Cash flow ANZ Group Holdings Limited

Equities

ANZ

AU000000ANZ3

Banks

Delayed Australian S.E. Other stock markets 08:10:55 2026-04-14 pm EDT			5-day change	1st Jan Change
38.28 ^AUD	-0.47%		+2.84%	+5.45%

Apr. 13	Australian Banks Take 'Decisive Action' to Disrupt Transactions Supporting Illicit Tobacco Trade, Austrac Says	MT
Apr. 09	Australian Banks Poised for Mixed Earnings, National Australia Bank Takes an Edge, Says Jefferies	MT

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Published financial data: ANZ GROUP HOLDINGS LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: September	2021	2022	2023	2024	2025
Interest Income On Loans	18.19B	21.74B	44.28B	51.14B	53.08B
Interest Income On Investments	1.34B	1.87B	5.62B	9.5B	10.84B
Interest Income, Total	19.53B	23.61B	49.9B	60.64B	63.92B
Interest On Deposits	4.83B	8.02B	31.3B	41.4B	42.89B
Total Interest On Borrowings	538M	716M	2.02B	3.17B	3.07B
Interest Expense, Total	5.37B	8.74B	33.32B	44.57B	45.96B
Net Interest Income	14.16B	14.87B	16.58B	16.07B	17.96B
Gain (Loss) on Sale of Assets	-238M	-	-43M	-	15M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-21M	-285M
Income (Loss) on Equity Invest. (Income Block)	-176M	177M	221M	105M	76M
Total Other Non Interest Income	3.67B	4.38B	3.7B	4.39B	4.42B
Non Interest Income, Total	3.26B	4.55B	3.88B	4.48B	4.22B
Revenues Before Provison For Loan Losses	17.42B	19.43B	20.46B	20.55B	22.19B
Provision For Loan Losses	-567M	-232M	245M	406M	441M
Total Revenues	17.99B	19.66B	20.21B	20.14B	21.74B
Salaries And Other Employee Benefits	4.86B	5.3B	5.76B	6.04B	6.63B
Stock-Based Compensation (IS)	91M	-	-	141M	122M
Amort. of Goodwill & Intang. Assets	-	-	-	-	79M
Occupancy Expense	1.34B	1.3B	1.16B	1.16B	1.21B
Selling General & Admin Expenses, Total	2.08B	2.32B	2.42B	2.56B	3.1B
Total Other Non Interest Expense	484M	546M	623M	604M	960M
Non Interest Expense, Total	8.86B	9.46B	9.97B	10.51B	12.1B
EBT, Excl. Unusual Items	9.13B	10.2B	10.24B	9.64B	9.64B
Restructuring Charges	-127M	-101M	-169M	-235M	-772M
Total Merger & Related Restructuring Charges	-	-12M	-	-	-
Impairment of Goodwill	-	-	-	-	-78M
Asset Writedown	-	-	-	-	-71M
Legal Settlements	-69M	-10M	-	-	-
EBT, Incl. Unusual Items	8.94B	10.08B	10.08B	9.4B	8.72B
Income Tax Expense	2.76B	2.94B	2.95B	2.83B	2.79B
Earnings From Continuing Operations	6.18B	7.14B	7.13B	6.57B	5.93B
Earnings Of Discontinued Operations	-17M	-19M	-	-	-
Net Income to Company	6.16B	7.12B	7.13B	6.57B	5.93B
Minority Interest	-1M	-1M	-28M	-35M	-41M
Net Income - (IS)	6.16B	7.12B	7.1B	6.54B	5.89B
Net Income to Common Incl Extra Items	6.16B	7.12B	7.1B	6.54B	5.89B
