{"id":2654,"date":"2023-07-27T07:13:20","date_gmt":"2023-07-27T07:13:20","guid":{"rendered":"https:\/\/www.syfe.com\/au\/learn\/?p=2654"},"modified":"2023-08-04T07:05:35","modified_gmt":"2023-08-04T07:05:35","slug":"commonwealth-bank-of-australia-the-story-so-far-in-2023","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/au\/learn\/commonwealth-bank-of-australia-the-story-so-far-in-2023\/","title":{"rendered":"Commonwealth Bank of Australia: The Story So Far in 2023"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Before the Commonwealth Bank of Australia (CBA) reports their latest set of results during Australia\u2019s upcoming earnings season, take a look back at our analysis and summary of the company\u2019s recent operating results. <\/p>\n\n\n\n

The piece below was originally published in our <\/strong>ASX 2023 Playbook<\/strong><\/a>: What\u2019s your next move – during the start of 2023. <\/strong><\/p>\n\n\n\n

With Syfe you can invest in top Aussies stocks<\/a> like CBA, BHP, and FMG – starting from A$4.99 per trade. Download our ASX Playbook<\/a> now to make sure you\u2019re prepared for Australia\u2019s upcoming corporate earnings season.<\/p>\n\n\n\n

CBA reported A$5.2 billion in interim profits as the bank continues to dominate home lending<\/strong><\/h1>\n\n\n\n

CBA posted runaway results during February 2023 earnings season – reporting double digit growth across its earnings and the bank\u2019s all-important dividend.<\/p>\n\n\n\n

Earnings rise, rates rise<\/strong><\/h2>\n\n\n\n

As part of CBA\u2019s interim 2023 results, the bank reported strong profit growth: statutory profits were up 10% year on year to A$5,216 million, translating to earnings per share of A$3.04. Bolstered by rising interest rates, CBA\u2019s net interest margin rose 23 basis points, on a half on half basis, to 2.10%. Earnings growth in the period was driven by an increase in the bank\u2019s net interest income, which rose 19% half on half to A$11,637 million – as the bank benefitted from a higher interest rate environment and saw volume growth across its suite of products, including home loans and business loans.<\/p>\n\n\n\n

What to watch for:<\/strong><\/p>\n\n\n\n

Given its impact on bank earnings, investors should pay attention to the official RBA cash rate – which at March 2023 – stood at 3.60%. The RBA kicked off a dramatic rate hike cycle in 2022 in response to rising inflation.<\/p>\n\n\n\n

Interim dividend +20%<\/strong><\/h2>\n\n\n\n

CBA maintained a shareholder friendly view with regards to its dividend, declaring a fully franked interim dividend of A$2.10 per share as part of its half year results. That represents a 35 cent or 20% increase year on year from the last interim dividend paid and is equal to a 69% payout ratio.<\/p>\n\n\n\n

Why it matters:<\/strong><\/p>\n\n\n\n

For income focused investors, CBA\u2019s commitment and consistency to its dividends will continue to be an attractive and potentially important factor in retaining and expanding its shareholder base.<\/p>\n\n\n\n

Home lending leader<\/strong><\/h2>\n\n\n\n

CBA continued to demonstrate its position as Australia\u2019s leading bank – particularly in regards to its home lending business. The bank controls 25% of Australia\u2019s entire home lending market – with its nearest rival controlling 20%, and the remaining two controlling 14% and 13%, respectively.<\/p>\n\n\n\n

What to watch for:<\/strong><\/p>\n\n\n\n

Investors should continue to monitor CBA\u2019s home lending market share given the backdrop of an increasingly competitive home loan market, with 60% of Australian borrowers, according to Mozo research, considering neo-lenders over the traditional big four banks. This market leadership further came through in CBA\u2019s top line results, with the bank’s operating income climbing 12% year on year to A$13,593 million.<\/p>\n\n\n\n

Why it matters:<\/strong><\/p>\n\n\n\n

CBA\u2019s scale might give the bank flexibility to provide its services at lower cost – either allow it to further entrench existing customer relationships or attract new customers.<\/p>\n\n\n\n

Best-in-class efficiency<\/strong><\/h2>\n\n\n\n

Beyond its dominant home lending market share, CBA reported a 80 basis point bump (half on half) in its return on equity (ROE) – taking first half 2023 ROE to 14.1%. As with its lending market share dominance, CBA continues to outperform its banking peers in terms of ROE – with its closest rival\u2019s ROE coming in at 12.1%, and the remaining two banks having ROEs of 10.8% and 6.3%, respectively.<\/p>\n\n\n\n

Why it matters:<\/strong><\/p>\n\n\n\n

ROE provides investors insights into the profitability and the efficiency at which a company is able to generate those profits. In this sense it can also be used as a quantitative gauge into the execution ability of a company\u2019s management team. CBA\u2019s market leading ROE might also explain why the company continues to trade at premium – in terms of its PE ratio – to its big four peers.<\/p>\n\n\n\n

CBA outlook: key points<\/strong><\/h2>\n\n\n\n

Speaking to the broad market outlook, CBA CEO – Matt Comywn – said:<\/p>\n\n\n\n

\u201cThe Bank remains well provisioned and capitalised to continue to support Australian households and businesses. We are investing in our business to reinforce our customer propositions, extend our digital leadership and keep our customers safe from increasing frauds and scams.\u201d<\/p>\n\n\n\n

What to watch for:<\/strong><\/p>\n\n\n\n

On the dividend front, the bank noted that it \u2018will continue to target a full year payout ratio of 70-80% of cash NPAT and an interim payout ratio of ~70% of cash NPAT.\u2019 Income focused investors should watch out for any changing commentary around CBA\u2019s dividend and in particular Board commentary in regards to the dividend target payout ratio.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n
<\/div>\n\n\n\n

Investing involves risk, including the risk of losing your invested amount. Any information that may be in this communication is general in nature only and is current at the time of writing. Syfe does not make recommendations of any kind or provide personal advice that take into account your objectives, financial situations or needs. You should therefore consider the appropriateness of the information in light of your own objectives, financial situation or needs before acting on such information, and\/or speak to your financial or tax adviser for personal advice. Past performance figures are based on information provided by third parties and may not be accurate. Any references to past performance and future indications are not, and should not be taken as, a reliable indicator of future results. Syfe does not intend for any statement made here to relate to the acquisition or disposal of any shares in the companies or other financial products named here. Syfe makes no representation and assumes no liability as to the accuracy or completeness of the content of this communication.<\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"

Before the Commonwealth Bank of Australia (CBA) reports their latest set of results during Australia\u2019s upcoming earnings season, take a look back at our analysis and summary of the company\u2019s recent operating results.  The piece below was originally published in our ASX 2023 Playbook: What\u2019s your next move – during the start of 2023.  With […]<\/p>\n","protected":false},"author":22,"featured_media":2657,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[218],"tags":[221,244,242],"class_list":{"0":"post-2654","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investment_ideas","8":"tag-asx","9":"tag-cba","10":"tag-earnings"},"acf":[],"yoast_head":"\nCommonwealth Bank of Australia: The Story So Far in 2023 - Syfe Australia<\/title>\n<meta name=\"description\" content=\"Before the 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