COMMONWEALTH BANK OF AUSTRALIA

CBA is Australias leading provider of integrated financial services, including retail, premium, business and institutional banking, funds management, superannuation, insurance, investment and share-broking products and services.

BUSINESS SEGMENTS/SERVICES AND CUSTOMER SEGMENTS

The Commonwealth Bank has five customer-facing business divisions, designed to align product development and service delivery more fully with customer segments. The businesses are:

1.

RETAIL BANKING SERVICES (SMALL BUSINESS CUSTOMERS)

Retail Banking Services segment provides a range of banking services for its personal and small business customers. Products include home loans, consumer finance and retail deposits.

2.

BUSINESS AND PRIVATE BANKING (SMES)

Business and Private Banking provides personalised banking services and investment services through Commsec to high net worth individuals; provides banking services to relationship managed business and Agribusiness customers. It services personal and institutional online trading customers, and provides service, advice and opportunities to premium personal customers through Commonwealth Private.

3.

INSTITUTIONAL BANKING AND MARKETS (INSTITUTIONAL CLIENTS)

Institutional Banking and Markets provides equity, debt and banking services, including payment systems, to major corporations, institutional and government clients. This segment also operates in the wholesale banking markets in London, Malta, New York, New Zealand, Singapore, Hong Kong, Japan and Shanghai.

4.

WEALTH MANAGEMENT

Wealth Management : this segment comprises global asset management in the Asian region and domestic insurance businesses in Australia, and also includes the business of Colonial First State Global Asset Management, Colonial First State and CommInsure.

5.

INTERNATIONAL FINANCIAL SERVICES (ASIAN RETAIL & SME BANKING)

International Financial Services Asia (IFS Asia) incorporates the Asian retail and SME banking operations (Indonesia, China, Vietnam and India), investments in Chinese and Vietnamese retail banks, the joint venture Chinese life insurance business and the life insurance operations in Indonesia. It does not include the Business and Private Banking, Institutional Banking and Markets and Colonial First State Global Asset Management businesses in Asia.

SCALE
We have established businesses in Australia, New Zealand, Europe and the Asia-Pacific region. We have Australias largest banking customer base. We are one of Australia's leading home loan providers with over a million home loan customers. Our brands include Colonial First State, CommInsure, ASB (New Zealand), Sovereign, FirstChoice, CommSec, and Bankwest. We are one of the largest life insurers in Australia, with over $2,100 million in-force annual premiums (as at 30 June 2013).

OTHER DIVISION/OFFERINGS 1) LOAN MARKETS AND SYNDICATION, EUROPE

Clients include corporates, structured / project finance investors and owners, funds, banks, nonbank financial institutions (NBFIs) and other wholesale market participants and intermediaries. Offer demonstrated structuring and underwriting capability for syndicated loans and placement / trading capability within the primary and secondary markets. Their specialist team covers the following key sectors: 1. 2. 3. 4. 5. 6. 7. Transport Infrastructure Energy and Power Utilities Oil & Gas Mining Non-Bank Financial Institutions Diversifieds

2) STRUCTURED ASSET FINANCE SOLUTIONS

Structured Asset Finance (SAF) is the leading Lessor in Australia and the only Australian Bank capable of funding and underwriting asset risk across a diverse range of asset classes. SAF has a lease book comprised of over AUD 5.0 billion of leasing receivables. They have a team of asset finance specialists covering Europe and North America who have recently been active in financing a diverse range of assets and industries including:

Mining; Rolling Stock; Shipping; Aircraft; and Construction Assets

SAF has the practical experience and in-depth industry knowledge necessary to provide innovative and customised solutions tailored to meet a clients specific regulatory, legal, tax and accounting frameworks.

