2022 Sustainability
Reporting Appendix
This appendix contains our disclosures aligned to:· Principles for Responsible Banking Reporting (PRB)
and Self‑Assessment Template· Global Reporting Initiative (GRI) Standards Index· Sustainability Accounting Standards Board (SASB) Index
Further information about our commitment to sustainability is in included
in our 2022 Annual Report, Climate Report and our Sustainability
Performance metrics. These can be found on our website atcommbank.com.au/sustainabilityreporting1

UN Principles for Responsible Banking (PRB) Reporting and Self-Assessment Template
Principles for Responsible Banking
We are a signatory to the UN Environment Programme Finance Initiative's Principles for Responsible Banking (UN PRB) and we are working to align our business practices to these principles.
This is our second UN PRB self-assessment report to demonstrate our progress against all six principles.
Requirements
High-level summary of bank’s response
Reference and Link
Principle 1: Alignment
We will align our business strategy to be consistent with and contribute to individuals’ needs and society’s goals, as expressed in the Sustainable Development Goals, the Paris
Climate Agreement and relevant national and regional frameworks.
1.1 Describe (high-level) your bank's
Annual Report 2022:
Commonwealth Bank of Australia is one of the leading banks in Australia. We serve more than 16 million
business model, including the main
Directors’ Report – page 80
customers with a focus on providing retail and commercial banking services predominantly in Australia, and incustomer segments served, types of
New Zealand through our subsidiary ASB Bank Limited. Our products and services are provided through our
products and services provided, the
CBA website: About Us
divisions, Retail Banking Services, Business Banking, Institutional Banking and Markets, and ASB New Zealand.
main sectors and types of activities,
Key statistics about our business:
FY22 Results Presentation:
and where relevant the technologies•
We are Australia’s leading bank for savings with over 25% of all resident deposits.
How we contribute to Australia- page 39
financed across the main geographies•
We are Australia’s largest home lender, with $170 billion in new lending in FY22.
in which your bank has operations or•
We are helping Australia’s businesses with $33 billion in new business lending in FY22.
Climate Report 2022:
provides products and services.
Our commitment to limit global warming –•We employ 53,000 people; 90% of full-time employees are in Australia and New Zealand.
page 6•
We have 807 branches.
1.2 Describe how your bank has
Annual Report 2022:
Last year we refreshed our strategy and set a more ambitious agenda, to build tomorrow’s bank today for ouraligned and/or is planning to align its
Chairman’s message- pages 4-5
customers. This year we renewed our purpose, building a brighter future for all, to reflect the role we see
strategy to be consistent with and
Who we are- pages 8-9
ourselves playing for our customers and communities and the impact we can make in people’s lives. Ourcontribute to society's goals, as
Our strategic priorities – pages 10-11
purpose reflects our ambition and it inspires and connects us to the Bank’s reason for being. Our purpose is also
expressed in the Sustainable
Our commitment to sustainability- pages
more inclusive, grounded in our heritage as a bank for all.
Development Goals (SDGs), the Paris
20-21
Climate Agreement, and relevant
national and regional frameworks.

As part of the Bank’s strategic priorities, we committed to helping Australia’s economy become more modern,resilient and sustainable. We continue to embed environmental and social matters into our strategy by focusing
on sustainable practices, policies and outcomes.
Our initiatives include helping Australia’s transition to a more sustainable economy (SDG 7, 9, 11, 13, 17),
support for our customers and communities (SDG 1, 5, 10) and support for small businesses (SDG 8). In
addition, we continue our focus on creating an inclusive workplace anchored in our values of care, courage andcommitment. Equality and respect are integral to how we live our values, meet the needs of our customers anddeliver our strategy (SDG 5, 10).
We are committed to transparent reporting. We continue to evolve our approach in line with global bestpractice and feedback from our stakeholders (see principle 6).
Aligned to society’s goals:
We are signatories to international programs of action including UN PRB, Net Zero-Banking Alliance, andEquator Principles. We are members of international programs of action including RE100 and the Taskforce on
Nature-related Financial Disclosures (TNFD) Forum.

Our approach to ESG – pages 22-23
Climate Report 2022:
Foreword from the Chairman and CEOpages 2-3
Financed emissions – pages 42-43
CBA website: Commitment to inclusion anddiversity

2
Requirements

High-level summary of bank’s response

Reference and Link

Transparently reporting progress:
We report our progress in line with legislation, frameworks and certifications including: the Global Reporting
Initiative (GRI), Task Force on Climate-related Financial Disclosures (TCFD), Sustainability AccountingStandards Board (SASB), CDP, Reconciliation Australia, Climate Active, Toitū Envirocare carbonzero andModern Slavery Act 2018.
We calculate our reported metrics aligned with the Partnership for Carbon Accounting Financials (PCAF)
Standard.
Requirements
High-level summary of bank’s response
Reference and Link
Principle 2: Impact and target setting
We continuously increase our positive impacts while reducing the negative impacts on, and managing the risks to, people and environment resulting from our activities, products andservices. To this end, we aim to set and publish targets where we can have the most significant impacts.
2.1 Impact Analysis:
Annual Report 2022:
Scope and scale of exposure: We focus on providing retail and commercial banking services predominantly in
Our approach to ESG – pages 22-23
Australia, and in New Zealand through our subsidiary ASB.
Show that your bank has identified theareas in which it has its mostsignificant (potential) positive andnegative impact through an impact
analysis that fulfills the following
elements:a) Scope: The bank’s core businessareas, products/services across themain geographies that the bankoperates in have been as describedunder 1.1. have been considered in thescope of the analysis.
b) Scale of Exposure: In identifying its
areas of most significant impact thebank has considered where its corebusiness/its major activities lie interms of industries, technologies andgeographies.
c) Context & Relevance: Your bank hastaken into account the most relevant
challenges and priorities related tosustainable development in the
countries/regions in which it operates.
d) Scale and intensity/salience of
impact: In identifying its areas of mostsignificant impact, the bank has
considered the scale andintensity/salience of the (potential)social, economic and environmental
impacts resulting from the bank’sContext and relevance: During the year we engaged with both internal and external subject matter experts
and stakeholders on ESG issues. Through this process we heard about themes that mattered to them and wereviewed as material matters for the Bank.
•
Climate change – climate change continues to be front of mind for many of our stakeholders.
•Engaged and supported workforce – our future success requires having an engaged, capable andaccountable workforce.
•
Inclusive and accessible banking – we play an important role in promoting financial inclusion throughoffering inclusive and accessible banking products and services.
•
Providing support in times of need – we are committed to providing financial assistance andsupporting Australia through challenging times.
•
Governance, culture and accountability – good governance is essential to delivering on our strategic
and sustainability goals.
We will continue to research the material topics most salient for our social impact work.
Scale and intensity/salience of impact:
Our two areas of focus seek to make positive impacts in line with our purpose of building a brighter future forall, and are aligned with nine SDGs:
1. Climate change (aligned with SDG 7, 9, 11, 13 & 17)
2. Social and human rights (aligned with SDG 1, 5, 8, 10 & 17)
Our first area of impact is Climate change.
Our targets and commitments for managing climate change risk are disclosed annually in our Climate Report,
which is aligned with the 11 recommendations of the TCFD framework.

Social – pages 26-37
Governance – page 41
Sustainability performance- social – pages
44-45
Board performance, composition andrenewal – page 71
Directors’ report- page 80

Climate Report 2022:
Our role supporting Australia’s transition to
net zero emissions – pages 6-7
Governance –pages 10-16

Accessibility and Inclusion Plan 2021-2023
A word from the Deputy CEO – pages 2-3
How many Australians can we support –page 5
Our Actions – pages 29-39

3Requirements
activities and provision of products andservices.
(your bank should have engaged with
relevant stakeholders to help informyour analysis under elements c) and d))High-level summary of bank’s response
This year we have undertaken further impact assessment by estimating our financed emissions, aligned with
the PCAF Standard. While only 1% of our lending is to energy sectors, those sectors account for an estimated
27% of our 2020 financed emissions. As part of our strategy to support the transition to net zero emissions,our first steps focus on setting sector-level targets for our financed emissions in these sectors.

Show that building on this analysis, thebank has• Identified and disclosed its areas of
most significant (potential) positive
and negative impact• Identified strategic business
opportunities in relation to theincrease of positive impacts /reduction of negative impacts

Our second area of impact centres on Social and human rights. This includes improving conditions for groups
that we impact through:•promoting financial inclusion and wellbeing for our customers, anchored around providing support tocustomers in vulnerable circumstances;•promoting inclusion and diversity in our workforce;•
improving inclusive and accessible banking for our customers
Extending national figures on financially vulnerable groups to our retail customer base of 11 million (over a thirdof Australia/New Zealand’s combined population), we have the opportunity to have a significant impact onthese issues at the national scale.
•

COVID-19 – 41% of all working Australians experienced a negative employment outcome as a resultof the pandemic. As at 31 December 2021, during the pandemic, we concluded 250,000 loan
repayment deferrals, received >7 million visits to our COVID support webpage, and provided ~$470
million in loan deferrals

Reference and Link

4
Requirements

High-level summary of bank’s response•
Natural disasters – Natural disasters cost Australia’s economy $38 billion per year on average. During
the most recent flooding this year, we contacted more than 2.7 million personal and businesscustomers directly through virtual means with offers of help. Through our CanGive initiative, we raisedover $2.8 million to fund 17 organisations’ recovery efforts after the floods.
•
Fraud – Scams cost Australians more than $2 billion in 2021. In total, we believe we prevented or
recovered more than $100 million in scams targeted at our customers in 2021.
•
Family and domestic violence – Approximately 1 in 4 women and 1 in 13 men experience violence byan intimate partner. Over 623,100 women and men were subjected to financial abuse in Australia in
2020. That’s nearly 1 in 30 women.
We set goals to support our commitment to advance gender and cultural representation across leadership roles,
and to achieve Indigenous employment parity. While we have made good progress, there is still more work to
do.
•
The percentage of women in our workforce remains over 55%, with 43.1% in Executive Manager andabove roles.
•
45% of the Board are female and 55% are male.
•
0.9% of our workforce identify as having Indigenous ancestry, and our spend with First Nations
suppliers increased year-on-year since 2019 to more than $7 million in 2022.
As Australia’s largest bank, we have a diverse customer base, and we work collaboratively with suppliers tomanage environmental and social risks, and to proactively identify opportunities to do business with diverse andunderserved communities. We want to create products and services for all our customers – from people withdisability and those who are older, to those in remote areas and multicultural communities.
Our Accessibility and Inclusion Plan 2021-2023 was finalised in December 2020, and outlines ourcommitment to improving accessibility and inclusion for people with disability, people who live in remote areas,
older people and people with limited English. Our plan considered:•
Nearly 1 in 5 Australians have a disability. We reach more than 4 million Australians who have adisability, or around 18% of the population.
•
We serve 7 million people – about 29% of the Australian population – who live in rural and remoteareas.
•We reach approximately 34% of Australians aged 50 years and older (about 2.7 million people) who
have either low digital literacy levels or do not use digital devices or the internet.