Net Income to Common Excl. Extra Items	6.18B	7.14B	7.1B	6.54B	5.89B
Per Share Items
Net EPS - Basic	2.17	2.5	2.37	2.18	1.98
Basic EPS - Continuing Operations	2.18	2.51	2.37	2.18	1.98
Basic Weighted Average Shares Outstanding	2.84B	2.85B	3B	3B	2.97B
Net EPS - Diluted	2.05	2.33	2.27	2.15	1.96
Diluted EPS - Continuing Operations	2.05	2.34	2.27	2.15	1.96
Diluted Weighted Average Shares Outstanding	3.1B	3.14B	3.27B	3.23B	3.18B
Normalized Basic EPS	2.01	2.24	2.13	2	2.01
Normalized Diluted EPS	1.84	2.03	1.95	1.85	1.88
Dividend Per Share	1.42	1.46	1.62	1.66	1.66
Payout Ratio	45.99	53.15	61.71	79.88	77.63
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	30.84	29.17	29.27	30.11	31.99
Total Current Taxes	2.6B	2.67B	2.9B	3.1B	3.17B
Total Deferred Taxes	156M	274M	52M	-268M	-377M
Normalized Net Income	5.71B	6.38B	6.37B	5.99B	5.99B
Non-Cash Pension Expense	-	-	-	-	-
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	91M	-	-	141M	122M
Total Stock-Based Compensation	91M	-	-	141M	122M

Fiscal Period: September	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	134B	152B	136B	107B	98.78B
Investment Securities, Total	103B	104B	131B	186B	223B
Trading Asset Securities, Total	83.42B	125B	97.41B	100B	95.73B
Total investments	186B	230B	229B	286B	319B
Gross Loans	634B	677B	711B	808B	834B
Allowance For Loan Losses	-4.04B	-3.58B	-3.55B	-3.68B	-3.87B
Other Adjustments to Gross Loans	-434M	-518M	-515M	-515M	-641M
Net Loans	630B	672B	707B	803B	829B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	2.73B	2.43B	2.05B	2.22B	2.14B
Goodwill	3.09B	2.91B	3.06B	4.42B	4.16B
Other Intangibles, Total	1.04B	971M	1B	1.09B	1.6B
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	57M	46M	114M	46M	33M
Restricted Cash	671M	632M	646M	665M	541M
Other Current Assets, Total	16.7B	17.46B	17.91B	15.57B	33.22B
Deferred Tax Assets Long-Term (Collected)	2.34B	3.38B	3.34B	3.25B	3.29B
Other Long-Term Assets, Total	2.74B	3.61B	5.12B	5.38B	4.88B
Total Assets	979B	1,086B	1,106B	1,229B	1,297B
Liabilities
Accrued Expenses, Total	-	-	1.47B	2.06B	2.11B
Interest Bearing Deposits	668B	707B	739B	796B	844B
Non-Interest Bearing Deposits	49.75B	50.91B	42.91B	60.1B	61.34B
Total Deposits	717B	758B	782B	856B	906B
Short-Term Borrowings	61.72B	124B	90.59B	103B	93.35B
Current Portion of Long-Term Debt	22.62B	25.21B	21.75B	35.11B	43.08B
Current Portion of Leases	310M	291M	302M	328M	289M
Long-Term Debt	78.43B	68.53B	94.27B	121B	126B
Long-Term Leases	1.06B	822M	649M	784M	817M
Current Income Taxes Payable	419M	829M	305M	360M	537M
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	23.08B	30B	29.65B	28.79B	42.53B
Pension & Other Post Retirement Benefits	11M	6M	-	-	-
