Craytheon

Commonwealth Bank of Australia · Financials

ASX: CBA · Financials · Diversified Banks

A$174.03
At close 24 Jul 2026

Income Statement, FY16–FY25

Revenue, costs and profitability, exactly as reported in each year's audited accounts. Negative figures shown in (brackets).

10 financial years
Line item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Interest Income
Total Interest Income 33.8B 33.3B 34.1B 34.6B 30.2B 24.7B 24.3B 44.5B 61.0B 65.1B
Total Interest Expense (16.9B) (15.7B) (15.8B) (16.5B) (11.6B) (5.8B) (4.8B) (21.4B) (38.2B) (41.1B)
Net Interest Income 16.9B 17.6B 18.3B 18.1B 18.6B 18.8B 19.5B 23.1B 22.8B 24.0B
Credit Provisions
Provision for Loan Losses (1.3B) (1.1B) (1.1B) (1.2B) (2.5B) (554M) (357M) (1.1B) (802M) (726M)
Net Interest Income After Provisions 15.7B 16.5B 17.3B 16.9B 16.1B 18.3B 19.1B 21.9B 23.6B 24.7B
Non-Interest Income/Expense
Total Non-Interest Income 7.6B 11.7B 6.8B 6.2B 5.3B 5.6B 5.5B 4.5B 4.1B 4.3B
Total Non-Interest Expense (10.5B) (14.2B) (11.0B) (11.4B) (11.0B) (11.5B) (11.6B) (12.1B) (12.3B) (13.0B)
Income
Income Before Taxes 12.8B 13.9B 13.0B 11.8B 12.6B 12.4B 13.7B 14.3B 13.8B 14.5B
Income Tax (3.6B) (4.0B) (4.0B) (3.4B) (3.0B) (3.5B) (4.0B) (4.2B) (4.3B) (4.4B)
Net Income 9.2B 9.9B 9.3B 8.6B 9.6B 10.2B 10.8B 10.1B 9.4B 10.1B
Per Share Data
Basic EPS 5.423 5.776 5.343 4.856 5.424 5.748 6.254 5.972 5.614 6.051
Diluted EPS 5.292 5.591 5.177 4.686 5.21 5.397 6.014 5.838 5.578 6.042
Shares Outstanding (in millions)
Basic Shares 1.7B 1.7B 1.7B 1.8B 1.8B 1.8B 1.7B 1.7B 1.7B 1.7B
Diluted Shares 1.8B 1.8B 1.9B 1.9B 1.9B 1.9B 1.8B 1.8B 1.8B 1.7B

Balance Sheet, FY16–FY25

Assets, liabilities and shareholders' equity at each financial year end. Negative figures shown in (brackets).

