Results Presentation CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL - PowerPoint PPT Presentation

Addit Additional ional Leading te Leading technolog hnology, , inno innova vativ tive e solutions solutions information information CommBank Better Video Essential Cardless Innovation app for Business conferencing Emmy Super Cash Lab launch smart Insights in branches Apr 2014 watches Jul 2013 May 2014 Oct 2014 Nov 2012 Jun 2013 Jun 2015 CommSec Touch ID New NetBank for CommBiz app for for Online CommBank mobile MyWealth Markets on Lock & Limit Apple CommBank origination app Android Feb 2013 mobile May 2014 Watch app Jun 2014 Dec 2013 / Feb 2011 Aug 2013 Jun 2015 Jun 2015 Jan 2014 Tap&Pay New PEXA full Everyday CommBiz Cancel and CommBank NFC with Daily IQ property settlement mobile Replace Oct app for Samsung & Mar 2014 settlement Oct 2011 Mar 2013 2014 tablets MasterCard Nov 2014 Jun 2015 Dec 2013 PayTag for Portfolio Small Real-time Android & Temporary View (App) Albert Pi & Leo UnionPay business banking iPhone Lock Jun 2015 Mar 2015 Dec 2012 Jul 2013 app Aug 2010 Dec 2013 / Oct 2014 Jun 2014 Jan 2014 16

Continuous Inno Continuous Innova vation tion 2015 2015 2013 2013 2011 2011  “Albert” Eftpos tablet MyWealth; Kaching for Facebook; CommBiz NetBank for mobile  Apps for Tablets & Smartwatches mobile; Union Pay; Video Conferencing in Android; Everyday  settlement branches; Essential Super; CommBiz Markets Portfolio View on mobile; Tap&Pay NFC with Samsung and  Real Time Alerts MasterCard; Everyday origination; SmartSign  Foreign Currency Accounts  Touch ID 2014 2014 2012 2012 PayTag for Android & iPhone; New CommSec app for Android; New CommBank app; DailyIQ; Lock & Limit; generation ATMs; Better Emmy; Cardless Cash; Small Business Business Insights; Pi and Leo app; Online origination; Innovation Lab; Cancel and Replace; Temporary Lock; PEXA settlement, TYME Based on calendar years 17

Addit Additional ional Key ey Tec echnolo hnology y Me Metrics trics information information Temporary Lock 1 Cardless Cash Lock, Block & Limit Number of accounts enrolled Total number of transactions Number of accounts enrolled 363K 2.7m 215K 57K 1.2m 16K 26K 0.1m Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 Cancel & Replace 1 CBA App CBA App Number of replacement requests Logons per week Transactions per week ($bn) 18m 3.0 105K 15m 2.5 10m 1.5 44K Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 1 Launched Oct 14 18

Inno Innova vating in T ting in Transaction ansaction Banking Banking Continuous Innovation Transaction Accounts Balance Growth FY15 • Cardless Cash 38% • Tap & Pay • Intelligent Deposit Machines • Real Time Alerts • Foreign Current Accounts 25% 24% Easy Account Opening • Real time online origination in 16% 1 less than 5 minutes 17% • Bankwest online application 10% 2 times reduced by 33% Ex 12% • Digital channels 12% of new offset accounts 1 accounts and growing • Real time funds transfer from another bank - start using your 3 account straight away RBS BPB IB&M BWA NZ 1 Personal Transaction accounts in RBS 2 Average application times for new customers. Reduction of 33% in FY15. 19 3 Excludes Cash Management Pooling Facilities (CMPF)

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Innova Inno vating in T ting in Transaction ansaction Banking Banking Real time alerts Foreign Currency Accounts ~50k 1 accounts ($3.2bn) Nov 14 Jul 15  Leveraging Core - real time alerts  Leveraging Core - originate & for business transaction account transact in real-time across devices customers  Integrated across platforms -  Alerts via SMS, email and App CommSee, CommBiz and NetBank Push Notifications 1 New and migrated accounts 21

Notes Note 22

Innova Inno vating f ting for Business or Business “Albert” CBA First Mar 15 Mar 15 • Global first-to-market EFTPOS tablet • Transforming the way merchants interact with their customers • Tailored customer experience, portable, secure, user-friendly • Over 3,000 devices in market across 2,500 merchants • 2,000+ developers in Pi Business Network, 30+ apps in development 23

Notes Note 24

Innova Inno vating Int ting Inter erna nationall tionally International Financial Services  Indonesia – new core, mobile, internet & funds platforms, data warehouse  New mobile apps in Indonesia and Vietnam (Cashflow, Workflow, BizLoan etc)  Partnership with FinTech Innovation Lab in Hong Kong  TYME – opportunities for mobile banking in developing markets 25

Add dditi ition onal al Productivity Pr oductivity metr metrics ics 3 info information rmation Customer Service Personal Loans Asset Finance Telling transactions per CSR per week % funded same day Credit approval time (minutes) +13% +12% (71%) +5% +7% (22%) 1 Jun 13 Jun 14 Jun 15 Jun 13 Jun 14 Jun 15 Jun 13 Jun 14 Jun 15 Bankwest Transaction Accounts Transaction Banking Home Insurance Claims turnaround time Online Accounts - average application time Business client on-boarding time (days) (minutes) (days) (39%) (33)% (34%) (19%) n/a* n/a* Jun 14 Jun 15 2 Apr 14 Jun 15 Dec 13 Jun 14 Jun 15 * Commenced Dec 13 * Commenced Apr 14 1. Comparative information has been restated to conform to presentation in the current period. 2. Commenced Dec 13. Data for 6 months to Dec 13. 26 3. Refer to notes page at back of presentation for productivity metrics.

Produc Pr oductivity tivity Cultural Change Embedded Group Cost-to-Income Productivity saving  >95% of staff trained $260m  Leadership focused Six 43.6% Training & Sigma training 42.9% Leadership 42.8%  Visual Management Boards FY13 FY14 FY15 1 Banking Cost-to-Income  $760m in benefits over Efficiency past 3.5 years  Process centricity, 40.2% standardised 39.2% Future 38.5% architecture, digitised workflows FY13 FY14 FY15 1 Includes RBS, BPB, IB&M, Bankwest and ASB. 27

Notes Note 28

Str Strength ength to suppor to support our customer t our customers Deposit Funding Wholesale Funding Tenor 1 % of Total Funding Years Portfolio Tenor 3.8 3.8 63% 64% 3.8 63% Jun 13 Jun 14 Jun 15 Jun 13 Jun 14 Jun 15 2 Liquidity 2 Capital Basel III Common Equity Tier 1 LCR 116% 120% 12.7% 139 136 132 9.3% 9.1% 8.2% 2 CLF 66 ($bn) 2,3 HQLA 66 assets Jun 13 Jun 14 Jun 15 Jun 15 Jun 14 Dec 14 Jun 15 4 APRA APRA APRA Int 1 Weighted Average Maturity of long term wholesale debt. Includes all deals with first call or residual maturity of 12 months or greater. 2 CBA provided with a CLF of $70bn for period 1 Jan 2015 to 31 Mar 2015 inclusive, after which the CLF is $66bn. The Exchange Settlement Account 29 (ESA) balance is netted down by the Reserve Bank of Australia open-repo of internal RMBS 3 Qualifying HQLA includes cash, Govt and Semi Govt securities. Also includes $5.6bn of RBNZ eligible securities 4 Analysis aligns with the APRA study entitled “International capital comparison study” (13 July 2015).

