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The bank continued to satisfy a significant portion of its funding requirements from customer deposits, which account for 74% of total funding (73% in Financial Year 2021). Customer deposits are considered the most stable source of funding.
A final dividend of $2.10 a share has been declared, taking the total dividend for the 2022 financial year to $3.85 fully franked, an increase of 10% on the previous year. This represents a payout ratio of 68% of the bank’s cash earnings or 75% after normalising for long run loss rates. The board continues to target a full year pay-out ratio of between 70%-80% of cash net profit after tax. The final dividend will be paid to shareholders on or around 29 September 2022.
CBA has maintained a strong capital position with a Common Equity Tier 1 (CET1) capital ratio as at 30 June 2022 of 11.5%, well in excess of regulatory minimum capital requirements. During the year the bank returned excess capital to shareholders via the successful completion of a $6 billion off-market share buy-back and commencing a $2 billion on-market buy-back which was announced in February 2022.
Over the past 12 months, 2.7 million customers were reached and offered natural disaster support assistance. Around 5 million customers were contacted about government benefits and rebates. The Benefits finder service in the CommBank App has seen more than 2.1 million claims initiated since its inception in 2019.
New services were launched for business bank customers including the touch screen standalone Smart payments terminal to support retail and hospitality businesses. The terminal is expected to have 20 apps in market by the end of this calendar year and already supports private health claims through CommBank Smart Health and Doshii for pay@table and bill splitting for hospitality customers.
The group experienced strong volume growth during the financial year with $170 billion of new home lending, $33 billion of new business lending, a $41 billion increase in household deposits and a $24 billion rise in business deposits.
Record digital engagement for Australia’s #1 banking app
Commonwealth Bank has continued to build on its rich history of innovation, cementing its place over the last year as the market leader in mobile and online banking.
Support for our communities today and tomorrow
When parts of New South Wales and Queensland were hit by a once-in-a-century flood earlier this year, CommBank needed to respond – and fast.
CBA customers take steps to reduce carbon footprint
CBA’s retail customers are taking advantage of the bank’s Green Home offer and an emissions tracking tool to limit their environmental impact.
CBA tracking well to meet its 2030 sustainability funding target
Over the past financial year, Commonwealth Bank has broken new ground in helping to support the transition ambitions of its customers, particularly those of its Institutional Banking and Markets (IBM) division.
Commonwealth Bank of Australia has released its 2022 Climate Report which outlines our position and approach to climate change, as well as our progress and commitments.
Financial results hub
An overview of news about Commonwealth Bank's full- and half-year financial results, including results from HY22.
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