Deferred Tax Liability Non-Current	70M	83M	82M	78M	228M
Other Non Current Liabilities	10.09B	11.14B	14.91B	10.89B	10.49B
Total Liabilities	915B	1,019B	1,036B	1,158B	1,225B
Common Stock, Total	25.98B	28.8B	29.08B	28.18B	28.19B
Retained Earnings	36.45B	39.72B	42.18B	43.45B	44.49B
Comprehensive Income and Other	1.23B	-2.61B	-1.74B	-1.77B	-1.56B
Total Common Equity	63.66B	65.91B	69.52B	69.86B	71.13B
Minority Interest	11M	494M	522M	771M	739M
Total Equity	63.68B	66.4B	70.05B	70.63B	71.87B
Total Liabilities And Equity	979B	1,086B	1,106B	1,229B	1,297B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.82B	2.99B	3B	2.97B	2.98B
ECS Total Common Shares Outstanding	2.82B	2.99B	3B	2.97B	2.98B
Book Value / Share	22.58	22.07	23.17	23.49	23.87
Tangible Book Value	59.54B	62.03B	65.47B	64.35B	65.36B
Tangible Book Value Per Share	21.12	20.78	21.81	21.64	21.94
Tangible Book Value Per Share (As Reported)	21.09	20.75	21.78	21.6	21.91
Total Debt	164B	219B	208B	260B	264B
Deposits at Interest - Cash	150B	167B	167B	150B	154B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-202M	-193M	-172M	-152M	-184M
Net Debt	-70.54B	-74.32B	-58.01B	9.25B	12.79B
Equity Method Investments, Total	1.97B	2.18B	2.35B	1.44B	1.14B
Full Time Employees	39.68K	38.99K	40.34K	42.37K	42.7K
Number Of Offices	-	-	-	-	-

Fiscal Period: September	2021	2022	2023	2024	2025
Net Income	6.16B	7.12B	7.1B	6.54B	5.89B
Depreciation, Depletion & Amortization	651M	629M	597M	596M	586M
Amortization of Goodwill and Intangible Assets - (CF)	2M	4M	6M	6M	149M
Total Depreciation, Depletion & Amortization	653M	633M	603M	602M	735M
Amortization of Deferred Charges, Total	434M	375M	320M	324M	348M
(Gain) Loss On Sale of Asset - (CF)	227M	-260M	14M	21M	-
(Gain) Loss on Sale of Investments - (CF)	-6.35B	-4.43B	3.5B	3.24B	4.15B
Total Asset Writedown	-	-	-	-	149M
Provision for Credit Losses	-567M	-232M	245M	406M	441M
Stock-Based Compensation (CF)	-	-	-	-	-
Change in Trading Asset Securities	10M	8.02B	-23M	-3.2B	-20.74B
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-5.41B	-39.02B	-26.84B	-39.98B	-15.36B
Other Operating Activities	-236M	-908M	-38M	56M	88M
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-5.07B	-28.7B	-15.11B	-31.99B	-24.3B
Capital Expenditure	-	-	-	-	-
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-65M	-10M	-4.91B	-
Divestitures	13M	394M	558M	668M	-
Investment in Marketable and Equity Securities, Total	10.81B	-1.5B	-10.63B	-37.24B	-23.48B
Other Investing Activities, Total	-561M	-651M	-605M	-640M	-453M
Cash from Investing	10.26B	-1.82B	-10.69B	-42.12B	-23.94B
Long-Term Debt Issued, Total	12.62B	23.42B	44.18B	50.6B	45.94B
