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Australia and New Zealand Banking Group Ltd. — Interim / Quarterly Report 2017
Aug 14, 2017
10425_rns_2017-08-14_7b4f2488-3aa5-4551-b99b-f7fcffac3917.pdf
Interim / Quarterly Report
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2017
3rd Quarter Trading Update & APS330 Pillar 3 Investor discussion pack
G R O U P F I N A N C I A L H I G H L I G H T S - P R O F I TA B I L I T Y
Group Net Interest Income / Credit RWA[1 ]
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%
5.5
5.0
4.5
4.0
3.5
3.0
2.5
1H16 2H16 1H17 3Q17
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Adjusting for APRA regulatory changes to housing CRWAs Net interest income / CRWAs
Profit Before Provisions (Cash basis)
$b
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2.66 2.78 2.79
2.43
1H16 2H16 1H17 3Q17
Qtrly avg Qtrly avg Qtrly avg
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Institutional Markets Income
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$m
800 682
419
600 481 513
400
200
0
-200
1H16 2H16 1H17 3Q17
Qtrly avg Qtrly avg Qtrly avg
Sales Trading Balance Sheet Val’n adj.
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Net Profit After Tax (Cash basis)
$b
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1.71 1.79
1.55
1.39
1H16 2H16 1H17 3Q17
Qtrly avg Qtrly avg Qtrly avg
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- Excluding Markets income
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G R O U P F I N A N C I A L H I G H L I G H T S – B A L A N C E S H E E T
Total Credit RWAs & Exposure at Default (EAD)
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$b
917 899 913
356
342 348
Dec-16 Mar-17 Jun-17
Credit RWA EAD
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Total Risk Weighted Assets – 3Q17
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$b
7 0 1 0 405
397
Mar-17 Credit Op IRRBB Mkt Jun-17
RWA RWA RWA RWA
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Credit Risk Weighted Assets – 3Q17[1 ]
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$b
2.2
7.7 349.5 348.5
-0.4
341.8 -2.7 -0.1
Mar-17 Mort. Adj. for FX Risk Growth Other Jun-17
model Mort.
changes model
changes
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Credit Risk Weighted Assets – 3Q17[1 ]
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$b
1.5
7.7 349.5 0.5 348.5
341.8 -2.5 -0.5
Mar-17 Mort. Adj. for Resi. Corp. Sovereign Other Jun-17
model Mort. Mortgage & Banks
changes Model
changes
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- Increase in Risk Weighted Assets was impacted by model changes to Australia Residential Mortgage risk weighted assets (new ANZ mortgage capital models approved by APRA as noted in ANZ news release of 1 June 2017)
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G R O U P F I N A N C I A L H I G H L I G H T S – B A L A N C E S H E E T
Non Housing credit RWAs & EAD[1 ]
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$b
555 538 543
267 253 250
Dec-16 Mar-17 Jun-17
Credit RWA EAD
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Institutional RWA
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$b
-8.1%
-7.7%
-5.4% -1.9%
198
182 168 159 156
Sep-15 Mar-16 Sep-16 Mar-17 Jun-17
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Total Housing Credit RWA & EAD[2 ]
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$b
362 361 370
89 89 98
Dec-16 Mar-17 Jun-17
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Credit RWA
EAD
Aus. Household Lending Growth[3 ]
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ANZ growth x System (System = 1) Owner Occupied 1.3x system
Investor 0.8x system
1.5
1.0
0.5
0.0
Sep 15 Mar 16 Sep 16 Mar 17 June 17
Half Yr Half Yr Half Yr Half Yr Quarter
ANZ System
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-
Non Housing based on APS330 Pillar 3, all Credit RWA categories excluding Residential Mortgage category
-
Housing based on APS330 Pillar 3 Residential Mortgage category. Increase in Risk Weighted Assets was impacted by model changes to Australia Residential Mortgage risk weighted assets (new ANZ mortgage capital models approved by APRA as noted in ANZ news release of 1 June 2017)
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C R E D I T Q U A L I T Y & C A P I TA L
Individual Provision Charge
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$m
1,939
2,000
1,500
1,167 1,144 1,110 1,095
1,000
500
0
FY13 FY14 FY15 FY16 FY17 YTD
(June)
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4th quarter IP charge First 3 quarters (YTD June) IP charge
Total Provision Charge - Financial year to date
$m
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437
283 243
462
325 308
-42 -25 -65
Dec-16 Mar-17 Jun-17
Individual Provision Charge Collective Provision Charge
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Gross Impaired Assets
$b
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4.26
3.17
2.89 2.72 2.95
Sep-13 Sep-14 Sep-15 Sep-16 Jun-17
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Capital (CET1)
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%
0.5
~0.7 ~10.5
10.1
9.8
9.6
-0.6
-0.2
Sep-16 Mar-17 Net Dividend Other Jun-17 Announced Jun-17
organic (incl. divestments Pro-
capital Mortgage yet to settle forma
generation model
changes)
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FURTHER INFORMATION
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Our Shareholder information
DISCLAIMER & IMPORTANT NOTICE: The material in this presentation is general background information about the Bank’s activities current at the date of the presentation. It is information given in summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. These should be considered, with or without professional advice when deciding if an investment is appropriate
This presentation may contain forward-looking statements including statements regarding our intent, belief or current expectations with respect to ANZ’s business and operations, market conditions, results of operations and financial condition, capital adequacy, specific provisions and risk management practices. When used in this presentation, the words “estimate”, “project”, “intend”, “anticipate”, “believe”, “expect”, “should” and similar expressions, as they relate to ANZ and its management, are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. Such statements constitute “forward-looking statements” for the purposes of the United States Private Securities Litigation Reform Act of 1995. ANZ does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events.
shareholder.anz.com
Equity Investors
Jill Campbell
Group General Manager Investor Relations +61 3 8654 7749
+61 412 047 448 [email protected]
Cameron Davis
Katherine Hird
Executive Manager Investor Relations Senior Manager Investor Relations +61 3 8654 7716 +61 3 8655 3261 +61 421 613 819 +61 435 965 899 [email protected] [email protected]
Retail Investors
Debt Investors
Michelle Weerakoon
Manager Shareholder Services & Events +61 3 8654 7682 +61 411 143 090 [email protected]
Scott Gifford
Head of Debt Investor Relations +61 3 8655 5683 +61 434 076 876 [email protected]
Mary Karavias
Associate Director, Debt Investor Relations +61 3 8655 4318 +61 421 865 953 [email protected]
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