Commonwealth Bank of Australia
|
|
- Johnathan Holland
- 5 years ago
- Views:
Transcription
1 Commonwealth Bank of Australia Investor presentations Risk Management Credit Risk Alden Toevs Group Ross Griffiths Chief Credit Officer 16 th and 17 th November, 2010
2 Business Description Risk Management is a distinct Business Unit which reports to the CEO (and also Board Risk Committee). Risk teams embeded in BU led by BU CRO. BU CRO s and Functional heads (Credit, Market and Operational Risk) report to Group CRO. Risk Governance Structure shown in Attachment 1. 2
3 Credit Portfolio 30 September 2010 $m Home Loans 381,986 Other Retail 21,209 Corporate 174,415 Sovereign 33,373 Bank 36, ,785 3
4 Credit Portfolio Exposure Trends Increasing Home Loans Sovereign Bank Reducing Corporate 4
5 Credit Decisions Non Retail Executive Risk Committee [CEO, Group CRO, Group CFO and CCO] Review panel oversight Personal Credit Approval Authority risk officers Retail Auto decision tools Personal Credit Approval Authority risk officers 5
6 Credit Quality bpts Total and New impaired assets to GLA Quarter only $4,210m $4,823m $5,216m $5,464m Jun 09 Dec 09 Jun 10 Sep 10 CBA Bankwest New CBA Includes ASB 1 Bpts is for the three months to Sep Prior periods are six-monthly figures. 6
7 Credit Quality 2.00% 1.75% 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% Impaired Assets to GLAA 0.00% 2006 HY 2006 FY 2007 HY 2007 FY 2008 HY 2008 FY 2009 HY 2009 FY 2010 HY 2010 FY CBA (ex Bankwest) NAB ANZ WBC CBA incl BankWest CBA June, Other Banks September 7
8 Credit Quality CBA June, Other Banks September 8
9 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Arrears Rate (%) Credit Quality 2.5% Home Loans 30+ Arrears 2.0% 1.5% 1.0% 0.5% 0.0% CBA 30+ (%) ASB 30+ (%) BW 30+ (%) 9
10 Dec-08 Jun-09 Dec-09 Jun-10 Arrears Rate (%) Credit Quality 1.2% Home Loans 90+ Arrears 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% CBA 90+ (%) ASB 90+ (%) BW 90+ (%) 10
11 Credit Quality Top 20 Commercial Exposures June 2010 Note 1 Note 2 Note 3 BB- A- BBB+ AA+ BBB+ BB BBB+ A- BBB A- A A A+ BBB+ A- BB+ A- BBB A A ,000 1,200 11
12 Number of people/ Entites Economic Conditions Insolvencies and Bankruptcies National Bankruptcy and Insolvency Trends Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Bankruptcies (Part IV and XI) Companies Entering External Administration 12
13 Economic Conditions Mining sector v other SME/Small corporate Commercial property Hot spots 13
14 General Bankwest non retail exposure Basle II accreditation extend for Bankwest Non-retail exposure migration Watch list S&P B- or better Troublesome S&P CCC+ to C plus D where no loss expected Impaired S&P D where loss anticipated Stress Testing 14
15 Risk Governance Structure Attachment 1 Risk Governance Structure Board & Committees CBA Board People & Remuneration Committee Board Performance & Renewal Committee Managing Director & Chief Executive Officer Risk Committee Audit Committee Executive Committee Group Head of Strategy Group Executive Business & Private Banking Group Executive Institutional Banking & Markets Group Executive Retail Banking Services Group Executive International Financial Services Group Executive Wealth Management Group Executive ASB Group Executive Human Resources and Group Services Group Group Executive, Enterprise Services & Chief Information Officer Chief Financial Officer General Counsel Risk Management Oversight Business Unit Risk Management Teams Risk Management Centre Audit & Assurance ALCO Institutional & Business Banking Retail Banking Services International Financial Services Wealth Management ASB Executive General Manager Market Risk Management Chief Credit Officer Internal Audit Teams Executive Risk Committee Business & Private Banking Bankwest Head of Risk Management International Financial Services Executive General Manager Portfolio Risk Management Chief Operational Risk Officer Portfolio Credit Assurance Board Committees Reporting line Head of Transformation Projects Retail Network Assurance Management Committees Functional reporting line to support the business/cfo Risk Management 15
Credit Quality and Dynamic Provisioning Jim Coleman Chief Credit Officer 13 August 2001
Credit Quality and Dynamic Provisioning Jim Coleman Chief Credit Officer 13 August 2001 0 Disclaimer The material contained in the following presentation is intended to be general background information