Please provide your bank’s conclusion/statement if it has fulfilled the requirements regarding Impact Analysis
We have made progress towards alignment with this principle but anticipate further work is required.

Reference and Link

5
Requirements
2.2 Target Setting
Show that the bank has set andpublished a minimum of two Specific,
Measurable (can be qualitative or
quantitative), Achievable, Relevant andTime-bound (SMART) targets, which
address at least two of the identified“areas of most significant impact”,
resulting from the bank’s activities andprovision of products and services.
Show that these targets are linked toand drive alignment with and greater
contribution to appropriate
Sustainable Development Goals, thegoals of the Paris Agreement, andother relevant international, national orregional frameworks. The bank shouldhave identified a baseline (assessedagainst a particular year) and have set
targets against this baseline.
Show that the bank has analysed andacknowledged significant (potential)
negative impacts of the set targets onother dimensions of the SDG/climatechange/society’s goals and that it has
set out relevant actions to mitigate
those as far as feasible to maximize
the net positive impact of the set
targets.

High-level summary of bank’s response
We have made a number of commitments to address our areas of most significant impacts.
IMPACT AREA 1: CLIMATE CHANGE (SDG 7, 9, 11, 13)•
Sustainability Funding Target: $70 billion in cumulative sustainability funding* by 2030.
Aligning our portfolio to the Paris Agreement•
By 2025, we intend to have targets on sectors that account for more than 75% of our 2020 financed
emissions.
•
For the emissions intensity of our power generation portfolio, this year, we have set an interim 2030 target:
105 kgCO2/MWh, a reduction of 53% compared to our 2020 baseline. This target is 33% lower than theequivalent 2030 figure in the global IEA NZE transition pathway.
•
This year, we have set a 2030 interim target for thermal coal mining, to reduce our financed emissions inthermal coal mining by 100% from our 2020 baseline of 1.2 MtCO2.
•
In upstream oil extraction, our target is a 27% reduction from our 2020 baseline of 2.6 MtCO2. This targetaligns with the global IEA NZE transition pathway for this sector.
•
In upstream gas extraction, our target is a 17% reduction from our 2020 baseline of 3.3 MtCO2. Thistarget aligns with the global IEA NZE transition pathway for this sector.
Reducing operational emissions•
To reduce our Scope 1 and Scope 2 operational emissions by 21% by 2025, and by 42% by 2030 from
our FY20 baseline of 18,224 tCO2-e.
•
To reduce our Upstream Scope 3 operational emissions (excluding financed emissions) by 12.5% by 2025,
and by 25% by 2030, from our FY20 baseline of 36,916 tCO2-e.
•
To source the equivalent of 100% of our global operations electricity from renewable energy by 2030, inline with our RE100 commitment.
•
To generate 2,000kW of on-site renewable energy by 2025.
•
To achieve carbon neutrality by offsetting residual emissions from our global operations in 2022.

Reference and Link

Climate Report 2022:
Performance summary – page 41
Sector targets – pages 44-47
Reducing our operational emissions – pages
50-51
Glossary of terms – pages 68- 70
Sustainability Funding Target – pages 7174
Annual Report 2021:
Climate strategy - page 25* For more details on sustainability funding, including definitions of each asset category, refer to our Climate Report 2022, p.
71-74.

IMPACT AREA 2: SOCIAL AND HUMAN RIGHTS (SDG 1, 5, 8, 10)
We have set a number of sub-targets in this impact area:
Financial inclusion and wellbeing•
By 2025, support over 10,000 people in Australia to become financially independent.
•
We committed to an Elevate Reconciliation Action Plan for 2020–2022, setting a number of ambitious
targets to embed reconciliation throughout the organisation and advance the rights of First Nations
peoples nationally:o Achieve 70% participation (of 37,137 Australian employees) in cultural learning across ourdomestic workforce by June 2022.
o 3% First Nations representation across the Bank by 2026.
o Increase our supply chain spend with Indigenous-owned businesses to 3 per cent of total annual
domestic contestable spend by FY24

Annual Report 2022:
Caring for our communities– pages 36-37
Board performance, composition andrenewal – page 71
Annual Report 2021:
Supporting our community – page 37
Reconciliation Action Plan 2020-2022
Commitments and actions – pages 15-22
Accessibility and Inclusion Plan 2021-2023
Our Actions- pages 29-39

6Requirements

High-level summary of bank’s response
Inclusion and diversity•
We have a goal of achieving 47-50% gender equality in Executive Manager and above roles by 2025, agoal that is gender inclusive to consider people who do not identify with a binary gender (male or female).
•
The Board has a gender diversity target of 40% female, 40% male and 20% of any gender that holds therelevant skills and experience•
We aim to maintain no less than 50% female employees in CBA’s workforce overall.
•
By December 2026, we aim to achieve 3% First Nations representation in our domestic workforce toreflect parity with the Australian population.

Reference and Link
CBA website: Commitment to inclusion anddiversity
CBA website: Accessibility

Inclusive and accessible banking•
Develop “How to guides” for online banking and other essential banking requirements in Easy English by
2022.
•
Run a series of workshops with people from specific multicultural backgrounds in the community’s firstforeign language on financial wellbeing by 2023.
•
Commission a photo shoot to support the CBA brand refresh, the new image library will contain images
that reflect our diverse customer base and communities by 2022•
Continue to review our branch design standards to proactively improve access for our staff and customers,
through 2022.
•
Develop and distribute financial literacy collateral and tools to support CBA customers with their financial
wellbeing, by end 2021.
•
Review the RecruitAbility scheme (guaranteed interview scheme) to identify process improvements, ordetermine alternate opportunities for improving experiences and outcomes for candidates with disability,
by end 2021.
Please provide your bank’s conclusion/statement if it has fulfilled the requirements regarding Target Setting.
Based on our materiality assessments and impact analysis we have developed a number of targets and commitments. Further impact analysis will assist in refining our targets.

7
Requirements
2.3 Plans for Target Implementationand Monitoring
Show that your bank has defined
actions and milestones to meet the set
targets.
Show that your bank has put in place
the means to measure and monitor
progress against the set targets.
Definitions of key performanceindicators, any changes in thesedefinitions, and any rebasing ofbaselines should be transparent.

High-level summary of bank’s response
We report our progress against our impact areas publicly:•
Climate change – 2022 Climate Report and 2022 Annual Report•
Financial inclusion and wellbeing – 2022 Annual Report•
Inclusion and diversity – 2022 Annual Report and on our website•
Inclusive and accessible banking – 2022 Annual Report and Accessibility and Inclusion Plan 2021-2023
Measuring and monitoring of targets – The Executive Leadership Team (ELT) Environmental and Social (E&S)
Committee and Business E&S Action Group were established last year, to oversee detailed implementation of
our E&S work program and provide robust governance of E&S risks and opportunities. The E&S work program isoverseen by the ELT E&S Committee and Business E&S Action Group on a monthly basis (see principle 5.3).
The Board also prioritised monitoring the Bank’s climate commitments and the progress of the E&S work
program against its strategic objectives.
We are developing an internal Commitments Register. When embedded, the Commitments Register will help us
clarify what we need to do to fulfil our E&S commitments and keep track of them. This will help us identify
interventions where necessary, which could include updates to our E&S Action Group and ELT E&S Committee
if deemed necessary. Our UN PRB reporting commitments are recorded in our draft Commitments Register.

Reference and Link
Climate Report 2022:
Our approach to governance – pages 10-12
Methodology – pages 53-57
Independent limited assurance report –pages 77-79
Annual Report 2022:
Independent assurance on sustainability
performance metrics – pages 48-49
Our approach to corporate governance –pages 66-70
Independent auditor’s report – 273-281
Accessibility and Inclusion Plan 2021-2023
CBA website: Commitment to inclusion anddiversity

Assurance – We recognise the importance of obtaining an independent review on selected sustainability
performance metrics. The metrics we have selected for independent review – limited assurance – are what we
consider to be important for evaluating and measuring the Bank’s performance on material sustainability issues.
The data in the Sustainability Performance Metrics on pages 42-47 in our Annual Report, except where
footnoted, are audited. In our Climate Report, the following is audited: Sustainability Funding Target balance as
at June 2020 and new and incremental financing from 1 July 2020 to 30 June 2022; for the four sector
targets, the 2020 baseline number as at 30 June 2020, and the June 2021 number as at 30 June 2021.
Baselines – The current baseline for our financed emissions is 30 June 2020 (FY20). We note that the choiceof FY20 as a baseline carries the limitation that it could be not be the best representation of a typical year due
to reduced economic activity from COVID-19. Despite this, we felt it most appropriate to use a baseline year
closest to the year our priority sector targets were set. We may update our baseline, for example due tochanges in calculation methodologies and improvements in data accuracy. Any update to baselines will beaccompanied by an explanation for the change.
Definitions of other baselines and key performance indicators are disclosed transparently in our annual reporting
suite. See our Climate Report 2022 “Metrics and targets” chapter and the “Appendix”.
Please provide your bank’s conclusion/statement if it has fulfilled the requirements regarding Plans for Target Implementation and Monitoring.
This has been fulfilled for Target 1, and we have progressed our implementation towards additional targets. We will continue to build our capacity for setting and tracking progress on ourtargets going forward.