Notes Note 30

RESULTS PRESENTATION FOR THE FULL YEAR ENDED 30 JUNE 2015 DAVID CRAIG Results Presentation CHIEF FINANCIAL OFFICER For the half year ended 31 December 2009 10 February Commonwealth Bank of Australia ACN 123 123 124 2010 COMMONWEALTH BANK OF AUSTRALIA | ACN 123 123 124 | 12 AUGUST 2015

Addit Additional ional Non-ca Non cash sh it items ems information information $m Jun 15 Jun 14 Hedging and IFRS volatility  Unrealised accounting gains and losses arising from 6 6 the application of “AASB 139 Financial Instruments: Recognition and Measurement” Other  Bankwest non-cash items (52) (56)  Treasury shares valuation adjustment (28) (41)  Bell Group litigation - 25  Gain on sale of management rights - 17 (80) (55) Total (74) (49) 32

Cash Cash Pr Profit ofit up 5% up 5% Jun 15 vs Jun 15 Jun 14 $m Jun 14 Operating income 23,368 22,166 5% Operating expenses (9,993) (9,499) 5% Operating performance 13,375 12,667 6% Investment experience 210 235 (11%) Loan impairment expense (988) (953) 4% Tax and non-controlling interests (3,460) (3,269) 6% Cash NPAT 9,137 8,680 5% Statutory NPAT 9,063 8,631 5% 33

Addit Additional ional Othe Ot her Ban r Banking king I Inc ncome ome information information Other Banking Income Net Trading Income $m $m 241 281 443 420 508 414 513 492 4,156 4,323 4,839 558 30 26 188 250 227 1,005 922 52 163 863 44 189 158 87 124 1,050 120 1,083 1,053 251 267 289 293 280 320 334 321 2,226 2,130 1,990 (24) (43) (69) FY13 FY14 FY15 (90) (37) 1H12 2H12 1H13 2H13 1H14 2H14 1H15 2H15 Commissions Lending fees Trading income Other Trading Sales CVA / FVA 34

Operating Income Oper ting Income $m +5% Funds & Insurance (underlying 1 +4%) (underlying 1 +6%) Property non-recurring ($137m)  Underlying 1 FUA 14% 2,730 (1%) 2,752  ($108m) Insurance claims (weather events) 4,839 +12% 4,323 Other Banking Income (OBI)  FVA ($81m)  CVA $40m  Trading (ex FVA/CVA) 13%  OBI (ex Trading) 13% 15,799 15,091 +5% Net Interest Income  Volume 7%  Margin 5bpts  Jun 14 Jun 15 Margin (ex Treasury & Markets) 1bpt 1. Excluding Property 35

Addit Additional ional Grou Gr oup NIM p NIM information information bpts 12 Month Movement 214 (2) (8) 4 209 (1) (4) 6 ex Treasury 204 Group NIM  1bpt ex Treasury & Markets 203 & Markets FY14 FY14 Asset Funding Basis Portfolio Other Treasury FY15 FY15 pricing costs risk mix and Markets 36

Underlying Group NIM down 3bpts 1 bpts Group NIM (Six Months) bpts 214 209 6 Month Movement 204 204 204 201 Dec 13 Jun 14 Dec 14 Jun 15 12 month NIM 212 (1) (2) (1) 207 1 (2) ex Treasury 204 Group NIM  3bpts ex Treasury & Markets 201 & Markets 1H15 2H15 Dec 14 Asset Basis Portfolio Other Treasury Jun 15 pricing risk mix and Markets 1. Excluding Treasury and Markets 37

Notes Note 38

Operating Expenses $m Underlying 2H15: (0.6%) +5.2% Underlying +2.9% 9,993 (151) 347 (63) 9,779 185 Compliance: • Additional risk 9,499 investment (260) 222 Programs: • Advice Reviews • Cyber security Regulation: • AML FY14 Productivity Staff Other Compliance, FY15 Non-recurring FX FY15 FY14 FY15 FY15 costs Programs & Compliance, underlying Regulation Programs & Regulation 39

Additional Addit ional Wor orld ld class tec lass techn hnolog ology y & o & ope perati tion ons information information Putting the customer at the centre of everything we do Securing the Innovation Revitalised State-of-the- digital future Culture front-line art Core  Single view of  Legacy system  Simplicity and  Innovation Lab customer across replacement convenience anywhere,  CommBank and Small channels  Real-time banking anytime, any device Business apps  CommSee  Standardised platforms,  Straight-through  CommBiz & CommSec simplified processes  Revitalised Sales & processing  FirstChoice  Digitised workflows Service processes  Simplified  CommBiz Mobile  Customer insights architecture, building  Pi, Albert, Leo, Emmy agile, resilient through analytics  Apps for phones, tablets systems  Leading privacy, trust and smart watches and security 40

Continuing to invest Investment Spend Investment Spend % of total $m 1,286 1,246 1,237 1,182 1,179 Branches Core 11% 12% 16% & Other 1,036 Banking 639 12% 24% Risk & 651 655 593 30% Compliance 638 19% 563 65% Productivity 58% 647 53% & Growth 595 589 582 541 473 FY10 FY11 FY12 FY13 FY14 FY15 FY13 FY14 FY15 1 st Half 2 nd Half 41

Additi Add ition onal al Cred Cr edit it qu qualit ality informa info rmation tion Loan Impairment Expense (Cash) to Gross Loans Commercial Portfolio Quality 1 TCE ($bn) Consumer 2,3 bpts 400 Other 19 18 18 300 17 17 BBB 200 A 100 AAA/AA 0 FY11 FY12 FY13 FY14 FY15 Jun 13 Dec 13 Jun 14 Dec 14 Jun 15 Home Loan Arrears 4 Loan Impairment Expense (Cash) to Gross Loans bpts Corporate 2,5 90+ days Bankwest RBS 43 ASB 1.0% 24 6 23 6 13 11 0.0% Jun 13 Dec 13 Jun 14 Dec 14 Jun 15 FY11 FY12 FY13 FY14 FY15 1. Total Credit Exposure (TCE) = balance for uncommitted facilities or greater of limit or balance for committed facilities. Calculated before collateralisation. Includes Bank and Sovereign exposures. CBA grades in S&P equivalents. 2. Basis points as a percentage of average Gross Loans and Acceptances (GLA). 42 3. Represents Retail Banking Services, ASB Retail and Bankwest Retail. 4. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan (RBS only) and Residential Mortgage Group (RBS only) loans. 5. Represents Institutional Banking and Markets, Business and Private Banking, ASB Business, Bankwest Business and other corporate related expense. 6. Statutory LIE for FY13 26 bpts and FY14 11 bpts.

