{ "schemaVersion": 1, "organisationId": "O-62644552c9fe4e30a69effceb69f632d", "slug": "commonwealth-bank-of-australia", "name": "Commonwealth Bank of Australia", "updatedAt": "2026-09-28T14:23:45.860692Z", "sections": [ { "type": "OVERVIEW", "text": "Commonwealth Bank of Australia (CBA) is an Australian financial-services group whose core business is retail and commercial banking. It provides deposits, lending and payment services to individuals and businesses, alongside institutional banking and markets services, insurance and sharebroking. Its main market is Australia; in New Zealand, it operates principally through ASB. The group also has an international presence supporting banking and institutional clients. [P25637272][P15669628][https://www.commbank.com.au/about-us/our-company/international-branches.html]\n\nFounded in 1911, CBA states its purpose as “building a brighter future for all.” It serves more than 18 million customers and reported more than 55,000 employees and A$28.5 billion in operating income for the financial year ended June 2025. [https://www.commbank.com.au/about-us/our-company/history.html][P103825434][P15669628][P70499045][P50800655]\n[P25637272][P15669628][P103825434][P70499045][P50800655][https://www.commbank.com.au/about-us/our-company/international-branches.html][https://www.commbank.com.au/about-us/our-company/history.html]", "updatedAt": "2026-09-28T14:23:45.860692Z" }, { "type": "PRODUCTS", "text": "Commonwealth Bank of Australia offers personal transaction and savings accounts, home loans, credit cards and personal loans. Everyday Smart Access is a transaction account with a debit card; GoalSaver pays bonus interest when monthly balance-growth conditions are met; and NetBank Saver is an online savings account linked to a transaction account. Its home-loan range includes fixed- and variable-rate loans, with offset accounts or redraw available on eligible loans. Customers can manage accounts, payments and card settings through the CommBank app and NetBank. [https://www.commbank.com.au/banking/everyday-account-smart-access.html][https://www.commbank.com.au/banking/goal-saver.html][https://www.commbank.com.au/banking/netbank-saver.html][https://www.commbank.com.au/home-loans/types.html][https://www.commbank.com.au/home-loans/interest-offset.html][https://www.commbank.com.au/home-loans/redraw.html][https://www.commbank.com.au/digital-banking/commbank-app.html][https://www.commbank.com.au/digital-banking/netbank.html]\n\nFor businesses, its products include the Business Transaction Account, Business Online Saver, BetterBusiness Loan and Stream Working Capital, an invoice-finance facility that advances funds against eligible unpaid invoices. CommBiz provides online banking with configurable staff permissions and payment authorisations. Its merchant services include Smart Mini, a Bluetooth-connected card reader for payments through a phone or tablet. For institutional clients, the bank provides payments and cash management, lending and debt-capital services, trade finance, and financial-markets and risk-management products. [https://www.commbank.com.au/business/bank-accounts/business-transaction-account.html][https://www.commbank.com.au/business/bank-accounts/business-online-saver.html][https://www.commbank.com.au/business/loans-and-finance/betterbusiness-loan.html][https://www.commbank.com.au/business/loans-and-finance/stream-working-capital.html][https://www.commbank.com.au/business/online-banking/commbiz.html][https://www.commbank.com.au/business/payments/eftpos-terminals/smart-mini.html][https://www.commbank.com.au/institutional/client-solutions/corporate-and-institutional-transaction-banking.html][https://www.commbank.com.au/institutional/client-solutions/carbon-trade-and-commodities.html]\n\nThe group also offers investing services, including CommSec share and ETF trading, and serves New Zealand customers through ASB. In fiscal 2025, Retail Banking Services generated approximately 46% of total segment operating income, Business Banking 32%, Institutional Banking and