FIVE YEAR SUMMARY
2014
$m

20132
$m

2012
$m

2011
$m

2010
$m

Financial performance1
Net interest income
Other operating income
Operating expenses

13,797
5,781(8,760)12,772
5,619(8,257)

12,1105,738(8,519)11,5005,385(8,023)

10,862
4,920(6,971)

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

10,818(989)(2,700)(12)

10,134(1,197)(2,435)(10)

9,329(1,258)(2,235)(6)

8,862(1,220)(2,167)(8)

8,811(1,820)(1,960)(6)

Cash/underlying profit1
Adjustments to arrive at statutory profit1

7,117
154

6,492
(182)

5,830
(169)

5,467(112)5,025(524)Profit attributable to shareholders of the Company

7,271

6,310

5,661

5,355

4,501

Financial position
AssetsNet assets
Common Equity Tier 13
Common Equity Tier 1 – Internationally Comparable Basel 34
Return on average ordinary equity5
Return on average assets
Cost to income ratio (cash/underlying)1

772,092
49,284
8.8%
12.7%
15.8%
1.0%
44.7%

702,995
45,603
8.5%
12.7%
15.0%
0.9%
44.9%

642,127
41,220
8.0%
11.6%
14.6%
0.9%
47.7%

604,21337,954
8.5%
n/a
15.3%
0.9%
47.5%

531,703
34,155
8.0%
n/a
13.9%
0.9%
44.2%

Shareholder value – ordinary shares
Total return to shareholders (share price movement plus dividends)
Market capitalisation
Dividend
Franked portion– interim– final5.9%
85,235
178c
100%
100%

31.5%
84,450
164c
100%
100%

35.4%
67,255
145c
100%
100%

(12.6%)
51,319
140c
100%
100%

1.9%
60,614
126c
100%
100%

$35.07$28.84$30.92$32.09$23.42$30.78$25.12$18.60$24.75$25.96$17.63$19.52$26.23$19.95$23.68267.1c67.4%$14.652,756.6

232.7c71.4%$13.482,743.7

213.4c69.4%$12.22
2,717.4

208.2c68.6%$11.44
2,629.0

178.9c71.6%$10.382,559.7$33.30–$28.96$31.83$20.44$23.64$21.69$19.09$21.32$22.601,220
50,328498,309

1,274
49,866468,343

1,337
48,239438,958

1,381
50,297442,943

1,394
47,099411,692

Share price– high– low– closing

Share information(per fully paid ordinary share)
Earnings per share
Dividend payout ratio
Net tangible assets per ordinary share6
No. of fully paid ordinary shares issued (millions)
Dividend Reinvestment Plan (DRP) issue price– interim– final
Other information
Points of representation7
No. of employees (full time equivalents)8
No. of shareholders9

1 Since 1 October 2012, the Group has used cash profit as a measure of the result of the ongoing business activities of the Group enabling shareholders to assess Group and divisional performanceagainst prior periods and against peer institutions. For 2012 - 2014 statutory profit has been adjusted for non-core items to arrive at cash profit. For 2010 and 2011 statutory profit has beenadjusted for non-core items to arrive at underlying profit, which like cash profit, is a measure of the ongoing business performance of the Group but used somewhat different criteria for theadjusting items. Neither cash profit nor underlying profit are audited; however, the external auditor has informed the Audit Committee that the adjustments have been determined on aconsistent basis across each period presented.
2 As set out in note 1 of the financial statements the Group adopted certain new Accounting Standards during the year and 2013 comparative information has been restated in line with therequirements of the standards.
3 Calculated in accordance with APRA Basel 3 requirements for 2012-2014. Comparatives for 2010-2011 are calculated on a Basel 2 basis.
4 Previously disclosed International Harmonised capital ratios (Internationally Harmonised Basel 3) have been replaced with Internationally Comparable capital ratios as per the methodology inthe “Australian Bankers’ Association: International comparability of capital ratios of Australia’s major banks” (August 2014) report prepared by PwC Australia. The 2012 and 2013 ratios have been
restated for the change in methodology to Internationally Comparable capital ratios.
5 Average ordinary equity excludes non-controlling interests and preference shares.
6 Equals shareholders’ equity less preference share capital, goodwill, software and other intangible assets divided by the number of ordinary shares.
7 Includes branches, offices, representative offices and agencies.
8 During 2014 the Group migrated onto a single global HR platform. In doing so, the Group revised and standardised the measure of FTE and this resulted in an increase in FTE.
Comparative information has been restated for 2013 only.
9 Excludes employees whose only ANZ shares are held in trust under ANZ employee share schemes.

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