Banking and Financial Services: approx. 70%
Asset Management: approx. 15%
Insurance Services: approx. 10%
Other Services: approx. 5%

TOP 3 Markets:

Australia: approx. 80%
New Zealand: approx. 15%
Asia-Pacific Region: approx. 5%

The Commonwealth Bank of Australia generates the majority of its revenue from the area of banking and financial services, which is typical for a large bank. The Australian market is the dominant market for the bank, followed by New Zealand and the Asia-Pacific region. This reflects the bank's geographical focus and strategic priorities.

Production: No physical production

The Commonwealth Bank of Australia (ASX:CBA) is one of the largest banks in Australia and primarily offers financial services. As a financial institution, CBA does not produce physical products. Their "products" include banking services such as accounts, loans, mortgages, insurance, and investment solutions.

These services are provided through a network of branches, online platforms, and mobile applications. The bank operates mainly in Australia but also has international branches in Asia, New Zealand, North America, and Europe.

Revenue Growth: Estimated 6-8% annually (2025, based on historical data and market analysis)

Profit Growth: Estimated 5-7% annually (2025, based on historical data and market analysis)

The Commonwealth Bank of Australia is pursuing a growth strategy focused on digitization and customer experience. A key component of this strategy is increased investment in digital platforms and technologies to enhance customer service and offer more efficient banking services.

Additionally, the bank is focusing on diversifying its services, particularly in wealth management and retail banking. By introducing new digital products and services, the bank aims to expand its market share both domestically and internationally.

Another strategic focus is on sustainable financing. The Commonwealth Bank has committed to increasing its investments in environmentally friendly projects and aligning its business practices with sustainability principles to ensure long-term growth and meet regulatory requirements.

Main imported raw materials/materials: Data not specifically available.

Countries of origin: Data not specifically available.

The Commonwealth Bank of Australia (CBA) is primarily a financial institution and not a manufacturing company. Therefore, it does not import raw materials or materials itself. Its main activities include banking services, financial products, and insurance.

If you need information on raw materials or materials financed by companies supported by CBA, it would be necessary to consider the specific industries and companies financed by the bank. In such cases, raw materials such as iron ore, coal, or natural gas could be relevant, typically exported from Australia to countries like China, Japan, and South Korea.

Market share in the Australian banking sector: approx. 25% (2023)
Common Equity Tier 1 (CET1) capital ratio: 11.8% (2023)
Customer satisfaction rate: 80% (2023, Roy Morgan)

The Commonwealth Bank of Australia (CBA) holds a significant competitive advantage in the Australian banking sector. With a market share of around 25%, it is the largest bank in Australia, giving it a strong market position. This position allows CBA to benefit from economies of scale and offer its services more efficiently than smaller competitors.

Another important aspect of its competitive advantage is its solid capital base. With a Common Equity Tier 1 capital ratio of 11.8%, the bank demonstrates financial stability and the ability to meet regulatory requirements, building trust among investors and customers.

The high customer satisfaction rate of 80% underscores CBA's ability to effectively meet customer needs and maintain long-term customer relationships. This is crucial for strengthening customer loyalty and sustaining the competitive advantage.

Additionally, CBA continuously invests in digital innovations, enhancing its efficiency and improving the customer experience. These strategic investments help keep the bank competitive in a rapidly changing market environment.

Institutional investor share: approx. 60% (2025, estimated)

Insider purchases/sales: No significant insider transactions reported (2025, estimated)

The institutional investor share in the Commonwealth Bank of Australia typically stands at around 60%. This reflects the confidence of large investment funds and institutional investors in the bank's stability and performance.

In 2025, no significant insider transactions were reported, indicating that management does not expect any major changes in the bank's valuation. This can be seen as a sign of stable corporate governance and a balanced outlook on future developments.

Market share of the Commonwealth Bank of Australia (CBA): approx. 25% (2025, estimate based on historical data)

Main competitors and their market shares:

1. Westpac Banking Corporation (ASX:WBC): approx. 23%
2. Australia and New Zealand Banking Group (ASX:ANZ): approx. 22%
3. National Australia Bank (ASX:NAB): approx. 20%
4. Macquarie Group (ASX:MQG): approx. 5%
5. Bendigo and Adelaide Bank (ASX:BEN): approx. 3%

The Commonwealth Bank of Australia (CBA) is one of the leading financial service providers in Australia and holds a significant market share in the banking sector. Its moat is based on its strong brand recognition, an extensive branch network, and a wide range of products that cater to both retail customers and institutional services.

Compared to its competitors, CBA has a solid technological edge, especially in the field of digital banking, which is considered a significant competitive advantage. Investments in technology and customer experience have enabled CBA to strengthen its market position.

However, competitors like Westpac and ANZ have also made substantial investments in technology and innovation, intensifying the competition. The moat of CBA is present but not insurmountable, as the competition is also well-positioned and continuously invests in their capabilities.

Revenue Growth: 4.5% (2024) Profit Growth: 3.8% (2024) Return on Equity: 12.1% (2024) Credit Growth: 5.2% (2024)

The Commonwealth Bank of Australia recorded a moderate revenue growth of 4.5% in 2024, indicating stable demand for its financial services. Profit growth was at 3.8%, demonstrating that the company was able to maintain its profitability despite a challenging economic environment.

The return on equity of 12.1% is an indicator of efficient use of equity capital and is at the higher end compared to other major banks. This speaks to solid financial health and management efficiency.

The credit growth of 5.2% suggests that the bank was able to expand its loan portfolio, which is positive for future interest income. This is particularly important in a rising interest rate environment as it can improve margins.

Overall, the Commonwealth Bank of Australia demonstrates strong financial performance and solid growth metrics, making it a potentially good investment, especially for investors interested in stable and established financial institutions.

Dividend yield: 4.5% (estimated for 2025)
Dividend history: Continuous payout over the last 5 years

The Commonwealth Bank of Australia (CBA) is known for its reliable dividend policy. In recent years, the bank has regularly distributed dividends to its shareholders, indicating a stable financial foundation and a strong business model.

The estimated dividend yield of 4.5% for 2025 suggests that the bank continues to strive to achieve attractive returns for its investors. This reliability in payout is an indicator of the financial health of the bank and the confidence in its future earnings power.