• Strengthened customer support, including over 65,000 tailored payment arrangements and 3 million customers using digital money management tools
• Invested $450 million to protect customers from fraud, scams, and financial crime, reducing customer scam losses by over 70%
• Lent $21 billion to businesses and helped over 70,000 households buy a home

CBA delivered a solid set of results for the 1H25, with cash NPAT up 2% and operating income growing 6%. The bank maintained a disciplined approach to volume growth, with stable underlying margins. Operating expenses increased 3%, reflecting higher inflation and increased investment in technology and frontline staff. The bank continued to strengthen its customer support, providing over 65,000 tailored payment arrangements and seeing more than 3 million customers using digital money management tools monthly. CBA also invested $450 million to protect customers from fraud, scams, and financial crime, reducing customer scam losses by over 70%. The bank lent $21 billion to businesses to help them grow and assisted over 70,000 households buy a home. CBA further strengthened its balance sheet and returned $4 billion to shareholders, benefiting over 13 million Australians. The bank maintained its leadership in customer experience, with top Net Promoter Scores across key segments, and continued to leverage technology, data, and AI to provide superior customer experiences.

CBA expects to maintain a CET1 ratio above 11% and deliver sustainable returns, with a focus on supporting customers and the Australian economy.

The bank remains well-positioned to navigate the current economic environment, with a strong balance sheet, disciplined approach to risk management, and continued investment in technology and customer support. CBA is focused on delivering superior customer experiences, growing the economy, and being there for its customers and communities when they need it most.