8
Requirements
2.4 Progress on Implementing Targets
For each target separately:Show that your bank has implemented
the actions it had previously defined
to meet the set target.
Or explain why actions could not be
implemented / needed to be changed
and how your bank is adapting its plan
to meet its set target.
Report on your bank’s progress overthe last 12 months (up to 18 months
in your first reporting after becoming
a signatory) towards achieving each of
the set targets and the impact yourprogress resulted in. (where feasible
and appropriate, banks should include
quantitative disclosures)High-level summary of bank’s response
Key outcomes this year, as at June 30, 2022:
IMPACT AREA 1: CLIMATE CHANGE (SDG 7, 9, 11, 13)•
As of 30 June 2022, we have provided $30.6 billion in cumulative sustainability funding to ourcustomers.
Aligning our portfolio to the Paris Agreement•
In 2021, we shared we were developing four priority sector glidepaths to help us transparently trackalignment to the Paris Agreement at the sector level, and our intention to implement the glidepaths
internally. This year, we aligned our temperature ambition to 1.5°C. In line with this decision, we changed
the underlying reference scenario of our glidepaths to the IEA NZE, which is consistent with limiting
global warming to 1.5°C. We also implemented the glidepaths through internal reporting, analysis and by
establishing a quarterly monitoring process involving our ELT E&S Committee and Business E&S Action
Group. We are now announcing 2030 interim targets for the four priority sectors.
•
Between 30 June 2020 and 30 June 2021, we have reduced the emissions intensity of our power
generation portfolio by 16% or 35 kgCO2/MWh.
•
As at 30 June 2021, our thermal coal drawn lending exposure was $111 million, a reduction of $27
million from the prior year. This reduction has also driven a reduction in the absolute emissions of ourthermal coal mining portfolio from our 2020 baseline of 1.2 MtCO2 to 0.9 MtCO2.
•
As at 30 June 2021, the absolute emissions of our upstream oil extraction portfolio was 1.7 MtCO2, 34%
below the global IEA NZE transition pathway.
•
As at 30 June 2021, the absolute emissions of our upstream gas extraction portfolio was 2.3 MtCO2,
31% below the global IEA NZE transition pathway.

Reference and Link

Annual Report 2022:
Environmental – pages 24-25
Climate Report 2022:
Foreword from the Chairman and CEOpages 2-3
Financed emissions – pages 42-43
Metrics and targets – pages 40-49
Glossary – page 68
See the Glossary on page 68 of our 2022
Climate Report for our definition of a
‘1.5°C temperature ambition’

Reduced our operational emissions•
In the 2021 financial year, we expanded the domestic offsetting of residual emissions to include our
global operations and achieve carbon neutrality. All of the Bank’s operations globally have now beencertified as carbon neutral. Our Climate Active certification incorporates our operations in Australia,
Europe, North America and Asia. Our New Zealand subsidiary, ASB, is certified carbonzero through Toitū
Envirocare.
Contributed to national capabilities (SDG 17)• Together with CSIRO we are developing Australia-specific data and transition pathways for key sectorsof the Australian economy consistent with limiting global warming to 1.5°C. The research will help us set
interim sector targets for our financed emissions. Moreover, with the research outcomes being madepublic, the partnership could also help other organisations shape their own climate-related strategies andtargets.
IMPACT AREA 2: SOCIAL AND HUMAN RIGHTS (SDG 1, 5, 8, 10)
Financial inclusion and wellbeing•
Supported 954 participants through our Financial Independence Hub since inception.
•
Reconciliation Action Plan targets:•
More than 60% of our people have completed at least one form of cultural capability training. 62.3%
have completed Indigenous cultural development training.

Annual Report 2022:
Supporting our customers – pages 32-35
Caring for our communities – pages 36-37
Sustainability performance – pages 42-47

9Requirements

High-level summary of bank’s response•
We have exceeded last year’s external hire rate with 124 hires, however representation has only
increased to 0.9%. We also had 28 Indigenous university interns join our Summer Internship
Program. We remain committed to creating tailored employment pathways for First Nations peopleat CBA.
•
Spend with First Nations suppliers increased year-on-year since 2019 to more than $7 million in
2022.
Inclusion and diversity•
Women represented 43.1% of Executive Manager and above roles, compared to 41.7% as at 30
June 2021.
•
Women represented 45% of our Board membership, compared to 40% as at 30 June 2021.
•
Women represented 55.2% of our overall workforce, compared to 56.1% as at 30 June 2021.
•
0.9% of our workforce most strongly identified with Australian Aboriginal and/or Torres Strait
Islander ancestry, compared with 0.8% as at 30 June 2021.
Inclusive and accessible banking•
After extensive research to understand the obstacles our migrant communities face, including trust in
financial institutions, we developed a presentation covering the basics of banking in Australia that can betranslated into different language and reflect different cultures.
•
To support newly arrived refugees, we developed a Financial Literacy Toolkit in partnership with
Settlement Services International. The toolkit provides the skills and knowledge needed to become
financially independent, such as how to budget and pay bills. In response to the Afghan and Ukrainian
refugee crisis we have translated this guide into Dari, Farsi, Ukrainian and Russian.
•All new and fully refurbished branches are designed and built to meet the applicable Australians
Standards for accessibility, including the relevant requirements of the National Construction Code.
•We have built an internal advisory capability within CBA that has delivered a number of initiatives
including:o Launching Accessibility Central, a hub on the CBA intranet that includes a range of accessibility'how to' guides for staff, including information for designing accessible products and services tosupport customers and employees with a disability.
o Developed a suite of customer documents available on commbank.com.au including information
for interpreter services, Easy English guides and online banking how-to videos.
o Delivered a financial abuse awareness campaign through Aboriginal Health TV, reaching an
audience of over 700,000.
o Delivering a pilot of the Equal Access Toolkit in branch for customers with accessibility
requirements. The toolkit includes magnifying sheets, signature guides, pen grips, high contrast
clipboards and keyboards, and headphones for use at ATMs.

Please provide your bank’s conclusion/statement if it has fulfilled the requirements regarding Progress on Implementing Targets.
We have made solid progress on meeting our climate and social targets, and this will continue to be progressed particularly for financed emissions.

Reference and Link
Board performance, composition andrenewal – page 71

10Requirements
High-level summary of bank’s response
Reference and Link
Principle 3: Clients & customers
We will work responsibly with our clients and our customers to encourage sustainable practices and enable economic activities that create shared prosperity for current and future
generations.
3.1 Provide an overview of the policies
Code of Conduct
We have a range of policies and practices in place to promote responsible relationships with our customers,
and practices your bank has in place
suppliers and the community.
and/or is planning to put in place topromote responsible relationships with
its customers. This should include
high-level information on any
programmes and actions implemented(and/or planned), their scale and,
where possible, the results thereof.

CBA Environmental & Social Framework

Our Code of Conduct – Our Code of Conduct is the ultimate guide for how we do things at theCommonwealth Bank. The Code connects our purpose, values, expectations (with a ‘Should We?’ test) and the
key policies to help us deliver balanced and sustainable outcomes for all our stakeholders.

Group Inclusion and Diversity Policy

Environment & Social (E&S) Framework – Our E&S Framework provides a reference point for our people andstakeholders on the minimum standards we seek to abide by, the targets we seek to implement, and thegovernance and oversight in place to support our endeavours on environmental and social issues.

Accessibility and Inclusion Plan 2021-2023

Inclusion and Diversity Policy – This policy sets out our commitment to Inclusion and Diversity. A diverse
workforce and inclusive culture help us to fulfil our purpose.

CBA Modern Slavery Statement 2021

Supplier Code of Conduct – This policy is intended to share the Group’s principles and clearly communicate
the behaviour and business practices we expect our suppliers to adhere to – including throughout the Suppliers
own supply chains – in providing goods and services to the Group. These behaviours and practices include
meeting social and environmental standards as well as satisfying governance and compliance obligations.
Accessibility and Inclusion Plan - This plan outlines our commitment to improving accessibility and inclusion
for people with disability, people who live in remote areas, older people and people with limited English, and the
key improvements that have been made.
Reconciliation Action Plan - Commonwealth Bank’s second Elevate Reconciliation Action Plan (RAP) continues
our longstanding commitment to the financial wellbeing of Australia’s Aboriginal and Torres Strait Islander
peoples. It includes actions that are within the sphere of influence of our domestic businesses, CBA andBankwest, and seeks to further reconciliation in Australia.
Modern Slavery Statement - This Statement outlines the actions taken by the Group to identify and mitigate
modern slavery and human trafficking in our operations and supply chains, over the financial year ended 30
June 2021.
Customer and Community Advocacy team – This team represents the voice of the customer and community
within the Bank to enhance and protect customer outcomes. They do this by:•removing barriers to banking that stand in the way of financial inclusion;•
finding and fixing issues that could have a negative impact on customers, including by identifying andeliminating systemic issues/themes;•
providing a helping hand to customers in vulnerable circumstances and being an escalation point for
frontline staff;•
building a better bank by improving customer advocacy in decision-making; andSupplier Code of Conduct

CBA Reconciliation Action Plan 2020-2022

CBA Website: Corporate GovernanceCorporate Governance11
Requirements

3.2 Describe how your bank has
worked with and/or is planning to workwith its clients and customers toencourage sustainable practices andenable sustainable economic activities.
This should include information on
actions planned/implemented,
products and services developed, and,
where possible, the impacts achieved.