More information2001 Investor Roadshow Presentation 12 November
2001 Investor Roadshow Presentation 12 November 2001 www.commbank.com.au Disclaimer The material that follows is a presentation of general background information about the Bank s activities current at
More informationMedia Presentation. Results Presentation FOR THE FULL YEAR ENDED 30 JUNE Ian Narev Chief Executive Officer. 10 February 2010
Media Presentation FOR THE FULL YEAR ENDED 30 JUNE 2012 Results Presentation Ian Narev Chief Executive Officer For the half year ended 31 December 2009 10 February 2010 Commonwealth Bank of Australia ACN
More informationMedia Presentation For the full year ended 30 June 2009
Determined to offer strength in uncertain times. Ralph Norris CHIEF EXECUTIVE OFFICER Media Presentation For the full year ended 30 June 2009 12 August 2009 Commonwealth Bank of Australia ACN 123 123 124
More informationInvestor Presentation
Determined to be better than we ve ever been. Ralph Norris CHIEF EXECUTIVE OFFICER Investor Presentation 16 November 2010 Commonwealth Bank of Australia ACN 123 123 124 Disclaimer The material that follows
More informationPresentation of Full Year Results 22 August
Presentation of Full Year Results 22 August 2001 www.commbank.com.au Disclaimer The material that follows is a presentation of general background information about the Bank s activities current at the
More informationCOMMONWEALTH BANK OF AUSTRALIA DELIVERS ANOTHER GOOD RESULT
COMMONWEALTH BANK OF AUSTRALIA DELIVERS ANOTHER GOOD RESULT Result underpinned by successful execution of strategic initiatives Highlights of 2011 Result Statutory NPAT of $6,394 million up 13 percent
More informationFor personal use only
CBA 3Q18 Trading Update For the quarter ended 31 March 2018 1. Reported 9 May 2018. All comparisons are to the average of the two quarters of the first half of FY18 unless noted otherwise. Summary Unaudited
More informationKey Volumes 2.7% Home lending
CBA 1Q18 Trading Update For the quarter ended 30 September 017. Reported 8 November 017. All comparisons are to the average of the two quarters of the second half of FY17 unless noted otherwise. Summary
More informationCitigroup Australia and New Zealand 4th Annual Investment Conference London. March Ralph Norris. 5 6 March 2007 CHIEF EXECUTIVE OFFICER
Citigroup Australia and New Zealand 4th Annual Investment Conference London March 2007 5 6 March 2007 Ralph Norris CHIEF EXECUTIVE OFFICER Commonwealth Bank of Australia ACN 123 123 124 Disclaimer The
More informationTable of Contents. For further information contact: Investor Relations Warwick Bryan Phone: Facsimile: com.
Basel II Pillar 3 Capital Adequacy and Risk Disclosures as at 31 December 2008 Table of Contents 1. Introduction... 3 2. Scope of application... 4 3. Capital and Risk Summary... 5 3.1 Capital... 6 3.2
More informationFor personal use only
Media Release CBA FY17 Results For the full year ended 30 June 2017¹ Reported 9 August 2017 Commonwealth Bank delivers for Australia CEO Comment: Ian Narev Commonwealth Bank s performance this year has
More informationResults Presentation. Ralph Norris CHIEF EXECUTIVE OFFICER. David Craig CHIEF FINANCIAL OFFICER. 11 February 2009
Results Presentation For the half year ended 31 December 2008 Ralph Norris CHIEF EXECUTIVE OFFICER David Craig CHIEF FINANCIAL OFFICER 11 February 2009 Commonwealth Bank of Australia ACN 123 123 124 Disclaimer
More informationASB Disclosure Statement
ASB Disclosure Statement asb.co.nz Contents General Disclosures 2 Income Statement 4 Statement of Comprehensive Income 4 Statement of Changes in Equity 5 Balance Sheet 6 Cash Flow Statement 7 Notes to
More informationASB Disclosure Statement
ASB Disclosure Statement asb.co.nz Contents General Disclosures 2 Income Statement 4 Statement of Comprehensive Income 5 Statement of Changes in Equity 6 Balance Sheet 7 Cash Flow Statement 8 Notes to
More informationMACQUARIE AUSTRALIA CONFERENCE 2014
MACQUARIE AUSTRALIA CONFERENCE 2014 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED 8 May 2014 Mark Whelan MD Corporate & Commercial Bank, Australia on Australia is transforming the business Building our
More informationResults Presentation. Ralph Norris CHIEF EXECUTIVE OFFICER. David Craig CHIEF FINANCIAL OFFICER. Determined to be better than we ve ever been.
