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Commonwealth Bank of Australia (CBA) investor relations material
Commonwealth Bank of Australia Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary10 Nov, 2025
Executive summary
Unaudited statutory NPAT for the quarter was approximately $2.5 billion; unaudited cash NPAT was about $2.6 billion, up 1% on the 2H25 quarterly average and 2% year-over-year.
Operating income rose 3% due to lending and deposit volume growth, higher non-interest income, and 1.5 additional days in the quarter.
Operating expenses increased 4% (excluding restructuring and notable items) mainly from wage and IT vendor inflation, partially offset by productivity initiatives.
Loan impairment expense was $220 million, with credit quality remaining sound and lower consumer arrears.
$4.4 billion in dividends paid and over $640 million in shares purchased for the Dividend Reinvestment Plan.
Financial highlights
Cash NPAT of ~$2.6 billion, up 1% sequentially and 2% year-over-year.
Operating income up 3%; net interest income up 3% with deposit and lending volume growth.
Headline net interest margin reduced due to growth in lower-yielding liquid assets and institutional repos.
Operating expenses (excl. notable items) up 4% due to wage and IT vendor inflation.
Loan impairment expense at $220 million, or 9bps of average GLAA.
Outlook and guidance
Optimism on the outlook for the country despite ongoing cost-of-living pressures and global uncertainty.
Closely monitoring increased competitive intensity and implications across the financial system.
Economic growth is recovering, and disposable income is rising for many households.
Mitigate underlying NIM pressure
Sustain volume growth in competitive market
Rationale for flat provisions despite improving arrears?
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Next Commonwealth Bank of Australia earnings date
H1 202610 Feb, 2026
Next Commonwealth Bank of Australia earnings date
H1 202610 Feb, 2026
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Frequently asked questions
The Commonwealth Bank of Australia provides integrated financial services, as well as a range of integrated financial services to retail, business, institutional, and corporate customers. Its Banking and Financial Services segment offers retail banking services, such as deposits, personal loans, credit cards and debit cards; commercial, transaction and other bank accounts; cash management accounts; and deposits in foreign currencies. The company was founded in 1911 and is based in Sydney, Australia.
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