2017

AUSTRALIA AND NEW ZEALAND
BANKING GROUP LIMITED
17 FEBRUARY 2017

T R A D I N G U P D AT E & P I L L A R 3I N F O R M AT I O N S U P P O R T PA C K

To be read in conjunction with ANZ Trading Update – 3 months to 31 December 2016and ANZ December 2016 APS330, Pillar 3 disclosure

RISK WEIGHTED ASSETSTOTAL RISK WEIGHTED ASSETS (RWAs)$b387
1433340

Mar 15402
1438388
16409
18412
17393938350

Sep 15Market & IRRBB RWAs352334

Mar 16

Sep-16Op-Risk RWAs

CREDIT RWAs
$b1.3

84

Residential Mortgage

2122225455

28

24

140

150

140

131

133

Mar-15

Sep-15Mar-16

Sep-16

Dec-16

Specialised Lending
Retail (QRR & Other)
Bank & Sovereign
Corporate

CREDIT RWA & EAD MOVEMENT
355.7

Credit RWA

EAD

15.2
Increase largely driven by bank /sovereign EAD growth (for liquiditypurposes) with low RWA’s

Includes ~$3b reduction in loan
products, partly offset by growthin Markets

1.9
Aus Div, NZ
Div, Other

9.9

5.3

0.4
Institutional

57863241433538$b (FX adjusted)FX impact

Standardised / Other

31390.9

CRWA Sep 1641353948334

Credit RWAs

$b3.340363948

CREDIT RWA MOVEMENT

352.0356350356

Dec-16352340

0.8 0.40.1 0.4

CRWA Dec 16-0.9
Total

Financial information provided in AUD and on a cash basis unless otherwise stated

Aus HL

Aus Non HLNZInstitutional-1.5-0.8

Other2

CREDIT QUALITYGROSS IMPAIRED ASSETSTOTAL PROVISION CHARGE

$m

$m

1,956

5,000
4,264

4,000
3,000

3,230

3,173

2,889

1,197

989

1,205

2,719

1,939

2,0001,167

1,1441,110283

1,0000
Sep-13
Other

Sep-14
Institutional

Sep-15

Sep-16NZ

Australia

Dec-16

FY1417325-42

FY15

FY161Q17

Collective Provision% of total

524

500

446

29%

25%

20%

22%

31%

29%

27%

23%

23%

21%

30%

29%

20%

16%19%

2015

2016

Avg 2013-2016

32%

4Q

400
300

FY1395IP CHARGE COMPOSTION BY QUARTERS(1H13 to 2H16 are quarterly average (Q/avg))

600

-155

Individual Provision

INDIVIDUAL PROVISION (IP) CHARGE$m30297286301327271

325

228

26%20010025%0
1H13 2H13 1H14 2H14 1H15 2H15 1H16 2H16 1Q17
Q/avg Q/avg Q/avg Q/avg Q/avg Q/avg Q/avg Q/avg
ConsumerCommercialInstitutional

2013

3Q
2Q

39%
14%
2014

1QOswal Settlement

Financial information provided in AUD and on a cash basis unless otherwise stated3

S U M M A RY O F A S S E T D I S P O S A L S
OCTOBER 2016 – JANUARY 2017
TRANSACTION SUMMARY(based on previously disclosed information in news releases of 31 October 2016, 3 January 2017 and 11 January 2017)
AssetSigning date

Expected completion

Sale priceNet gain / (Loss) on sale (aftercosts)

CET1 impact(APRA basis)

Retail & Wealthbusinesses in 5 Asiancountries

30 October 2016

2H17: 3 countries
1H18: 2 countries~$110m(premium to net tangibleassets)~$265m loss
(higher in 1H17 offset back to~$265m in subsequent periods)~15 to ~20bp

SRCB 20% stake

31 December 2016

Mid 2017$1,838m(total consideration)

No material impact(Revaluation impact largely offset
by release of reserves)1~40bp

UDC Finance

11 January 2017

Late second half 2017
calendar year

~NZ$235m(Premium to net assets)~A$100m~10bp

CONTRIBUTION TO ANZ FY2016 FINANCIAL PERFORMANCE (Excluding gain / (Loss) on sale)2, 3
Asset

Lending Assets

Credit RWAsDeposits

2016 Profit Before Provisions(pa)

2016 Cash Profit After
Tax (pa)

Retail & Wealthbusinesses in 5 Asiancountries~$11b (GLAs)~$7b~$17b~$225m~$50m---~260m~$260m~NZ$2.6b~NZ$2.2b4~NZ$1.6b

NZ$89m

NZ$59mSRCB 20% stake
UDC Finance

1. Subject to timing differences
2. Disposal of assets will progressively impact 2017 and subsequent period financial statements as completion dates are finalised and business is transitioned from ANZ (progressively in the caseof the retail and wealth businesses in 5 Asian countries)
3. 2017 Half Year financial information scheduled for release 2 May 2017
4. APRA basis
Financial information provided in AUD and on a cash basis unless otherwise stated4

Further Information
DISCLAIMER & IMPORTANT NOTICE: The material in this presentation is general background information
about the Bank’s activities current at the date of the presentation. It is information given in summary form anddoes not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors
and does not take into account the investment objectives, financial situation or needs of any particular investor.
These should be considered, with or without professional advice when deciding if an investment is appropriate

Our Shareholder information

This presentation may contain forward-looking statements including statements regarding our intent, belief orcurrent expectations with respect to ANZ’s business and operations, market conditions, results of operations
and financial condition, capital adequacy, specific provisions and risk management practices. When used in thispresentation, the words “estimate”, “project”, “intend”, “anticipate”, “believe”, “expect”, “should” and similar
expressions, as they relate to ANZ and its management, are intended to identify forward-looking statements.
Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as ofthe date hereof. Such statements constitute “forward-looking statements” for the purposes of the United States
Private Securities Litigation Reform Act of 1995. ANZ does not undertake any obligation to publicly release theresult of any revisions to these forward-looking statements to reflect events or circumstances after the datehereof to reflect the occurrence of unanticipated events.

shareholder.anz.com

Equity Investor

Jill Campbell

Cameron Davis

Katherine Hird

Group General Manager Investor Relations+61 3 8654 7749
+61 412 047 448
jill.campbell@anz.com

Executive Manager Investor Relations+61 3 8654 7716
+61 421 613 819
cameron.davis@anz.com

Senior Manager Investor Relations+61 3 8655 3261
+61 435 965 899
katherine.hird@anz.com

Retail Investors

Debt Investors

Michelle Weerakoon

Scott Gifford

Donna Chow

Manager Shareholder Services & Events+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com

Head of Debt Investor Relations+61 3 8655 5683
+61 4 434 076 876
Scott.Gifford@anz.com

Associate Director, Debt Investor Relations+61 3 8655 1402
donna.chow@anz.com