Determined to be better than we ve ever been. Ralph Norris CHIEF EXECUTIVE OFFICER David Craig CHIEF FINANCIAL OFFICER Results Presentation For the full year ended 30 June 2010 11 August 2010 Commonwealth
More informationResults Presentation. Ralph Norris CHIEF EXECUTIVE OFFICER. David Craig CHIEF FINANCIAL OFFICER. Determined to offer strength in uncertain times.
Determined to offer strength in uncertain times. Ralph Norris CHIEF EXECUTIVE OFFICER David Craig CHIEF FINANCIAL OFFICER Results Presentation For the full year ended 30 June 2009 12 August 2009 Commonwealth
More informationJP Morgan Australasian Conference Edinburgh
JP Morgan Australasian Conference Edinburgh Ralph Norris CHIEF EXECUTIVE OFFICER 18 September 2008 Commonwealth Bank of Australia ACN 123 123 124 Disclaimer The material that follows is a presentation
More informationPresentation of Half Year Results 13 February
Presentation of Half Year Results 13 February 2001 www.commbank.com.au Disclaimer The material that follows is a presentation of general background information about the Bank s activities current at the
More informationProfit Announcement. For the full year ended 30 June 2017
Profit Announcement For the full year ended 30 June 2017 Commonwealth Bank of Australia ACN 123 123 124 9 August 2017 ASX Appendix 4E Results for announcement to the market (1) Report for the year ended
More informationASX Announcement CBA 1H18 Result
ASX Announcement CBA Result For the half year ended 31 December 2017 Reported 7 February 2018 Guide to CBA s financial results CBA s net profit after tax is disclosed on both a statutory and cash basis,
More information2002 Interim Results. David Morgan, Chief Executive Officer Philip Chronican, Chief Financial Officer. 2 May 2002
David Morgan, Chief Executive Officer Philip Chronican, Chief Financial Officer 2 May 2002 Another record result $m 1,100 900 700 500 701 Net Profit After Tax & EPS CAGR 755 1H99 1H02 EPS 14% NPAT 13%
More informationRalph Norris CHIEF EXECUTIVE OFFICER
Ralph Norris CHIEF EXECUTIVE OFFICER 27 September 2007 Commonwealth Bank of Australia ACN 123 123 124 JP MORGAN ASIA PACIFIC AUSTRALASIAN CONFERENCE 2007 EDINBURGH Disclaimer The material that follows
More informationCommonwealth Bank of Australia. Recent Developments
May 15, 2017 Commonwealth Bank of Australia Recent Developments The information set forth below is not complete and should be read in conjunction with the information contained on the US Investors Supplemental
More informationBasel II Pillar 3 Capital Adequacy and Risk Disclosures. Determined to be better than we ve ever been. as at 31 December 2009
Determined to be better than we ve ever been. Basel II Pillar 3 Capital Adequacy and Risk Disclosures as at 3 December 2009 Commonwealth Bank of Australia Table of Contents Introduction... 2 Scope of
More informationCOMMONWEALTH BANK OF AUSTRALIA 2016 FULL YEAR PROFIT ANNOUNCEMENT TEMPLATE
COMMONWEALTH BANK OF AUSTRALIA 2016 FULL YEAR PROFIT ANNOUNCEMENT TEMPLATE SYDNEY, 5 AUGUST 2016: The Commonwealth Bank of Australia ( the Group ) is scheduled to announce its annual results on 10 August
More information2001 Interim Results. Australia and New Zealand Banking Group Limited 26 April 2001
2001 Interim Results Australia and New Zealand Banking Group Limited 26 April 2001 Results highlights NPAT from continuing operations $907m - up 18% EPS up 13% to 55.8 cents ROE of 19.6%, up from 17.8%
More informationCOMMONWEALTH BANK OF AUSTRALIA FINANCIAL REPORTING AND 2015 INTERIM PROFIT ANNOUNCEMENT TEMPLATE
COMMONWEALTH BANK OF AUSTRALIA FINANCIAL REPORTING AND 2015 INTERIM PROFIT ANNOUNCEMENT TEMPLATE SYDNEY, 16 JANUARY 2015: The Commonwealth Bank of Australia ( the Group ) is scheduled to announce its interim
More informationBasel III Pillar 3. Capital Adequacy and Risks Disclosures as at 31 December 2016
Basel III Pillar 3 Capital Adequacy and Risks Disclosures as at 31 December 2016 COMMONWEALTH BANK OF AUSTRALIA ACN 123 123 124 15 FEBRUARY 2017 This page has been intentionally left blank Table of Contents
More informationInvestor Discussion Pack
Investor Discussion Pack David Morgan, Chief Executive Officer May 2002 Disclaimer The material contained in the following presentation is intended to be general background information on Westpac Banking
More informationPERLS V Offer. Investor Information Pack. 28 August Commonwealth Bank of Australia ACN
PERLS V Offer Investor Information Pack 28 August 2009 Commonwealth Bank of Australia ACN 123 123 124 1 Disclaimer This presentation has been prepared in August 2009 by Commonwealth Bank of Australia (the