High-level summary of bank’s response•
restoring relationships between our people, customers and community, particularly through complaint
resolution.

Reference and Link

The Bank also engages with our customers through customer feedback, surveys and workshops, customer
representative bodies, complaint channels and external dispute resolution bodies.
Key areas we worked with customers to achieve our targets under 2.1 and encourage progress toward SDGs during the year:
IMPACT AREA 1: CLIMATE CHANGE
Climate Report 2022:
Engagement with our most carbon intensive customers – This year, we reviewed our 100 carbon intensive
Foreword from the Chairman and CEOcustomers, and through that process engaged with 82 to understand how they were assessing climate-related
pages 2-3
risks and opportunities as part of their climate transition planning. We explored our customers’ transition
Reimagining banking – page 22
readiness through interviews that focused on their climate-related governance, strategy, risk management andUsing scenarios to inform our strategy–
metrics and targets. We also asked customers specifically about their transition plans, and complemented thepage 26
effort with a quantitative analysis of a subset of these customers.
Support for retail, business and institutional customers with sustainability products – We offer our retailcustomers Green Loans to finance the installation of eligible renewables such as solar panels and batteries intheir homes, and a Green Home Offer which provides eligible home loan customers with access to a low
standard variable rate loan if their home meets certain sustainability and energy efficiency criteria.
We provide a range of product solutions that support our diverse business customers to enhance thesustainability of their businesses and manage the impacts of the transition. Many of our larger customers areseeking Sustainable Finance solutions that facilitate action on their transition strategies. This year we issued theBank’s first Sustainability-Linked Loan to the agriculture sector.
We have a growing Sustainable Finance business for our institutional customers. We support our customers
transition by providing and developing a broad suite of ESG products to support financing and incentivise ourcustomers in their transition activities.
Helping customers understand climate risk – To better understand the potential impacts of different climate
scenarios and improve our ability to support customers, we have partnered with Australia’s national scienceagency, the Commonwealth Scientific and Industrial Research Organisation (CSIRO). Together we aredeveloping Australia-specific transition pathways for key sectors of the Australian economy consistent withlimiting global warming to 1.5°C. The research will help us set interim sector targets for our financed emissions.
Moreover, with the research outcomes being made public, the partnership could also help other organisations
shape their own climate-related strategies and targets.
IMPACT AREA 2: SOCIAL AND HUMAN RIGHTS (SDG 1, 5, 8, 10)Support for vulnerable customers – This year the Board focused on the continued support for customers andthe economy through the challenges of transitioning to living with COVID-19 and extreme weather events. The
Bank is committed to providing relief measures for vulnerable customers and communities impacted by natural
disasters and situations such as COVID-19. We received over 7 million visits to our COVID support page, sent

Annual Report 2022:
Leadership in Australia’s recovery andtransition- pages 12-13
Supporting our customers – pages 32-35
Sustainability performance – Social – ourcommunities – page 47

12Requirements

High-level summary of bank’s response
1.8 million personalised reminders, supported 6 vaccination hubs across Australia, and concluded 250,000 loan
repayment deferrals.
Support for domestic and family violence – This year we supported 766 participants on the Financial
Independence Hub, and our Community Wellbeing team supported over 17,000 interactions with customers invulnerable circumstances.
Support for small business – In 2021 we created Benefits finder for business to help small business owners. It
has now helped over 19,000 Australian businesses initiate claims worth more than $215 million. During theyear, we also announced a partnership with CoGo to provide personalised carbon footprints for retail andselected small business customers, based on their spending data.
Promoting diversity and inclusion among our suppliers – Our Supplier Code of Conduct requires that our
suppliers have in place Equal Employment Opportunity (EEO), anti-discrimination and anti-harassment policies
covering their operations and supply chain which meet or exceed requirements of any relevant laws. For moredetails see our Supplier Code of Conduct pages 4-5.
Accessible technology – Our new Smart EFTPOS terminal incorporates feedback from accessibility specialists,
and members from the blind and low vision community, resulting in us making a number of accessibility
enhancements. These include a tactile guide, improving the PIN entry instructions and improving font size andletters. Text colour can also be adapted.
Providing banking access in remote communities – We are committed to maintaining Australia’s largest
branch network, investing around $50 million each year in new branches and refurbishments. In all new andrefurbished branches, we make our spaces inclusive and accessible through good design. This includes
simplified signage, switching to matte surfaces to improve legibility, adding braille signage on our ATMs andoutside our branches, incorporating hearing loops at both telling and customer service points, and ensuring
there is wheelchair access throughout all customer and staff areas.
For more details, please refer to our publicly available Accessibility and Inclusion Plan for the period 2021 to2023 which outlines the actions we are taking to achieve our goal to be Australia’s most accessible bank.

Reference and Link
Our material risks – pages 52-55
Our approach to corporate governance –pages 66-70
Climate Report 2022:
Reimagining banking – pages 22-23
Supplier Code of Conduct
Social – pages 4-5
Accessibility and Inclusion Plan 2021-2023

13
Requirements
High-level summary of bank’s response
Principle 4: Stakeholders
We will proactively and responsibly consult, engage and partner with relevant stakeholders to achieve society’s goals.
4.1 Describe which stakeholders (orOur approach to stakeholder engagement – We engage with diverse groups of stakeholders in a structured
groups/types of stakeholders) yourand coordinated manner. We proactively seek to hear what issues matter to them and look to understand theirbank has consulted, engaged,
views. Through our engagement and subsequent actions, we aim to build constructive relationships with ourcollaborated or partnered with for the
stakeholders.
purpose of implementing these
Principles and improving your bank’s
impacts. This should include a highlevel overview of how your bank has
identified relevant stakeholders andwhat issues were addressed/results
achieved.

We believe in partnering with credible organisations to accelerate a coordinated and purposeful transition.
During the year we engaged with both internal and external subject matter experts and stakeholders on ESG
issues. Through this process we heard about themes that mattered to them and were viewed as material
matters for the Bank.
Our Accessibility and Inclusion Plan 2021-2023 was developed by the Commonwealth Bank, Bankwest and theBank’s Customer and Community Advocacy team, together with the Australian Network on Disability (AND) andin consultation with a large range of community and academic experts.
We consider our stakeholders’ diverse views and these inform our decisions and actions. Structured
engagement programs are in place for customers, shareholders, regulators, government representatives,
industry and community groups. We also build partnerships and seek various groups’ views through forums
such as our CEO Advisory Panel, Community Council and Indigenous Advisory Council, Aboriginal and Torres
Strait Islander Community of Practice, and the Next Chapter Community of Practice. Our Indigenous Advisory
Council brings together internal CBA and external First Nations leaders who share their lived experience toguide our Reconciliation Action Plan and monitor implementation into the business.
For more details on how we review and prioritise engagement based on AA1000 AccountAbility Stakeholder
Engagement Standard, see our Stakeholder Engagement Approach.
Net-Zero Banking Alliance (NZBA) – This year, the Board resolved to align the Bank’s temperature ambition
to 1.5°C which informs our sector-level financed emissions, and to join the NZBA. This decision was informed
after reviewing the Australian policy context, feasibility of achieving 2030 interim targets for key lending
portfolios, and the global emissions trajectory for three hard to abate sectors (cement, iron and steel, andaviation).
The Commonwealth Scientific and Industrial Research Organisation (CSIRO) – This year we partnered with
Australia’s national science agency, CSIRO. Together we are developing Australia-specific transition pathways
for key sectors of the Australian economy consistent with limiting global warming to 1.5°C. The research will
help us set interim sector targets for our financed emissions. Moreover, with the research outcomes being madepublic, the partnership could also help other organisations to shape their own climate-related strategies andtargets.
Australian Banking Association (ABA) – We are an active member of the Australian Banking Association(ABA) and our CEO Matt Comyn is a member of the ABA Council which provides leadership to the ABA on
policy issues which affect the banking sector. The ABA works with government, regulators and other

Reference and Link

Annual Report 2022:
Leadership in Australia’s recovery andtransition- pages 12-13
Our approach to ESG – pages 22-23
Supporting our customers – pages 32-35
Caring for our communities – pages 36-37
Our approach to corporate governance –pages 66-70
Climate Report 2022:
Foreword from the Chairman and CEOpages 2-3
Environmental and Social Framework
Guiding principles and values – page 3
Governance and oversight – page 4
Stakeholder Engagement Approach
Accessibility and Inclusion Plan 2021-2023
Who developed the Accessibility andInclusion Plan 2021-2023? – page 40
ABA 2021 Annual Report:
Chair’s Report

14
Requirements

High-level summary of bank’s response
stakeholders to improve public awareness and understanding of the industry’s contribution to the economy andto ensure Australia’s banking customers continue to benefit from a stable, competitive and accessible banking
industry. We are working with the ABA to progress aligned industry action supporting climate transition. This
year we participated in the ABA’s reviews of the International Sustainability Standards Board (ISSB) Exposure
Draft IFRS S1 General Requirements for Disclosure of Sustainability-related Financial Information and S2Climate-related Disclosures, and the Taskforce on Nature-related Financial Disclosures (TNFD) beta frameworkfor nature-related risk and opportunity management and disclosure. We also worked together with the ABA andother member banks over the past two years to coordinate a range of measures to support Australians throughthe pandemic.

