BUILDING A BETTER BANK

2018 FIRST HALF FINANCIAL RESULTS
FOUR STRATEGIC PRIORITIESCreate a simpler, better
capitalised, better balanced
and more agile bank

Focus our efforts
on areas where wecan carve out awinning position

Drive a purpose andvalues-led transformationof the bank

Build a superior everyday
experience for our customers
and our people to compete
in the digital age

KEY FINANCIAL MEASURESR ETAILL$3.49bM

N
AUS & ZTI

BETTERBALANCEDPORTFOLIOAL

IT UCOCII N ST&EROAALTHMNWECapitalAllocation

Cash Profit+4%

119.4cCash Earnings per Share+4%

80cInterim Dividend per Share
Fully Franked

11.0%

CET1 Capital Ratio+91bps11.9 %Cash Returnon Equity+32bps

SHAPING A WORLD WHERE PEOPLE AND COMMUNITIES THRIVE

Funded and facilitated$8.3b in low carbon andsustainable solutions1

More than 2000 people
recruited to our Saver Plus
matched savings program2Group-wide representationof Women in Leadership has
increased to 31.9%3

Australian Retail NPS(Net Promoter Score)ranking increased to 3rd4

1. This includes green buildings, low emissions transport, green bonds, renewable energy, efficient irrigation and low emissions gas power
generation, since 2015.
2. Since 2004 more than 36,000 people have participated in the Saver Plus program.
3. Up from 31.1% as of 2017. Employee headcount is used for the basis of this disclosure. Includes all employees regardless of leave status excluding
contractors (which are included in FTE).
4. Up from 4th at end of 2017. Roy Morgan single source. Base: Australian population aged 14+, main financial institution, six month rolling average
to March 2018. Ranking based on the four major Australian banks.
All financial figures within this document are presented on a Cash Profit Continuing Basis in Australian Dollars except for New Zealand figures (inNZD). New Zealand figures are representative of New Zealand Division.
Growth rate and basis point (bps) movements compare First Half 2018 to First Half 2017 unless otherwise stated.

anz.comAUSTRALIA$204b $4.9b$1.9b $339 $1.8
Customer Deposits+$7b / +3%

Cash Profit+9%

5.7m retail customers bankwith us

Customer Lending+$14b / +4%

3.4m of our customers
are digitally active,
up 3% from 2017

Revenue+5%

b24% of all retail sales
are completed via
digital channels, up from 21%
in 2017

Expenses+9%b84% of value transactions
are completed via
digital channels

NEW ZEALAND$84b $1.8b$0.8b $119 $0.6
Customer Deposits+$3b / +4%bCash Profit+11%

30,000 in
net customer growth

Revenue+6%

1.4m digitally active
customersb

Customer Lending+$4b / +3%

Expenses+1%

83% of value transactions
are completed via digitalchannels#1 in mobile banking1

1. Camorra Retail Market Monitor (RMM); six month rolling score.
All financial figures within this document are presented on Cash Profit Continuing Basis in Australian Dollars except for New Zealand figures (inNZD). New Zealand figures are representative of New Zealand Division.
Growth rate and basis point (bps) movements compare First Half 2018 to First Half 2017 unless otherwise stated.

anz.com

INSTITUTIONAL [HALF- ON-HALF PERFORMANCE 1]

45% of our revenue issourced from customers
who transact with us infour or more countries

29% of Australia and28% of New Zealandrevenue sourced from ourinternational network

Top 4 Corporate Bankin Asia for the 6thconsecutive year and #1
for overall quality3#1 in Australia andNew Zealand for overallmarket and lead bankpenetration and the qualityof service4

Risk adjusted Net Interest
Margin is 2.21%6, up 8bps

Strong portfolio quality withloss rates at 7bps

$2.0b
Customer Revenue
+1% 2

$1.4b
Expenses
-2% 5

$0.8b
Cash Profit-8%

1. Half-on-half comparisons presented due to significant risk weight reductions over the course of Full Year 2017, and significant Global Markets
performace in First Half 2017.
2. +2% excluding bank tax.
3. (Equal) No. 4 Corporate Bank in Asia – 2018 Greenwich Associates Large Corporate Banking study.
4. No. 1 rank for overall market and lead bank penetration as well as overall relationship strength in the 2017 Peter Lee Associates Large Corporateand Institutional Relationship Banking Surveys, Australia and New Zealand.
5. Fourth consecutive half year of absolute cost reduction.
6. Excluding bank tax, risk adjusted Net Interest Margin is 2.29%, up 13bps.
All financial figures within this document are presented on Cash Profit Continuing Basis in Australian Dollars except for New Zealand figures (inNZD). New Zealand figures are representative of New Zealand Division.
Growth rate and basis point (bps) movements compare First Half 2018 to Second Half 2017.

anz.com