More informationRalph Norris CHIEF EXECUTIVE OFFICER. David Craig CHIEF FINANCIAL OFFICER. 15 August 2007
Ralph Norris CHIEF EXECUTIVE OFFICER David Craig CHIEF FINANCIAL OFFICER 15 August 2007 Commonwealth Bank of Australia ACN 123 123 124 RESULTS PRESENTATION FOR THE FULL YEAR Ended 30 June 2007 Disclaimer
More informationDavid Craig CHIEF FINANCIAL OFFICER
David Craig CHIEF FINANCIAL OFFICER 14 November 2007 Commonwealth Bank of Australia ACN 123 123 124 MORGAN STANLEY ASIA PACIFIC SUMMIT 2007 SINGAPORE Disclaimer The material that follows is a presentation
More informationFinancial Services & Wealth Management David Clarke Group Executive 13 August 2001
Financial Services & Wealth Management David Clarke Group Executive 13 August 2001 0 Disclaimer The material contained in the following presentation is intended to be general background information on
More informationThe Appointed Actuary, ICAAP, and the Three lines of Defense. J ennifer Lang 20 May 2013
The Appointed Actuary, ICAAP, and the Three lines of Defense J ennifer Lang 20 May 2013 Agenda Issues Last Year The role of the Appointed Actuary - a Recap Role of the Risk Function and CRO Three lines
More informationBasel III Pillar 3. Capital Adequacy and Risks Disclosures as at 30 September 2017
Basel III Pillar 3 Capital Adequacy and Risks Disclosures as at 30 September 2017 Commonwealth Bank of Australia ACN 123 123 124 8 November 2017 This page has been intentionally left blank Table of Contents
More informationWestpac Interim Results Chief Executive Officer, BT Financial Group
Westpac Interim Results 2003 David Morgan Philip Chronican David Clarke Chief Executive Officer Chief Financial Officer Chief Executive Officer, BT Financial Group 8 May 2003 Delivering strong growth Cash
More informationLong-term strategy delivers continuing customer satisfaction and profit growth
Long-term strategy delivers continuing customer satisfaction and profit growth Highlights of 2015 Result Statutory net profit after tax (NPAT) of $9,063 million up 5 per cent on prior year (1) (2) ; Cash
More informationCommonwealth Bank of Australia. Recent Developments
May 16, 2018 Commonwealth Bank of Australia Recent Developments The information set forth below is not complete and should be read in conjunction with the information contained on the Supplementary business
More informationMedia Release CBA 1H17 Results
Media Release CBA 1H17 Results For the half year ended 31 December 2016¹ Reported 15 February 2017 Summary Statutory net profit after tax (NPAT) of $4,895 million, up 6%. 2 Cash NPAT of $4,907 million,
More informationProtected Loan Taxation Guide
Protected Loan Taxation Guide An Explanatory Note The taxation implications of your Protected Loan (PL) can depend on a number of factors. In order to assist you in identifying the implications of your
More information2000 Interim Results. Australia and New Zealand Banking Group Limited. 1 May 2000
2000 Interim Results Australia and New Zealand Banking Group Limited 1 May 2000 ANZ Delivers on Financial Commitments Double-digit earnings growth 14. EPS 10 Increase ROE towards 20 17.8 (17.3) 53 cost
More informationSuncorp Metway Ltd. John Mulcahy, Chief Executive Officer. UBS Global Financial Services Conference. 12 May 2008
Suncorp Metway Ltd John Mulcahy, Chief Executive Officer UBS Global Financial Services Conference 12 May 2008 Agenda Overview of Suncorp Key numbers Key challenges Summary Suncorp at a glance Group total
More informationInvestor and Analyst Briefing
Investor and Analyst Briefing David Willis Group Executive 8 September 2000 Disclaimer The material contained in the following presentation is intended to be general background information on Westpac Banking
More informationCBA Board Audit Committee Charter
Commonwealth Bank of Australia ACN 123 123 124 CBA Board Audit Committee Charter 1. Purpose and Duties of the Audit Committee 1.1. It is the policy of the Group to have an Audit Committee of the Board
More informationTuesday, 28 October About the CBG Fund 1. CBG Australian Equities Fund Performance
MARKET ANNOUNCEMENT CBG Fund September 2014 Quarterly Report Tuesday, 28 October 2014 The September 2014 Quarterly Report from CBG Asset Management Limited (CBG) on the performance of its CBG Australian
More informationCommonwealth Bank PERLS VI Investor Presentation
Commonwealth Bank PERLS VI Investor Presentation 3 September 2012 Investments in PERLS VI are an investment in CBA and may be affected by the ongoing performance, financial position and solvency of CBA.