Reference and Link

Communities – We are committed to making a positive contribution to the communities we serve andsupporting Australia through challenging times and a purposeful transition. For examples of how we havesupported our communities to further the SDGs, see our Annual Report, pages 36-37.
Requirements
High-level summary of bank’s response
Principle 5: Governance and culture
We will implement our commitment to these Principles through effective governance and a culture of responsible banking
5.1 Describe the relevant governance
GOVERNANCE STRUCTURES
structures, policies and procedures
your bank has in place/is planning to
put in place to manage significant
positive and negative (potential)
impacts and support effective
implementation of the Principles.

CBA Board - Sets the strategic objectives and risk appetite of CBA, and oversees the management of E&Srelated (including climate) risks and opportunities. The CBA Board approves the E&S Framework and Policy andcertain climate-related disclosures.
Board Risk & Compliance Committee – Monitors the Bank’s climate-related risk profile (including emerging
risks). Receives and reviews climate-related risk reports from management.
CBA CEO - Accountable for the day-to-day management of CBA and execution of our strategic priorities.
Executive Leadership Team (ELT) - Accountable for making specific recommendations to the CEO andagreeing common actions addressing: strategy, business performance, people leadership and culture, and risk
and compliance management and control.
ELT E&S Committee - The ELT E&S Committee, chaired by the CEO, consists of Group Executives and seniorleaders across business and support unit functions. It is the approval body and point of escalation for decisions
relating to the E&S work program underway across the Bank. Decisions made by the ELT E&S Committee
include setting and monitoring targets and approving key methodologies, which are then reviewed andapproved by the Board. Each member is accountable for driving the strategic priorities within their business or
support unit. The Bank’s CFO has oversight of the environmental-related aspects of the E&S work program
across the Bank.
Business E&S Action Group – The Business E&S Action Group is chaired by the Bank’s CFO. It comprises
representatives from relevant business and support units. The Business E&S Action Group supports the ELT

Reference and Link

Climate Report 2022:
Our approach to governance – page 10
Management accountability – page 12
Our climate scenario analysis – pages 3437
Annual Report 2022:
Simpler, better foundations – pages 18-19
Our corporate governance framework –page 67
Environmental and Social Framework
Governance and oversight – page 4
Measuring and reporting on progress andperformance – page 5
Green, Social and Sustainability Funding
Framework
Overview – page 7
Website: Corporate Governance – Risk
Management and Assurance

15
Requirements

High-level summary of bank’s response
E&S Committee by reviewing E&S-related documentation; making recommendations regarding targets andmethodologies; and providing updates on progress, actions, regulatory and industry developments related to
our E&S work program.

Reference and Link

Our people - Responsible for adhering to the standards of behaviour, actions and decisions set out in the Codeof Conduct and delivering for our customers.
FRAMEWORKS & POLICIESE&S Framework – Our E&S Framework states that we are committed to embedding E&S considerations into
our business processes and decision-making. Our approach is facilitated by our risk management framework,and by targets and minimum standards for a range of specific sectors.
Risk Management Framework (RMF) – covers the systems, structures, policies, processes and people that
identify, measure, evaluate, monitor, report and control or mitigate both internal and external sources ofmaterial risk. It acknowledges that E&S risks, which include the physical and transition risks of climate change,
represent drivers of material financial, non-financial and strategic risk to the Bank.
Executive Performance and Remuneration Frameworks – Our Performance and Remuneration Frameworks
support disciplined risk management, and financial and non-financial outcomes including customer andreputation.
Green, Social and Sustainability Funding (GSSF) Framework – This Framework sets out the governance andoversight processes that will support issuance by CBA of Sustainable Funding Instruments that meetinternational standards for these products. The Sustainable Funding Instruments issued under this Framework
will align with the International Capital Market Association (ICMA)’s Green Bond Principles (2021), the Climate
Bonds Standard, ICMA’s Social Bond Principles (2021), or the ICMA Sustainability Bond Guidelines (2021).
Green, Social and Sustainability Funding (GSSF) Steering Committee – in place since 2019 to oversee
processes that support issuance by CBA of Sustainable Funding Instruments that meet international standards
such as those issued by the ICMA and the Climate Bonds Initiative.
5.2 Describe the initiatives andmeasures your bank has implemented
or is planning to implement to foster aculture of responsible banking amongits employees. This should include ahigh-level overview of capacity building,inclusion in remuneration structuresand performance management andleadership communication, amongst
others.

Culture change within the Bank has been a significant focus over the last four years. We focused on building theskills and behaviours of our people to deliver better customer and risk outcomes. We lifted leadership capability;
embedded our Code of Conduct to guide our people on how to act and make decisions; developed a culture
roadmap to uplift risk culture mindsets and behaviours; and made changes to incorporate risk considerations
into the remuneration framework. As a result, our culture became more accountable and open to challenge.
This year we renewed our purpose, building a brighter future for all, to reflect the role we see ourselves playing
in the years ahead and to focus on the impact we can make to people’s lives.

Annual Report 2022:
Who we are – pages 8-9
Sustainability performance – Social – ourcommunities – page 47
Our material risks – pages 52-55
Climate Report 2022:
Our approach to governance – pages 10-1316Requirements

High-level summary of bank’s response

Some of the ways we foster a culture of responsible banking among our employees include:
Mandatory training around our Code of Conduct ensures staff clearly understand what it means to do
the right thing. There are remuneration consequences for employees who do not meet their training
obligations.
Selected Business Banking team members participated in a climate‑related learning program led by
Monash University. Business and Institutional team members undertook training and participated inawareness sessions on Environmental, Social and Governance Risk Fundamentals and ourEnvironmental and Social Framework.
Our Board continues to expand its E&S expertise through education sessions. Two climate-focused
education sessions were held for the Board in the last six months. These were led by external experts
and covered, Australia’s path to net zero emissions; the key policies and geopolitical considerations toenable the global transition; and implications for Australia.
Our newly-created E&S Hub is an internal site to support CBA’s people to learn more about our E&S
commitments and fundamentals of climate change.
E&S (including climate) objectives are considered in short and long-term variable remuneration
decisions through target setting, performance assessment, risk framework and remuneration
outcomes. Our remuneration structure is designed to meet our strategic goals, including sustainability
commitments.
o For the CEO, this year's performance assessment and remuneration outcomes considered theBank's progress against our strategy, including our response to E&S opportunities and risks.
o For other members of our ELT, this year’s performance assessment and remuneration
outcomes reflect accountability for responding to E&S opportunities and risks within theirbusiness units and developing and implementing the Group’s E&S Framework and Policy.

Reference and Link

17
Requirements

5.3 Governance Structure for
Implementation of the Principles
Show that your bank has a governancestructure in place for the
implementation of the PRB, including:a) target-setting and actions to achievetargets setb) remedial action in the event oftargets or milestones not being
achieved or unexpected negative
impacts being detected.

High-level summary of bank’s responseo Next year, further work will be undertaken on executive metrics and Key Performance
Indicators (KPIs). The Board will continue to oversee how E&S is considered and reflected in
our performance and remuneration framework to meet shareholder and community
expectations.
The Board regularly considers E&S matters given their importance to our stakeholders and the Bank’s long-term
performance. At a minimum, E&S is on the agenda at each main Board meeting (six times per year). The Board
has monitored the E&S work program, including the roadmap developed by management to meet CBA’s
climate change targets. Key activities included:
Advancing the Bank’s E&S program, which outlines the Group’s commitment to managing E&S risks,
including climate change, human rights and modern slavery.
Discussing the priorities and scope of the Group’s Social impact program in the context of the evolving
external environment.
Resolving to join the Net-Zero Banking Alliance (NZBA) and to support Australia’s transition to net
zero emissions by 2050.
Reviewing and approving in principle the Modern Slavery and Human Trafficking Statement 2021.

Reference and Link

Climate Report 2022:
Our approach to governance – pages 10-13
Annual Report 2022:
Board planning and agenda setting – pages
68-70
Environmental and Social Framework
Governance and oversight – page 4

Our E&S Framework and Policy establishes Board responsibility for overseeing the management of E&S risks
and opportunities. The Board holds the CEO and the Executive Leadership Team (ELT) accountable for thedelivery of E&S responsibilities outlined in our policies, procedures and in accordance with the risk appetite set
by the Board.
The ELT E&S Committee and Business E&S Action Group were established last year, to oversee detailed
implementation of our E&S work program and provide robust governance of E&S risks and opportunities,
including climate change and biodiversity. This year, we continued to embed climate considerations in our
existing governance forums.
For more details on how our governance structures support implementation of the UN PRB, see page 8-15 ofour 2022 Climate Report.
Please provide your bank’s conclusion/ statement if it has fulfilled the requirements regarding Governance Structure for Implementation of the Principles.
We have fulfilled the requirements of this principle through our existing governance structure, and will continue to improve this. More information on some of our governance forward
commitments, can be found on page 15 of our 2022 Climate Report.

18
Requirements
High-level summary of bank’s response
Reference and Link
Principle 6: Transparency & accountability
We will periodically review our individual and collective implementation of these Principles and be transparent about and accountable for our positive and negative impacts and ourcontribution to society’s goals.
6.1 Progress on Implementing theAnnual Report 2022:
We have been a signatory to the Principles for Responsible Banking since 2019 and we continue to align our
Principles for Responsible Banking
Simpler, better foundations – pages 18-19
business practices to these principles.
Our approach to ESG – pages 22-23
This year, we strengthened our commitment to decarbonising our portfolio by joining the NZBA. We support
Show that your bank has progressed
increasing standardisation in financed emissions disclosures, and signed up to the Partnership for Carbon
on implementing the six Principles over
Climate Report 2022:
Accounting Financials (PCAF) Standard.
Our commitment to limit global warming –the last 12 months (up to 18 months
in your first reporting after becoming asignatory) in addition to the setting
and implementation of targets inminimum two areas (see 2.1-2.4).