10 financial years
Line item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Cash & Liquid Assets
Cash & Liquid Assets 23.4B 45.9B 36.4B 29.4B 44.2B 100.0B 161.2B 116.6B 83.1B 83.8B
Receivables from Financial Institutions 11.6B 10.0B 9.2B 8.1B 8.5B 5.1B 6.8B 6.1B 5.9B 7.6B
Central Bank Deposits – – – – – – – – – –
Trading & Investment Securities
Trading Assets 34.1B 32.7B 32.3B 32.5B – – – – – –
Derivative Assets 46.6B 31.7B 32.1B 25.2B 30.3B 21.4B 35.7B 23.9B 18.1B 24.7B
Investment Securities (Amortised Cost) – – – 7.4B 5.2B 4.3B 3.2B 2.0B 1.2B 633M
Investment Securities (FVOCI) 80.9B 83.5B 82.2B 78.9B 79.5B 86.6B 79.1B 84.1B 96.8B 107.0B
Loans & Advances
Loans & Other Receivables 695.4B 731.8B 743.4B 755.1B 773.0B 811.4B 878.9B 926.1B 942.2B 1,007.8B
Allowance for Loan Losses – – – – – – – – – –
Other Assets
Premises & Equipment 3.9B 3.9B 2.6B 2.4B 5.6B 5.3B 4.9B 5.0B 3.7B 3.6B
Goodwill – – – – – – – – – –
Intangible Assets 10.4B 10.0B 9.1B 8.0B 6.9B 6.9B 6.9B 7.4B 7.6B 8.1B
Deferred Tax Assets 389M 962M 1.4B 1.7B 2.1B 2.1B 3.2B 3.8B 3.8B 2.6B
Other Assets 7.2B 7.9B 6.9B 7.1B 8.8B 6.8B 6.0B 7.4B 11.9B 11.6B
Total Assets 933.0B 976.4B 975.2B 976.5B 1,015.5B 1,092.0B 1,215.3B 1,252.8B 1,254.1B 1,353.8B
Deposits
Deposits & Public Borrowings 588.0B 626.7B 622.2B 636.0B 703.4B 766.4B 857.6B 865.0B 882.9B 937.9B
Due to Financial Institutions
Payables to Financial Institutions 28.8B 28.4B 20.9B 23.4B 14.9B 19.1B 26.1B 21.9B 24.6B 28.0B
Derivative Liabilities 39.9B 30.3B 28.5B 22.8B 31.3B 18.5B 33.9B 25.3B 18.9B 25.1B
Liabilities Held for Sale – – 14.9B 15.8B 594M 405M 1.2B – – –
Borrowings & Debt
Short-term Borrowings – – – – – – – – – –
Long-term Borrowings – – – – – – – – – –
Debt Issues 161.3B 167.6B 172.3B 164.0B 142.5B 103.0B 116.9B 122.3B 144.5B 170.5B
Loan Capital (Tier 2) 15.5B 18.7B 23.0B 23.0B 27.4B 29.4B 28.0B 32.6B 35.9B 39.0B
Other Liabilities
Provisions 1.7B 1.8B 1.9B 2.8B 3.5B 3.7B 3.6B 3.0B 2.9B 2.8B
Current Tax Liabilities 1.0B 1.5B 952M 326M 795M 135M 263M 671M 503M 780M
Other Liabilities – – – – – – – – – –
Total Liabilities 872.4B 912.7B 907.3B 906.9B 943.5B 1,013.2B 1,142.4B 1,180.8B 1,181.0B 1,275.0B
Net Assets 60.6B 63.7B 67.9B 69.6B 71.9B 78.7B 72.8B 72.0B 73.1B 78.8B
Shareholders' Equity
Common Stock 33.8B 35.0B 37.3B 38.0B 38.1B 38.4B 36.5B 33.9B 33.6B 33.6B
Additional Paid-in Capital – – – – – – – – – –
Reserves 2.7B 1.9B 1.7B 3.1B 2.7B 3.2B (460M) (1.7B) (2.1B) 1.2B
Retained Earnings 23.4B 26.3B 28.4B 28.5B 31.1B 37.0B 36.8B 39.8B 41.6B 44.0B
Other Comprehensive Income – – – – – – – – – –
Non-controlling Interest 550M 546M 554M 55M 5M 5M 5M 5M – –
Total Shareholders' Equity 60.6B 63.7B 67.9B 69.6B 71.9B 78.7B 72.8B 72.0B 73.1B 78.8B
Total Liabilities & Equity 933.0B 976.4B 975.2B 976.5B 1,015.5B 1,092.0B 1,215.3B 1,252.8B 1,254.1B 1,353.8B

Cash Flow, FY16–FY25

Cash generated and spent across operating, investing and financing activities. Negative figures shown in (brackets).

10 financial years
Line item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Operating Activities
Interest Received 34.0B 33.5B 35.8B 34.8B 30.9B 25.2B 24.7B 43.3B 59.4B 64.2B
Provision for Loan Losses – – – – – – – – – –
Net Cash from Operating Activities (4.6B) (807M) 1.1B 18.1B 37.3B 41.3B 23.2B (8.4B) (25.6B) (825M)
Investing Activities
Purchase of Securities – (54.6B) (53.4B) (41.9B) (42.1B) (37.0B) – (34.6B) (71.3B) –
Purchase of PPE (1.3B) (602M) (477M) (326M) (910M) (235M) (231M) (683M) (401M) (478M)
Net Cash from Investing Activities (2.0B) (677M) (1.0B) 983M 3.7B 871M 2.7B (873M) (1.1B) (329M)
Financing Activities
Debt Repayments (99.4B) (81.8B) (68.3B) (76.4B) (64.7B) (49.6B) (52.9B) (49.3B) (80.9B) (67.1B)
Dividends Paid (5.8B) (6.1B) (5.4B) (6.9B) (7.6B) (4.1B) (6.5B) (7.1B) (7.6B) (7.9B)
Share Repurchases (1.0B) (92M) (95M) (93M) (65M) (71M) (6.5B) (2.5B) (362M) (154M)
Stock Issuance 108.0B (6M) 72.7B 58.0B 37.6B 5M 71.7B – 57.6B 89.3B
Net Cash from Financing Activities 1.6B 10.5B (934M) (25.7B) (30.7B) 18.3B 5.7B (3.7B) (33.3B) 7.6B
Cash Position
Net Change in Cash (5.0B) 9.0B (827M) (6.7B) 10.3B 60.5B 31.6B (13.0B) (60.0B) 6.4B
Effect of Forex Changes 150M (318M) 715M 675M 17M (465M) 355M 828M 138M 623M
Cash at Beginning of Period 19.3B 14.4B 23.1B 23.0B 17.0B 27.4B 87.4B 119.4B 107.2B 47.3B
Cash at End of Period 14.4B 23.1B 23.0B 17.0B 27.4B 87.4B 119.4B 107.2B 47.3B 54.4B

