Commonwealth Bank of Australia (CBAUF) Q4 2025 Earnings Call Transcript

2025-08-13 03:43:34 ET

Commonwealth Bank of Australia (CBAUF)

Q4 2025 Earnings Conference Call

August 12, 2025, 08:30 PM ET

Call Participants

Alan Docherty - Group Executive of Financial Services & Group CFO

Matthew Comyn - CEO, MD & Executive Director

Melanie Kirk - Head of Investor Relations

Conference Call Participants

Andrew Lyons - Jefferies LLC, Research Division

Andrew Triggs - JPMorgan Chase & Co, Research Division

Carlos Cacho - Macquarie Research

Edmund Anthony Biddulph Henning - CLSA Limited, Research Division

John S. Storey - UBS Investment Bank, Research Division

Jonathan Mott - Barrenjoey Markets Pty Limited, Research Division

Matthew Dunger - BofA Securities, Research Division

Matthew Wilson - Jarden Limited, Research Division

Richard E. Wiles - Morgan Stanley, Research Division

Thomas Strong - Citigroup Inc., Research Division

Presentation

Melanie Kirk

Hello, and welcome to the Commonwealth Bank of Australia's results briefing for the full year ended 30 June 2025. I'm Melanie Kirk, and I'm Head of Investor Relations. Thank you for joining us. For this briefing, we will have presentations from our CEO, Matt Comyn, with a business update and an overview of the results. Our CFO, Alan Docherty, will provide details of the financial results; and Matt will then provide an outlook and summary. The presentations will be followed by the opportunity for analysts and investors to ask questions. I'll now hand over to Matt. Thank you, Matt.

Matthew Comyn

Thanks very much, Mel, and good morning to everyone. It's good to be with you today to present the bank's full year results. We recognize cost of living remains a challenge for many and global issues are creating uncertainty. We've been focused on consistent operational execution and investing for the long term. This year, we've chosen to increase lending across all of our key segments with record risk-weighted asset growth of $29 billion and disciplined margin management, accelerated investment by $300 million in line with our strategic priorities, strengthen our balance sheet and pay a $4.85 sustainable dividend with a fully neutralized reinvestment plan.

We've been able to provide our customers with a range of support options, including tailoring more than 139,000 payment arrangements for those most in need. We've helped more than 140,000 households buy a home and have provided support for first-time buyers. We've extended our commitment to regional Australia, operating the largest branch and ATM network in the country....

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