The Commonwealth Bank of Australia's executive team was out in force to push the message that the year to 30 June has been one of "very pleasing growth", as chief executive Ian Narev put it.Narev also pointed to strong levels of customer satisfaction, with CBA ranked number one retail bank according to Roy Morgan Research and equal first for business banking by DBM. Another metric showed CBA was the main financial institution for about one-third of all Australians (33.1 per cent).However, despite the big bold numbers it remained the ongoing scandal at CBA's financial advising businesses that took some of Narev's oxygen.This was despite his insistence that independent advisers had been engaged and the process was likely to run for months. He was reluctant to commit to ensuring no further examples of bad behaviour emerged from the group's 52,000 strong workforce.Australia's biggest lender reported a net profit of A$8.63 billion for the year to June - an increase of 13 per cent over the previous corresponding period and an increase of five per cent over the December half. On a cash basis, the bank reported a profit of $8.68 billion - an increase of 12 per cent over the previous corresponding period.Income: Net interest income was up eight per cent over the previous corresponding period to $15.1 billion. Other banking income was up four per cent to $4.3 billion. Funds management income was up six per cent to $1.9 billion. Insurance income was up 11 per cent to $819 million. Total operating income was up seven per cent to $22.2 billion. Half-on-half, operating income was flat, although the bank said that on an underlying basis it was up three per cent.Expenses and cost-to-income: Operating expenses rose five per cent over the previous corresponding period to $9.5 billion. Operating expenses as a proportion of total operating income fell 70 basis points from 43.6 per cent in 2012/13 to 42.9 per cent in the year to June. The bank's biggest division, retail banking services, reported a cost-to-income ratio of 35 per cent.Impairment charges and credit quality: The bank wrote off $953 million in loan impairment expenses in the year to June - down 12 per cent on the previous corresponding period. However, the impairment charge in the June half was up nine per cent on the December half. The bank said the second half increase was due to a small number of large increases in individual provisions in the business and private bank. Impaired consumer loans to gross loans rose from 17 bps to 18 bps, while impaired corporate loans to gross loans fell from 23 bps to 13 bps.Return on equity and assets: On a statutory basis, ROE rose 70 bps year-on-year to 18.7 per cent. On a cash basis, the ROE was up 50 bps to 18.7 per cent.Earnings per share: On a cash basis, EPS rose 11 per cent to $5.36 a share.Dividends: The bank will pay a dividend of $2.18 per share, fully franked, from second half earnings.