• Supported customers with cost of living pressures
• Invested $450M to protect against fraud, scams and cyber crime
• Lent $21B to businesses and helped 70,000 households buy homes
• Returned $4B to shareholders, benefiting over 13M Australians

CBA has reported solid 2025 half-year results, with net profit after tax of $5,142 million, up 6% on the prior corresponding period. The bank's pre-provision profit was up 1%, reflecting operational performance across all frontline businesses. Net interest margin remained broadly stable, and operating expenses increased 6% mainly due to higher staff costs and additional investment in technology infrastructure and AI capabilities. Loan impairment expense decreased, reflecting disciplined credit practices, rising house prices, and lower expected losses in consumer finance. CBA has maintained a strong capital position with a CET1 capital ratio of 12.2%, well above regulatory requirements. The bank has returned $4 billion to shareholders through dividends and share buybacks, benefiting over 13 million Australians who own CBA shares directly or through their superannuation. CBA has also focused on supporting customers with cost of living pressures, providing over 65,000 tailored payment arrangements and connecting customers to $1.2 billion in grants, rebates and concessions. The bank has invested $450 million to protect customers against fraud, scams, and financial and cyber crime, leveraging AI to identify and alert customers of suspicious transactions. CBA has also lent $21 billion to businesses to help them grow and has helped more than 70,000 households buy a home in the first half of 2025.

CBA expects to operate with a post-dividend CET1 capital ratio of greater than 11.0%, except in circumstances of unexpected capital volatility.