More informationANZ Trading Update. Australia and New Zealand Banking Group Limited 28 July Investor Pack
ANZ Trading Update Australia and New Zealand Banking Group Limited 28 July 2008 Investor Pack 1 Portfolio arrears trending upwards Australia Credit Cards 60+ Days Arrears 2.0% Credit Card & Home Loan 60+
More informationResults Presentation For the half year ended 31 December 2009
100 YEARS OF BANKING ON AUSTRALIA S FUTURE Media Presentation FOR THE HALF YEAR ENDED 31 DECEMBER 2011 Ian Narev Chief Executive Officer Results Presentation For the half year ended 31 December 2009 10
More informationProfit Announcement For the full year ended 30 June 2013
Profit Announcement For the full year ended 30 June 2013 COMMONWEALTH BANK OF AUSTRALIA ACN 123 123 124 14 AUGUST 2013 FIND OUT MORE VIA OUR APP ASX Appendix 4E Results for announcement to the market (1)
More informationASX Media Release. For the Half Year ended 31 December 2009
ASX Media Release For the Half Year ended 31 December 2009 COMMONWEALTH BANK OF AUSTRALIA PROFIT ANNOUNCEMENT FOR HALF YEAR ENDED 31 DECEMBER 2009 Sydney 29 January 2010: The Commonwealth Bank of Australia
More informationEarnings and target price revision. Price catalyst. Catalyst: 1H14 result in February Action and recommendation
AUSTRALIA CBA AU Price (at 06:10, 10 Sep 2013 GMT) Neutral A$73.63 Valuation A$ - DCF (WACC 10.3%, beta 1.0, ERP 5.0%, RFR 5.5%) 50.40 12-month target A$ 66.15 12-month TSR % -5.0 Volatility Index Low
More informationSwedbank s year-end 2011 results. Michael Wolf, CEO Göran Bronner, CFO Håkan Berg, CRO
Swedbank s year-end 2011 results Michael Wolf, CEO Göran Bronner, CFO Håkan Berg, CRO Delivered according to last years prospects Net profit of SEK 11.7bn for 2011 Core Tier 1 capital ratio of 15.7 per
More informationWestpac Banking Corporation
Westpac Banking Corporation Philip Chronican Group Executive Westpac Institutional Bank March 7 Westpac Banking Corporation at a glance Australia s first bank est. 87 Top bank globally Consistent earnings
More informationAllianz Group Fiscal Year 2012
Allianz Group Fiscal Year 2012 Michael Diekmann CEO Allianz SE Financial press conference February 21, 2013 Based on preliminary figures Overview 2012 EUR 106.4bn Total revenues EUR 9.5bn Operating profit
More informationBasel II Pillar 3. Capital Adequacy and Risk Disclosures. Determined to offer strength in uncertain times. as at 30 June 2009
Determined to offer strength in uncertain times. Basel II Pillar 3 Capital Adequacy and Risk Disclosures as at 30 June 2009 Commonwealth Bank of Australia ACN 123 123 124 Table of Contents 1. Introduction...