We disclose our progress on material matters and key initiatives in the Group's Annual Report, Climate Report,
Sustainability Metrics, and Modern Slavery Statement. This is our second UN PRB report, and we will continue
to consider how we build upon our reporting.

Show that your bank has considered
existing and emerging
international/regional good practices
relevant for the implementation of thesix Principles for Responsible Banking.
Based on this, it has defined priorities
and ambitions to align with goodpractice.

This year we published our second Modern Slavery and Human Trafficking Statement 2021; completed ourFinal Remedial Action Plan program of work; and updated our Group’s Green, Social and Sustainability Funding
Framework (GSSF Framework) and published our 2022 Impact Report.

Show that your bank has
implemented/is working on
implementing changes in existing
practices to reflect and be in line withexisting and emerging
international/regional good practices
and has made progress on its
implementation of these Principles.

Sustainability frameworks – We participate in, and are committed to supporting, the following frameworks
and initiatives: Equator Principles; RE100; TCFD; TNFD; Principles for Responsible Banking; and UN Guiding
Principles on Business and Human Rights. We report our progress in line with legislation, frameworks andcertifications including: GRI, SASB, CDP, Elevate Reconciliation Action Plan, Climate Active, Toitῡ carbonzero
and Modern Slavery Act 2018.

Dedicated Climate Change Report – this year, our targets and commitments for managing climate change
risk are for the first time disclosed in a dedicated annual Climate Report, which is aligned with therecommendations of the TCFD.

page 5
Leadership in Australia’s transition – pages
19-20
Environmental and Social Framework
Laying the foundations – page 2
Guiding principles and values – page 3
FY22 Results Presentation:
Our commitment to sustainability- page 55
CBA Modern Slavery Statement 2021

The following additional instruments and frameworks help to guide our approach to environmental and social
issues: Banking Code of Practice; Paris Agreement (pursuant to UN Framework Convention on Climate
Change); UN Declaration on the Rights of Indigenous Peoples; UN Sustainable Development Goals; and UN
Global Compact.
Please provide your bank’s conclusion/statement if it has fulfilled the requirements regarding Progress on Implementing the Principles for Responsible Banking
We are well progressed in fulfilling the requirements regarding progress on implementing the Principles for Responsible Banking. We will continue to better understand our impacts and iterate
our approach to sustainability.

20

Global Reporting Index (GRI) Disclosures
GRI 102: General Disclosures
GRI No.

Title

2022 Annual Report location/ Other references or information
Organisational Profile

102-1

Name of the organisation

Commonwealth Bank of Australia, Sydney, Australia

102-2

Activities, brands, products and services

2022 Annual Report:
Financial reporting by segments- page 142
CBA Website

102-3

Location of headquarters

102-4

Location of operations

102-5

Ownership and legal form

102-6

Markets served

102-7

Scale of the organisation

102-8

Information on employees and other workers

102-9

Supply chain

2022 Annual Report:
Contact Us, pg 305
International locations
2022 Annual Report:
Directors report- page 802022 Annual Report:
Notes to the financial statements, Overview- pages 123-1272022 Annual Report:
Financial reporting by segments- page 1422022 Annual Report:
Directors’ report, operating and financial review- page 81
2022 Annual Report:
Who we are - pages 8-9
Engaging our people - pages 28-31
Sustainability performance, Social -our people - pages 62-63
2022 Annual Report:
Governance, Approach with suppliers- page 41
Modern Slavery and Human Trafficking Statement FY 2021

102-10Significant changes to the organisation and its supply chain

CBA Supplier Code of Conduct
2022 Annual Report:
2022 Highlights- pages 2-3
Chairman’s message- pages 4-5
CEO’s message- pages 6-7
Who we are - pages 8-9
Engaging our people - pages 28-31
Notes to the financial statements, Overview- pages 123-127

21
102-11

Precautionary principle or approach2022 Annual Report:
Managing our strategic risks - pages 50-55
Climate Report 2022:
Risk – pages 28-29

102-12External initiatives

102-13

Membership of associations

Further information in our Environmental and Social Framework
2022 Annual Report:
Supporting our customers – pages 32-35
Caring for our communities – pages 36-37
Governance – pages 38-41
CBA Corporate Responsibility
2022 Annual Report:
Our approach to ESG – page 23
Governance – pages 38-41
2022 Climate Report:
Leading the transition conversation – page 21
Corporate Governance Statement
Strategy102-14

Statement from senior decision maker2022 Annual Report:
Chairman’s message – pages 4-5
CEO’s message - pages 6-7
Remuneration report- pages 86 - 112
2022 Climate Report:
Chairman and CEO foreword – pages 2-3
Ethics and Integrity

102-16

Values, principles, standards and norms of behaviour

2022 Annual Report:
Chairman’s message - pages 4-5
CEO’s message - pages 6-7
Who we are – pages 8-9
Engaging our people - pages 28-31
Governance – pages 38-41
Corporate Governance Statement
CBA Code of Conduct

22
Governance102-18Governance structure2022 Annual Report:
Governance – pages 38-41
Our approach to corporate governance- pages 66-72
Corporate Governance Statement
Stakeholder engagement102-40

List of stakeholder groups

2022 Annual Report:
2022 Highlights – page 3
Our approach to ESG – page 23
Sustainable Development Goals 41
Our approach to corporate governance - pages 68-70
Corporate Governance Statement102-41

Collective bargaining agreements

As at 30 June 2022, 84% of employees are covered by the Commonwealth Bank Group EA(covers Commonwealth Bank of Australia, Commonwealth Securities, Colonial Services,
Commonwealth Insurance) or the Bankwest EA.

102-42

Identifying and selecting stakeholders

2022 Annual Report:
Our strategic priorities – pages 10-11
Governance – pages 38-41
Our approach to corporate governance – pages 68-70
CBA Supplier Code of Conduct
Corporate Governance Statement102-43

Approach to stakeholder engagement

2022 Annual Report:
Our strategic priorities – pages 10-11
Governance – pages 38-41
Our approach to corporate governance – pages 68-70
CBA Stakeholder Engagement Approach
CBA Supplier Code of Conduct
Corporate Governance Statement102-44

Key topics and concerns raised

2022 Annual Report:
Our strategic priorities - pages 10-11
Our approach to ESG - pages 22-23

23Managing our strategic risks - pages 50-55
CBA CEO Customer Forums
CBA Annual General Meeting102-45

Entities included in the consolidated financial statements

102-46

Defining report content and topic boundaries

102-47

List of material topics

Reporting structure2022 Annual Report:
Financial report, Note 11 Group Structure – pages 259-268
2022 Annual Report:
Sustainability performance – pages 42-47
2022 Annual Report:
Our strategic priorities – pages 10-11
Our material risks – pages 52-55
Our approach to ESG – pages 22-23
Further information in our Environmental and Social Framework

102-48

Restatements of information

All material restatements are noted within the relevant data sets

102-49Changes in reporting

Continued to produce a report that combines financial and non-financial performance
2022 Annual Report:
Our commitment to sustainability 20-41
Sustainability performance 42-47
2022 Climate Report:
This year, the Bank has published its first standalone
Climate Report aligned to the 11 TCFD recommendations. The report outlines our position andapproach to climate change, as well as our progress and commitments. It has six chapters,
covering our climate positioning, governance, strategy, risk management, metrics and targets,and includes technical appendices.

102-50

Reporting period

FY22: 1 July 2021 – 30 June 2022

102-51

Date of most recent previous report

FY21: 1 July 2020 – 30 June 2021

102-52

Reporting cycle

Annual102-53

Contact point for questions regarding the reportcbainvestorrelations@cba.com.au

24102-54Claims of reporting in accordance with GRI Standards

This report has been prepared in accordance with the GRI Standards: Core option

102-55GRI Content Index

GRI Content Index (this document)

102-56External assurance

External Assurance
2022 Annual Report:
Independent Limited Assurance Report on sustainability performance metrics - pages 48-49
Auditor’s Independence Declaration - pages 114
2022 Climate Report:
Independent Limited Assurance Report – pages 77-79
Management Approach103-1 to 103-3

Management Approach2022 Annual Report:
Our approach to sustainability – pages 20-41
2022 Climate Report
Further information in our Environmental and Social Framework

GRI: Material Topics
GRI No.

Title

2022 Annual Report location/ Other references or information
Economic Performance

201-1

Direct economic value generated and distributed

2022 Results Presentation & Investor Discussion Pack:
Overview – FY22 Result- page 59
2022 Annual Report:
2022 Highlights 2-3
Supporting our community – pages 36-37
Sustainability performance - pages 42-47
Financial performance – pages 127-142

201-2

Financial implications and other risks and opportunities due to climatechange2022 Annual Report:
Our strategic priorities 10-11
Our material risks 52-55
2022 Climate Report
Risk – pages 28-39
Further information in our Environmental and Social Framework

25
Our CDP submissions are available on our Performance Reporting website (CDP 2022
available in late November 2022)
201-3

Defined benefit plan obligations and other retirement plans

205-1 to 2053

Operations assessed for risks related to corruption

2022 Annual Report:
Operating Expenses, Superannuation – page 136
Anti-corruption
2022 Annual Report:
Sustainability performance, Group compliance training – page 47 and definition, page
303
Managing our strategic risks – page 54
Our approach to corporate governance – page 70
Litigation, investigations and reviews – pages 191- 195
Risk management framework - page 212
CBA Anti Bribery and Corruption Policy
CBA Code of Conduct
Emissions305-1 to 305-5

Direct (Scope 1) GHG emissions
Energy indirect (Scope 2) GHG emissions
Other indirect (Scope 3) GHG emissions
GHG emissions intensity
Reduction of GHG emissions