Total Debt Issued	12.62B	23.42B	44.18B	50.6B	45.94B
Long-Term Debt Repaid, Total	-28.04B	-26.24B	-24.29B	-25.68B	-38.91B
Total Debt Repaid	-28.04B	-26.24B	-24.29B	-25.68B	-38.91B
Issuance of Common Stock	-	3.5B	-	-	-
Repurchase of Common Stock	-733M	-963M	-21M	-1.01B	-417M
Issuance of Preferred Stock	-	492M	-	-	-
Common Dividends Paid	-2.83B	-3.78B	-4.38B	-5.22B	-4.57B
Common & Preferred Stock Dividends Paid	-2.83B	-3.78B	-4.38B	-5.22B	-4.57B
Net Increase (Decrease) in Deposit Accounts - (CF)	58.21B	50.1B	10.5B	40.93B	48.98B
Other Financing Activities, Total	-	-	-	220M	-
Cash from Financing	39.22B	46.53B	25.99B	59.85B	51.02B
Foreign Exchange Rate Adjustments	-1.07B	858M	-165M	-2.92B	1.46B
Net Change in Cash	43.34B	16.87B	22M	-17.19B	4.24B
Supplemental Items
Cash Interest Paid	865B	798B	1,272B	1,036B	814B
Cash Income Tax Paid (Refund)	2.43B	2.17B	3.5B	2.92B	3.08B
Net Debt Issued / Repaid	-15.42B	-2.81B	19.89B	24.93B	7.03B

Fiscal Period: September	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.61	0.69	0.65	0.56	0.47
Return On Equity %	9.89	10.98	10.44	9.34	8.33
Return on Common Equity	9.89	11.02	10.48	9.38	8.36
Shareholders Value Added	-1.25B	-581M	-916M	-1.67B	-1.94B
Margin Analysis
SG&A Margin	46.03	45.32	46.24	48.46	50.32
Net Interest Income / Total Revenues %	78.73	75.66	82.03	79.78	82.6
EBT Excl. Non-Recurring Items Margin %	50.77	51.9	50.68	47.84	44.35
Income From Continuing Operations Margin %	34.36	36.32	35.25	32.62	27.28
Net Income Margin %	34.26	36.21	35.11	32.45	27.09
Net Avail. For Common Margin %	34.35	36.31	35.11	32.45	27.09
Normalized Net Income Margin	31.73	32.43	31.54	29.72	27.53
Asset quality
Nonperforming Loans / Total Loans %	0.31	0.21	0.21	0.21	0.3
Nonperforming Loans / Total Assets %	0.2	0.13	0.14	0.14	0.2
Nonperforming Assets / Total Assets %	0.2	0.13	0.14	0.14	0.2
NPAs / Loans and OREO	0.31	0.21	0.21	0.21	0.3
NPAs / Equity	3.09	2.18	2.17	2.4	3.53
Allowance for Credit Losses / Net Charge-offs %	911.04	1.63K	1.47K	2.05K	1.79K
Allowance for Credit Losses / Nonperforming Loans %	205.85	247.89	233.14	217.07	152.64
Allowance for Credit Losses / Total Loans %	0.64	0.53	0.5	0.46	0.46
Provision for Loan Losses / Net Charge-offs %	-127.7	-105.45	101.24	226.82	203.23
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.18	6.28	6.18	5.97	5.58
Total Average Equity / Total Average Assets %	6.18	6.3	6.23	6.02	5.64
Total Equity + Allowance for Loan Losses / Total Loans %	10.68	10.27	10.28	9.11	8.99
Gross Loans / Total Deposits %	88.41	89.24	90.98	94.35	92.09
Net Loans / Total Deposits %	87.78	88.7	90.46	93.86	91.59
Tier 1 Capital Ratio %	14.3	14	15.2	14	13.6
Total Capital Ratio %	18.4	18.2	21	20.6	21