Sound credit quality Group Consumer Arrears Loan Impairment Expense (Cash) 90+ days CBA Group 1.34% (basis points) 1 1.23% 1.20% 2 73 1.05% 1.02% 1.01% 0.52% 0.62% 0.50% Personal Loans Credit Cards Home Loans 4 Jun 13 Dec 13 Jun 14 Dec 14 Jun 15 3 41 Troublesome and Impaired Assets $bn 9.5 8.2 25 7.0 4.3 6.5 21 6.0 3 20 3.9 3.4 3 16 16 3.4 2.9 5.2 4.3 3.6 3.1 3.1 FY09 FY10 FY11 FY12 FY13 FY14 FY15 Jun 13 Dec 13 Jun 14 Dec 14 Jun 15 Pro Forma Commercial Troublesome Group Impaired 1 Basis points as a percentage of average Gross Loans and Acceptances (GLA) 2 FY09 includes Bankwest on a pro-forma basis and is based on impairment expense for the year 43 3 Statutory Loan Impairment Expense (LIE) for FY10 48 bpts, FY13 21 bpts and FY14 16 bpts 4 Excludes Reverse Mortgage, Commonwealth Portfolio Loan (RBS only) and Residential Mortgage Group (RBS only) loans

Additional Pr Provision co vision cover erage ge information Collective Provisions 1 to Credit RWA 2 CBA Peer 1 1.5% Peer 2 Peer 3 1.0% 0.5% FY09 FY10 FY11 FY12 FY13 FY14 FY15 Total Provisions 1 to Credit RWA 2 2.5% CBA Peer 1 Peer 2 Peer 3 2.0% 1.5% 1.0% FY09 FY10 FY11 FY12 FY13 FY14 FY15 Charts based on financial year data (CBA: 31 December and 30 June, Peers: 31 March and 30 September). 1 Provisions do not include General Reserve for Credit Losses, equity reserves or other similar adjustments. 44 2 All ratios subsequent to 1 January 2013 are based on Basel III credit RWA, all ratios prior to this date are based on Basel II/Basel 2.5 credit RWA.

Provisions Individual Provisions Collective Provisions $m $m 2,858 2,779 2,762 1,628 Overlay Economic 823 762 755 overlay portion 659 increased 1,127 264 347 419 Bankwest 887 389 157 981 267 941 909 128 Consumer 128 812 610 492 Commercial 762 729 707 Jun 13 Jun 14 Jun 15 Jun 13 Jun 14 Jun 15 45

Addit Additional ional RBS RBS information information Retail Banking Services Home Loan Market Share CBA Peer 1 FY15 vs $m FY15 Peer 2 Peer 3 FY14 28% Home loans 3,676 0% 26% 25.1% Consumer finance 2,456 6% 24% Retail deposits 2,749 14% 22.9% 22% Distribution 395 1% 20% Other 161 (14%) 18% Total banking income 9,437 5% 16% 15.6% Operating expenses (3,293) 4% 14.5% 14% Operating performance 6,144 5% 12% Loan impairment expense (626) 8% 10% Tax (1,651) 5% Jun 07 Jun 15 Cash net profit after tax 3,867 5% Source: RBA/APRA. CBA includes Bankwest 46

Retail etail Banking Banking Ser Services vices FY15 vs FY14 Cost-to-Income Ratio Segment Income Operating Performance (170 bpts) 14% 36.6% 35.2% 6% 34.9% 5% 5% 4% 0% Home Consumer Retail Income Costs Operating Jun 13 Jun 14 Jun 15 loans finance deposits performance Jun 13 has been restated to conform to presentation in the current period RBS Margin Retail Deposit Mix bpts $bn 213 196 270 +38% 26 237 244 249 257 262 260 256 19 Transactions 253 248 247 60 49 Online 1 Savings & 128 127 Investments 1H07 1H08 1H09 1H10 1H11 1H12 1H13 1H14 2H14 1H15 2H15 Jun 14 Jun 15 1. Online includes NetBank Saver, Goal Saver and Business Online Saver 47

Addit Additional ional Cor Corpo porate te information information Business & Private Banking Institutional Banking & Markets FY15 vs FY15 vs $m FY15 $m FY15 FY14 FY14 Corporate Financial Services 1,278 7% Institutional Banking 2,107 4% Markets Regional and Agribusiness 647 2% 712 12% Local Business Banking 1,048 3% Private Bank 325 9% CommSec 338 10% Total banking income Total banking income 3,636 5% 2,819 6% Operating expenses (1,013) 7% Operating expenses (1,397) 4% Operating performance 1,806 5% Operating performance 2,239 6% Loan impairment expense (167) large Loan impairment expense (152) (36%) Tax (371) (10%) Tax (628) 12% Cash net profit after tax 1,268 Cash net profit after tax 1,459 10% 1% 48

Corpor Cor porate te BPB – FY15 vs FY14 IB&M – FY15 vs FY14 Segment Income Operating Performance Segment Income Operating Performance 17% 9% 10% 12% 7% 6% 7% 6% 5% 5% 4% 2% 3% 4% Income Costs Operating Income Costs Operating CFS RAB LBB Private Comm Institutional Markets Markets performance performance Bank Sec Banking (incl CVA / (ex CVA / FVA) FVA) Australian Business Lending Growth 1 NIM 2 12 months to Jun 15 bpts 183 183 179 4.8% 4.8% ex 176 174 172 4.3% Markets Jun 14 Dec 14 Jun 15 System BPB IB&M 1 Spot balance growth twelve months to June 15. Source RBA. IB&M represents Core Domestic Lending balance growth and excludes Cash Management Pooling Facilities (CMPF). 49 2 Combined Institutional Banking and Markets and Business and Private Banking

Addit Additional ional Wea ealt lth h Man Manage gemen ment 1 information information Annual Inforce Premiums Wealth Management $m +7% FY15 vs $m FY15 FY14 36 129 (7) CFSGAM 847 15% 2,467 2,309 Colonial First State (CFS) 2 866 5% CommInsure (CI) 636 (10%) Jun 14 Retail General Wholesale Jun 15 Life Insurance Life Spot Total operating income 2,349 3% Strong Investment Performance – 3 years Operating expenses (1,726) 13% 93% 100% 100% 100% 100% 94% 100% 90% 85% 84% Tax (148) (19%) 54% Underlying profit after tax 475 (17%) Investment experience 175 48% Infra Realindex Weighted Cash First Global Fixed Core Growth Global Property structure Average State interest securities infra- resources Cash net profit after tax 650 (6%) funds Stewart structure securities Percentage of funds in each asset class outperforming benchmark 1 Excludes Property - The Property transactions were completed and businesses were exited during the 30 June 2014 financial year 2 Colonial First State incorporates the results of all Wealth Management financial planning businesses 50

Wealth ealth Mana Manageme gement nt 1 FY15 vs FY14 FUA 4 $bn Segment Income 2 Operating Performance +12% 15% 27.1 3.1 284 13% 253 5% 3% Operating CI performance CFSGAM Income 2 Costs 3 CFS Investment Jun 14 Net flows Jun 15 returns and FX (10%) (17%) Spot General Insurance Claims CFSGAM Funds Performance Net Claims $ 90% 89% 85% 84% 79% 75% FY10 - FY14 average event +$108m claims ($44m) FY10 FY11 FY12 FY13 FY14 FY15 1H13 2H13 1H14 2H14 1H15 2H15 3 year rolling average of percentage of funds outperforming benchmark returns 1 Excludes Property - The Property transactions were completed and businesses were exited during the 30 June 2014 financial year 2 Total operating income 51 3 Operating expenses AUM and FUA includes Realindex Investments and excludes the Group’s interest in the First State Cinda Fund Management Company Limited 4