Markets 10%, and New Zealand 11%. These are segment shares, not revenue shares for individual products. [https://www.commbank.com.au/investing/commsec-australian-shares.html][https://www.asb.co.nz/commercial-corporate-banking/corporate-banking.html][T11026870]\n[T11026870][https://www.commbank.com.au/banking/everyday-account-smart-access.html][https://www.commbank.com.au/banking/goal-saver.html][https://www.commbank.com.au/banking/netbank-saver.html][https://www.commbank.com.au/home-loans/types.html][https://www.commbank.com.au/home-loans/interest-offset.html][https://www.commbank.com.au/home-loans/redraw.html][https://www.commbank.com.au/digital-banking/commbank-app.html][https://www.commbank.com.au/digital-banking/netbank.html][https://www.commbank.com.au/business/bank-accounts/business-transaction-account.html][https://www.commbank.com.au/business/bank-accounts/business-online-saver.html][https://www.commbank.com.au/business/loans-and-finance/betterbusiness-loan.html][https://www.commbank.com.au/business/loans-and-finance/stream-working-capital.html][https://www.commbank.com.au/business/online-banking/commbiz.html][https://www.commbank.com.au/business/payments/eftpos-terminals/smart-mini.html][https://www.commbank.com.au/institutional/client-solutions/corporate-and-institutional-transaction-banking.html][https://www.commbank.com.au/institutional/client-solutions/carbon-trade-and-commodities.html][https://www.commbank.com.au/investing/commsec-australian-shares.html][https://www.asb.co.nz/commercial-corporate-banking/corporate-banking.html]", "updatedAt": "2026-09-28T14:23:45.860692Z" }, { "type": "GEOGRAPHY", "text": "Commonwealth Bank of Australia’s principal market is Australia. New Zealand is its largest distinct overseas banking market, served through ASB. Beyond these markets, its international presence is concentrated on corporate and institutional banking: it lists branches in China, Hong Kong, Japan, Singapore and New York, a European hub in Amsterdam, and offices in London and Auckland. [https://www.commbank.com.au/about-us/our-company/international-branches/asia.html][https://www.commbank.com.au/about-us/our-company/international-branches/european-union.html][https://www.commbank.com.au/about-us/our-company/international-branches/europe.html][https://www.commbank.com.au/about-us/our-company/international-branches/north-america.html][https://www.commbank.com.au/about-us/our-company/international-branches/new-zealand.html]\n\nAt 30 June 2025, its 51,346 full-time-equivalent employees were located primarily in Australia (37,107), with 6,751 in New Zealand, 6,788 in India and 700 elsewhere. The New Zealand figure counts ASB employees; other CBA staff based there are included in “Other.” [P112574173][https://company-announcements.afr.com/asx/cba/6fce831a-77c4-11f0-9f86-ba9ff9932dd6.pdf] The bank reports New Zealand as a separate operating segment, but its segment reporting does not provide a complete country-by-country allocation of group income. [https://company-announcements.afr.com/asx/cba/6fce831a-77c4-11f0-9f86-ba9ff9932dd6.pdf]\n[P112574173][T3181217][T5958813][T11026870][https://www.commbank.com.au/about-us/our-company/international-branches/asia.html][https://www.commbank.com.au/about-us/our-company/international-branches/european-union.html][https://www.commbank.com.au/about-us/our-company/international-branches/europe.html][https://www.commbank.com.au/about-us/our-company/international-branches/north-america.html][https://www.commbank.com.au/about-us/our-company/international-branches/new-zealand.html][https://company-announcements.afr.com/asx/cba/6fce831a-77c4-11f0-9f86-ba9ff9932dd6.pdf]", "updatedAt": "2026-09-28T14:23:45.860692Z" }, { "type": "SEGMENTS", "text": "Commonwealth Bank of Australia reports four customer-facing segments. Retail Banking Services provides everyday banking, home lending and investment products to personal and private-banking customers, including retail activity under the Bankwest and Unloan brands [P87941819]. Business Banking serves business, corporate and agribusiness customers; it also includes Bankwest business banking and CommSec’s equities trading and margin lending services [P42641379].