Analysis

How have Commonwealth Bank of Australia's (CBA) net interest income, margins and earnings per share trended over time?

Commonwealth Bank of Australia's net interest income has grown steadily across the reported years, from $16.9B in FY2016 to $24.0B in FY2025, with the largest jump between FY2022's $19.5B and FY2023's $23.1B. Non-interest income has moved in the opposite direction, falling from $7.6B in FY2016 to $4.3B in FY2025, after peaking at $11.7B in FY2017. Net interest income has therefore become an increasingly large share of the bank's combined income over the decade of results.

Net interest margin has fluctuated in a narrow range across the period, from a low of 1.9% in FY2022 to a high of 2.2% in FY2018, and stood at 2.1% in FY2025. Provisions for loan losses, which reduce reported earnings, ranged from $357M in FY2022 to $2.5B in FY2020, and were $726M in FY2025, pointing to year-to-year variability in credit costs rather than a steady trend.

Diluted earnings per share rose from $5.29 in FY2016 to $6.04 in FY2025, the highest level across the ten years of reported figures, although the path was uneven: EPS dropped to $4.69 in FY2019 before climbing back above $6.00 in FY2022 and again in FY2025. Over the same period the number of basic shares outstanding edged down from 1.69 billion in FY2016 to 1.67 billion in FY2025, after peaking near 1.77 billion in FY2020 and FY2021.

Updated 6 Jul 2026

Is Commonwealth Bank's (CBA) balance sheet resilient - what do assets, deposits and equity show?

Total assets grew from $933.0B in FY2016 to $1,353.8B in FY2025, alongside loans and other receivables rising from $695.4B to $1,007.8B and deposits and public borrowings increasing from $588.0B to $937.9B over the same period. The ratio of loans to deposits implied by these figures eased from roughly 1.18x in FY2016 to about 1.07x in FY2025, meaning deposit growth kept broadly in step with, or slightly ahead of, loan growth by the end of the period.

Shareholder equity increased from $60.6B in FY2016 to $78.8B in FY2025, with retained earnings nearly doubling from $23.4B to $44.0B. Total liabilities grew from $872.4B to $1,275.0B over the same span, roughly matching the growth in the asset base, while the ratio of total liabilities to equity moved from about 14.4x in FY2016 to about 16.2x in FY2025.

Updated 4 Jul 2026

How much operating cash has Commonwealth Bank (CBA) generated, and what has it returned to shareholders?

Net operating cash flow has swung considerably across the reported years, from -$4.6B in FY2016 to a peak of $41.3B in FY2021, before turning negative again more recently: -$8.4B in FY2023, -$25.6B in FY2024 and -$0.8B in FY2025. Capital expenditure is not disclosed in the company's reported figures, so a free cash flow figure cannot be derived from what's available.

Dividends paid grew from $5.8B in FY2016 to $7.9B in FY2025, with a notable dip to $4.1B in FY2021. Share buybacks were comparatively modest in most years, often under $100M, but spiked sharply to $6.5B in FY2022 before easing back to $154M by FY2025.

Updated 4 Jul 2026

AI-assisted analysis generated from Craytheon's verified financial data · How this works

Data is general information only, not financial advice. Figures are as reported in company filings (some ASX companies report in USD); share prices are AUD.