Core Tier 1 Capital Ratio	12.3	12.3	13.3	12.2	12
Tier 2 Capital Ratio	4.1	4.2	5.8	6.5	7.4
Coverage Ratio	205.85	247.89	233.14	217.07	152.64
Interbank Ratio	20.41	15.44	34.26	44.77	50.47
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	17.61	15.08	5.99	3.97	3.84
EBT + Interest Expense / Interest Expense	2.66	2.15	1.3	1.21	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.8	5.03	11.48	-3.05	11.77
Non Interest Income, 1 Yr. Growth %	-9.17	39.67	-14.81	14.91	-5.65
Provision For Loan Losses, 1 Yr. Growth %	-120.71	-59.08	-205.6	65.71	8.62
Total Revenues, 1 Yr. Growth %	20.73	9.29	2.83	-0.42	7.96
Earnings From Cont. Operations, 1 Yr. Growth %	68.12	15.52	-0.18	-7.91	-9.71
Net Income, 1 Yr. Growth %	72.27	15.53	-0.3	-8.04	-9.85
Normalized Net Income, 1 Yr. Growth %	53.47	11.72	0.2	-6.19	-0.56
Diluted EPS Before Extra, 1 Yr. Growth %	69.66	14.78	-2.83	-5.44	-8.64
Dividend Per Share, 1 Yr. Growth %	136.67	2.82	10.96	2.47	0
Gross Loans, 1 Yr. Growth %	1.87	6.67	5.11	13.57	3.27
Allowance For Loan Losses, 1 Yr. Growth %	-18.79	-11.45	-1.01	3.64	5.41
Net Loans, 1 Yr. Growth %	2.05	6.78	5.15	13.63	3.25
Non Performing Loans, 1 Yr. Growth %	-20.09	-26.46	5.26	11.31	49.91
Non Performing Assets, 1 Yr. Growth %	-20.09	-26.46	5.26	11.31	49.91
Total Assets, 1 Yr. Growth %	-6.09	10.92	1.83	11.17	5.53
Total Deposits, 1 Yr Growth %	6.56	5.67	3.11	9.51	5.8
Tangible Book Value, 1 Yr. Growth %	4.63	4.18	5.54	-1.67	1.58
Average Interest Earning Assets, 1 Yr. Growth %	0.09	5.37	7.15	4.98	13.29
Common Equity, 1 Yr. Growth %	3.88	3.52	5.49	0.52	1.82
Total Equity, 1 Yr. Growth %	3.88	4.28	5.49	0.87	1.75
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.62	2.89	8.21	3.94	4.1
Non Interest Income, 2 Yr. CAGR %	-14.38	12.64	9.08	-0.82	4.12
Provision For Loan Losses, 2 Yr. CAGR %	-15.5	-70.89	-34.27	32.29	34.16
Total Revenues, 2 Yr. CAGR %	-0.01	14.87	6.01	1.22	3.69
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.04	39.36	7.38	-4.07	-8.81
Net Income, 2 Yr. CAGR %	1.74	41.08	7.33	-4.19	-8.95
Normalized Net Income, 2 Yr. CAGR %	0.87	30.94	5.69	-2.99	-3.15
Diluted EPS Before Extra, 2 Yr. CAGR %	-1.79	38.96	5.61	-4.09	-7.05
Dividend Per Share, 2 Yr. CAGR %	-5.79	55.99	6.81	6.63	1.23
Gross Loans, 2 Yr. CAGR %	1.21	4.24	5.89	9.26	8.3
Allowance For Loan Losses, 2 Yr. CAGR %	7.37	-15.2	-6.37	1.29	4.52
Net Loans, 2 Yr. CAGR %	1.17	4.39	5.96	9.31	8.31
Non Performing Loans, 2 Yr. CAGR %	-1.59	-23.34	-12.02	8.24	29.18
Non Performing Assets, 2 Yr. CAGR %	-1.59	-23.34	-12.02	8.24	29.18
Total Assets, 2 Yr. CAGR %	-0.12	2.06	6.28	6.4	8.31
Total Deposits, 2 Yr CAGR %	7.06	6.12	4.38	6.26	7.64