More informationBasel II Pillar years of banking on Australia s future. Capital Adequacy and risk disclosures as at 31 December FEBRUARY 2012
100 years of banking on Australia s future Basel II Pillar 3 Capital Adequacy and risk disclosures as at 31 December 2011 15 FEBRUARY 2012 Commonwealth bank of Australia ACN 123 123 124 Table of Contents
More informationBank of Queensland. Half-Year Results 29 February FY08 Half-Year Results
Bank of Queensland Half-Year Results 29 February 2008 1 Agenda Result highlights Financial result in detail BOQ Portfolio Strategy and outlook David Liddy Managing Director & CEO Ram Kangatharan Group
More informationBasel III Pillar 3. Capital Adequacy and Risks Disclosures as at 31 December 2017
Basel III Pillar 3 Capital Adequacy and Risks Disclosures as at 31 December 2017 Commonwealth Bank of Australia ACN 123 123 124 7 February 2018 Images Mastercard is a registered trademark and the circles
More informationInvestor Presentation
Investor Presentation 16 th and 17 th November, 2010 Who we are ASB New Zealand s Best Bank Established in 1847 CBA acquired 75% in 1989 Wholly owned by CBA since 2000 Total Assets NZ$63.56bn as at June
More informationBasel II Pillar years of banking on Australia s future. Capital Adequacy and risk disclosures Quarterly update as at 31 MARCH 2012
100 years of banking on Australia s future Basel II Pillar 3 Capital Adequacy and risk disclosures Quarterly update as at 31 MARCH 2012 Commonwealth bank of Australia ACN 123 123 124 Commonwealth Bank
More informationPillar 3 report. Table of Contents. Introduction 1. Scope of Application 2. Capital 3. Credit Risk Exposures 4. Credit Provision and Losses 6
Pillar 3 report Table of Contents Section 1 Introduction 1 Section 2 Scope of Application 2 Section 3 Capital 3 Section 4 Credit Risk Exposures 4 Section 5 Credit Provision and Losses 6 Section 6 Securitisation
More informationCOMMONWEALTH BANK OF AUSTRALIA PROFIT ANNOUNCEMENT FOR HALF YEAR ENDED 31 DECEMBER 2010
COMMONWEALTH BANK OF AUSTRALIA PROFIT ANNOUNCEMENT FOR HALF YEAR ENDED 31 DECEMBER 2010 Sydney 7 February 2011: The Commonwealth Bank of Australia (the Group) is scheduled to release its results for the
More informationPresentation of Half Year Results for 31 December February 2006
Presentation of Half Year Results for 31 December 2005 Ralph Norris Chief Executive Officer Michael Cameron Chief Financial Officer 15 February 2006 Disclaimer The material that follows is a presentation
More informationThe Role of Securitisation in Australia s Financial Markets. Chris Dalton 28 September 2009 Melbourne Centre for Financial Services
The Role of Securitisation in Australia s Financial Markets Chris Dalton 28 September 2009 Melbourne Centre for Financial Services Securitisation in Australia 1. Role of Securitisation in the Australian
More informationMARKETS ISSUANCE PROGRAMME Relating to Notes, Certificates and Warrants
SUPPLEMENTARY PROSPECTUS DATED 15 August 2017 Australia and New Zealand Banking Group Limited Australian Business Number 11 005 357 522 (Incorporated with limited liability in Australia) MARKETS ISSUANCE
More informationFinancial Year Summary
Mr Israel Lewis 1 PIER STREET PERTH WA 6000 Financial Year Summary Summary Information A/C 157211 Holdings valuation at start of period Holdings valuation at end of period +/- $11,062,132.02 $11,062,132.02
More informationBankinter Results Presentation 1Q April 2018 E Q U I P O D I R E C T I V O - A B R 1 8
Bankinter Results Presentation 1Q2018 26 April 2018 E Q U I P O D I R E C T I V O - A B R 1 8 RESULTS Regulatory framework 2 Bankinter presents its financial statements in accordance with the regulations
More informationCommonwealth Bank of Australia
NOT FOR RELEASE IN THE UNITED STATES: This presentation is not for distribution or release in the United States or to any U.S. person and may not be forwarded, reproduced, disclosed or distributed in whole
More information2004 Full Year Results. 8 November 2004
David Morgan Philip Chronican Chief Executive Officer Chief Financial Officer 8 November 2004 A strong, high quality result Strong top line revenue growth up 9% Strong bottom line cash earnings up 13%
More informationBasel III Pillar 3. Capital adequacy and risk disclosures Quarterly Update as at 31 March 2013
