Financial Ratios Commonwealth Bank of Australia

Equities

CBA

AU000000CBA7

Banks

Delayed Australian S.E. Other stock markets 01:13:07 2024-09-17 am EDT			5-day change	1st Jan Change
143.46 ^AUD	+0.33%		-0.19%	+28.35%

01:08am	CommBank Launches Generative AI Collaboration with Amazon Web Services	MT
Sep. 13	Fitch Assigns 'AAA' Rating to Commonwealth Bank of Australia's 1.5-Billion-Euro Series 118 Mortgage Covered Bonds	MT

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Published financial data: COMMONWEALTH BANK OF AUSTRALIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2020	2021	2022	2023	2024
Interest Income On Loans	29.73B	24.45B	23.99B	43.18B	57.4B
Interest Income On Investments	436M	210M	306M	1.29B	3.65B
Interest Income, Total	30.16B	24.66B	24.29B	44.48B	61.04B
Interest On Deposits	11.55B	5.82B	4.82B	21.42B	38.22B
Interest Expense, Total	11.55B	5.82B	4.82B	21.42B	38.22B
Net Interest Income	18.61B	18.84B	19.47B	23.06B	22.82B
Trust Income	173M	165M	135M	-	-
Income From Trading Activities	-	-	-	-	1.12B
Gain (Loss) on Sale of Assets	32M	-4M	12M	-4M	-2M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Income (Loss) on Equity Invest. (Income Block)	170M	599M	1.01B	113M	-95M
Total Other Non Interest Income	5.03B	4.93B	4.44B	4.37B	3.07B
Non Interest Income, Total	5.41B	5.69B	5.6B	4.48B	4.1B
Revenues Before Provison For Loan Losses	24.02B	24.53B	25.08B	27.54B	26.92B
Provision For Loan Losses	2.52B	554M	-357M	1.11B	802M
Total Revenues	21.5B	23.97B	25.43B	26.43B	26.12B
Salaries And Other Employee Benefits	5.65B	5.95B	6.47B	7.12B	7.36B
Stock-Based Compensation (IS)	103M	100M	111M	123M	130M
Amort. of Goodwill & Intang. Assets	710M	535M	372M	395M	685M
Occupancy Expense	1.06B	1.16B	978M	950M	995M
Selling General & Admin Expenses, Total	2.17B	2.58B	2.66B	2.5B	2.39B
Total Other Non Interest Expense	976M	1.02B	649M	779M	658M
Non Interest Expense, Total	10.66B	11.35B	11.25B	11.86B	12.22B
EBT, Excl. Unusual Items	10.84B	12.62B	14.19B	14.57B	13.9B
Restructuring Charges	-34M	-126M	-181M	-221M	-119M
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-326M	-121M	-321M	-6M	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	10.48B	12.38B	13.68B	14.34B	13.78B
Income Tax Expense	3.02B	3.53B	4.01B	4.16B	4.3B
Earnings From Continuing Operations	7.46B	8.84B	9.67B	10.19B	9.48B
Earnings Of Discontinued Operations	2.18B	1.34B	1.1B	-98M	-87M
Net Income to Company	9.63B	10.18B	10.77B	10.09B	9.39B
Minority Interest	-	-	-	-	-
Net Income - (IS)	9.63B	10.18B	10.77B	10.09B	9.39B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	9.63B	10.18B	10.77B	10.09B	9.39B
Net Income to Common Excl. Extra Items	7.46B	8.84B	9.67B	10.19B	9.48B
Per Share Items
Net EPS - Basic	5.45	5.75	6.25	5.97	5.62
Basic EPS - Continuing Operations	4.22	4.99	5.62	6.03	5.67
Basic Weighted Average Shares Outstanding	1.77B	1.77B	1.72B	1.69B	1.67B
Net EPS - Diluted	5.24	5.4	6.01	5.84	5.58
Diluted EPS - Continuing Operations	4.09	4.71	5.41	5.89	5.63
Diluted Weighted Average Shares Outstanding	1.9B	1.93B	1.83B	1.8B	1.78B
Normalized Basic EPS	3.83	4.45	5.15	5.39	5.19
Normalized Diluted EPS	3.57	4.08	4.84	5.06	4.87
Dividend Per Share	2.98	3.5	3.85	4.5	4.65
Payout Ratio	79.19	40.59	60.67	70.54	81.15
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	28.82	28.54	29.31	28.97	31.21
Current Domestic Taxes	3.02B	3.12B	3.04B	3.58B	3.5B
Current Foreign Taxes	577M	568M	727M	697M	666M
Total Current Taxes	3.59B	3.69B	3.77B	4.28B	4.16B
Deferred Domestic Taxes	-557M	-119M	213M	-118M	144M
Deferred Foreign Taxes	-17M	-39M	26M	-7M	-6M
Total Deferred Taxes	-574M	-158M	239M	-125M	138M
Normalized Net Income	6.77B	7.89B	8.87B	9.11B	8.69B
Non-Cash Pension Expense	259M	-15M	-13M	-26M	-31M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	103M	100M	111M	123M	130M
Total Stock-Based Compensation	103M	100M	111M	123M	130M