Tangible Book Value, 2 Yr. CAGR %	3.18	4.4	4.86	1.85	-0.06
Average Interest Earning Assets, 2 Yr. CAGR %	3.06	2.7	6.25	6.06	9.06
Common Equity, 2 Yr. CAGR %	2.34	3.7	4.5	2.95	1.17
Total Equity, 2 Yr. CAGR %	2.34	4.08	4.88	3.13	1.31
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.82	1.23	5.68	4.3	6.49
Non Interest Income, 3 Yr. CAGR %	-15.85	0.79	2.62	11.17	-2.45
Provision For Loan Losses, 3 Yr. CAGR %	-6.24	-33.64	-55.27	-10.54	23.88
Total Revenues, 3 Yr. CAGR %	-2.31	3	10.7	3.84	3.42
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.57	4.19	24.69	2.06	-5.99
Net Income, 3 Yr. CAGR %	-1.26	6.14	25.66	1.98	-6.12
Normalized Net Income, 3 Yr. CAGR %	-4.09	4.37	19.68	1.61	-2.01
Diluted EPS Before Extra, 3 Yr. CAGR %	-4.27	3.15	23.34	1.82	-5.63
Dividend Per Share, 3 Yr. CAGR %	-3.9	-3.01	39.25	5.34	4.37
Gross Loans, 3 Yr. CAGR %	1.61	3	4.53	8.39	7.22
Allowance For Loan Losses, 3 Yr. CAGR %	-	0.69	-10.71	-3.15	2.65
Net Loans, 3 Yr. CAGR %	1.37	3	4.64	8.46	7.25
Non Performing Loans, 3 Yr. CAGR %	-2.79	-10.7	-14.8	-4.85	20.65
Non Performing Assets, 3 Yr. CAGR %	-2.79	-10.7	-14.8	-4.85	20.65
Total Assets, 3 Yr. CAGR %	1.25	3.43	1.99	7.88	6.11
Total Deposits, 3 Yr CAGR %	5.09	6.6	5.1	6.06	6.11
Tangible Book Value, 3 Yr. CAGR %	3.1	3.52	4.78	2.62	1.76
Average Interest Earning Assets, 3 Yr. CAGR %	3.68	3.82	4.16	5.83	8.42
Common Equity, 3 Yr. CAGR %	2.42	2.73	4.29	3.14	2.57
Total Equity, 3 Yr. CAGR %	2.34	2.98	4.55	3.51	2.67
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.27	-0	2.7	2.3	5.04
Non Interest Income, 5 Yr. CAGR %	-9.78	0.13	-6.65	0.14	3.32
Provision For Loan Losses, 5 Yr. CAGR %	-21.72	-27.99	-18.66	-12.55	-30.59
Total Revenues, 5 Yr. CAGR %	-0.69	1.55	0.93	2.28	7.86
Earnings From Cont. Operations, 5 Yr. CAGR %	1.56	2.34	0.04	0.81	10.04
Net Income, 5 Yr. CAGR %	1.54	2.13	2.09	1.88	10.49
Normalized Net Income, 5 Yr. CAGR %	0.3	1.93	-0.29	1.32	9.99
Diluted EPS Before Extra, 5 Yr. CAGR %	1.65	2.28	-0.61	0.19	10.17
Dividend Per Share, 5 Yr. CAGR %	-2.36	-1.81	0.25	0.74	22.57
Gross Loans, 5 Yr. CAGR %	1.8	3.33	3.3	5.46	6.02
Allowance For Loan Losses, 5 Yr. CAGR %	-0.67	-	-	0.93	-4.9
Net Loans, 5 Yr. CAGR %	1.82	3.2	3.18	5.48	6.09
Non Performing Loans, 5 Yr. CAGR %	-5.78	-7.36	-6.59	-3.56	0.63
Non Performing Assets, 5 Yr. CAGR %	-5.78	-7.36	-6.59	-3.56	0.63
Total Assets, 5 Yr. CAGR %	1.36	3.89	3.23	4.61	4.47
Total Deposits, 5 Yr CAGR %	4.8	4.94	4.8	6.46	6.11
Tangible Book Value, 5 Yr. CAGR %	3.49	3.59	3.8	2.85	2.81
Average Interest Earning Assets, 5 Yr. CAGR %	3.4	4	4.7	4.71	6.09
Common Equity, 5 Yr. CAGR %	1.95	2.25	3.24	2.82	3.02
Total Equity, 5 Yr. CAGR %	1.91	2.37	3.35	3.04	3.23