OUR PERFORMANCE (continued)

FIVE YEAR SUMMARY
20201
$m

20191
$m

20181
$m

20171
$m

2016
$m

14,0493,703(9,383)
8,369(2,738)(1,872)(1)
3,758(98)
3,660
(83)
3,577

14,3394,690(9,071)
9,958(795)(2,678)(15)
6,470(309)
6,161
(208)
5,953

14,514
4,853(9,401)
9,966(688)(2,775)
(16)
6,487
(682)
5,805
595
6,400

14,875
4,941(8,967)
10,849(1,199)(2,826)
(15)
6,809
129
6,938(532)6,406

15,095
5,499(10,439)
10,155(1,956)(2,299)
(11)
5,889
n/a
5,889
(180)
5,709

1,042,286
61,29711.3%
16.7%

981,137
60,794
11.4%
16.4%

943,182
59,405
11.4%
16.8%

897,326
59,075
10.6%
15.8%

914,869
57,927
9.6%
14.5%

5.9%
0.3%
53.8%

10.0%
0.6%
49.5%

10.9%
0.7%
52.0%

11.0%
0.7%
46.1%

10.0%
0.6%
50.7%

Total return to shareholders (share price movement plus
dividends)-36.9%

9.2%

0.6%

13.1%

9.2%

Market capitalisation
Dividend (cents)
Franked portion– interim– finalShare price– high (dollars)– low (dollars)– closing (dollars)

48,83960
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$28.1886,948
160
100%
100%
$32.95$25.78$29.6080,886
160
100%
100%
$29.17$21.86$27.63Financial performance - cash2
Net interest income
Other operating income
Operating expenses
Profit before credit impairment and income tax
Credit impairment charge
Income tax expense
Non-controlling interests
Cash profit from continuing operations2
Cash profit/(loss) from discontinued operations
Cash profit
Adjustments to arrive at statutory profit2
Profit attributable to shareholders of the Company
Financial position
AssetsNet assets
Common Equity Tier 1
Common Equity Tier 1 – Internationally
Comparable Basel 33
Return on average ordinary equity (statutory)4Return on average assets (statutory)
Cost to income ratio (cash)2
Shareholder value – ordinary shares

Share information(per fully paid ordinary share)
Earnings per share (cents) (statutory)
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– final

126.4
47.6%
$20.04
2,840

210.0
76.2%
$19.59
2,835

221.6
72.1%
$18.47
2,874

220.1
73.4%
$17.66
2,937

197.4
81.9%
$17.132,927$18.06-$27.79$25.03$27.76$26.03$28.80$29.02$24.82$28.16

Other information
No. of employees (full time equivalents)
No. of shareholders

38,579553,171

39,060506,847

39,924509,238

44,896522,425

46,554545,2561.

During 2018, part of Wealth Australia and TSO and Group Centre division was classified as a discontinued operation. 2017 comparatives have been restated accordingly. 2016 has not beenrestated. All ratios are presented on a Group basis inclusive of discontinued operations across all periods.
2.
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 notaudited; however, the external auditor has informed the Audit Committee that the adjustments have been determined on a consistent basis across each period presented, and the adjustments
for the sale impact of Shanghai Rural Commercial Bank (SRCB) in 2018 and 2017 are appropriate.
3.
Internationally Comparable Methodology applied for 2016–2020 aligns with APRA’s information paper entitled ‘International Capital Comparison Study’ (13 July 2015). Basel Internationally
Comparable ratios do not include an estimate of the Basel l capital floor requirement.
4.
Average ordinary equity excludes non-controlling interests and preference shares.
5.
Equals shareholders’ equity less preference share capital, goodwill, software and other intangible assets divided by the number of ordinary shares

ANZ 2020 Annual Report
ANZ 2020 ANNUAL REPORT

7171

Overview

Performanceoverview

How wecreate value

Five year summary (continued)

