18

ANZ 2023 Annual Review

OUR PERFORMANCE (continued)

5 YEAR SUMMARYFINANCIALFIVE YEAR SUMMARY

Financial performance - cash1
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 operations1
Cash profit/(loss) from discontinued operations1
Cash profit1
Adjustments to arrive at statutory profit1
Profit attributable to shareholders of the Company
Financial position
Gross loans and advances
AssetsCustomer Deposits
Net assets
CET1
CET1 – Internationally Comparable Basel III2
Return on average ordinary equity (statutory)3
Cost to income ratio (cash)1
Shareholder value – ordinary shares
Total return to shareholders
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)
Dividend payout ratio (statutory)
Net tangible assets per ordinary share4
No. of fully paid ordinary shares issued (millions)
Dividend reinvestment plan (DRP) issue price– interim– finalOther information
No. of employees (full time equivalents)5
No. of shareholders

2023
$m

2022
$m

2021
$m

2020
$m

2019
$m

16,581
4,312(10,139)
10,754(245)(3,076)
(28)
7,405
7,405
(307)
7,098

14,874
3,673(9,579)8,968
232(2,684)
(1)
6,515
(19)
6,496
623
7,119

14,161
3,286(9,051)
8,396
567(2,764)
(1)
6,198
(17)
6,181
(19)
6,162

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

710,590
1,105,620
647,11970,046
13.3%
19.7%
10.5%
48.5%

675,989
1,085,729
620,429
66,401
12.3%
19.2%
11.4%
52.0%

633,764
978,857
593,582
63,676
12.3%
18.3%
9.9%
52.2%

622,074
1,042,286
552,363
61,297
11.3%
16.7%
5.9%
53.8%

618,767
981,137
511,693
60,794
11.4%
16.4%
10.0%
49.5%

20.0%
77,116175
100%
56%$26.08$22.39$25.66-14.0%
68,170146
100%100%$28.98$20.95$22.8070.7%
79,483
142
100%
100%
$29.64$16.97$28.15-36.9%
48,83960
100%
100%$28.67$14.10$17.229.2%
80,842
160
100%
70%$29.30$22.98$28.52

236.8
74.1%$21.78
3,005

250.0
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%
$19.592,835$23.55-$25.52$24.51$27.91$27.68$18.06$22.19$27.79$25.0340,342
530,601

39,381
541,788

40,221
534,166

38,579553,171

39,060506,847

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. 2023 Internationally
Comparable methodology aligns with the Australia Banking Association Basel 3.1 Capital Comparison Study (March 2023). For years prior to 2023, Internationally Comparable Methodology alignswith APRA’s information paper entitled ‘International Capital Comparison Study’ (13 July 2015). 3. Average ordinary equity excludes non-controlling interests. 4. Equals shareholders’ equity less total
non-controlling interests, goodwill and other intangible assets, divided by the number of ordinary shares. 5. 2022 comparative information has been restated to include FTE of the consolidated
investments managed by 1835i Group Pty Ltd.

OverviewOperatingenvironment

Governance

Remuneration
overview

19

Shareholder
information

5 YEAR SUMMARYNON-FINANCIAL
2023

2022

2021

2020

2019

$100 billion social and environmental
outcomes target1

8.79----$50 billion sustainable solutions target2

6.95

18.08

12.87

9.08

7.60

$10 billion housing target3

0.61

0.814

1.40

1.45

-

Customer complaints5

365,629

403,150

144,391

90,750101,803

Customer requests for hardship assistance6

31,134

39,664

117,216

162,192

21,97989,038101,879

111,409

134,093

156,568

149,658

140,514

153,697

203,700

250,857

Renewables (%)

97

90

88

87

83

Coal (%)

12

3

5

9Gas (%)

18

9

7

8

2,242

1,505

1,425

1,501

1,371

Investigations resulting in formal outcome9501

518

573

569

784

Termination1010095

114

93151

Whistleblower reports

170

142

157

157

156

People reached by our financial inclusion
programs11

87,181

58,03867,62061,36790,927

Total community investment (AU$ million)12

141.1

136.4

139.7

139.5

142.2175,812.5

52,443.5

54,645.0

66,402.0

134,930.0

87

84

8186

77

Total funded and facilitated towards:

Customer experience

Environmental sustainability
Environmental footprint
Total scope 1 & 2 GHG emissions (tonnes CO2-e)
Total scope 1, 2 & 3 GHG emissions (tonnes CO2-e)

7Project Finance portfolio

Project finance commitment to renewableenergy ($m)8Ethics, conduct and culture

Financial wellbeing

Volunteering hours
Employees
Employee engagement (%)
Total women in leadership (%)

37.3

35.9

35.3

32.5

32.0

Recruitment of under represented groups14

268

320

255

185

224

Investment in learning and development ($m)

55.6

53.6

49.2

52.0

47.1

13For more information please see the 2023 ESG Supplement, 2023 ESG Data and Framework Packand 2023 Climate-related Financial Disclosures, available at anz.com/esgreport.
1. Target to fund and facilitate at least $100 billion by end 2030 in social and environmental outcomes through customer activities and direct investments by ANZ, commenced 1 April 2023. For
more information, see the social and environment sustainability target methodology available at anz.com/esgreport. 2. Target to fund and facilitate $50 billion in sustainable solutions by 2025,
commenced 1 October 2019 and closed 31 March 2023. For more information, see the explanatory notes available on page 95 in the 2022 ESG Supplement at anz.com/esgreport. 3. Target tofund and facilitate $10 billion in affordable, secure and sustainable housing by 2030 across Australia and New Zealand, commenced 1 October 2018. Commenced reporting progress against target
in 2020. Elligible transactions for this target (excluding deferred deals) contributed to the $50 billion target from 1 October 2019 to 31 March 2023 and contribute to the $100b target from 1 April
2023. For more information, see the explanatory notes available on page 69 in the 2023 ESG Supplement at anz.com/esgreport. 4. Figure for 2022 has been restated to include around an additional$288 million in deferred deals. 5. Retail and Commercial customers in Australia and New Zealand. 6. Australia and New Zealand. 7. Scope 3 emissions from our lending (‘portfolio emissions’) arenot included. This assessment scope is limited to ANZ’s operations. See ANZ’s 2023 Climate-related Financial Disclosures for more disclosures at anz.com/esgreport. 8. Refers to ANZ’s lending
commitments as at 30 September 2022 to renewable energy projects made only on a non or limited recourse basis to the ultimate sponsors. This figure does not include ANZ lending made torenewable energy projects that may be funded under corporate debt facilities or through other lending products. 9. Resulting in a formal consequence or the employee leaving ANZ. 10. Subsetof Investigations resulting in formal outcome. 11. Includes MoneyMinded, MoneyBusiness and Saver Plus. 12. Includes cash: gross monetary amount paid in support of a community organisation/project. Time: cost to the company of the paid working hours contributed by employees to a community organisation or activity. In-kind services: other non-cash resources to community activities(eg. company products or services or corporate resources). Management costs: costs incurred in making contributions, such as salaries and overheads. Forgone revenue: the cost of providing lowor 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 sentfrom Australia and New Zealand to Turkiye, Sri Lanka, Ukraine and the Pacific to support communities impacted by disaster-related events. Figure does not include remediation funds distributed tocharity. 13. 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).
14. 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).