2015
AUSTRALIA AND NEW ZEALAND BANKING GROUP

17 February 2015

Information Pack
ANZ Basel III Pillar 3 Disclosure &3 Months Trading Update to 31 December 2014

Risk Weighted Assets as at Dec 2014
Total Risk Weighted Assets
Quarterly movement

Credit Risk Weighted Assets
Quarterly movement

$b$b
21.4

0.9(4.1)

378.9
(0.8)

2.4

8.2(2.1)

12.9
361.5

FX has a broadly
neutral impact on CET1
ratio given offsetting
FCTR movement.

308.9“Organic” businessgrowth of $9.5b.
One off, Non recurring
and FX impacts $11.9b.

+4%

+5%

Sep-14

CRWAOp Risk

IRRBB

330.3

+7%
Mkt Risk Dec-14

Sep-14GrowthFX
impactData/Meth.

Risk

Dec-142

Credit Quality – continued portfolio improvement in 1Q15
Net Impaired Assets

Individual Provision charge

$m

100%

5,000

4,685

534

4,500

4,069
4,000

90%

513

80%

3,884

70%

3,423

3,500
3,000

60%

2,797

294 293 285

2,500
2,000

1,713

1,500

50%

226
1,584

157
105

1,000

125

40%

30%
20%
10%

500
00%
Sep 09 Sep 10 Sep 11 Sep 12 Sep 13 Sep 14 Dec 14
AustraliaIIBNew Zealand
Other

1Q07 1Q08 1Q09 1Q10 1Q11 1Q12 1Q13 1Q14 1Q15
1Q IP charge ($m)
1Q IP charge as a % of full year IP charge (RHS)

3

Capital movements
APRA CET1Quarterly movement

APRA Basel 3 Common Equity Tier 1 Ratio
Past 4 quarter movements:• Cash NPAT:• Dividends:• RWA & non RWA business use:
• Other:

+0.5%
+2.0%
- 1.2%- 0.4%
+0.1%

%
8.79

0.49
(0.18)(0.10)

8.35(0.64)(0.01)

9%
8%
7%

8.2
7.7

8.5
8.0

7.9

8.3

8.8
8.3

Sep 146%
5%

Cash 1NPATRWA
Non RWA Dividends
Usage 2 Business
Usage 3

OtherDec 14

Capital reconciliation under Basel 3(December 2014)

4%
3%
2%

1%0%
Dec
-12Mar-13

Jun-13

Sep-13

Dec-13Mar-14Jun-14

Sep-14Dec-14

CET1 (Quarters in which dividend payments are deducted)
CET1 (Quarters in which no dividend payments are deducted)
1.
2.
3.

Half year dividenddeducted December
2014 quarter

8.4

Cash earnings net of preference share dividends
Includes impact of expected loss versus eligible provision shortfall
Includes capital retention of deconsolidated entities, capitalised softwareand other intangibles

APRA
10%/15% allowance fore equity
investments and DTA
Mortgage 20% LGD floor
IRRBB RWA (APRA Pillar 1approach)Specialised Lending (AdvancedTreatment)
Corporate undrawn EAD andunsecured LGD adjustments
Other capital items
Internationally Comparable

CET1

Tier 1

Total
Capital

8.4%

9.9%

11.8%

0.9%

0.9%

0.8%

0.3%

0.4%

0.5%

0.2%

0.3%

0.3%

0.3%

0.4%

0.4%

1.4%

1.5%

1.8%

0.4%
11.9%

0.4%
13.8%

0.5%
16.1%4

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 and does not purport to becomplete. It is not intended to be relied upon as advice to investors or potential investors and does nottake 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 isappropriateThis presentation may contain forward-looking statements including statements regarding our intent,
belief or current expectations with respect to ANZ’s business and operations, market conditions, resultsof operations and financial condition, capital adequacy, specific provisions and risk management
practices. When used in this presentation, the words “estimate”, “project”, “intend”, “anticipate”,“believe”, “expect”, “should” and similar expressions, as they relate to ANZ and its management, areintended to identify forward-looking statements. Readers are cautioned not to place undue reliance onthese forward-looking statements, which speak only as of the date hereof. Such statements constitute“forward-looking statements” for the purposes of the United States Private Securities Litigation ReformAct of 1995. ANZ does not undertake any obligation to publicly release the result of any revisions tothese forward-looking statements to reflect events or circumstances after the date hereof to reflect theoccurrence of unanticipated events.
For further information visit

www.anz.com
or contact ANZ Investor Relations
Jill Craig
Group General Manager Investor Relations

ph: (613) 8654 7749 fax: (613) 8654 9977

e-mail: jill.craig@anz.com