Remuneration
reportDirectors’report

Financialreport2020

2019

Shareholder
information201820172016

Fair and Responsible Banking

Net Promoter Score Ranking (relative to peers)
Australia Retail1

343422Australia Commercial

43344l3

Australia Institutional

1112

1

New Zealand Retail44444

New Zealand Commercial and Agricultural555555

New Zealand Institutional

11131

Breaches7569

784

1,114

1,443

1,408Investigations resulting in termination

93151

226

262

254

Whistleblower reports

157

156

137

121

71

1,070,930

998,474

889,135

550,361

453,054

86

77

73

72

74

33.4

32.5

32.0

31.1

29.9

139.5

142.2

136.9

131.1

89.8

66,402

134,930

124,113113,127

113,071

20.5

42.4

34.6

29.4

-

Environmental sustainability ($ billion)

7.57

7.60

4.65

4.51

2.37

Housing ($ billion)

1.45

Other social ($ billion)14

0.06

46

Code of conduct

Financial Wellbeing

Help enable social and economic participationof 1 million people by 2020 (cumulative total)8
Employees
Employee engagement (%)9
Total Women in Leadership (%)

10Community
Total community investment ($m)
Volunteer hours
Employee volunteering participation rate (%)

11

Sustainable solutions AU$50 billion target12

Total funded or facilitated towards:
13

Environmental Sustainability

Environmental footprint
Total scope 1 & 2 GHG emissions (tCO2e)

134,093

156,568

171,012

180,993

193,569

Total scope 1,2 & 3 GHG emissions (tCO2e)203,700

250,857

266,906

273,216

299,224

Renewables (%)

8783

76

70

63

Coal (%)

59131619Gas (%)

78

101318

1,501

1,371

1,076

1,141875

Project finance portfolio

15Project finance commitment to renewable energy ($m)
Average emissions intensity of generation financed
Australia (tCO2e/Mwh generated)

0.40

0.54

0.66

0.58

0.62

Outside Australia (tCO2e/Mwh generated)

0.01

0.02

0.08

0.24

0.16

1. Roy Morgan Single Source, Australian population aged 14+, Main Financial Institution, six month rolling average to Sep’16, Sep’17, Sep’18, Sep’19 & Sep'20. Ranking based on the four major
Australian banks. 2. DBM Business Atlas. Base: Commercial (<$100 million annual turnover) Main Financial Institution customers. Six month average to Sep’16, Sep’17, Sep’18, Sep’19 & Sep'20.
Ranking based on the four major Australian banks. 3. Peter Lee Associates, 2020 Large Corporate and Institutional Relationship Banking surveys, Australia. 4. Retail Market Monitor, Camorra
Research, six month rolling average to Sep’16, Sep’17, Sep’18, Sep’19 & Sep'20. Ranking based on the five major New Zealand banks. 5. Business Finance Monitor, TNS Kantar Research. Base:Commercial ($3 million – $150 million annual turnover) and Agricultural (>$500K annual turnover) customers. Four quarter rolling average to Q3’16, Q3’17, Q3’18, Q3’19 & Q3’20. Ranking basedon the five major New Zealand commercial / agricultural banks. 6. Peter Lee Associates Large Corporate and Institutional Relationship Banking surveys, New Zealand 2016 - 2020, ranked
against the Top 4 competitors (in 2016 rank based on question ‘which bank would you most likely to recommend’). 7. Resulting in a formal consequence or the employee leaving ANZ
8. Target commenced in 2016. Performance includes people helped through our initiatives to support financial wellbeing, including our financial inclusion, employment and communityprograms, and targeted banking products and services for small business and retail customers. Refer to the 2020 ESG Supplement for methodology. 9. The 2017 engagement survey wasrun as a pulse survey sent to 10% of the bank's employees with a 57% response rate. 10. Measures representation at the Senior Manager, Executive and Senior Executive levels. Includes allemployees regardless of leave status but not contractors (which are included in FTE). 11. Commenced reporting in 2017. 12. 2016 –2019 figures represent annual contributions towards ANZ’s
2020 $15bn sustainable solutions target, which had an environmental focus. In 2020, ANZ set a new 2025 $50bn target with an expanded focus on environmental sustainability, housing andfinancial wellbeing. 13. Commenced reporting in 2020. 14. Commenced reporting in 2020. Includes Green, Social, Sustainability Bond transactions issued by Financial Institutions that align toSDG 6, 7, 9, 11, 12 and 13 and indirectly align to Financial Wellbeing. 15. Breakdowns for 2020, 2018 and 2017 do not total to 100% due to rounding.

72