306-2

Waste by type and disposal method2022 Annual Report:
Sustainability performance – pages 42-43
2022 Climate Report:
Simpler, better foundations – pages 24-25
Metrics and targets – pages 41-43
Reducing our operational emissions – pages 50-51
Our CDP submissions are available on our Performance Reporting website (CDP 2022
available in late November 2022)
Effluents and Waste
2022 Annual Report:
Sustainability performance, waste – page 43
OHS

403-2

Types of injury and rates of injury, occupational diseases, lost days, andabsenteeism, and number of work-related fatalities

2022 Annual Report:
Sustainability performance - pages 44 - Lost Time Injury Frequency Rate (LTIFR),
Absenteeism

26
405-1

Diversity of governance bodies and employees

405-2

Ratio of basic salary and remuneration of women to men

2022 Annual Report:
Who we are – pages 8-9
Engaging our people – pages 28-31
Sustainability performance – pages 44-45
Board of Directors – pages 73-76
Executive Leadership Team – pages 77-79
2022 Annual Report:
Sustainability performance, gender pay ratio – page 45
Corporate Governance Statement
Human Rights Assessment

412-1 to 412-3

Human rights assessments

2022 Annual Report:
Governance – pages 40-41
Sustainability performance, ESG training - page 45
Further information in our Environmental and Social Framework
Modern Slavery and Human Trafficking Statement FY 2021
Local Communities

413-1 to 413-2

Operations with local community engagement, impact assessments, anddevelopment programs
Operations with significant actual and potential negative impacts on local
communities

2022 Annual Report:
Highlights - page 3
Chairman’s message - page 4-5
CEO’s message - page 6-7
Leadership in Australia’s transition and recovery - pages 12-13
Supporting our customers – pages 32-35
Caring for our community 36-37
Next Chapter website

Role modelling reconciliation website
Our Accessibility and Inclusion Plan and Corporate Governance Statement can be found at
our policies webpage.
Customer Privacy
418-1

Substantiated complaints concerning breaches of customer privacy andlosses of customer data

2022 Annual Report:
Sustainability performance – page 46
Litigation, investigations and reviews – pages 191-195
2022 Sustainability performance metrics and disclosures:

27
Governance, data breaches reported to the OAIC
Availability of Payments Services to Individuals and Businesses
Socioeconomic Compliance419-1

Non-compliance with laws and regulations in the social and economic
area

2022 Annual Report:
Our approach to ESG – pages 22-23
Governance – pages 38-41
Directors’ Report, Environmental reporting – page 83
Modern Slavery and Human Trafficking Statement FY 2021

28

Sustainability Accounting Standards Board (SASB) Disclosures
SASB Index: Commercial Banks Standards
Accounting Metric

Category

Unit of measure

Code

Response (FY22)

FN-CB230a.1

CBA is required to report notifiable data breaches to the
Office of the Australian Information Commissioner (OAIC)
when they occur.

Supporting documents (FY22)

Data Security(1) Number of data
breaches

Quantitative

Number,
Percentage (%)(2) percentage involving
personally identifiable
information (PII),

See the 2022 Annual Report for information on ourvoluntary Enforceable Undertaking and privacy-related
complaints(3) number of accountholders affected

See our 2022 Sustainability performance metrics anddisclosures for the definition and number of data breaches
reported to the OAIC.
See CBA's Group Privacy Statement at
commbank.com.au/privacy.

Description of approach
to identifying andaddressing data security
risksDiscussion andAnalysisn/a

FN-CB230a.2

Cybersecurity and Privacy and data management and arelisted as material risks for the business. Key actions aredetailed in the 2022 Annual Report.
See our Privacy Statement and CommBank Secure
webpage for detail on the actions we the actions we take toprotect customers from data breaches and security
incidents.
See our Code of Conduct for our expectations for staff oncustomers’ privacy.

Group Privacy Statement
2022 Annual Report:
Sustainability performance – page 46
Litigation, investigations and reviews –pages 191-195

2022 Sustainability performance metrics
and disclosures:
Governance, data breaches reported to the
OAIC
Availability of Payments Services to
Individuals and Businesses
2022 Annual Report:
Our material risks- page 52-55
Group Privacy Statement
Commbank Secure
Information Classification Standards
CBA Code of Conduct

29
Financial Inclusion and Capacity Building(1) Number and (2)amount of loans
outstanding qualified toprograms designed topromote small businessand community
development(1) Number and (2)amount of past due andnonaccrual loans
qualified to programs
designed to promotesmall business andcommunity development
Number of no-cost retailchecking accounts
provided to previously
unbanked orunderbanked customer
Number of participants infinancial literacy
initiatives for unbanked,
underbanked, or
underserved customers

Quantitative

Number, Reporting
currency

FN-CB240a.1

Business Banking provides fee-free or discounted products andservices for not-for-profit organisations. In 2022 we accrued$3,103,644 million in foregone revenue from 69,705 businessaccounts.
In response to COVID-19, Business Banking supported
Government initiatives, including the Government SME Guarantee
Scheme where CBA has cumulatively approved more than $4,300
million in loans.

2022 Annual Report:
Benefits finder- page 13
Caring for our communities – page
36
Metrics, community investment page 47
Financial performance, Retail
Banking Services – page 62

See the 2022 Annual Report more information on how we support
small businesses and communities, including our Benefits finder
tools, community investment, and the First Home Loan Deposit
scheme.

2022 Results Presentation &Investor Discussion Pack:
Leadership is Australia’s recovery
and transition - page 14

Quantitative

Number, Reporting
currency

FN-CB240a.2

We provide support through our Financial Assistance Solutions
team to customers experiencing hardship for various reasons. As at
30 June 2022 there are 123,749 accounts in hardship, and theseare broken down by category in our 2022 Sustainability
performance metrics and disclosures.

2022 Sustainability performance
metrics and disclosures:Social- our customers, Approved
accounts in hardship

Quantitative

NumberFN-CB240a.3

Retail banking provides fee-free or discounted products andservices for a range of customers such as young customers,
students, Government benefit recipients and the elderly. In 2022
retail foregone revenue accounted for $185,054,356 million.

2022 Annual Report:
Sustainability performance,
foregone revenue - page 47

Quantitative

NumberFN-CB240a.4

See our 2022 sustainability performance for details on our
Indigenous Customer Assistance Line calls, Community Wellbeing
team interactions and Financial Independence Hub.
These programs, as well as our fraud and scam prevention forcustomers, First Nations customers and recently arrived refugees
to Australia are also further detailed in the 2022 Annual Report.

2022 Annual Report:
Sustainability performance,
foregone revenue - page 47
Supporting our customers- page 32
Caring for our communities- page
37
CommBank Secure
Next Chapter website

30
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
Commercial andindustrial credit exposure,by industry

Quantitative

Reporting currency

FN-CB410a.1

The Group's approach to credit risk is reported in line withregulatory requirements in pages 215 to 234 of the 2022 Annual
Report.

2022 Annual Report:
Notes to the financial statements9.2- page 215-234

Credit exposure by industry is disclosed in the FY22 Results
Presentation and Investor Discussion Pack.

2022 Results Presentation and
Investor Discussion Pack:
Total committed exposure summaryand sector focuses
Pages 98-104

The Group's Energy Value Chain in the 2022 Climate Reportdisplays our credit exposure to fossil fuel and energy sectors.

Description of approach
to incorporation ofenvironmental, social, andgovernance (ESG) factors
in credit analysis

Discussion andAnalysisn/a

FN-CB410a.2

Environmental and Social (E&S) risk is discussed as a material risk
in our 2022 Annual Report.
This year the Bank has published its first standalone Climate
Report aligned to the 11 TCFD recommendations. The reportoutlines our position and approach to climate change, as well as
our progress and commitments.

2022 Climate Report:
Energy Value Chain- page 48
2022 Annual Report:
Managing our strategic risks –pages
50-55
2022 Climate Report:
ESG risk assessment tool – pages
60-61

See our Climate Report for information on our ESG risk assessment
tool.

CBA Environmental & Social
Framework

Our Environmental and Social Framework provides a reference
point for our people and stakeholders on the minimum standards
we seek to abide by.

Equator Principles 21

As per the Equator Principles, in FY21 we assessed six (6) project
finance loans and two (2) project-related refinance transactions forenvironmental, social and governance risks.

31
Business Ethics
Total amount ofmonetary losses as aresult of legal
proceedings associatedwith fraud, insider
trading, anti-trust, anticompetitive behaviour,market manipulation,
malpractice, or otherrelated financial industry
laws or regulations

Quantitative

Reporting currency

FN-CB510a.1

The Group's exposure to litigations, investigations and reviews aredetailed in pages 191 to 196 of the 2022 Annual Report.
Customer remediation may be required and recognised inprovisions, as explained on these pages.

2022 Annual Report:
Notes to the financial statements7.1, Litigation, investigations andreviews- pages 191-195

Description of whistleblower policies andprocedures

Discussion andAnalysisn/a

FN-CB510a.2

The Group's Whistleblower policy is publicly available and adhereswith ASIC Regulatory Guide 270.

2022 Annual Report:
Sustainability performance – page
47
Governance – page 40

Our Annual Report highlights our commitment to fostering a‘speak up’ culture. The number of SpeakUP Programs cases was
317 in FY21 of which 96 were Whistleblower cases.

Whistleblower Policy

32
Systemic Risk Management
Global Systemically
Important Bank (G-SIB)
score, by category

Quantitative

Basis points (bps)

FN-CB550a.1

The Group is not classified as a G-SIB, but it publicly discloses (asrequired under APRA Prudential Standard APS 330 Public
Disclosure) against the G-SIB indicators.

G-SIB reporting

Description of approach
to incorporation of
results of mandatory andvoluntary stress tests into
capital adequacy
planning, long-term
corporate strategy, andother business activities

Discussion andAnalysisn/a

FN-CB550a.2

The Group submits results of stress testing to the regulator as
required. This year, we welcomed the opportunity to actively
engage on APRA’s Climate Vulnerability Assessment to provide
insights into the risks of climate change on the financial systemand economy.