Addit Additional ional Fund Fu nding ing information information Australian Deposits Term Maturity Profile 1 $bn $bn Total Deposits Weighted Average Maturity 3.8yrs ( excl CD’s) 35 411 30 342 25 288 Other 200 20 deposits 231 15 10 211 Household 5 deposits CBA Peer 3 Peer 2 Peer 1 FY2016 2017 2018 2019 2020 >2020 Long Term Wholesale Debt Covered Bond Source : APRA. CBA includes Bankwest Funding Costs 2 Term Issuance $bn Indicative Long Term Wholesale Funding Costs FY14 FY15 FY13 $38bn $31bn $25bn 120 25 100 87 100 Margin to BBSW 20 72 80 15 84 49 60 70 10 40 26 55 38 17 14 13 5 20 25 8 3 0 - 1 year 2 year 3 year 4 year 5 year Dec 12 Jun 13 Dec 13 Jun 14 Dec 14 Jun 15 Jun 07 Jun 14 Jun 15 Domestic Offshore Private Offshore Public 1 Maturity profile includes all long term wholesale debt. Weighted Average Maturity of 3.8 years includes all deals with first call or residual maturity of 12 months or greater. 52 2 CBA Group Treasury estimated blended wholesale funding costs

Funding and Fundin g and Liqui Liquidit dity 1 Funding Liquidity Coverage Ratio $bn $bn Source of funds Use of funds 116% 120% LCR 139 63% 136 132 Deposit 31 (32) Funded 52 70 66 CLF 2 39 (38) 31 HQLA 66 66 16 Assets 2,3 56 (35) 15 2 4 Equity IFRS & FX Net short Customer New long Long term Lending Other Assets Jun 14 Dec 14 Jun 15 4 on ST & LT term funding deposits term funding maturities Internal RMBS Debt 12 Months to Jun 15 Bank, NCD, Bills, RMBS, Supra, Covered Bonds Cash, Govt, Semi-govt 1 Liquids are reported net of applicable regulatory haircuts. Dec 14 adjusted from Pro-forma to align with final reporting with APRA 2 CBA provided with a CLF of $70bn for period 1 Jan 2015 to 31 Mar 2015 inclusive, after which the CLF is $66bn. The Exchange Settlement Account 53 (ESA) balance is netted down by the Reserve Bank of Australia open-repo of internal RMBS 3 Qualifying HQLA includes cash, Govt and Semi Govt securities. Also includes $5.6bn of RBNZ eligible securities 4 Includes additional collateral received of $9bn due to weaker AUD

Additional Addit ional Divide Di vidend nd p per Sh er Shar are information information Payout ratio (cash) 75.0% 75.9% 75.1% 75.1% 78.2% 73.9% 73.2% 75.8% 81% 81% 81% 70% 90% 84% 70% 84% 71% 87% 62% 62% 63% 74% 63% 84% 113 153 113 115 120 170 132 188 137 197 164 200 183 218 198 222 cents FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 Interim Final 54

Dividend Dividend cents per share 140% +5% 420 401 364 120% 334 320 100% 290 266 228 80% 78.2% 75.8% 75.9% 75.0% 75.1% 75.1% 73.9% 73.2% 60% 40% 20% FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 Cash NPAT Payout Ratio 0% 55

Notes Note 56

Str Strong ong Ca Capital pital Position osition CET1 bpts 12.7% 122 (17) (43) 9.3% (72) 9.2% 9.1% 8.0% 1 June 14 Dec 14 Dec 14 Cash Credit RWA Other Jun 15 APRA Jun 15 2 APRA APRA Interim NPAT underlying APRA Min International Dividend 2016 (Net of DRP) 1 Primarily relates to increases in IRRBB RWA and Operational RWA combined with maturity of the first tranche of the Colonial Debt Analysis aligns with the APRA study entitled “International capital comparison study” (13 July 2015). 2 57

Add Additi ition onal al APRA & APRA & Inter Interna nati tion onal C al Comp omparison arison info informa rmation tion The APRA Basel III capital requirements are more conservative than those of the Basel Committee on Banking Supervision (BCBS), leading to lower reported capital ratios. In July 2015, APRA published a study that compared the major banks’ capital ratios against a set of international peers 1 Balances below prescribed threshold are risk weighted, compared to a 100% CET1 deduction under Equity investments APRA’s requirements. Balances below prescribed threshold are risk weighted, compared to a 100% CET1 deduction under Deferred tax APRA’s requirements. assets APRA requires capital to be held for Interest Rate Risk in the Banking Book (IRRBB). The BCBS does IRRBB not have any capital requirement. Loss Given Default (LGD) of 15%, compared to the 20% LGD floor under APRA’s requirements. Residential mortgages Other retail standardised Risk- weighting of 75%, rather than 100% under APRA’s requirements. exposures Unsecured non- retail exposures: LGD of 45%, compared to the 60% or higher LGD under APRA’s requirements. Corporate exposures Non- retail undrawn commitments: Credit conversion factor of 75%, compared to 100% under APRA’s requirements. Use of IRB probabilities of default (PD) and LGDs for income producing real estate and project finance Specialised lending exposures, reduced by application of a scaling factor of 1.06. APRA applies higher risk weights under a supervisory slotting approach, but does not require the application of the scaling factor. Increase in the A$ equivalent concessional threshold level for small business retail and small/medium Currency conversion threshold enterprise corporate exposures. APRA study entitled “International capital comparison study” (13 July 2015 ) 1 58

APRA APRA & Inter & Interna national Compar tional Comparison ison The following table provides details on the differences, as at 30 June 2015, between the APRA Basel III capital requirements and internationally comparable capital ratios 1 . It also provides details on the differences from the PricewaterhouseCoopers (PwC) methodology published by the ABA in August 2014 2 APRA PwC CET1 Study 1 methodology 2 Basel III (APRA) 9.1% 9.1% Equity investments 1.0% 1.0% Deferred tax assets 0.2% 0.2% IRRBB 0.3% 0.3% Residential mortgages 0.6% 0.6% Other retail standardised exposures 0.1% 0.1% Unsecured non-retail exposures 0.5% 0.6% Non-retail undrawn commitments 0.3% 0.3% Specialised lending 0.5% 0.8% Currency conversion threshold 0.1% 0.1% Capitalised expenses N/A 0.1% Standardised mortgages and margin lending exposures N/A 0.2% Total adjustments 3.6% 4.3% Basel III (Internationally Comparable) 12.7% 13.4% Analysis aligns with the APRA study entitled “International capital comparison study” (13 July 2015) 1 PricewaterhouseCoopers , “Australian Bankers’ Association: International comparability of capital ratios of Australia’s major banks”, 2 59 August 2014

Notes Note 60

Str Strong ong Ca Capital pital – Inter Interna national Basis tional Basis  In July 2015, APRA published a study 15.4% 15.3% that compared the major banks’ 13.9% 1.1% Tier 2 capital ratios against a set of 2.3% 0.1% 1.6% Tier 1 international peers 0.7% 0.6% Aust.  CBA’s internationally comparable major bank ratios align with the APRA Study CET1 avg 11.7%  CBA’s internationally comparable CET1, Tier 1 and Total Capital ratios 13.1% 12.7% CET1 12.4% are in the top quartile of international peers  CBA raised $3bn PERLS VII (Tier 1 Capital) and $3bn Tier 2 Capital in FY2015 International peers CBA CBA 2 2 (75th percentile) 1 Jun 14 Jun 15 Jun 14 Figure 2, APRA, Information paper “International capital comparison study”, 13 July 2015; Table A.3, Basel 1 Committee on Banking Supervision, “Basel III Monitoring Report”, March 2015 61 2 Assumes Basel III requirements have been fully implemented and that any transitional rules are no longer applicable

Notes Note 62

Not for distribution or release in the United States Entitlement Offer 12 August 2015