Fiscal Period: June	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	27.31B	87.38B	119B	107B	47.32B
Investment Securities, Total	105B	103B	124B	135B	180B
Trading Asset Securities, Total	76.58B	58.06B	60.99B	52.52B	50.97B
Mortgage Backed Securities	-	4.28B	3.22B	2.03B	1.24B
Total investments	181B	166B	188B	190B	233B
Gross Loans	779B	818B	885B	933B	950B
Allowance For Loan Losses	-6.24B	-6.1B	-5.23B	-5.79B	-5.91B
Other Adjustments to Gross Loans	-884M	-810M	-879M	-1.38B	-1.83B
Net Loans	772B	811B	879B	926B	942B
Gross Property Plant And Equipment	9.26B	9.23B	9.26B	9.7B	7.81B
Accumulated Depreciation	-3.66B	-3.94B	-4.38B	-4.75B	-4.13B
Net Property Plant And Equipment	5.6B	5.28B	4.89B	4.95B	3.68B
Goodwill	5.28B	5.32B	5.3B	5.3B	5.28B
Other Intangibles, Total	1.66B	1.62B	1.6B	2.1B	2.32B
Accrued Interest Receivable	1.9B	1.69B	1.99B	3.81B	4.45B
Other Receivables	3.02B	2.14B	1.46B	1.43B	1.17B
Restricted Cash	7.42B	4.16B	5.88B	5.24B	5.07B
Other Current Assets, Total	2.1B	1.67B	1.81B	550M	1.5B
Deferred Tax Assets Long-Term (Collected)	2.06B	2.07B	3.17B	3.81B	3.77B
Other Long-Term Assets, Total	4.87B	3.64B	2.99B	2.43B	4.78B
Total Assets	1,014B	1,092B	1,215B	1,253B	1,254B
Liabilities
Accrued Expenses, Total	1.74B	2.03B	3.96B	4.34B	4.35B
Interest Bearing Deposits	565B	633B	681B	745B	768B
Institutional Deposits	43.8B	-	-	-	-
Non-Interest Bearing Deposits	76.92B	114B	144B	120B	111B
Total Deposits	685B	747B	824B	864B	879B
Short-Term Borrowings	65.84B	40.73B	87.65B	70.7B	90.36B
Current Portion of Long-Term Debt	18.76B	45.59B	42.34B	38.27B	42.78B
Current Portion of Leases	543M	492M	489M	477M	446M
Long-Term Debt	151B	160B	164B	182B	136B
Long-Term Leases	2.57B	2.68B	2.44B	2.25B	2.01B
Current Income Taxes Payable	795M	135M	263M	671M	503M
Accrued Interest Payable	1.69B	1.13B	1.48B	5.38B	7.23B
Other Current Liabilities - (Bank / Utility Template)	8.89B	7.2B	10.18B	8.09B	13.61B
Unearned Revenue Non Current	1.42B	1.44B	912M	872M	763M
Pension & Other Post Retirement Benefits	1.04B	1.14B	1.09B	1.08B	1.11B
Deferred Tax Liability Non-Current	30M	228M	150M	138M	111M
Other Non Current Liabilities	2.97B	2.96B	3.03B	2.41B	2.43B
Total Liabilities	942B	1,013B	1,142B	1,181B	1,181B
Common Stock, Total	38.28B	38.55B	36.61B	34.08B	33.79B
Retained Earnings	31.21B	37.04B	36.83B	39.8B	41.6B
Treasury Stock	-151M	-126M	-141M	-162M	-158M
Comprehensive Income and Other	2.67B	3.25B	-460M	-1.71B	-2.15B
Total Common Equity	72.01B	78.71B	72.83B	72B	73.09B
Minority Interest	5M	5M	5M	5M	-
Total Equity	72.01B	78.72B	72.84B	72B	73.09B
Total Liabilities And Equity	1,014B	1,092B	1,215B	1,253B	1,254B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.77B	1.77B	1.7B	1.67B	1.67B
ECS Total Common Shares Outstanding	1.77B	1.77B	1.7B	1.67B	1.67B
Book Value / Share	40.73	44.41	42.84	43	43.71
Tangible Book Value	65.06B	71.77B	65.93B	64.61B	65.49B
Tangible Book Value Per Share	36.8	40.49	38.79	38.58	39.17
Tangible Book Value Per Share (As Reported)	36.4	40.1	38.7	38.5	39.1
Average Assets	1T	1,040B	1,149B	1,234B	1,267B
Average Loans	723B	735B	785B	837B	853B
Total Debt	238B	250B	297B	293B	272B
Deposits at Interest - Cash	1M	42M	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-679M	-521M	-580M	-648M	-436M
Net Debt	118B	91.82B	74.8B	85.24B	91.61B
Equity Method Investments, Total	3.03B	3.94B	2.8B	2.85B	1.67B
Full Time Employees	41.78K	44.38K	49.24K	32.23K	32.26K
Part Time Employees	-	-	-	6.66K	6.76K
Number Of Offices	-	-	-	-	-

