Commonwealth Bank chief executive Matt Comyn is continuing to bet the Reserve Bank will cut interest rates in November.
That's despite last week's comments from RBA governor Michele Bullock that rates look like stayng on hold until the end of the year.
Mr Comyn was backing his economics team as he delivered a six percent fall in full year profit to $9.48 billion while acknowledging some borrowers are struggling to meet their repayments.
Matt comyn spoke with the ABC's Peter Ryan.