Overview

How wecreate value

Performanceoverview

Remuneration
overview

Shareholder
information59

OUR PERFORMANCE (continued)

FIVE YEAR SUMMARY
2022
$m

2021
$m

2020
$m

2019
$m

2018
$m

Financial performance - cash1
Net interest income
Other operating income
Operating expenses

14,874
3,673(9,579)14,161
3,286(9,051)

14,0493,703(9,383)

14,3394,690(9,071)

14,514
4,853(9,401)

Profit before credit impairment and income tax
Credit impairment charge
Income tax expense
Non-controlling interests

8,968232(2,684)
(1)

8,396
567(2,764)
(1)

8,369
(2,738)(1,872)
(1)

9,958
(795)
(2,678)
(15)

9,966
(688)
(2,775)(16)

Cash profit from continuing operations1
Cash profit/(loss) from discontinued operations1

6,515
(19)

6,198
(17)

3,758
(98)

6,470
(309)

6,487
(682)

Cash profit1
Adjustments to arrive at statutory profit1

6,496
623

6,181
(19)

3,660
(83)

6,161
(208)

5,805
595

Profit attributable to shareholders of the Company

7,119

6,162

3,577

5,953

6,400

1,085,729
66,401
12.3%
19.2%

978,857
63,67612.3%
18.3%

1,042,286
61,29711.3%
16.7%

981,137
60,794
11.4%
16.4%

943,182
59,405
11.4%
16.8%

11.4%
0.7%
52.0%

9.9%
0.6%
52.2%

5.9%
0.3%
53.8%

10.0%
0.6%
49.5%

10.9%
0.7%
52.0%

-14.0%

70.7%-36.9%

9.2%

0.6%

68,170
146
100%
100%
$28.98$20.95$22.8079,483
142
100%
100%
$29.64$16.97$28.1548,83960
100%
100%$28.67$14.10$17.2280,842
160
100%
70%$29.30$22.98$28.5280,979
160
100%
100%
$30.80$26.08$28.18250.0
59.3%$20.75
2,990

215.3
65.3%
$21.09
2,824

125.3
47.6%
$20.04
2,840

208.2
76.2%
$19.59
2,835

219.7
72.1%
$18.472,874$25.52-$27.91$27.68$18.06$22.19$27.79$25.03$27.76$26.0339,196
541,788

40,221
534,166

38,579553,171

39,060506,847

39,924509,238

Financial position
AssetsNet assets
Common Equity Tier 1
Common Equity Tier 1 – Internationally
Comparable Basel III2
Return on average ordinary equity (statutory)3
Return on average assets (statutory)
Cost to income ratio (cash)1
Shareholder value – ordinary shares
Total return to shareholders (share price movement
plus dividends)
Market capitalisation
Dividend (cents)
Franked portion– interim– finalShare price– high (dollars)– low (dollars)– closing (dollars)
Share information(per fully paid ordinary share)
Earnings per share (cents) (statutory)4
Dividend payout ratio (statutory)
Net tangible assets per ordinary share5
No. of fully paid ordinary shares issued (millions)
Dividend reinvestment plan (DRP) issue price– interim– finalOther information
No. of employees (full time equivalents)
No. of shareholders
1.

Cash profit excludes non-core items included in statutory profit and is provided to assist readers in understanding the result of the ongoing business activities of the Group. Cash profit is not
audited; however, the external auditor has informed the Audit Committee that the adjustments have been determined on a consistent basis across each period presented.

2.

Internationally Comparable Methodology aligns with APRA’s information paper entitled ‘International Capital Comparison Study’ (13 July 2015). Basel Internationally Comparable ratios do notinclude an estimate of the Basel l capital floor requirement.

3.

Average ordinary equity excludes non-controlling interests.

4.

Earnings per share has been restated to reflect the bonus element of the share entitlement issue made in 2022, in accordance with AASB 133 Earnings per Share.

5.

Equals shareholders’ equity less total non-controlling interests, goodwill and other intangible assets, divided by the number of ordinary shares.

