Australia and New Zealand Banking : ANZ 2019 Full Year Results Investor Discussion Pack

2019 FULL YEAR RESULTS

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FULL YEAR ENDED 30 SEPTEMBER 2019

R E S U LT S P R E S E N TAT I O N & I N V E S T O R D I S C U S S I O N PA C K

CONTENTS

2019 FULL YEAR RESULTS

CEO and CFO Results Presentations	2
CEO Presentation	2
CFO Presentation	16
Group & Divisional Financial Performance	35
Group including impact of large / notable items	36
Australia Retail & Commercial	48
Institutional	53
New Zealand Division	60
Wealth Australia	65
Treasury	67
Risk Management	78
Housing Portfolio	91
Royal Commission update & Regulatory reforms	107
Corporate Overview and Sustainability	110

All figures within this investor discussion pack are presented on Cash Profit (Continuing operations) basis in Australian Dollars unless otherwise noted. In arriving at Cash Profit, Statutory Profit has been adjusted to exclude non-core items, further information is set out on page 77-81 of the 2019 Full Year Consolidated Financial Report.

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2019 FULL YEAR RESULTS

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SHAYNE ELLIOT T

CHIEF EXECUTIVE OFFICER

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FINANCIAL SNAPSHOT

				FY19	FY19 v FY18
Statutory Profit ($m)			5,953	-7%
Cash Profit (continuing operations)1 ($m)	6,470	0%
Return on Equity			10.9%	-10bps
Earnings Per Share (cents)			228	+2%
Dividend Per Share (cents)			160	flat
Franking (FY19 avg)			85%	-15%
CET1 Ratio (APRA)			11.4%	stable
Total Capital (CET1) ($m)			47,355	+6%
Net Tangible Assets Per Share ($)			19.59	+6%
Shares on issue (end of period #m)		2,835	-1%
Risk Weighted Assets ($b)			417	+7%
•	Solid result in a	•	Disciplined approach to	•	Capital management driving
	challenging environment		balance sheet growth		real benefits to shareholders
1.	Includes the impact of large / notable items

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BALANCE SHEET STRENGTH

CAPITAL & CREDIT QUALITY

CET1 RATIO (LEVEL 2)	NET ORGANIC CAPITAL	NTA PER SHARE	CREDIT QUALITY
		GENERATION
%		bps			$			IEL2 bps
								18.47	19.59
11.4	11.5	229			17.13	17.66	35
10.6							32
9.6		179	182					27
						26
				165
				158

Sep-	Sep-	Sep- Sep-19	FY16 FY17 FY18 FY19	Sep-	Sep-	Sep-	Sep-
16	17	18	Pro-		Full Yr. Avg. FY12-FY18	16	17	18	19
			Forma1

1. Pro-Formaincludes benefits from P&I settlement of ~20bps, partially offset by reduction from AASB16 impacts (~7bps)
2. IEL = Internal Expected Loss, long run loss rate as a % of GLA

Sep- Sep- Sep- Sep-

16 17 18 19

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