Fiscal Period: June	2020	2021	2022	2023	2024
Net Income	9.63B	10.18B	10.77B	10.09B	9.39B
Depreciation, Depletion & Amortization	652M	1.43B	825M	709M	813M
Amortization of Goodwill and Intangible Assets - (CF)	178M	-	-	-	-
Total Depreciation, Depletion & Amortization	830M	1.43B	825M	709M	813M
Amortization of Deferred Charges, Total	705M	-	372M	395M	685M
(Gain) Loss On Sale of Asset - (CF)	-102M	-836M	-2.09B	-287M	223M
(Gain) Loss on Sale of Investments - (CF)	14M	-40M	-8M	7M	25M
Total Asset Writedown	326M	-	321M	6M	-
Provision for Credit Losses	2.52B	554M	-357M	1.11B	802M
(Income) Loss On Equity Investments - (CF)	-142M	-580M	-500M	-113M	95M
Change in Trading Asset Securities	-7.02B	-911M	14.59B	-36.87B	-11B
Changes in Accrued Interest Receivable	523M	213M	-162M	-1.8B	-645M
Changes in Accrued Interest Payable	-984M	-591M	316M	3.88B	1.85B
Change In Income Taxes	679M	-755M	97M	400M	-178M
Change In Deferred Taxes	94M	237M	-1.14B	-644M	39M
Change in Other Net Operating Assets (Collected)	-37.52B	-28.64B	-80.99B	-23.41B	-49.93B
Other Operating Activities	2.11B	-140M	1.46B	-239M	-336M
Net Cash From Discontinued Operations	-2.02B	-	-	-	-
Cash from Operations	-30.35B	-19.88B	-56.5B	-46.78B	-48.16B
Capital Expenditure	-910M	-235M	-231M	-683M	-401M
Sale of Property, Plant, and Equipment	200M	57M	108M	74M	25M
Cash Acquisitions	-	-61M	-	-	-9M
Divestitures	5.01B	682M	1.98B	567M	123M
Purchase / Sale of Intangible Assets	-682M	-532M	-746M	-885M	-921M
Investment in Marketable and Equity Securities, Total	-18M	832M	1.53B	-41M	-25M
Other Investing Activities, Total	95M	128M	30M	95M	94M
Cash from Investing	3.7B	871M	2.67B	-873M	-1.11B
Long-Term Debt Issued, Total	43.48B	74.95B	71.69B	59.5B	57.61B
Total Debt Issued	43.48B	74.95B	71.69B	59.5B	57.61B
Long-Term Debt Repaid, Total	-68B	-52.59B	-52.94B	-53.5B	-82.88B
Total Debt Repaid	-68B	-52.59B	-52.94B	-53.5B	-82.88B
Issuance of Common Stock	93M	5M	48M	-	-
Repurchase of Common Stock	-65M	-71M	-6.55B	-2.63B	-362M
Common Dividends Paid	-7.63B	-4.13B	-6.54B	-7.12B	-7.62B
Common & Preferred Stock Dividends Paid	-7.63B	-4.13B	-6.54B	-7.12B	-7.62B
Net Increase (Decrease) in Deposit Accounts - (CF)	69.21B	61.19B	79.74B	38.38B	22.54B
Other Financing Activities, Total	-115M	153M	-	-	-
Cash from Financing	36.98B	79.5B	85.45B	34.64B	-10.71B
Foreign Exchange Rate Adjustments	17M	-465M	355M	828M	138M
Net Change in Cash	10.34B	60.03B	31.98B	-12.18B	-59.85B
Supplemental Items
Cash Interest Paid	11.93B	6.42B	4.43B	18.21B	34.84B
Cash Income Tax Paid (Refund)	3.17B	3.67B	3.53B	3.87B	4.31B
Net Debt Issued / Repaid	-24.52B	22.36B	18.74B	6B	-25.27B

Fiscal Period: June	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.75	0.84	0.84	0.83	0.76
Return On Equity %	10.53	11.74	12.77	14.07	13.1
Return on Common Equity	10.54	11.74	12.77	14.07	13.1
Shareholders Value Added	1.34B	1.22B	1.79B	1.54B	785M
Margin Analysis
SG&A Margin	41.27	40.43	39.77	39.96	41.14
Net Interest Income / Total Revenues %	86.56	78.59	76.57	87.24	87.38
EBT Excl. Non-Recurring Items Margin %	50.41	52.65	55.78	55.13	53.22
Income From Continuing Operations Margin %	34.69	36.89	38.03	38.55	36.3
Net Income Margin %	44.81	42.47	42.35	38.18	35.97
Net Avail. For Common Margin %	34.69	36.89	38.03	38.55	36.3
Normalized Net Income Margin	31.51	32.91	34.86	34.46	33.26
Asset quality
Nonperforming Loans / Total Loans %