• CBA's CET1, Tier 1 and Total Capital ratios at 12.3%, 13.8% and 20.6% respectively
• Leverage ratio at 4.7%, LCR at 132% and NSFR at 117%
• Adoption of revised APS 117 framework for IRRBB effective 1 October 2025

The Commonwealth Bank of Australia (CBA) has released its 2026 Half Year Basel III Pillar 3 Disclosure, providing detailed information on the Group's capital adequacy, risk-weighted assets, leverage, and liquidity ratios. As at 31 December 2025, CBA's Common Equity Tier 1 (CET1), Tier 1 and Total Capital ratios were 12.3%, 13.8% and 20.6% respectively, well above APRA's regulatory requirements. The Group's leverage ratio was 4.7%, the Liquidity Coverage Ratio (LCR) averaged 132% in the December 2025 quarter, and the Net Stable Funding Ratio (NSFR) was 117% at the end of the period. CBA also adopted the revised APS 117 Capital Adequacy: Interest Rate Risk in the Banking Book framework effective 1 October 2025, which resulted in a reduction of around $10 billion in IRRBB risk-weighted assets. The Group continues to actively manage its capital through various initiatives, including the ongoing $1 billion on-market share buyback program. CBA also notes upcoming regulatory changes, including the phasing out of Additional Tier 1 Capital instruments and revisions to the New Zealand bank capital adequacy requirements.