60

ANZ 2022 Annual Review

FIVE YEAR SUMMARY (CONTINUED)

2022

2021

2020

2019

2018

Australia Retail1

44343

Australia Commercial2

4443

3

Australia Institutional3221

11New Zealand Retail444444

New Zealand Commercial and Agricultural555555

New Zealand Institutional611111Breaches

518

573

569

784

1,114

Investigations resulting in termination

95

114

93

151

226

Whistleblower reports

142

157

157

156

137

>58,000>67,600>61,352>90,850>88,224

Fair and responsible banking
Net Promoter Score Ranking (relative to peers)

Code of Conduct

Financial wellbeing
People reached by our financial inclusion programs7
Employees
Employee Engagement (%)

8481

8677

73

Total Women in Leadership (%)835.935.333.4

32.5

32.0

Recruitment of people from under-represented groups9320

255

185224260

Total community investment ($million)10

136.4

139.7

139.5

142.2

136.9

Volunteer hours

52,44454,64566,402

134,930

124,113

13.8

15.5

20.5

42.4

34.6

Environmentally sustainable solutions (AU$ billion)

16.18

9.18

7.57

7.60

4.65

Housing (AU$ billion)11

0.53

1.40

1.45

Other social (AU$ billion)12

1.37

2.29

0.06

Total scope 1 & 2 (tCO2e)

101,879

111,409

134,093

156,568

171,012

Total scope 1, 2 & 3 GHG emissions (tCO2e)140,514

153,697

203,700

250,857

266,906

Renewables (%)

908887

83

76

Coal (%)

235913Gas (%)

897810

1,505

1,425

1,501

1,371

1,076

Community

Employee volunteering participation rate (%)

Sustainable financeTotal funded or facilitated towards:

Environmental sustainability
Environmental footprint

Project finance portfolio13

Project finance commitment to renewable energy ($million)

1. Roy Morgan Single Source, Australian population aged 14+, Main Financial Institution, six-month rolling average to Sep’18, Sep’19, Sep’20, Sep’21 & Sep’22. Ranking based on the fourmajor Australian banks. 2. DBM Atlas (Business). Base: Commercial (<$100 million annual turnover) Main Financial Institution customers. Six-month average to Sep’18, Sep’19, Sep’20, Sep’21& Sep’22. Ranking based on the four major Australian banks. 3. Peter Lee Associates, 2018–2022 Large Corporate and Institutional Relationship Banking surveys, Australia. Ranking based on
the four major Australian banks. 4. Retail Market Monitor, Camorra Research, six month rolling average to Sep’18, Sep’19, Sep’20, Sep’21 & Sep’22. 5. Business Finance Monitor, Kantar Research.
Base: Commercial ($3 million–$150 million annual turnover) and Agricultural (>500K annual turnover) customers. Four quarter rolling average to Q3’18, Q3’19, Q3’20, Q3’21 & Q2’22. 6. Peter Lee
Associates Large Corporate Relationship Banking Survey, New Zealand 2018–2022. 7. Includes individuals who have participated in more than one program or product (for example, people
who have participated in MoneyMinded as part of Saver Plus are counted twice as they are included in both the MoneyMinded and Saver Plus totals. 8. Measures representation at the Senior
Manager, Executive and Senior Executive levels. Includes all employees regardless of leave status but not contractors (which are included in FTE). 9. Including Aboriginal and Torres Strait
Islander peoples, people with disability and refugees. Total may have duplicates as employees can identify with more than one under-represented group. 10. Figure includes forgone revenue,
being the cost of providing low or fee free accounts to a range of customers such as government benefit recipients, not-for-profit organisations, students and the elderly. International transfer
fees were waived for funds sent from Australia and New Zealand to the Pacific to support communities impacted by COVID-19. 11. Commenced reporting in 2020. 12. Commenced reportingin 2020. Includes transactions eligible for inclusion in $50 billion target but unable to be allocated to environmentally sustainable solutions, housing or financial wellbeing. 13. Breakdowns for2020 and 2018 do not total to 100% due to rounding.