Solutions include:

Finance leases and operating leases Structured cross-border leases Leveraged leases Balance sheet and efficient financing arrangements for long-life assets Secured equipment loans and hire purchase arrangements

3) INFRASTRUCTURE UTILITIES SOLUTIONS

Deliver financing solutions for infrastructure and utilities projects. 20 years of experience with patronage risk assets within the transport sector and CBA was the first financier to distribute subordinated debt to toll-road and airport infrastructure projects. A large team of infrastructure and utilities project specialists in Europe has funded and committed over 1,000 million in assets. Provide the following services to clients: 1. Lending to essential infrastructure projects 2. Investing in United Kingdom Public-Private Partnerships (PPPs) and Private Finance Initiatives(PFIs) 3. Sourcing investment opportunities for the bank and its institutional clients in mature infrastructure assets Specialize across a range of sectors: 1. 2. 3. 4. 5. Transport Infrastructure Public-Private Partnerships and Private Finance Initiatives Power Generation Transmission and Distribution Water, electricity and gas utilities

INSTITUTIONAL AND CORPORATE BANKING

They provide a range of financial management services to institutional and large corporate clients. Lending Solutions Working Capital Services in Australia and New Zealand Equities Research and Execution Foreign Exchange Solutions and Execution Commodities Hedging Debt and Derivatives Solutions and Execution Money Markets Trading

TRULY MOBILE BANK

Commonwealth Bank of Australias (CBA) mission is to be the first truly mobile bank.

In 2010, CBA launched the CommBank Property Guide, a mobile app for customers who want to buy a home. Thanks to partnerships within the real estate industry, the bank is able to provide information about houses, prices, area attractiveness and then simulate tailored mortgage scenarios. This end to-end approach has propelled the CBA apps success and raised the possibility of extending its uses to other sectors, such as autos. Another step CBA took to establish its role in the mobile ecosystem is related to P2P payments and is based on the launch of its Kaching initiative, where customers can pay through Facebook, email or a mobile number: in less than two months the app has been downloaded by 110,000 customers.
MARKET SHARE

PRODUCT DETAILS CREDIT CARDS

Low Rate Low Fee Awards Small Business

HOME LOANS
Flexible home loans o No Fee, Variable Rate o Fixed Rate

o o

Wealth Package Viridian Line of Credit: By combining your Home Loan, daily spending and savings, the Viridian Line of Credit enables you to manage your financial affairs Reverse Mortgage (Equity Unlock Loan for Seniors i.e. above 65 years)

Buying a home Loans for investing in property Specialized home loans for builders and renovators Refinancing home loan

PERSONAL LOANS
Fixed Rate Loan Variable Rate Loan Secured Car Loan Personal Overdrafts

BANK ACCOUNTS
Transaction accounts Savings accounts o NetBank Saver (Existing customers) A high-interest online savings account that links to your CommBank transaction account and provides instant access to your money whenever you need it o GoalSaver Available for new and existing customers, the GoalSaver rewards regular savers with a great variable rate and no monthly account fees. Term Deposits

STUDENTS
Student Credit Card Personal Loans Overdraft Facility Travel Money Card Youth Saver Account CommBank JobStart Banking Package

INSURANCE
Home Insurance o Residential Home Package If you rent or own your property, we have the insurance solution to cover your building and contents.

Investment Home Package Provides cover for your building and contents, and offers specific cover you might need as a landlord or property investor.

Life Insurance o Term Life Protection This life insurance product can help provide security to your family should you be diagnosed with a terminal illness, or die. Life Care Provides your beneficiaries with a lump sum payment in the event of your death or diagnosis of a terminal illness, with fewer than 12 months to live

Car Insurance Loan and Credit Card Protection o Loan Protection Loan Protection can help pay off your loan should the unforeseen happen to you. CreditCard Plus Insurance for your credit card that can help pay your credit card bill in the event of unforeseen circumstances, including involuntary unemployment, and temporary disablement due to illness or injury

Income Protection o Our income protection policies can replace up to 75 per cent of your regular income if youre unable to work due to illness or injury

TRAVEL
Travel Money Card Foreign cash Travel loan Travel insurance Travellers cheques