Commonwealth Australia Analysis and Development

The provided report focuses on introducing Commonwealth Australia and analyzing its strength, weakness, opportunity, and threat (SWOT) analysis. The assignment identifies areas where Commonwealth Australia can improve, such as service delivery policy, restructuring, operational efficiency, and technological modifications. It also discusses structural development interventions to solve problems effectively and satisfy customers with products and services.

Organisational
Development

Table of Contents
INTRODUCTION...........................................................................................................................3
TASK...............................................................................................................................................3
Overview of Commonwealth Bank........................................................................................3
SWOT Analysis of Commonwealth Bank.............................................................................4
Area where company can improve.........................................................................................6
Organisational development interventions and problems that can be faced by organisation.7
Solving problems in effective ways.....................................................................................10
Recommendation...........................................................................................................................10
Conclusion.....................................................................................................................................10

INTRODUCTION
Organisational development is said to be important for every single organisation
which helps firm in becoming much effective at marketplace. This can be considered as
a systematic approach in order to enhance both productivity and profitability of a firm.
This includes various things like aligns strategy, training can be given to teams or
groups and procedures through which sustainability can be maintained in an
appropriate manner. Australian multinational financial organisation which has been
taken under this report i.e. Commonwealth Bank. Its headquarter is in Darling Harbour,
Sydney, Australia and have almost 50,000 employees who are continuously delivering
services to its clients. Report is going to include, organisations overview, Swot analysis,
areas where firm should improve and many development interventions, suggestions &
actions in order to resolve the issues.
TASK
Overview of Commonwealth Bank
Commonwealth Bank was founded in 22 December 1911 as a public
organisation. They had opened their first branch in Melbourne on July, 1912. In 1916,
Commonwealth Bank is moved its head office in Sydney. This bank starts acquiring
powers of central bank when it look over duties for the problems of Australlian bank
notes from treasury department in 1920. It is the industry which provide banking and
financial services. Companies headquarters are in Australia, Sydney and Darling
Harbour. Commonwealth Bank are having various numbers of location approx having
1,100 above branches and ATMs are establish approx 4,300 above. The managing
director Commonwealth Bank is Matt Comyn as well as chairman of organisation is
Catherine Livingstone AO. Commonwealth Bank provide various numbers of products
such as investment banking, insurance and finance, consumer banking, credit cards,
Mortgages, global wealth management, investment banking, corporate banking etc.
This organisation earn revenue is approx A$26.005 billion in 2017. Net income of
Commonwealth Bank is A$9.881 billion in 2017.
Organisation provide employment opportunity to numbers of workers within their
organisation as they employed 51,800 workers in 2017. Commonwealth Bank are

having various divisions such as services, international financial, retail banking services,
private and business banking, markets and institutional banking and wealth banking.
Organisation are having different subsidiaries like as Bankwest, ASB bank,
commonwealth securities, CommInsure, Colonial First State and Sovereign Limited.
Commonwealth Bank sold Bank of south Pacific and Colonial National Bank in
December 2009. this bank is one of the main Australian banks called as profiting as well
as financing from destructive activities to a Great Barrier Reef.
Structure of Commonwealth Bank is retail banking services division provide
financial services to small business and personal customers. Premium business
services are divided in two departments in 2009, Markets & institutional banking and
Private & Business banking. IB&M involve area of banks that give services to global
market and institutional clients. B&PB involves bank area that give business services to
consumers as well as customers of private banking. Wealth management bring together
master funds, financial advice business support, superannuation, groups funds
management platform and insurance.
SWOT Analysis of Commonwealth Bank
Commonwealth Bank of Australia SWOT analysis are discussed in detail below: S stands for Strength
1. Major bank of Australian as per main financial institution ranking: It has been
always committed to business sustainability as well as consumer satisfaction
along with its success. Commonwealth Bank was ranked as a number one
among main Australian bank in retail of main financial institution satisfy buyers.
They also maintain first position as well as equal rank in MRI satisfaction of
customers for various segments of enterprise involve online and mobile banking
in 2016. It is an key strength for an enterprise is it is ranked as a first for
satisfying advisor within main Australian banks (Barth and Rieckmann, 2012).
Commonwealth Bank frequently doing innovation to give best services to buyers
as well as concentrate on exceeding expectations of consumers and meet
buyers delight.
2. High quality as well as proper diversified credit portfolio: Organisation has used
a more conservative method along with that it has enter in Master Netting

