FIVE YEAR SUMMARY

2015
$m

2014
$m

2013
$m

2012
$m

2011
$m

Financial performance1
Net interest income
Other operating income
Operating expenses

14,616
5,902(9,359)13,797
5,781(8,760)12,772
5,619(8,257)

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

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

11,159(1,205)(2,724)(14)

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)

Cash/underlying profit1
Adjustments to arrive at statutory profit1

7,216
277

7,117
154

6,492(182)

5,830(169)

5,467(112)

Profit attributable to shareholders of the Company

7,493

7,271

6,310

5,661

5,355

Financial position
Total assets
Total equity
Common Equity Tier 12
Common Equity Tier 1 – Internationally Comparable Basel 33
Return on average ordinary equity4,5Return on average assets5
Cost to income ratio (cash/underlying)1

889,900
57,353
9.6%
13.2%
14.5%
0.9%
45.6%

772,092
49,284
8.8%
12.5%
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%

Shareholder value – ordinary shares
Total return to shareholders (share price movement plus dividends)
Market capitalisation
Dividend
Franked portion– interim– final(7.5%)
78,606
181c
100%
100%

5.9%
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%

$37.25$26.38$27.08$35.07$28.84$30.92$32.09$23.42$30.78$25.12$18.60$24.75$25.96$17.63$19.52271.5c68.6%$16.862,902.7

267.1c67.4%$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$31.93–$33.30$32.02$28.96$31.83$20.44$23.64$21.69$19.091,229
50,152546,558

1,220
50,328498,309

1,274
49,866468,343

1,337
48,239438,958

1,381
50,297442,943

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)
No. of shareholders8

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 2011 statutory profit has been adjusted 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 different criteria for the adjusting 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 a consistent basis across eachperiod presented.
2 Calculated in accordance with APRA Basel 3 requirements for 2012-2015. Comparatives for 2011 are calculated on a Basel 2 basis.
3 ANZ’s interpretation of the regulations documented in the Basel Committee publications; “Basel 3: A global regulatory framework for more resilient banks and banking systems” (June 2011) and“International Convergence of Capital Measurement and Capital Standards” (June 2006). Also includes differences identifies in APRA’s information paper entitled International Capital Comparison
Study (13 July 2015).
4 Average ordinary equity excludes non-controlling interests and preference shares.
5 Return on average ordinary equity and average assets have been calculated on statutory basis, in consistent with the last five years.
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 Excludes employees whose only ANZ shares are held in trust under ANZ employee share schemes.

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