OUR PERFORMANCE (continued)

Performance Overview (continued)

FIVE YEAR SUMMARY

Financial performance - cash2
Net interest income
Other operating income3
Operating expenses3
Profit before credit impairment and income tax
Credit impairment charge
Income tax expense
Non-controlling interests
Cash profit from continuing operations2
Cash profit/(loss) from discontinued operations
Cash profit
Adjustments to arrive at statutory profit2
Profit attributable to shareholders of the Company
Financial position
AssetsNet assets
Common Equity Tier 1
Common Equity Tier 1 – Internationally
Comparable Basel 34
Return on average ordinary equity (statutory)5Return on average assets (statutory)
Cost to income ratio (cash)2
Shareholder value – ordinary shares
Total return to shareholders (share price movement plusdividends)
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 share6
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.

20191
$m

20181
$m

20171
$m

2016
$m

2015
$m

14,3394,690(9,071)
9,958(795)(2,678)
(15)
6,470
(309)
6,161
(208)
5,953

14,514
4,853(9,401)
9,966(688)(2,775)
(16)
6,487
(682)
5,805
595
6,400

14,875
4,941(8,967)
10,849(1,199)(2,826)(15)(6,809)129
6,938(532)6,406

15,095
5,499(10,439)
10,155(1,956)(2,299)
(11)
5,889
n/a
5,889
(180)
5,709

14,616
5,921(9,378)
11,159(1,205)(2,724)
(14)
7,216
n/a
7,216
277
7,493

981,137
60,794
11.4%
16.4%

943,182
59,405
11.4%
16.8%

897,326
59,075
10.6%
15.8%

914,869
57,9279.6%
14.5%

889,900
57,353
9.6%
13.2%

10.0%
0.6%
49.5%

10.9%
0.7%
52.0%

11.0%
0.7%
46.1%

10.0%
0.6%
50.7%

14.5%
0.9%
45.7%

9.2%

0.6%

13.1%

9.2%

(7.5%)

80,842
160
100%
70%$29.30$22.98$28.52

80,979
160
100%
100%
$30.80$26.08$28.1886,948
160
100%
100%
$32.95$25.78$29.6080,886
160
100%
100%
$29.17$21.86$27.6378,606
181
100%
100%
$37.25$26.38$27.08210
76.2%$19.59
2,835

221.6
72.1%
$18.47
2,874

220.1
73.4%
$17.66
2,937

197.4
81.9%
$17.13
2,927

271.5
68.6%
$16.862,903$27.79-$27.76$26.03$28.80$29.02$24.82$28.16$31.93$27.0839,060506,847

39,924509,238

44,896522,425

46,554545,256

50,152546,558

During 2018, part of Wealth Australia and TSO and Group Centre division was classified as a discontinued operation. 2017 comparatives have been restated accordingly. 2016 to 2015 have notbeen restated. All ratios are presented on a Group basis inclusive of discontinued operations across 2019 to 2015.
2.
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, and the adjustments
for the sale impact of Shanghai Rural Commercial Bank (SRCB) in 2018 and 2017 are appropriate.
3.
On adoption of AASB 15, the Group reclassified certain items previously netted which are now presented gross in operating income and operating expenses. Only the comparative informationfor 2018 has been restated which increased total operating income and total operating expenses by $153 million for the September 2018 full year.
4.
Internationally Comparable Methodology applied for 2015–2018 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.
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

64

ANZ 2019 ANNUAL REPORT64
ANZ 2019 ANNUAL REPORT

2019

2018

2017

2016

2015

Australia Retail1

43424

Australia Commercial2

33444

Australia Institutional

1121–New Zealand Retail444445

New Zealand Commercial and Agricultural

55555New Zealand Institutional

1131–

Breaches

784

1,114

1,443

1,408

1,629

Investigations resulting in termination

151

226262254

294998,474

889,135

550,361

453,054

–

77

73

72

74

76

32.5

32.0

31.1

29.9

29.5

Fair and Responsible Banking

Net Promoter Score Ranking (relative to peers)

356

Code of conduct

Financial Wellbeing

Help enable social and economic participation of
1 million people by 2020 (cumulative total)7
Employees
Employee Engagement (%)8
Total Women in Leadership (%)

9CommunityTotal community investment ($m)10142.2

136.9

131.1

89.8

74.8

134,930

124,113113,127

113,071

108,142

42.4

34.6

29.4

–

–

6.3

––––

19.1

11.5

6.9

2.5

–

Total scope 1 & 2 GHG emissions (tCO2e)

156,568

171,012

180,993

193,569

209,531

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

250,857

266,906

273,216

299,224

335,085

Renewables (%)

83

76

70

63

60

Coal (%)

910

16

19

18Gas (%)

813

13

18

22

1,371

1,076

1,141875

881

Volunteer hours
Employee volunteering participation rate (%)11
Housing

Provide NZ $100 million of interest free loans to insulate homes for
ANZ mortgage holders (NZ$ million)12
Environmental Sustainability

Fund and facilitate at least AU$15 billion by 2020 towards environmentally
sustainable solutions for our customers (AU$ billion cumulative total)13
Environmental footprint

Project finance portfolio

14

Project finance commitment to renewable energy ($m)

1.

2.

3.

4.

5.

6.

Roy Morgan Research Single Source, Australian population aged 14+, Main Financial
Institution, six month rolling average to Sep’15, Sep’16, Sep’17, Sep’18 & Sep’19. Ranking
based on the four major Australian banks.
DBM Business Financial Services Monitor. Base: Commercial (<$100 million annual turnover)Main Financial Institution customers. Six month average to Sep’15, Sep’16, Sep’17, Sep’18 &Sep’19. Ranking based on the four major Australian banks.
Peter Lee Associates, 2019 Large Corporate and Institutional Relationship Banking surveys,Australia.
Retail Market Monitor, Camorra Research, six month rolling average to Sep’15, Sep’16,Sep’17, Sep’18 & Sep’19.
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 Q3’15, Q3’16, Q3’17, Q3’18 & Q3’19.
Peter Lee Associates Large Corporate and Institutional Relationship Banking surveys, NewZealand 2016 – 2019, ranked against the Top 4 competitors (in 2016 rank based on question‘which bank would you most likely to recommend’).

Target commenced in 2016. Performance includes people helped through our initiatives tosupport financial wellbeing, including our financial inclusion, employment and communityprograms, and targeted banking products and services for small business and retailcustomers. Refer to the 2019 ESG Supplement for methodology (to be released in December).
8.
The 2017 engagement survey was run as a pulse 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 includedin FTE).
10.
Includes foregone revenue ($109 million for 2019), being the cost of providing low or fee
free accounts to a range of customers such as government benefit recipients, not-for-profit
organisations and students.
11.
Commenced reporting in 2017.
12.
Target commenced in 2019.
13.
Target commenced in 2016. Performance includes funding or facilitation of initiatives that
help lower carbon emissions, improve water stewardship, and minimise waste.
14.
Breakdown for 2017 & 2018 does not total to 100% due to rounding.
7.

65