The Commonwealth Bank is Australia leading provider of integrated financial services including retail banking, premium banking, business banking, institutional banking, funds management, superannuation, insurance, investment and sharebroking products and services. The Group is one of the largest listed companies on the Australian Securities Exchange and is included in the Morgan Stanley Capital Global Index. . The Commonwealth Bank was founded under the Commonwealth Bank Act in 1911 and commenced operations in 1912, empowered to conduct both savings and general banking business. Today, they are grown to a business with more than 800,000 shareholders and 52,000 people working in the Commonwealth Bank Group. They offer a full range of financial services to help all Australians build and manage their finances. The key financial objective of the Group is to have Total Shareholder Return in the top quartile of our Australian listed peers over each rolling five-year period. Total Shareholder Return is calculated as the growth in the value of the investment in the Group shares, assuming all dividends are reinvested in shares at the point dividends are paid.