Spreadsheet: 0c9cad5f-2ed0-4793-a19a-750ccd5c041d
Sheet: Sheet1

Statutory Results | Unnamed: 1 | Unnamed: 2 | Unnamed: 3 | Unnamed: 4 | Unnamed: 5 | Unnamed: 6 | Unnamed: 7
 | Half Year |  |  |  | Full Year
 | Sep 12 $M | [NAME] | Movt |  | Sep 12 $M | Sep 11 $M | Movt
Net interest income | 6126 | 5984 | 0.02372994652406417 |  | 12110 | 11500 | 0.05304347826086957
Other operating income | 2768 | 2833 | -0.02294387575008824 |  | 5601 | 5432 | 0.0311119293078056
Operating income | 8894 | 8817 | 0.00873312918226154 |  | 17711 | 16932 | 0.04600755965036617
Operating expenses | -4386 | -4133 | 0.06121461408178079 |  | -8519 | -8023 | 0.06182226099962607
Profit before credit impairment and income tax | 4508 | 4684 | -0.03757472245943638 |  | 9192 | 8909 | 0.03176563026153328
Provision for credit impairment | -660 | -538 | 0.2267657992565056 |  | -1198 | -1237 | -0.03152789005658852
Profit before income tax | 3848 | 4146 | -0.07187650747708635 |  | 7994 | 7672 | 0.04197080291970803
Income tax expense | -1104 | -1223 | -0.0973017170891251 |  | -2327 | -2309 | 0.007795582503248159
Non-controlling interests | -2 | -4 | -0.5 |  | -6 | -8 | -0.25
Profit attributable to shareholders of the Company | 2742 | 2919 | -0.06063720452209661 |  | 5661 | 5355 | 0.05714285714285714
Earnings per ordinary share (cents) | Half Year |  |  |  | Full Year
 | Sep 12 | [NAME] | Movt |  | Sep 12 | Sep 11 | Movt
Basic | 102.6429240862231 | 110.8320012179341 | -0.0738872982687415 |  | 213.4169373725164 | 208.2310300479364 | 0.02490458469799719
Diluted | 99.12989434431324 | 106.1545388425172 | -0.06617375549645794 |  | 205.5686383155562 | 198.7827448747153 | 0.03413723583059376
 |  | Half Year |  |  | Full Year
Ordinary share dividends (cents) |  | Sep 12 | [NAME] 12 |  | Sep 12 | Sep 11
Interim - 100% franked |  |  | 66 |  | 66 | 64
Final - 100% franked |  | 79 |  |  | 79 | 76
Total - 100% franked |  | 79 | 66 |  | 145 | 140
Ordinary share dividend payout ratio |  | 0.7848794740686632 | 0.6084862637362637 |  | 0.6934513274336284 | 0.6857570653191091
Preference share dividend ($M)
Dividend paid |  | 4 | 7 |  | 11 | 12
Profitability ratios
Return on average ordinary shareholders' equity |  | 0.1373016072010631 | 0.1557011094773426 |  | 0.1462063968533278 | 0.1533714154490915
Return on average assets |  | 0.008538611370179321 | 0.009534853335075456 |  | 0.00902482184705151 | 0.009356922432413045
Net interest margin |  | 0.02276642120109038 | 0.02352376946391437 |  | 0.02313448375332642 | 0.02424615540309761
Net interest margin (excluding Global Markets) |  | 0.02674869910381418 | 0.02743133041465795 |  | 0.02708307598749536 | 0.02796036116753817
Efficiency ratios
Operating expenses to operating income |  | 0.4931414436698898 | 0.4687535442894408 |  | 0.4810005081587714 | 0.4738365225608316
Operating expenses to average assets |  | 0.01365804138205926 | 0.01350035931273274 |  | 0.01358107354089945 | 0.01401878406633984
Credit impairment provisioning/(release)
Individual provision charge ($M) |  | 887 | 690 |  | 1577 | 1230
Collective provision charge/(release) ($M) |  | -227 | -152 |  | -379 | 7
Total provision charge ($M) |  | 660 | 538 |  | 1198 | 1237
Individual provision charge as a % of average              net advances |  | 0.004189531373017243 | 0.003419786189020008 |  | 0.003813699796973723 | 0.003215753532100018
Total provision charge as a % of average net advances |  | 0.003120869871547833 | 0.002666441985061978 |  | 0.002896572751889306 | 0.003231440134695628
Refer to the September 2012 Consolidated Results & Dividend Announcement for explanations of terms