisions for macroeconomic risks.

Outlook and guidance

• Expectation that higher prices and interest rates will weigh on household spending and business activity.

• Ongoing monitoring of Middle East conflict and macroeconomic environment; readiness to adjust settings as needed.