Commonwealth Bank June 2007 profit: result at a glance 16 August 2007 4:41PM • CBA's statutory net profit was $4.47 billion, a 14 per cent increase on 2005/06 and a record for the bank. Net profit after tax on a cash basis was $4.60 billion, an 18 per cent increase.• Cash earnings per share were $3.53, up 16 per cent on the previous year.• Return on equity increased 80 basis points to 22.1 per cent.• The net interest margin decreased 15 basis points to 2.19 per cent.• The final dividend is $1.49 taking the full year to $2.56, an increase of 32 cents or 15 per cent on the previous year.• Home loan balances including securitisation increased 14 per cent to $190 billion, with Australia increasing 11 per cent to $161 billion.• Provisions for impairment were steady at $1.3 billion and as a result the provision ratios fell, to 0.32 per cent as a percentage of loans and to 0.42 per cent as a percentage of risk-weighted assets.• Domestic deposit volume grew 17 per cent to $175 billion.• The corporate tax charge was $1.45 billion, providing a 27.6 per cent effective tax rate.• Market share. Commonwealth reported an 18.5 per cent market share in home loans, 18.8 per cent credit cards, 16.4 per cent personal lending, 29 per cent household deposits and a 21.6 per cent of retail deposits.