Not for distribution or release in the United States Add Additi ition onal al Mor Mortga tgage ge R Risk isk Weigh eights ts info informa rmation tion Impact of changes to risk-weighting of Australian residential mortgages  In July 2015, APRA announced an increase in the capital requirements under the Internal Ratings Based approach for Australian residential mortgages  The change increases risk weights from approximately 16% to 25%. As at 30 June 2015, the impact for CBA would result in a decrease of 95bps in CET1 (approximately $4bn)  Change effective from 1 July 2016  Any capital raised to satisfy these requirements will further support CBA’s internationally comparable capital ratios 64

Not for distribution or release in the United States Entit Entitlement lement Of Offer er Overview Pro-forma CET1  Entitlement offer of ordinary CBA shares to all shareholders - fully 14.3% underwritten to raise $5bn  More than satisfies higher 10.4% mortgage risk weight requirements 1.35% introduced to increase competition 9.1% – approx. $4bn (implementation from Jul-16)  Strengthens the Group’s position within Global top quartile  No change to dividend policy  In FY16, expect: Jun 15 Entitlement Jun 15 Jun 15 Pro- 1 CET1 (APRA) offer Pro-forma forma CET1  min. 70% interim payout CET1 (APRA) (International)  70-80% full year payout Does not include impact of future DRP participation or changes in margin or profit. All calculations are pro-forma, meaning they demonstrate the theoretical impact of an action. They do not take into account other relevant factors and are not a forecast 1 Net of transaction costs 65

Not for distribution or release in the United States Add Additi ition onal al Impo Importan tant t Noti Notice ces informa info rmation tion Status of New Shares Investments in New Shares are not deposit liabilities or protected accounts of CBA under the Banking Act and are not guaranteed or insured by any Australian government, government agency or compensation scheme. Investments in securities such as New Shares are subject to risks which could affect their performance, including loss of investment and income. CBA does not guarantee the market price of New Shares or any particular rate of return. No representations other than in this presentation No person is authorised to provide any information or to make any representation in connection with the Offer that is not contained in this presentation. Any information or representation not contained in this presentation may not be relied upon as having been authorised by CBA. Past performance information The financial information provided in this presentation is for information purposes only and is not a forecast of performance to be expected in future periods. Past performance and trends, including past share price performance, should not be relied upon as being indicative of, and provides no guarantee as to, future performance and trends including future share price performance. Forward-looking statements This presentation contains “forward - looking statements” within the meaning of the securities laws of applicable jurisdictions. F orward-looking statements can generally be identified by the use of words such as “expect”, “anticipate”, “likely”, “intend”, “propose”, “sh oul d”, “could”, “may”, “predict”, “plan”, “will”, “believe”, “forecast”, “estimate”, “target” and other similar expressions and include, but are not limited to, statements regarding objectives, strategies and plans of management; expected financial performance; and pro forma calculations including in relation to the outcome of the Offer. The forward-looking statements are based on views and beliefs as at the date of this presentation. They involve known and unknown assumptions, factors and risks, many of which are beyond the control of CBA, may involve subjective judgement and may or may not be correct. You should consider any forward looking statements in light of the risks of investing in New Shares detailed in Appendix A (pages 134 to 143). Financial data All dollar values are in Australian dollars (A$) and financial data is presented with a financial year end of 30 June unless otherwise stated. The pro forma historical financial information included in this presentation does not purport to be in compliance with Article 11 of Regulation S-X of the rules and regulations of the U.S. Securities and Exchange Commission. Investors should also be aware that certain financial data included in the Information are “non - GAAP financial measures” under Regulation G of the U.S. Securities Exchange Act of 1934, as amended. These measures include “cash basis” profit, “cash EPS”, and “ROE”. The disclosure of such non -GAAP financial measures in the manner included in the presentation may not be permissible in a registration statement under the U.S. Securities Act. These non-GAAP financial measures do not have a standardised meaning prescribed by Australian Accounting Standards and therefore may not be comparable to similarly titled measures presented by other entities, and should not be construed as an alternative to other financial measures determined in accordance with Australian Accounting Standards. Although the company believes these non-GAAP financial measures provide useful information to users in measuring the financial performance and condition of its business, investors are cautioned not to place undue reliance on any non-GAAP financial measures included in the presentation. 66

Not for distribution or release in the United States Inter Interna national tional Peer eer Base Basel l III III CET1 CET1 16.0 APRA top quartile 12.4% 1 14.4 14.3 13.7 13.5 13.0 12.7 G-SIBs in dark grey 12.3 12.2 12.1 12.0 11.7 11.7 11.7 11.6 11.3 11.4 11.2 11.0 10.9 10.8 10.6 10.6 10.6 10.6 10.4 10.5 10.4 10.4 10.3 10.2 10.1 Pro-forma with entitlement offer 10.0 9.9 9.8 9.4 Current 2 2 2 2 2 2 2 2 2 2 3 2 Nordea UBS CBA Intesa Sanpaolo Lloyds ING CBA RBS ICBC China Construct. Bank Sumitomo Mitsui HSBC Mitsubishi UFJ Deutsche Standard Chartered Citi Barclays Bank of Comm JP Morgan Bank of China BNP Paribas SocGen Scotiabank Commerzbank China Merchants Bank Wells Fargo UniCredit Bank of America BBVA Credit Suisse Credit Agricole SA Mizuho RBC Toronto Dominion Santander Agri. Bank of China Source: Morgan Stanley and CBA. Based on last reported CET1 ratios up to 5 August 2015 assuming Basel III capital reforms fully implemented. Peer group comprises listed commercial banks with total assets in excess of A$700 billion and which have disclosed fully implemented Basel III ratios or provided sufficient disclosure for a Morgan Stanley estimate. Figure 2, APRA, Information paper “International capital comparison study”, 13 July 2015 1 2 Deduction for accrued expected future dividends added back for comparability 67 3 Interim profit not included in CET1 capital has been added back

Not for distribution or release in the United States Add Additi ition onal al Importan Impo tant t Noti Notice ces info informa rmation tion Forward-looking statements (cont) To the maximum extent permitted by law, CBA disclaims any responsibility for the accuracy or completeness of any forward-looking statements. CBA will not update or revise any forward- looking statement to reflect any change in CBA’s financial position, business or status, o r any change in events, conditions or circumstances on which a statement is based, except as required by law. This presentation does not provide investment advice This presentation does not provide investment advice and has been prepared without taking into account your investment objectives, financial situation or particular needs (including financial and taxation issues). It is important that you read this presentation in full before deciding to invest in New Shares and consider the risks that could affect the performance of New Shares. Restrictions on foreign jurisdictions The distribution of this presentation and the offer or sale of New Shares may be restricted by law in certain jurisdictions. Persons who receive this presentation outside Australia or New Zealand must inform themselves about and observe all such restrictions. Nothing in this presentation is to be construed as authorising its distribution or the offer or sale of New Shares in any jurisdiction other than Australia and New Zealand, and CBA does not accept any liability in that regard. Furthermore, New Shares may not be offered or sold, directly or indirectly, and neither this presentation nor any other offering material may be distributed or published, in any jurisdiction except under circumstances that will result in compliance with any applicable laws or regulations. Selling restrictions for specific jurisdictions are contained in Appendix B (pages 144 to 155). 68

