Commonwealth Bank of Australia posted A$10.98 billion in cash earnings for fiscal 2026, up 7% year-on-year and above the A$10.85 billion Visible Alpha consensus estimate, as growth in business and personal lending helped lift earnings. Net interest income rose 7% to A$25.59 billion, while net interest margin slipped 3 basis points to 2.05%. The bank said it matched or exceeded overall market growth across home loans, business lending, personal finance, household deposits and business deposits during the year. CBA nonetheless warned that economic growth is slowing and households are under uneven pressure from higher interest rates and inflation. It said new mortgage applications have fallen 15% since May after the government scrapped tax incentives for property investors, with investor loan applications down 28%. Reflecting a more cautious outlook amid geopolitical and macroeconomic uncertainty, the bank increased loan impairment provisions by 9% to A$788 million and declared a record final dividend of A$2.70 a share, up from A$2.60 a year earlier.