Basel III Pillar 3 Capital adequacy and risk disclosures Quarterly Update as at 31 March 2013 COMMONWEALTH BANK OF AUSTRALIA ACN 123 123 124 15 May 2013 Basel III Pillar 3 Capital Adequacy and Risk Disclosures
More information2016 PILLAR 3 REPORT. Incorporating the requirements of APS 330 Third Quarter Update as at 30 June 2016
PILLAR 3 REPORT Incorporating the requirements of APS 330 Third Quarter Update as at 30 June This page has been left blank intentionally third quarter pillar 3 report 1. Introduction third quarter pillar
More informationState Bank of India (Canada)
State Bank of India (Canada) Basel II Pillar 3 Disclosures December 2012 Note to Readers This document is prepared in accordance with OSFI expectations (OSFI letters dated July 13, 2011 on Implementation
More informationBASEL II PILLAR 3 DISCLOSURE
2012 BASEL II PILLAR 3 DISCLOSURE HALF YEAR ENDED 31 MARCH 2012 APS 330: CAPITAL ADEQUACY & RISK MANAGEMENT IN ANZ Important notice This document has been prepared by Australia and New Zealand Banking
More informationCOMMONWEALTH BANK OF AUSTRALIA DELIVERS CASH EARNINGS GROWTH OF 8 PER CENT FOR FIRST HALF Highlights of the 2015 Interim Result
COMMONWEALTH BANK OF AUSTRALIA DELIVERS CASH EARNINGS GROWTH OF 8 PER CENT FOR FIRST HALF 2015 Highlights of the 2015 Interim Result Statutory NPAT of $4,535 million up 8 per cent; (1,2,3) Cash NPAT of
More informationWestpac Institutional Bank
Westpac Institutional Bank Philip Coffey - Group Executive 31 July 2003 Agenda Business overview Transformation Expanded capabilities and growth path 2 Investors Business overview: why WIB is different
More informationMorgan Stanley Investor Conference. Brian Hartzer Group Managing Director, Personal
Morgan Stanley Investor Conference Brian Hartzer Group Managing Director, Personal 1 A good year met our targets again Headline profit 16.2% Cash * profit 13.8% Revenue Growth 8.4% # Profit Before Provisions
More informationInvestor Presentation. Australia and New Zealand Banking Group Limited November 2002
Investor Presentation Australia and New Zealand Banking Group Limited November 22 Outline Result review Overview Revenue/Costs Credit Quality Delivering for all stakeholders Strategy Outlook 2 Investor
More informationMichael Cameron Group Executive, Retail Banking Services. Mark Jones Regional General Manager, South & Western Australia
Michael Cameron Group Executive, Retail Banking Services Mark Jones Regional General Manager, South & Western Australia Fred Pollock Executive General Manager, Group Sales & Service Geoff Austin Executive
More informationOperating momentum across all divisions, cash earnings up 4 per cent
Operating momentum across all divisions, cash earnings up 4 per cent Interim Result Highlights Half year to 31 December 2015. Unless otherwise indicated, all comparisons are to prior comparative period.
More informationAustralian Microcap Investment Conference
Australian Microcap Investment Conference Presented by Michael Ohanessian, CEO 17 October 2018 Praemium Limited ACN: 098 405 826 Disclaimer 2 The material contained in this document is a presentation of
More informationStrength in capital and operating performance supporting customers, delivering for shareholders
Strength in capital and operating performance supporting customers, delivering for shareholders Highlights of the Full Year 2016 Results Statutory net profit after tax (NPAT) up 2% to $9,227 million 1,
More informationBank of New Zealand Ltd
Bank of New Zealand Ltd Unsecured Unsubordinated Bonds 21 MARCH 2013 Key Features Issue Ticker Amount on Issue $000,000 Maturity Date Coupon %pa Coupon Payment Date BNZ090 460 27/05/2013 8.56 27 May /
More informationCOMMONWEALTH BANK OF AUSTRALIA 2014 FULL YEAR PROFIT ANNOUNCEMENT TEMPLATE
COMMONWEALTH BANK OF AUSTRALIA 2014 FULL YEAR PROFIT ANNOUNCEMENT TEMPLATE The Commonwealth Bank of Australia ( the Group ) is scheduled to announce its annual results on 13 August 2014. In addition to
More informationPillar 3 report. Table of Contents. Introduction 1. Scope of Application 2. Capital 3. Credit Risk Exposures 4. Credit Provision and Losses 6