Arrangements with their aides. It aid in managing Commonwealth Bank as well
as decline its risk of derivatives. It has also maintain diversified portfolio along
with more conservative with 58% of its receivables and loans in domestic
mortgages. W Stands for Weakness
1. Higher dependence on off borrowings: Commonwealth Bank Australian relies on
funding of wholesale. It is finish by issuance of offshore debt. It leaves bank on
risk, both cross currency volatility as well as market sentiment. Therefore,
Commonwealth Bank Australian had tried to decline this reliance after meltdown
in 2008 as well as risk is reduces of volatility of cross currency by problems of
significant risk, swaps still exists.
2. Limited geographical diversity: Commonwealth Bank Australian has first
concentrate its Australian operations as well as Chine and Zealand, Vietnam as
well as Indonesia. Bank absenteeism from American along with European
markets is a main area of weakness for CBA. O stands for Opportunity
1. Expanding into emerging markets: Commonwealth Bank Australian expand their
operations in emerging markets of Asian, mainly in China. It has open up a
expanding as well as vast markets for CBA along with that it is expected to bring
with lot of enterprise. In coming time, Free trade Agreement within Australian and
India is expected to be final as soon as possible, by raising its trade within two
nations as well as starting up opportunity in their banking domain (Bell, Chan and
Nel, 2014).
2. Indigenous Consumer Assistance Line: Commonwealth Bank Australian ICAL
gives services of banking to communities of Torres Strait Island as well as
Indigenous Aboriginal over mobile phones. T stands for Threats High Capital needs by APRS: Current announcements by Australian Chairman
prudential Regulations Authority as well as govern of Australian reserve bank
have indicated requirements for bank for raising capital.

 Phasing out of guarantees of government to banks: All the accounts are payable
by Commonwealth Bank are guaranteed by stake of government within the bank
of CBA. Debt and demand deposits of Commonwealth Bank are no more
guarantee by Bank of Commonwealth Australian. It cannot prove to be a main
threat of bank in economic delay.
Area where company can improve
The commonwealth bank of Australia is one of the multinational bank branch
with its business more than one country. The bank provide wide range of financial
service comprising business, retail, institutional banking, superannuation, management
of funds, investment, insurance ad broking services. Through bank functions various
operations and activities in the global trade, there are various operations and areas
where this is essential for them to improve their business processes and activities
(Commonwealth Bank's first climate policy attacked by environmental groups, 2017).
Here are enlisted some of the those major menace under: Service Delivery: Few time before, The Commonwealth Bank has faced some
systematic issues within the process of service delivery that has led the entire
business, worker and consumer to loss of dollars. Thus, such activities can lead
to downfall in consumer basis and divert potential buyers of company. Hence,
organisation need to improve their service delivery activities or procedure in
order to achieve their target through opting advanced and more suitable methods
and techniques (Brix and Lauridsen, 2012). Policy Restructuring: The Commonwealth Bank has to improve their policy and
guidelines of the enterprise as they are facing various issues due to lack of
flexibility or less modification within the working organisation. The new statement
of climate policy has been criticised by the environmental team. There are
various other HRM terms and employment issues that company has been
dealing with. In order to manage that, this is fundamental for enterprise to evolve
and restructure their company policy and terms. Operational Efficiency: Through the company has been observed as one of the
mots interim outcome providing company as per the experts, there are various
operational issues highlighted among operations of enterprise such as higher

labour costs, and turnover, capital generation, online pressure of margin etc.
which are the major issues to watch. This is fundamental for enterprise to
improve the issues linked with basic operations and activities in regard of
achieving their business objectives. Thus, it can affirm that this notion require
development and modification for proper functioning.
 Technological Modifications: The Commonwealth Bank of Australia is
developing and operating their business functions using more advanced
technologies and techniques. There are still some certain division in which this is
fundamental for enterprise to involve and improve digital technologies within their
enterprise for more productivity. In order to this, company is working over the
artificial intelligence technology in regard of assisting with fraud detection, cyber
security and regulatory compliance etc. This is the field where it is required for
company to develop and engage more high tech to emphasise their productivity
in signifiant manner (Burnard, and Bhamra, 2011).
Hence, through improving and altering the above discussed factors, bank can
easily improve and manage their organisational structure and processes. This can not
only provide them more productivity and better performance but also can assist in
increasing overall revenues and sales.
Organisational development interventions and problems that can be faced by
organisation
Behavioural intervention
Behaviour interventions includes various steps through which manager of
Commonwealth Bank can take actions through which problems can be solved of staff
members which is related to their behaviour. This consider various stages, first
management identifies the issue and then takes initiatives in order to resolve issues of
employees.
Individual Behavioural intervention:
Employee Empowerment: This can be considered as an ongoing process
where opportunities should be given to an individual by providing proper tools
techniques, training in a proper manner. In Commonwealth Bank, career of an individual

