CommBank Business and Institutional

At our recent CommBank Accelerate Perth and Brisbane events, we explored how safety, trust and innovation are shaping the future of transaction banking. Across eight innovation hubs, we showcased the digital capabilities transforming how businesses transact, manage liquidity and drive growth. Our keys takeaways from the sessions can be viewed here https://lnkd.in/gFDDwBUM, with key themes including: • As real-time payments become the global standard, value-added innovations are emerging. This includes Payments-as-a-Service (PaaS) models that use APIs to connect businesses with tailored payments capabilities. • Australians are increasingly doing business on the go, and with the launch of CommBank’s latest CommBiz Mobile app, businesses now have access to a more seamless and secure platform that places business operations at their fingertips. • Artificial Intelligence is breaking down technical barriers and empowering decision-makers at every level. It is reshaping how businesses make strategic decisions and interact with customers. #CommBankAccelerate #FutureofPayments

Aussie household spending rose 0.6% in September, marking 12 straight months of growth according to the latest CommBank Household Spending Insights. Digital habits are driving the rise - online gaming is up 38% year-on-year, streaming up 31%, and tech upgrades are booming. Utilities spending also climbed during the month as rebates roll off. “Momentum in household spending has been building since early 2025,” said Head of Australian Economics Belinda Allen. “Lower interest rates, moderating inflation and tax cuts last year have created a more favourable environment for consumers.” Read more on this month’s report in the comments. Ashwin Clarke Harry Ottley Lucinda Jerogin

As we approach 2026, the Australian economy stands at a pivotal moment. In the latest edition of The CommBank View, our team of economists explore the shifting forces shaping our domestic outlook and global position. ➡️ In Australia, we’re seeing a rebound in private sector activity, rising consumer confidence, and strengthening house prices. Yet, inflation risks, slowing jobs growth, and cautious household spending signal a finely balanced path ahead. ➡️ Globally, the outlook has generally improved, but risks remain-from US-China relations to fiscal discipline across major economies. ➡️ Our economists forecast: - Australian GDP growth rising to 2.2% by end-2026 - A final RBA rate cut early next year - Gold outperforming as a safe-haven asset - AUD strength in the near term, with volatility ahead See comments to read the team’s analysis. Luke Yeaman Belinda Allen Joseph Capurso Vivek Dhar Adam Donaldson

“Australia must recognise the untapped potential of women entrepreneurs and women-led businesses,” says Angela Priestley, Co-Founder of Women's Agenda.   “There are incredible opportunities to support these women with procurement, funding and a more robust care infrastructure. Without this shift, we risk more burnout. Imagine women-led businesses moving from surviving to thriving.”   The 2025 Women’s Agenda Report highlights some exciting progress for Australian women in business, but also the barriers still holding many back: ⚠️ Burnout 💰 Less funding 🤝 Slower client pipelines   It’s not all bad news. From greater representation to stronger networks, there are clear wins in the data. And, as Priestley notes, with the right policies, partnerships and investments, women-led organisations can really begin to scale.   Explore the report findings, linked in the comments below.   #CommBankBrighterPerspectives #Leadership #CBAWomenInFocus

“It will take time for businesses to adjust to the tariff decisions already made. US importers will review where they source goods to find which economies are now the lowest-cost producers. [But] We expect the Australian dollar to increase over time as the global economy recovers from the tariff shock,” says Joseph Capurso, Head of International and Sustainable Economics at CommBank. Global trade tensions, rising tariffs and currency shifts are shaping the outlook for FY26. But amid the uncertainty, CommBank economists remain cautiously optimistic about Australia’s resilience. From FX market changes to easing inflation, we explore the key forces shaping the year ahead. Read about the key takeaways from CommBank’s FY26 Outlook. Linked in the comments

