• Strong balance sheet settings maintained with high capital, liquidity and deposit funding
• Unaudited cash NPAT of ~$2.7 billion, up 4% on the prior comparative quarter
• Disciplined volume growth across home lending, household deposits and business banking

Commonwealth Bank of Australia has reported its Q3 2026 trading update, highlighting its resilient balance sheet settings with strong levels of capital, liquidity, deposit funding and provisioning. The bank's unaudited statutory NPAT was ~$2.6 billion, while unaudited cash NPAT was ~$2.7 billion, down 1% on the 1H26 quarterly average but up 4% on the prior comparative quarter. Operating income was flat in the quarter, with higher net interest income offset by lower other operating income. The bank delivered disciplined volume growth across home lending, household deposits and business banking, with home loan new funding remaining strong at $45 billion in the quarter. Operating expenses excluding restructuring and notable items increased 1%, primarily driven by higher cloud computing volumes, software licensing and investment in AI capabilities. Loan impairment expense was $316 million, with higher collective provisions reflecting heightened geopolitical and macroeconomic uncertainty. The bank's CET1 (Level 2) ratio was 11.6% as at 31 March 2026, well above APRA's minimum regulatory requirement of 10.25%.

The Australian economy continues to demonstrate resilience, but supply chain disruptions, higher prices and interest rates are expected to weigh on household spending and business activity. The bank will continue to adjust its settings as appropriate and remain focused on executing its strategy to build a brighter future for all.