Pillar 3 report Table of Contents Section 1 Introduction 1 Section 2 Scope of Application 2 Section 3 Capital 3 Section 4 Credit Risk Exposures 4 Section 5 Credit Provision and Losses 6 Section 6 Securitisation
More informationFinancial Data Supplement Q3 2017
Financial Data Supplement Q3 2017 26 October 2017 Due to rounding, numbers presented throughout this document may not sum precisely to the totals we provide and percentages may not precisely reflect the
More informationWestpac Banking Corporation
Westpac Banking Corporation David Morgan Chief Executive Officer March 2007 Westpac Banking Corporation at a glance Australia s first bank est. 1817 Top 50 bank globally 1 Consistent earnings growth Strong
More informationANZ Basel II Pillar 3 disclosure December 2009 BASEL II PILLAR 3 IN ACCORDANCE WITH APS 330 QUARTER ENDED 31 DECEMBER 2009
09 BASEL II PILLAR 3 ANZ Basel II Pillar 3 disclosure IN ACCORDANCE WITH APS 330 QUARTER ENDED 31 DECEMBER 1 ANZ Basel II Pillar 3 disclosure Important Notice This document has been prepared by Australia
More informationANZ Investor Day Auckland, New Zealand
ANZ Investor Day Auckland, New Zealand AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED Thursday, 4 June 2015 New Zealand Update Antonia Watson CHIEF FINANCIAL OFFICER, NEW ZEALAND Delivering stable low-risk
More informationOVERVIEW 3Q Expansion of Investment Bank, payroll loan and credit cards PORTFOLIO EXPANSION Beginning of operations in auto finance
OVERVIEW 1. HISTORY 1991 Beginning of operations as a multiple bank 2002 Nassau Branch 2007 Expansion of Investment Bank, payroll loan and credit cards 2015 Promotiva S.A. (payroll loans origination to
More informationPresentation of Full Year Results for period ended 30 June 2004
Presentation of Full Year Results for period ended 30 June 2004 David Murray Chief Executive Officer Michael Cameron Chief Financial Officer 11 August 2004 www.commbank.com.au Disclaimer The material that
More informationMarch Quarter 2008 Trading Update
Commonwealth Bank of Australia March Quarter 2008 Trading Update Investor Information Pack 15 May 2008 Commonwealth Bank of Australia ACN 123 123 124 Executive Summary Environment Global credit markets
More informationCOMMONWEALTH BANK OF AUSTRALIA PROFIT ANNOUNCEMENT FOR YEAR ENDED 30 JUNE 2010
COMMONWEALTH BANK OF AUSTRALIA PROFIT ANNOUNCEMENT FOR YEAR ENDED 30 JUNE 2010 Sydney 5 August 2010: The Commonwealth Bank of Australia (the Group) is scheduled to release its results for the year ended
More informationBasel II Pillar 3. Capital Adequacy and Risk Disclosures as at 31 December Determined to be better than we ve ever been.
Determined to be better than we ve ever been. Basel II Pillar 3 Capital Adequacy and Risk Disclosures as at 31 December 2010 Commonwealth bank of Australia ACN 123 123 124 Table of Contents 1 Introduction
More informationCompany No H. MIZUHO BANK (MALAYSIA) BERHAD Incorporated in Malaysia
Company No. 923693 H MIZUHO BANK (MALAYSIA) BERHAD FOR THE FINANCIAL YEAR QUARTER 30 SEPTEMBER 2016 1.0 SCOPE OF APPLICATION The Pillar 3 Disclosure for financial reporting beginning 1 January 2010 is
More informationAMP Financial Services. AMP Financial Services - market update. Craig Dunn Managing Director. 22 June 2005
AMP Financial Services - market update Craig Dunn Managing Director AMP Financial Services 22 June 2005 Agenda AMP Financial Services (AFS) competitive position Perspectives on super choice, margins and
More informationAMP driving value and growth. Andrew Mohl Chief Executive Officer
AMP driving value and growth Andrew Mohl Chief Executive Officer Outline AMP today 1H 04 financial results Summary Overview Outlook - 2H 2004 and 2005 Strategic focus Industry landscape AMP s competitive
More informationPILLAR3 AS AT31MARCH 2016
BASEL I PILLAR3 CAPITALADEQUACY AND RISKS DISCLOSURES AS AT31MARCH 2016 COMMONWEALTH BANK OFAUSTRALIA ACN 123123124 9MAY2016 This page has been intentionally left blank Table of Contents 1 Introduction
More informationAustralian Banks. The chicken or the egg AUSTRALIA. Growth under threat... but undeniable valuation support. Inside
AUSTRALIA Inside The chicken or the egg 2 Earnings/price target changes 4 Margins outlook upside overstated Deteriorating credit quality outlook 17 Attractive valuations... but need to be brave 26 Returns
More information