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# 9% rise in loan impairment charges not hurting CBA financially
- URL: https://www.benchmarkanalytics.com.au/9-rise-in-loan-impairment-charges-not-hurting-cba-financially/
- Published: 2026-08-12T01:08:45.000Z
- Updated: 2026-08-12T01:08:45.000Z
- Author: Nick Hossack
- Tags: Bank Profits, #banking

CBA's full-year results reveal an incredibly strong underlying banking franchise, with cash net profit after tax (NPAT) rising 7% to nearly $11 billion, despite operating costs increasing 6% and loan impairment expenses rising 9%.

The return on equity (ROE) of 14% demonstrates CBA's strength relative to the other major banks. On Monday, Westpac's quarterly financial update reported an ROE of 10%.

The key numbers from CBA's full-year results are below, along with a brief interpretation.

| FY26 Results Snapshot   |           |        |                                        |
| ----------------------- | --------- | ------ | -------------------------------------- |
| Indicator               | FY26      | Change | Interpretation                         |
| Cash NPAT               | $10.982bn | +7%    | Very strong                            |
| Statutory NPAT          | $10.866bn | +7%    | Very strong                            |
| Pre-provision profit    | $16.469bn | +6%    | Core earnings strong                   |
| NIM                     | 2.05%     | \-3bp  | Remarkably resilient given competition |
| ROE                     | 14.0%     | +50bp  | Excellent                              |
| Dividend                | $5.05     | +4%    | Strong income result                   |
| Operating expenses      | $13.755bn | +6%    | Main earnings pressure                 |
| Loan impairment expense | $788m     | +9%    | Rising, but still low                  |
| Deposit funding         | 79%       | +1ppt  | Funding strength                       |
| CET1                    | 12.0%     | \-30bp | Still comfortably capitalised          |