OUR PERFORMANCE (continued)

Five year summary
FIVE YEAR SUMMARY
2021
$m

2020
$m

2019
$m

2018
$m

2017
$m

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

14,161
3,286(9,051)

14,0493,703(9,383)

14,3394,690(9,071)

14,514
4,853(9,401)

14,875
4,941(8,967)

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

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)

10,849(1,199)(2,826)(15)

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

6,198
(17)

3,758
(98)

6,470(309)

6,487
(682)

6,809
129

Cash profit
Adjustments to arrive at statutory profit1

6,181
(19)

3,660
(83)

6,161
(208)

5,805
595

6,938(532)Profit attributable to shareholders of the Company

6,162

3,577

5,953

6,400

6,406

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%

897,326
59,075
10.6%
15.8%

9.9%
0.6%
52.2%

5.9%
0.3%
53.8%

10.0%
0.6%
49.5%

10.9%
0.7%
52.0%

11.0%
0.7%
46.1%

Total return to shareholders (share price movement plus
dividends)

70.7%-36.9%

9.2%

0.6%

13.1%

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

79,483
142
100%
100%
$29.64$16.97$28.1548,83960
100%
100%$28.67$14.10$17.2280,842160100%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$29.60217.1
65.3%$21.09
2,824

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%
$17.662,937$27.91-$18.06$22.19$27.79$25.03$27.76$26.03$28.80$29.0240,221
534,166

38,579553,171

39,060506,847

39,924509,238

44,896522,425

Financial position
AssetsNet assets
Common Equity Tier 1
Common Equity Tier 1 – InternationallyComparable Basel 32
Return on average ordinary equity (statutory)3
Return on average assets (statutory)
Cost to income ratio (cash)1
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 share4
No. of fully paid ordinary shares issued (millions)
Dividend reinvestment plan (DRP) issue price– interim– final
Other 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 notaudited; 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 applied for 2017–2021 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.

3.

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

4.

ANZ 2021 Annual Report

71

OVERVIEW

HOW WE
CREATE VALUEPERFORMANCEOVERVIEW

Five year summary (continued)

REMUNERATIONREPORT

DIRECTORS’REPORT

FINANCIALREPORTSHAREHOLDERINFORMATION

20212020

2019

2018

2017

Australia Retail1

43434

Australia Commercial244334

Australia Institutional321112

New Zealand Retail444444

New Zealand Commercial and Agricultural555555

New Zealand Institutional6

11

1

13

Breaches

573

569

784

1,114

1,443

Investigations resulting in termination

114

93

151

226

262

Whistleblower reports

157

157

156

137

121

>67,600>61,352>90,850>88,224>80,074

Employee Engagement (%)881

86

77

73

72

Total Women in Leadership (%)935.3

33.4

32.5

32.0

31.1

Recruitment of people from under-represented groups10255

185

224

260

250

Total community investment ($million)11139.7

139.5

142.2

136.9

131.1

Volunteer hours

54,64566,402

134,930

124,113113,127

15.520.5

42.4

34.6

29.4

Environmentally sustainable solutions (AU$ billion)

9.18

7.57

7.60

4.65

4.51

Housing (AU$ billion)

1.40

1.45

2.29

0.06

Total scope 1 & 2 (tCO2e)

111,409

134,093

156,568

171,012

180,993

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

153,697

203,700

250,857

266,906

273,216

Renewables (%)

8887

83

76

70

Coal (%)

35

913

16Gas (%)

978

10

13

1,425

1,501

1,371

1,076

1,141

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

Code of ConductFinancial Wellbeing
People reached by our financial inclusion programs7
Employees

Community

Employee volunteering participation rate (%)12
Sustainable FinanceTotal funded or facilitated towards:

13

Other social (AU$ billion)

14

Environmental Sustainability
Environmental footprint

Project finance portfolio15

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’17, Sep’18, Sep’19, Sep’20 & Sep’21. Ranking based on the four
major Australian banks. 2. DBM Atlas (Business). Base: Commercial (<$100 million annual turnover) Main Financial Institution customers. Six-month average to Sep’17, Sep’18, Sep’19, Sep’20 &Sep’21. Ranking based on the four major Australian banks. 3. Peter Lee Associates, 2017–2020 Large Corporate and Institutional Relationship Banking surveys, Australia. Ranking based on thefour major Australian banks. 4. Retail Market Monitor, Camorra Research, six month rolling average to Sep’17, Sep’18, Sep’19, Sep’20 & Sep’21. Ranking based on the five major New Zealandbanks. 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 Q3’17, Q3’18, Q3’19, Q3’20 & Q3’21. Ranking based on the five major New Zealand commercial/agricultural banks. 6. Peter Lee Associates Large Corporate Relationship Banking
surveys, New Zealand 2017–2021, ranked against the Top 4 competitors. 7. Includes individuals who have participated in more than one program or product (for example, people who haveparticipated in MoneyMinded as part of Saver Plus are counted twice as they are included in both the MoneyMinded and Saver Plus totals). 8. The 2017 engagement survey was run as apulse survey sent to 10% of the bank’s employees with a 57% response rate. 9. 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). 10. Including Aboriginal and Torres Strait Islander peoples, people with disability and refugees. 11. 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 theelderly. International transfer fees were waived for funds sent from Australia and New Zealand to the Pacific to support communities impacted by COVID-19. 12. Commenced reporting in2017. 13. Commenced reporting in 2020. 14. Commenced reporting in 2020. Includes transactions eligible for inclusion in $50 billion target but unable to be allocated to environmentally
sustainable solutions, housing or financial wellbeing. 15. Breakdowns for 2020, 2018 and 2017 do not total to 100% due to rounding.

72