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The Commonwealth Bank of Australia (CBA) reported a 6% increase in half-year cash net profit to $5.3 billion in Sydney on Wednesday, February 11, 2026, driven by a significant surge in mortgage lending and a stabilize in interest margins. The nation’s largest lender announced the robust financial results for the first half of the 2026 fiscal year while simultaneously raising its interim dividend to $2.28 per share, a move intended to reward shareholders following a period of sustained credit growth despite broader macroeconomic volatility. Behind the headline growth figures, the bank's performance was bolstered by a 5% expansion in its home loan portfolio and a strategic focus on digital banking integration. This growth occurred even as competition for deposits remained fierce among the 'Big Four' Australian banks. Management noted that while the cost of living remains a concern for many households, the Australian consumer has proven more resilient than expected, with loan arrears remaining below historical averages. The bank's net interest margin, a critical measure of profitability, showed signs of stabilization after several quarters of contraction. Looking ahead, CBA Chief Executive Officer Matt Comyn cautioned that while the bank remains well-capitalized with a Common Equity Tier 1 ratio of 11.8%, the outlook for the remainder of 2026 remains tempered by geopolitical uncertainty and potential shifts in central bank policy. The bank intends to continue its investment in technology and artificial intelligence to streamline operations and combat increasing fraud and cybersecurity threats. Investors reacted positively to the news, as the dividend hike signaled confidence in the bank's ability to maintain capital strength while navigating a changing regulatory landscape.