For many years, businesses have relied on the Bulk Electronic Clearing System (BECS), also known as Direct Entry, for essential payments like payroll, supplier transfers, and direct debits. With BECS being phased out by 2030, this shift presents a powerful opportunity to modernise how payments are made. In our upcoming webinar, Ethan T., Alison Chang, and Hannah Jones from CBA will be joined by leading businesses, including TAFE Queensland and Val Morgan. Together, they’ll walk through how organisations can transition from BECS to the New Payments Platform (NPP). In this session, you’ll hear from early adopters of the NPP. Whether you're ready to move quickly or prefer to take more time, this session will highlight key considerations to help guide your transition. Reach out to your relationship manager, or register for the webinar here: https://lnkd.in/gRPMmTS4 #Payments #NPP #DigitalTransformation #BusinessBanking #CBA #FutureReady Paul Burgess Shane O'Dowd Régis Petit Daniel Murphy Susan Yang Lynn Hamblet Chandan Sanghani Barry Parker Robert Djurovitch Belinda Brigham Sam Bowen Kerryn Saward Scott Johnstone Sharon Ververis William N. Ewan Hutchison Samantha Merton

As a proud participant in Sibos 2025 in Frankfurt, CBA was thrilled to join the global conversation on the future of finance, payments and innovation.   This year’s conference brought together industry leaders, partners and clients from around the world. Our team was energised by the opportunity to connect, collaborate and showcase our commitment to shaping the future of banking.   Across the week, CBA featured in a number of sessions and activations, including Susan Yang’s panel session, Mastering Data Quality and Sophie Gilder’s panel session on Stablecoins vs CBDCs. We also hosted client briefings, shared insights on digital transformation, and engaged in meaningful dialogue around CBA’s ISO20022 journey, data and the evolving payments landscape.   Thanks to all who connected with us at the conference. #Sibos2025 #CBAatSibos #GlobalPayments #Innovation #BankingLeadership Ethan T. Susan Yang

The 15th CBA Global Markets Conference will take place from 27 – 31 October 2025, in partnership with the Queensland Treasury Corporation. Following a record-breaking 2024 event, which welcomed over 370 issuer and investor clients from around the world, this year’s conference will once again bring together domestic and international delegates to support the acceleration of Australia’s ambitions. This year, keynote speaker Marko Papic, Macro-Geopolitical Chief Strategist at BCA Research, will open the conference with insights on navigating global volatility and the geopolitical forces shaping business. Attendees will also hear from a diverse line-up of industry leaders across 24 sessions, covering topics ranging from investment opportunities to cutting-edge technology advancements. If you’re interested in attending, please contact your CBA Sales Representative directly for more information. Chris Mclachlan Hamish Kelly Anthony Kritikides Hope Tsasi Desmond Fennell Adam Donaldson Matthew Zibert Penny Schubach Rosalie Valladares

The RBA kept the cash rate on hold at 3.60% in September, as widely anticipated by economists and markets. This decision reflects stronger activity data and some upside surprises in monthly inflation, as the RBA’s statement took a more hawkish tone than anticipated. CBA economists now expect the next rate cut to be pushed back to February 2026. To read the team’s analysis of the RBA cash rate decision and path ahead, see link in comments: Luke Yeaman Belinda Allen Trent Saunders Harry Ottley

Scentre Group (Owner of Westfield destinations in Aus and NZ) continues to lead the way in customer experience, attracting more than half a billion customer visits each year to its 42 Westfield destinations across Australia and New Zealand. To support its long-term strategy, Scentre has issued a A$1 billion 10-year fixed-rate AMTN, extending its debt maturity profile and reinforcing its funding diversity. CBA was proud to support this transaction as Joint Lead Manager, helping Scentre as it continues to build out its funding profile in its home market. “This deal reflects the strength of Scentre Group’s credit profile and the depth of investor demand for high-quality issuers in the Australian market,” said Hope Tsasi, Co-Head Capital Markets & Syndicate, CBA. Tom Rankine Penny Schubach