Not for distribution or release in the United States Entitlement Entit lement Of Offer er Structure & Terms Key Metrics ♦ Eligible shareholders entitled to buy 1 new ordinary share in CBA (New Share) for every 23 FY15 Reported Pro-forma CBA shares they hold (1:23) ROE (Cash) 18.2% 16.8% ♦ New Share offer price of $71.50 per New Share – 10.5% discount to last closing price 1 EPS ($) 5.61 5.46 – 10.1% discount to theoretical ex-rights price 1 Capital – CET1 (Int) 12.7% 14.3% ♦ New Shares rank equally with ordinary shares Capital – CET1 (APRA) 9.1% 10.4% ♦ Ordinary shares purchased on or after Results Capital – Tier 1 (APRA) 11.2% 12.5% announcement date not eligible for Entitlements ♦ Accelerated institutional offer to be completed Capital – Total (APRA) 12.7% 14.1% by 14 August 2015 Does not include impact of future DRP participation or ♦ Retail offer period from 24 August 2015 to 8 changes in margin or profit. The pro-forma impact on ROE and EPS assumes the entitlement offer occurred on September 2015 1 July 2014 ♦ Retail entitlements can be sold on ASX from 17  All calculations are pro forma, meaning they demonstrate August 2015 the theoretical impact of an action. They do not take into account other relevant factors and are not a forecast ♦ Retail bookbuild for renounced entitlements on  DPS may fall depending on actual earnings 14 September 2015 1 As at 11 August 2015. TERP is $79.55. Both the last closing price and TERP are adjusted for the final dividend. 69

Notes Note 70

Not for distribution or release in the United States Key ey Da Dates tes Timetable Date Announcement of the entitlement offer Wednesday, 12 August 2015 Ordinary Shares purchased on or after this date will not be eligible for the entitlement offer Wednesday, 12 August 2015 – Institutional offer (accelerated) Thursday, 13 August 2015 Institutional renounced entitlements bookbuild Friday, 14 August 2015 Retail entitlements commence trading on ASX on a deferred settlement Monday,17 August 2015 basis Monday, 24 August 2015 Retail entitlement offer opens Retail entitlements commence trading on ASX on normal settlement Monday, 24 August 2015 basis Retail entitlements trading on ASX ends Tuesday, 1 September 2015 Retail entitlement offer closes Tuesday, 8 September 2015 Retail renounced entitlements bookbuild Monday, 14 September 2015 71

Notes Note 72

RESULTS PRESENTATION FOR THE FULL YEAR ENDED 30 JUNE 2015 IAN NAREV Results Presentation CHIEF EXECUTIVE OFFICER For the half year ended 31 December 2009 10 February Commonwealth Bank of Australia ACN 123 123 124 2010 COMMONWEALTH BANK OF AUSTRALIA | ACN 123 123 124 | 12 AUGUST 2015

Addit Additional ional Ec Econ onomic omic Ind Indicato icators rs information information 2011 2012 2013 2014 2015 2016 2017 World GDP 4.2 3.4 3.4 3.4 3.5 3.7 3.2 Australia Credit Growth % – Total 5.1 2.7 4.4 3.0 6.2 4¾-6¾ 4¼-6¼ Credit Growth % – Housing 6.0 5.0 4.6 6.5 7.4 6-8 5-7 Credit Growth % – Business -2.2 4.4 0.9 3.5 4.1 3-5 3-5 Credit Growth % – Other Personal 0.6 -1.2 0.4 0.8 0.4 1-3 2-4 GDP % 2.3 3.7 2.5 2.5 2.4 2.8 3.2 CPI % 3.1 2.3 2.3 2.7 1.7 2.4 2.7 Unemployment rate % 5.0 5.2 5.4 5.8 6.2 5.9 5.7 Cash Rate % 4¾ 3½ 2¾ 2½ 2 2 2 New Zealand Credit Growth % – Total 1.5 3.2 4.0 4.2 6.4 4-6 3-5 Credit Growth % – Housing 1.2 1.8 5.0 5.3 5.6 3½-5½ 2½-4½ Credit Growth % – Business 1.2 3.9 1.9 3.1 6.2 5-7 5-7 Credit Growth % – Agriculture -0.8 3.0 4.4 3.7 7.6 4-6 4-6 GDP % 1.0 2.6 2.1 2.9 2.9 2.5 3.2 CPI % 3.8 2.2 0.8 1.5 0.5 1.1 1.8 Unemployment rate % 6.6 6.6 6.7 6.0 5.7 5.7 5.0 Overnight Cash Rate % 2.5 2.5 2.5 3.25 3.25 2.50 3.25 CBA Economics Forecasts Credit Growth = 12 months to June qtr World GDP = Calendar Year Average 74 GDP, Unemployment & CPI = Financial year average = forecast Cash Rate = As at end June qtr

Outlook Outlook  Result shows good economic foundations in savings, credit growth and credit quality, though near-term global risks remain  Need for businesses and all sides of politics to work together towards diversified, sustainable growth  Continued investment for CBA in same long-term priorities, with strong execution focus 75

Addit Additional ional Resu esult lt q qua uali lity ty information information 1 Group NIM ROE 2.4 Cash basis % 17.8% 2.3 CBA Peers 2.2 15.8% 14.7% 14.7% 2.1 2.0 1.9 CBA Peer 3 Peer 1 Peer 2 Mar 12 Sep 12 Mar 13 Sep 13 Mar 14 Sep 14 Mar 15 Jun 15 CBA ROE for 2H15 3 2 Capitalised Software Capital $m APRA CET1 2,689 10.4% Pro-forma 2,318 2,102 2,089 9.9% 9.1% 8.8% 8.6% CBA Peer 3 Peer 2 Peer 1 CBA Peer 2 Peer 3 Peer 1 1 CBA is half to June 2015. Peers are half to March 2015 2 CBA as at June 2015. Peers 1, 2 and 3 as at March 2015 76 3 Reported CBA and Peers 1 & 2 are as at June 2015. Peer 3 is as at March 2015.

Summar Summary Consistent strategy execution Ongoing growth  Focus on the ■ Solid earnings People customer  Cash NPAT +5%  EPS Productivity  Driving service and +5% efficiency benefits  DPS +5%  ROE 18.2%  Customer value through world ■ All divisions contributing Technology class technology ■ Supporting the community and operations and contributing to Australian  Long term support wellbeing Strength for our customers 77

RESULTS PRESENTATION FOR THE FULL YEAR ENDED 30 JUNE 2015 SUPPLEMENTARY SLIDES Results Presentation Overview, Customers & People 79 Technology & Innovation 95 Strength – Capital, Funding & Risk 109 For the half year ended 31 December 2009 Business Performance 157 10 February Economic Indicators 175 Commonwealth Bank of Australia ACN 123 123 124 2010 COMMONWEALTH BANK OF AUSTRALIA | ACN 123 123 124 | 12 AUGUST 2015

CB CBA A Ov Over erview view People, Customers & Delivery Market Shares Australia NZ Other Total 3 1 st MFI Customers 12.6m 2.2m 0.5m 15.3m Home Lending 11 1 st Staff 42,300 5,700 4,500 52,500 Household Deposits 12 1 st Branches 1,147 136 116 1,399 1 st FirstChoice 5 ATMs 5,072 4,440 460 172 Customer Satisfaction Strength 1 1 st Retail 1 st Market Cap. (ASX) Business 4 =1 st CET1 (APRA) 9.1% 6 Wealth 2 nd Total Assets $873bn AA-/Aa2 10 Internet Banking 1 st Credit Ratings 9 AA- 1, 3, 4, 6, 9 Refer notes slide at back of this presentation for source information 11 Source: RBA 5 Source: Plan for Life Mar-15 12 Source: APRA 79 10 S&P, Moodys, Fitch