2022 Climate Report:
Our climate scenario analysispages 34-37

We disclose how we are addressing the risks associated withclimate change in our 2022 Climate Report.
This year, we used climate scenario analysis to identify and assess
our exposure to financial; risks arising from climate change,
incorporating both physical and transition risk. We have tested
74% and 63% of our lending portfolio to potential climate-relatedtransition and physical risks respectively. See our 2022 Climate
Report for more information.

Annual Reports

33
Activity Metrics(1) Number and (2) valueof checking and savings
accounts by segment: (a)personal and (b) small
business

Quantitative(1) Number and (2) valueof loans by segment: (a)personal, (b) small
business, and (c)corporate

Quantitative

Number, Reporting
currency

Number, Reporting
currency

FN-CB000.A

FN-CB000.B

Transaction balances for FY22 were $331 billion and over 2 million
new accounts were opened in the financial year across businessand retail banking.
Total deposits for FY22 were $686 billion.

2022 Results Presentation and
Investor Discussion Pack:
Consistent operational execution –page 8Deposit funding – page 107

Our loan value by category for FY22 is: Home loans = $622 bn
Consumer finance = $16.5 bn
Business and Institutional Loans = $244.4 bn

2022 Results Presentation and
Investor Discussion Pack:
Balance sheet – page 63

SASB Index: Mortgage Finance Standards
Accounting Metric

Category

Unit of measure

Code

Response (FY22)

Supporting documents (FY22)

Lending practices(1) Number and (2) valueof residential mortgagesof the following types: (a)Hybrid or Option
Adjustable-rate
Mortgages (ARM), (b)Prepayment Penalty, (c)Higher Rate, (d) Total, by
FICO scores above or
below 660

Quantitative

Number, reporting
currency

FN-MF270a.1

The Australian lending system does not use FICO scores to assess
home loan applications. During the application process, savings,
borrowing and repayments histories are also considered along withthe credit score.
See the Home and Consumer Lending overview of our FY22
Results fordetail on serviceability assessments, borrowing capacity, portfolio
quality and interest only home loans.

2022 Results Presentation and
Investor Discussion Pack:
Balance sheet – page 63
Home and Consumer Lending –pages 80- 95

34(1) Number and (2) valueof (a) residential
mortgage modifications,(b) foreclosures, and (c)short sales or deeds inlieu of foreclosure, by
FICO scores above andbelow 660

Quantitative

Number, reporting
currency

FN-MF270a.2

The Australian lending system does not use FICO scores to assess
home loan applications. CBA defines modifications as internalrefinancing, payments and customers in advance. We provide
detail on these categories in our FY22 Results presentation. CBA
discloses mortgagee in possession and negative equity at a
portfolio level. This information is disclosed in the FY22 Results
Presentation.

2022 Results Presentation and
Investor Discussion Pack:
Home and Consumer Lending –pages 80- 95

Total amount ofmonetary losses as aresult of legal
proceedings associatedwith communications tocustomers or
remuneration of loan
originators

Quantitative

Reporting currency

FN-MF270a.3

CBA is committed to managing disputes and litigation with its
retail and small business customers in a fair, timely andtransparent way.
See our Model Litigant Principles for commitments in relation to
our conduct of claims brought by or against retail and small
business customers.

The Model Litigant Principles

Description of
remuneration structureof loan originators

Our 2022 Annual Report details our current customer remediationand litigation, investigations and reviews and our progress tocomplete our Remedial Action Plan.

Discussion andanalysisn/a

FN-MF270a.4

Our Response To APRA’s Prudential
Inquiry2022 Annual Report:
Building on our Remedial Action
Plan – page 19
Notes to the financial statements7.1, Litigation, investigations andreviews- pages 191-195

Further information about the Remedial Action plan can be foundin our FY18-21 Annual Reports, our Response to APRA’s
Prudential Inquiry and our CEO Customer Forum webpages.

Annual Reports

Our remuneration principles are available on our policies webpage.

CBA Remuneration Principles

We report on our senior leader and Board remuneration for FY22
in the Annual Report.

2022 Annual Report:
Remuneration Report – pages 86112

CBA has fully implemented the Sedgwick recommendations forfrontline teams and leaders in the branch network in relation tovariable remuneration recommendations, with exception ofvariable remuneration potential for some leaders.

CBA CEO Customer Forums

CBA Royal Commission
implementation update

35
Discriminatory Lending(1) Number, (2) value,and (3) weighted average
Loan-to-Value (LTV)
ratio of mortgages issued
to (a) minority and (b) allother borrowers, by FICO
scores above and below
660

Quantitative

Total amount ofmonetary losses as aresult of legal
proceedings associatedwith discriminatory
mortgage lending

Quantitative

Number, reporting
currency,
percentage (%)

Reporting currency

FN-MF270b.1

FN-MF270b.2

CBA does not currently report the number of home loans, balances
or LVRs by race, ethnicity or minority groups.
Total home loan numbers, balances and LVRs are disclosed in our
FY22 Results presentation.

2022 Results Presentation and
Investor Discussion Pack:
Home and Consumer Lending –pages 80- 95

See the CommBank website for Information on the dedicatedindigenous and migrant banking resources we provide to meet the
specific needs of these customer groups.

Migrant Banking

CBA is committed to managing disputes and litigation with its
retail and small business customers in a fair, timely andtransparent way.
See our Model Litigant Principles for commitments in relation to
our conduct of claims brought by or against retail and small
business customers.
Our 2022 Annual Report details our current customer remediationand litigation, investigations and reviews and our progress tocomplete our Remedial Action Plan.
Further information about the Remedial Action plan can be foundin our FY18-21 Annual Reports, our Response to APRA’s
Prudential Inquiry and our CEO Customer Forum webpages.

Description of policies
and procedures for
ensuring nondiscriminatory mortgage
origination

Discussion andanalysisn/a

FN-MF270b.3

Indigenous Banking
The Model Litigant Principles
Our Response To APRA’s Prudential
Inquiry2022 Annual Report:
Building on our Remedial Action
Plan – page 19
Notes to the financial statements7.1, Litigation, investigations andreviews- pages 191-195
Annual Reports
CBA CEO Customer Forums

The Bank has a number of policies, practices and processes inplace to ensure our customers receive the right outcome. We alsoadhere to industry standards for service and customer protection.

CBA Code of Conduct

See our website for information on our Code of Conduct the
Baking Code of Practice, our Reconciliation Action Plan, Financial
Inclusion Action Plan, Accessibility and our Environmental andSocial Framework.

Reconciliation

Banking Code of PracticeFinancial Action Inclusion Plan
Accessibility
Environmental and Social
Framework

36
Environmental risk to mortgaged properties(1) Number and (2) valueof mortgage loans in
100-year flood zones

Quantitative

Number, reporting
currency

FN-MF450a.1

As at 30 June 2022, CBA’s exposure to increased flood risk was$19 billion or 56,000 properties. High peril risk for flood includes
properties within 1 in 50-year return period flood zones. See page
36 of the 2022 Climate Report for more information.
Environmental and social risks including more frequent and severe
weather events are considered a material risk for the Bank, and our
response actions including the use of our Customer Engagement
Engine to these risks are detailed in the 2022 Annual Report.

(1) Total expected lossand (2) Loss Given
Default (LGD)
attributable to mortgage
loan default anddelinquency due toweather-related natural
catastrophes, bygeographic region

Quantitative

Description of how
climate change and otherenvironmental risks areincorporated into
mortgage origination andunderwriting

Discussion andanalysis

Reporting currency,
percentage (%)

FN-MF450a.2

We report the value of total regulatory one year expected losses
and LGD (by PD band) for the total residential mortgage book.
We currently do not report losses based on extreme weather
events, natural catastrophes or by geographic location. Refer tothe 2022 Climate Report for more information on our climate
scenario analysis.

n/aFN-MF450a.3

This year, the Bank has published its first standalone Climate
Report aligned to the 11 TCFD recommendations.
The report outlines our position and approach to climate change,
as well as our progress and commitments.
The E&S Framework applies across the Bank, and provides areference point for our people and stakeholders on standards,
ambition, and the governance and oversight in place.
We have developed innovative products for home loan customers
to address and consider environmental risks. See our website for
information about or Green Loan and Green Home Offer.

Climate Report 2022
Pages 26 and 34-37.
2022 Annual Report:
Leadership in Australia’s recovery
and transition – page 13
Our material risks - page 52

2022 Results Presentation and
Investor Discussion Pack:
Home and Consumer Lending –pages 80- 95
Climate Report 2022
Pages 26 and 34-37.

Climate Report 2022
Environmental and Social
Framework
Green Loan
Green Home Offer

37
Activity Metric(1) Number and (2) valueof mortgages originatedby category: (a)residential and (b)commercial(1) Number and (2) valueof mortgages purchasedby category: (a)residential and (b)commercial

Quantitative

Quantitative

Number, reporting
currency

Number, reporting
currency

FN-MF000.A

FN-MF000.B

For the Australian home loan portfolio, we report balances, newfunding and total accounts in our FY22 Results Presentation
Value: $556bn (spot); $548bn (avg)
New funding: $76bn
Number of accounts: 2.0m
For the Australian commercial property portfolio, we report TCE
and a number of other metrics to assess the performance of theportfolio.
CBA does not provide purchased mortgage products to customers.
We do have a Residential Mortgage Back Security (RMBS) programthat is used as part of the Group's funding program. However, thepurchase of RMBS products are only available to institutional
investors and large wholesale clients. Details of our RMBS program
can be found on our website,2022 Results Presentation and
Investor Discussion Pack:
Home and Consumer Lending –pages 80- 95
Total committed exposure andsector summary – pages 98-104

Securitisation website