Commonwealth Bank of Australia (CBA)

25 June 2023

🧠 Business Model (Expanded) CBA is the leader in Australia’s banking sector and continues to set the bar for digital innovation. • Retail and business banking • Investments and wealth management • Digital-first banking

💰 Financials (FY22–23) • Net Profit: AUD $10.2B • CET1 Capital Ratio: ~12% • ROE: ~14%

🧩 Strategy (Expanded) • Focused on mobile banking and digital adoption • SME support with tailored financial products • Investments in fintech partnerships

🧠 Founder POV Legacy doesn’t mean slow. CBA proves that digital can go big in banking.

⚖️ Takeaway Legacy can lead, if it innovates.

📎 Disclaimer: Not investment advice.