2025 Half Year Basel III Pillar 3 Disclosure

Key points

• Group's CET1, Tier 1 and Total Capital ratios at 12.2%, 14.1% and 20.7% respectively
• Leverage ratio at 4.9%, LCR at 127% and NSFR at 116%
• Ongoing investment in risk systems and management processes

Full summary

The Commonwealth Bank of Australia (CBA) has released its 2025 Half Year Basel III Pillar 3 Disclosure, reporting its capital adequacy, leverage and liquidity ratios as at 31 December 2024. As at that date, the Group's Common Equity Tier 1 (CET1), Tier 1 and Total Capital ratios were 12.2%, 14.1% and 20.7% respectively, well above APRA's regulatory requirements. The Group's leverage ratio was 4.9%, the Liquidity Coverage Ratio (LCR) was 127%, and the Net Stable Funding Ratio (NSFR) was 116%. CBA continues to invest in its risk systems and management processes to maintain its strong AA-/Aa2 credit rating. The Group's capital forecasting process and capital plans ensure a sufficient capital buffer is maintained at all times. CBA has a formal Risk Management Approach that creates clear obligations and transparency over risk management and strategy decisions, reflected in its overall asset quality and capital position.