can be developed if administration of firm will rapidly give training according to
requirements.
Goal Setting: This involves any sort of action plan through which firm can
achieve desired goals in an effective way. Motivating and guiding is considered as main
task here through which an individual can hit his/her own targets in short period of time.
Issue: If proper training and motivation has not been given to an employee right
on time it may be possible that his/her productivity may get reduce. Therefore, it is must
for Commonwealth Bank's managers to look into areas through which they can keep up
the interest of an individual which may aid in making them much more effective.
Team behavioural intervention:
Team building: In financial institutes it is must to have talented team that can
resolve complex problems. Management of Commonwealth Bank can make effective
teams by selecting staff members who are rapidly hitting their own targets in takes
initiatives in order to enhance their productivity at workplace (Eason, 2014).
Quality Control: Research actions can be taken by an organisation in order to
locate what exactly consumers or clients are looking for and given them services
according to their requirements. Commonwealth Bank believes in delivering satisfactory
services to its clients with high security policies so that they keep on using services
which are being given by this bank for a longer period of time.
Issue: Communication gap among employer and employee can be considered as
a problem in Commonwealth Bank. Therefore, it is must for managers to locate all
issues and reduce them to zero so that it won't hamper reputation of the Bank.
Structural development intervention
In this context, it has been examined that there are various things involves that
may gets involves like structure, technology and desired goals and procedures to hit
them. Mainly it aims on job design, hierarchy of labour or workers, arranging tools.
Individual Structural intervention:
Job enrichment: In Commonwealth bank, if an individual has not given task
according to the capability, it is may be possible that employee may get demotivated.
Therefore, redesigning jobs from time to time is must at workplace.

Stress management: Proper training to employees on areas it is needed may
aid in hitting their own targets in much more effective ways.
Issue: Proper examination has not been done by HR department of an
individuals qualification may become a problem through which it Commonwealth Bank
can face issues while hitting their targets.
Team Structural intervention:
Role negotiation: Commonwealth Bank, has given many opportunities to every
single individual to work as a team as this becomes much effective. But, it is required for
them to locate all their own capability and their roles which may aid them in various
extents.
Self managed work teams: This type of team is being considered as in
employee through which targets may get attain by their own where they do not take
suggestions from others and works with self esteems.
Issue: Conflicts can get arose and reputation of managers will get reduce if
employees will start taking decisions by their own (Francis, Holbeche and Reddington,
2012).
Technological development intervention
Technology plays an important part in an organisation, therefore it is must for
Commonwealth Bank to keep on bringing new and updated tools and techniques that
are related to technology to better to serve to consumers.
Individual Technological intervention:
Job design: HR department of Commonwealth Bank should locate areas in
which they can use updated technology. Specification of contents, methods and
relationship of jobs considers as some main elements under this context.
Employee empowerment: Using updated technology while giving training to an
individual may aid improvising skills and knowledge.
Issue: Updates in technology may bring risk with it which may hamper situation if
proper training has not been given to an individual.
Team Technological intervention:
Virtual Team: Commonwealth Bank has ample number of offices. Therefore, it is
must for them to formulate teams in order to achieve a common goal.

Quality control: Various software may aid Commonwealth Bank in locating
areas in which they need improvement.
Issue: Making a research in an appropriate manner can be a problem while
locating proper tools in order to enhance effectiveness of employees.
Solving problems in effective ways
It has been examined that there are ample number of problems which can be
faced by Commonwealth Bank. Therefore, locating areas in which improvement is much
necessary may aid bank in enhancing productivity, profitability and reputation in front of
world. Policies should be given to consumers through for making them comfortable
while working (Jabar, Soosay and Santa, 2011).
Recommendation
The Commonwealth Bank is one of the great bank branch of Australia which is
operating its business in global market effectively. But this is necessary for organisation
to understand the major issues and resolve them within certain period of time in regard
of sustaining and expanding business more and more. As the company need
intervention for specific division and structure of enterprise such as quality
management, human resource management activities etc. The enterprise should
properly perform performance management, design HRM activities, execute operations
and practices along with make modification associated with structure, technologies and
other activities. Also, they need to maintain personnel management, proper
investigation for applicants skills and qualification along with provide proper training and
induction program to worker for empowerment and encouragement of worker.
Conclusion
As per above report it is concluded that introducing about the commonwealth
Australia and also learn about the strength, weakness, opportunity and threats of the
organisation. Area where Commonwealth Australia can improves are Service Delivery
Policy, Restructuring, Operational Efficiency and Technological Modifications as well.
Also discussed about Structural development intervention as well as solve the problems
in a very effective manner so that company can satisfy their customer with their

products as well as services. Recommendation are also given for the organisation so it
can improve in a better way.

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Online
Commonwealth Bank's first climate policy attacked by environmental groups. 2017.
[Online]. Available
through:<https://www.theguardian.com/australia-news/2017/aug/14/commonwe
alth-banks-first-climate-policy-attacked-by-environmental-groups>.