Br Broa oad d co cont ntribu ributo tor r to to A Aus ustr tralian alian wellbeing ellbeing Operating Income Loan impairment Expenses FY15 Cost of lending across Including ~6,100 the economy SME partners and suppliers $4.2bn $1.0bn Tax expense $3.4bn Australia’s 2 nd largest tax payer, equivalent to Salaries 4% of all company tax $5.8bn $2.2bn Employing ~42,300 revenue people in Australia, ~52,500 globally $6.8bn Retained for capital and growth Dividends Over $158 billion in Returned to ~800,000 new lending in FY15 shareholders and Super funds 80

Cr Crea eating jobs ting jobs and oppor and opportunit tunities ies Providing direct Employing over 1 in 10 employment to ~42,300 people working in the people in Australia, Australian financial ~52,500 people globally services sector Paid over $4bn to ~6,100 Paid $4.8bn in wages suppliers in FY15 – to Australian households supporting employment in FY15 across the economy 81

Our Our People eople Employee Engagement Index Score 4 Women in Executive Manager and above roles 6 % % 35% 81% 81% 33% 80% 80% 31% 30% 28% 26% FY12 FY13 FY14 FY15 FY10 FY11 FY12 FY13 FY14 FY15 Employee Turnover – Voluntary 5 Lost Time Injury Frequency Rate 7 Rate % 2.8 2.7 2.4 12.7% 12.9% 12.7% 1.9 1.5 1.5 10.2% 10.2% 10.0% FY10 FY11 FY12 FY13 FY14 FY15 FY10 FY11 FY12 FY13 FY14 FY15 4, 5, 6, 7, Refer notes slide at back of this presentation for source information 82

Our Our Stak Stakeholder eholders Customer Product Holdings 1 15.0m Super fund unit holders ? 5.2m 11.2m 4.6m 2.2m 1.7m 4.2m 3.3m 850k 700k 1.8m >300k 52,500 1.1m ~800k Home Loans Credit Cards Retail Savings Insurance Personal Loans Business Funds CommSec Shareholders Employees and Transactions Relationships Management Australia Offshore Customers who hold at least one product in each of the major product categories shown. Totals not mutually exclusive – includes cross product holdings. 1 83 Figures are approximates only and may include some level of duplication across customer segments. CommSec total includes active accounts only

Additiona Additi onal l Customer Customer Sa Satisf tisfaction and action and MFI MFI sha share information infor mation Retail Customer Customer Needs MFI 1 Satisfaction 1 Met 2 Share 3 CBA #1 CBA #1 CBA #1 84.2% 3.05 34.2% Jun 07 Jun 15 Jun 08 Jun 15 Jun 12 Jun 15 1, 2, 3 Refer notes slide at back of this presentation for source information CBA Peers 84

Customer Customer Sa Satisf tisfaction and action and MFI MFI sha share Retail Customer Customer Needs CBA MFI 1 Met 2 Share 3 Satisfaction Internet customers highly Internet customers hold Internet customers have 5 satisfied more products higher MFI share % # % 93.7 36.4 5 4.15 34.2 5 3.05 84.2 #1 #1 #1 5 6 7 CBA CBA CBA CBA CBA CBA 9 Internet Overall 1 Overall Internet Overall Internet Banking Banking Banking 9 1, 2, 3, 9 Refer notes slide at back of this presentation for source information 85

Customer Customer Sa Satisf tisfaction action Retail Customer Satisfaction 1 Business Customer Satisfaction 4 8.0 86% CBA CBA Peers 84% Peers 82% 80% 78% 7.0 76% 74% 72% 70% 6.0 68% Jun 12 Jun 15 Jun 07 Jun 15 % Satisfied ('Very Satisfied' or 'Fairly Satisfied') 1 Customer Satisfaction - Average 1, 4 Refer notes slide at back of this presentation for source information 86

Business Busin ess Cust Customer omer Sa Satisf tisfactio action 5 Micro Small 7.8 7.8 7.6 7.6 7.4 7.4 7.2 7.2 7.0 7.0 6.8 6.8 6.6 6.6 6.4 6.4 6.2 6.0 6.2 Jun 12 Jun 13 Jun 14 Jun 15 Jun 12 Jun 13 Jun 14 Jun 15 CBA Peers CBA Peers Large 1 Medium 8.2 8.0 8.0 7.8 7.8 7.6 7.6 7.4 7.4 7.2 7.2 7.0 7.0 6.8 6.8 6.6 6.6 6.4 6.4 Jun 12 Jun 13 Jun 14 Jun 15 Jun 12 Jun 13 Jun 14 Jun 15 CBA Peers CBA Peers 1 Definition of Large segment changed in November 2012 from annual turnover of $50M+ to $50m<$500M 5 Refer notes slide at back of this presentation for source information 87

Cor Corpor porate te Respo esponsibility nsibility FY15 Highlights Recognition In the 2015 financial year the Group was named the industry mover on the Dow Jones Sustainability World Index (DJSI) and received a bronze class distinction for sustainability performance. The G100 is the global index of the world's most sustainable corporations. In 2015, the Group ranked 21st, making the Group the number one Australian company and the number two bank in the world. The Group is listed on the FTSE4Good. The FTSE4Good Index Series comprises companies demonstrating strong Environmental, Social and Governance (ESG) practices 88

Cor Corpor porate te Respo esponsibility nsibility The Group’s new 2016-2018 Corporate Responsibility (CR) strategy launched in FY15. The CR strategy is the Group’s roadmap to secure and enhance the financial wellbeing of the communities in which we operate, through the Way We Do Business and Our Role in Society . 89

Sustainability Sustaina bility Scor Scorecar ecard Units FY15 FY14 FY13 FY12 FY11 FY10 Customer satisfaction % 84.2 83.2 83.0 79.0 75.2 75.6 Roy Morgan MFI Retail Customer Satisfaction 1 Rank 1 st 1 st 1 st 2 nd 4 th 2 nd 7.5 7.4 7.4 7.3 7.1 7.0 Avg. score DBM Business Financial Services Monitor 2 Rank =1 st =1 st =1 st =1 st =2 nd =1 st Avg. score 7.75 7.94 8.32 7.86 7.74 7.70 Wealth Insights Platform Service Level Survey 3 Rank 2 nd 1 st 1 st 1 st 1 st 1 st Employee Engagement Index Score 4 % 81 81 80 80 n/a n/a Employee Turnover Voluntary 5 % 10.0 10.2 10.2 12.9 12.7 12.7 People Women in Manager and above roles 6 % 43.2 42.9 42.0 42.0 43.6 43.2 Women in Executive Manager and above roles 6 % 35.0 32.8 30.3 30.9 28.2 26.3 Lost Time Injury Frequency Rate (LTIFR) 7 2.4 Rate 1.5 1.5 1.9 2.8 2.7 Absenteeism 8 Rate 6.0 6.1 6.2 6.2 6.0 5.9 Greenhouse Emissions 9 8,064 8,192 8,183 8,711 Scope 1 emissions tCO 2 -e 7,249 7,936 Gas Scope 2 emissions tCO 2 -e 86,264 91,275 100,997 118,047 137,948 142,218 Scope 3 emissions tCO 2 -e 39,361 44,826 47,438 47,667 63,719 47,522 Financial programs 10 literacy School banking students (active) Number 310,474 273,034 233,217 191,416 140,280 92,997 StartSmart students (booked) Number 298,505 288,728 284,834 235,735 200,081 119,669 1,2,3,4,5,6,7,8,9,10 Refer notes slide at back of this presentation for source information 90

