Five year summary
2013
$m

2012
$m

2011
$m

2010
$m

2009
$m

Financial performance1
Net interest income2
Other operating income2
Operating expenses
Profit before credit impairment and income tax
Provision for credit impairment
Income tax expense
Non-controlling interests

12,772
5,606(8,236)
10,142(1,197)(2,437)(10)

12,1105,738(8,519)9,329(1,258)(2,235)(6)

11,5005,385(8,023)
8,862(1,220)(2,167)(8)

10,862
4,920(6,971)8,811(1,820)(1,960)
(6)

9,890
4,477
(6,068)8,299(3,056)(1,469)(2)

Cash/underlying profit1
Adjustments to arrive at statutory profit1

6,498
(226)

5,830
(169)

5,467(112)5,025(524)

3,772(829)

Profit attributable to shareholders of the Company

6,272

5,661

5,355

4,501

2,943

Financial position
Assets2,3
Net assets
Common Equity Tier 14
Common Equity Tier 1 – Internationally Harmonised Basel 35
Return on average ordinary equity6
Return on average assets2,3
Cost to income ratio (cash/underlying)1702,991
45,615
8.5%
10.8%
14.9%
0.9%
44.8%

642,127
41,220
8.0%
10.0%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%

476,987
32,429
9.0%
n/a
10.3%
0.6%
42.2%

Shareholder value – ordinary shares
Total return to shareholders (share price movement plus dividends)
Market capitalisation
Dividend
Franked portion– interim– final31.5%
84,450164 cents
100%
100%

35.4%
67,255145 cents
100%
100%

-12.6%
51,319140 cents
100%
100%

1.9%
60,614126 cents
100%
100%

40.3%
61,085102 cents
100%
100%

$32.09$23.42$30.78$25.12$18.60$24.75$25.96$17.63$19.52$26.23$19.95$23.68$24.99$11.83$24.39231.3c71.8%$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

131.0c82.3%$11.022,504.5$28.96–$20.44$23.64$21.69$19.09$21.32$22.60$15.16$21.75

1,274
47,512
468,343

1,337
48,239438,958

1,381
50,297442,943

1,394
47,099411,692

1,352
37,687396,181

Share price– high– low– closing

Share information(per fully paid ordinary share)
Earnings per share
Dividend payout ratio
Net tangible assets per ordinary share7
No. of fully paid ordinary shares issued (millions)
Dividend Reinvestment Plan (DRP) issue price– interim– finalOther information
Points of representation8
No. of employees (full time equivalents)
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 2013 and 2012 statutory profit has been adjusted for non-core items to arrive at Cash Profit. For 2009 – 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 a consistentbasis across each period presented.
2 The reporting treatment of derivative related collateral posted/received and the associated interest income/expense changed in 2012 and 2011 comparatives were restated. The 2009 and 2010
comparative information has not been restated.
3 The 2010 year onwards includes assets resulting from the acquisition of ANZ Wealth Australia, OnePath NZ, Landmark Financial Services and certain assets from the Royal Bank of Scotland.
4 Calculated in accordance with APRA Basel 3 requirements for 2013 and 2012. Comparatives for 2009 – 2011 are calculated on an APRA Basel 2 basis.
5 ANZs interpretation of the regulations documented in the Basel Committee publications: ‘Basel III: A global regulatory framework for more resilient banks and banking systems’ (June 2011)and ‘International Convergence of Capital Measurement and Capital Standards’ (June 2006).
6 Average ordinary equity excludes non-controlling interests and preference shares.
7 Equals shareholders’ equity less preference share capital, goodwill, software and other intangible assets divided by the number of ordinary shares.
8 Includes branches, offices, representative offices and agencies.
9 Excludes employees whose only ANZ shares are held in trust under ANZ employee share schemes.

190