\n\nInstitutional Banking and Markets provides financing, transaction banking, capital-markets access and risk-management services to large corporate, institutional and government clients [P106013568]. New Zealand comprises the ASB-branded banking and funds-management businesses, serving personal, business and rural customers [P50870272]. Based on operating income for the year ended 30 June 2025, Retail Banking Services contributed approximately 46% of the group total, Business Banking 32%, Institutional Banking and Markets 10%, and New Zealand 11%. The remaining roughly 1% was attributed to Corporate Centre and Other, which includes central investments, support functions and unallocated items [https://www.commbank.com.au/content/dam/commbank-assets/investors/docs/results/fy25/full-year-profit-announcement.pdf][P96548416].\n[P87941819][P42641379][P106013568][P50870272][P96548416][T11026870][T11026870][T11026870][T11026870][T11026870][T11026870][https://www.commbank.com.au/content/dam/commbank-assets/investors/docs/results/fy25/full-year-profit-announcement.pdf]", "updatedAt": "2026-09-28T14:23:45.860692Z" }, { "type": "HISTORY", "text": "Commonwealth Bank of Australia was established by legislation passed in 1911 and opened its first branch in Melbourne on 15 July 1912. Originally a government-owned savings and trading bank, it progressively assumed central-banking responsibilities. Those functions were separated from its commercial banking operations when the Reserve Bank of Australia began operating in 1960. [https://www.commbank.com.au/about-us/our-company/history/1912-1990.html][https://www.rba.gov.au/education/resources/explainers/origins-of-the-reserve-bank-of-australia.html]\n\nThe Australian government began privatising Commonwealth Bank in 1991, and the process was completed in 1996. The bank subsequently expanded through major acquisitions, including Colonial Limited in 2000 and Bankwest in 2008. [https://www.commbank.com.au/content/dam/commbank/about-us/shareholders/pdfs/25-years-as-a-public-company.pdf][https://www.commbank.com.au/about-us/our-company/history/1991-onwards.html][https://www.commbank.com.au/about-us/shareholders/pdfs/2008-asx/Commonwealth_Bank_completes_acquisition_of_BankWest_and_St_Andrews_19December2008.pdf]\n[https://www.commbank.com.au/about-us/our-company/history/1912-1990.html][https://www.rba.gov.au/education/resources/explainers/origins-of-the-reserve-bank-of-australia.html][https://www.commbank.com.au/content/dam/commbank/about-us/shareholders/pdfs/25-years-as-a-public-company.pdf][https://www.commbank.com.au/about-us/our-company/history/1991-onwards.html][https://www.commbank.com.au/about-us/shareholders/pdfs/2008-asx/Commonwealth_Bank_completes_acquisition_of_BankWest_and_St_Andrews_19December2008.pdf]", "updatedAt": "2026-09-28T14:23:45.860692Z" } ], "sources": [ { "id": "P25637272", "href": "https://app.finbar.com/go?id=P25637272", "label": 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"id": "https://www.rba.gov.au/education/resources/explainers/origins-of-the-reserve-bank-of-australia.html", "href": "https://www.rba.gov.au/education/resources/explainers/origins-of-the-reserve-bank-of-australia.html", "label": "www.rba.gov.au" }, { "id": "https://www.commbank.com.au/content/dam/commbank/about-us/shareholders/pdfs/25-years-as-a-public-company.pdf", "href": "https://www.commbank.com.au/content/dam/commbank/about-us/shareholders/pdfs/25-years-as-a-public-company.pdf", "label": "www.commbank.com.au" }, { "id": "https://www.commbank.com.au/about-us/our-company/history/1991-onwards.html", "href": "https://www.commbank.com.au/about-us/our-company/history/1991-onwards.html", "label": "www.commbank.com.au" }, { "id": "https://www.commbank.com.au/about-us/shareholders/pdfs/2008-asx/Commonwealth_Bank_completes_acquisition_of_BankWest_and_St_Andrews_19December2008.pdf", "href": 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