Resour esources ces Exposur Exposure Assessed Carbon Emissions – Business Lending Resources Industries June 2015 Assessed carbon emissions arising from the Group’s business lending exposure Commercial Exposure 1 to the energy sector, per the Group’s ESG reporting commitments. Data is % of reported as at June 2014 due to availability of client and public data sources of Sector $bn Group generation, production and emissions data. TCE Coal Mining Operations The emissions intensity of Group business lending to coal mining; Mining 7.1 0.7 Direct (scope 1 and 2) emissions: Oil and Gas Extraction 11.6 1.2  99tCO 2 e/AUDm debt  0.05tCO 2 e/tonne coal extracted Energy 2 8.9 0.9 Group business lending to coal mining supported: Coal Ports & Transport Terminals 1.7 0.2  4.67mt pa of coal production. This is the equivalent of approximately 1% of Australia’s total coal production. Mining, Oil and Gas Indirect (scope 3 combustion) emissions:  5.1ktCO2e/AUDm business lending debt Jun 15 Oil and Gas Operations Mining The emissions intensity of Group business lending to the oil and gas sector; Services Direct (scope 1 and scope 2) emissions: 4%  114tCO 2 e/AUDm debt Other Mining Metals 2%  0.04tCO 2 e/barrel of oil equivalent (boe) produced Mining Group business lending to oil and gas supported: 7%  19.8mboe pa of production. This is the equivalent of approximately 4% of Australia’s total oil and gas production. Black Coal Electricity Generation Mining Oil & Gas The emissions intensity of Group business lending to electricity generation: 5% Extraction Direct (scope 1 and 2) emissions: 62%  1,916tCO 2 e/AUDm debt Gold Ore Mining  0.71tCO 2 e/MWh generated. In Australia, the emissions intensity of Group debt 8% finance to electricity generation was also 0.71tCO2e/MWh generated, Iron Ore compared to the Australian average emissions intensity of 0.85tCO2e/MWh. Mining Group business lending to the electricity sector supported: 12%  6.64TWh of electricity generation 1 Total Credit Exposure (TCE) basis = balance for uncommitted facilities and the greater of limit or balance for committed facilities. Calculated before collateralisation. Includes ASB and Bankwest and excludes settlement exposures. Exposure assigned to ANZSIC Codes according to main business activity. 91 2 Energy includes: electricity generation, distribution & supply; and gas supply

Customer Cust omer needs met needs met 2 CBA leads peers in the number of products customers hold CBA: 3.05 3.00 Peer 3: 3.00 Peer 1: 2.88 2.80 2.60 Peer 2: 2.59 2.40 2.20 2.00 Jun 08 Jun 09 Jun 10 Jun 11 Jun 12 Jun 13 Jun 14 Jun 15 2 Refer notes slide at back of this presentation for source information 92

Customer Cust omer needs met needs met 2 By Age 2 Internet Banking 2 Age Band Products per Customer 4.15 14 – 17 1.52 3.23 3.05 18 – 24 2.65 2.24 25 – 34 3.18 35 – 49 3.38 50 – 64 3.25 Overall Non-Internet Mobile App Website and 65+ 2.50 Users Only Users Mobile App Total 18+ 3.05 Users Wealth – Share of Product 8 Share of Product 2 Wealth Share of 8.11 12.8% product Lending and Cards 11.6% Deposits 3.97 12.8% 8.2% 8.1% 3.05 1.83 57.4% 0.51 1.05 2.31 64.5% 1.49 Products held Products CBA Peer 3 Peer 1 Peer 2 at CBA held anywhere 2, 8 Refer notes slide at back of this presentation for source information 93

Delivering Deliv ering consistent r consistent retur eturns ns Cash ROE CBA Ranking 1 Market Return Return Dividend Taxes Cap on on declared Paid (ASX) Equity Assets 2 nd 73 rd 1 st 1 st 27 th 600 19.5% 18.7% 18.7% 18.4% 500 18.2% 18.2% 1.1% 400 1.0% Return on 300 Assets 200 100 - 2010 2011 2012 2013 2014 2015 1 Most recent annual results data amongst ASX 100 companies. Sourced from Bloomberg 29 July 2015. 94

Australia’s leading technology bank #1 #1 #1 Free financial Most Innovative 9 8 1 app innovative bank banking app #1 #1 #1 Social Customer Customer satisfaction – satisfaction – & 11 3 6 6 2 Facebook Internet banking apps MFI for #1 5.16m 1 in 3 In the youth Active online 10 5 7 segment customers Australians 1,2,3,5,6,7,8,9,10 Refer notes slide at back of this presentation for source information 95

Customer Sa Customer Satisf tisfaction action - Online Online Customer Satisfaction - Website 4 Customer Satisfaction – Internet Banking 6 97% 93.7% 95% Satisfaction with Internet Banking Services via "Website" or " App“ 6 93% 97% 91% 89% 95% CBA Peer 1 93.7% 87% Peer 2 Peer 3 85% 93% Jun 14 Dec 14 Jun 15 2 Customer Satisfaction - Apps 91% 97% Peer 1 CBA 89% 95% 93.7% Peer 2 Peer 3 93% 87% CBA Peer 1 91% Peer 2 Peer 3 89% 85% Jun 14 Dec 14 Jun 15 87% 85% Jun 14 Dec 14 Jun 15 2, 4, 6 Refer notes slide at back of this presentation for source information 96

Branc Br anch h of of the fut the futur ure Video conferencing Dedicated small Tablets and software 1 1 facilities in all branches - business for branch concierges access to CBA specialists capability with to enhance customer ~ 69,000 referrals in FY15 165 specialists flow Over 400 Intelligent Deposit Express branches in select Machines allowing anytime cash locations (56 to date) - and cheque deposits – 96% self- smaller, smarter design with service rate for deposits in express focus on self service branches 1 Excludes Bankwest and a very small number of CBA Branches 97

Continuous Continuous inno innova vation tion Tap & Pay Touch ID Apps for Smartwatches Now on Android CommBank and CommSec Use your iPhone or Android apps – account balances, Sign in to CommBank for MasterCard PayPass app with your fingerprint ATM locator, transactions, 1 purchases in store live sharemarket information  Faster logon  CBA first to market  450k+ customers  100k users with transactional  Volumes +58% in FY15  700k logons p/week capability 1 In store = Point of Sale (POS) 98

Wealth Man ealth Management inno gement innova vation tion Portfolio View  Integrated banking & wealth experience  CBA and non-CBA holdings - holistic view of assets & liabilities  Free property estimates, live pricing of share portfolio etc  Single sign-on in NetBank into CommSec and MyWealth 99

Continuous Continuous inno innova vation tion Mobile Wallet Jul 15 Taking consumers one step closer to a day when a physical wallet will not be needed. • New functionality on CommBank app enables customers to store all their loyalty cards in the CommBank app • New CommBank Offers app provides tailored merchant offers to CommBank customers shopping in a Westfield shopping centre – pilot in partnership with Westfield Loyalty on CommBank Offers CommBank app 100