Australia and New Zealand Banking Group Ltd. — Interim / Quarterly Report 2019

Apr 30, 2019

HALF YEAR 2019 FINANCIAL RESULTS

KEY FINANCIAL RESULTS1	KEY FINANCIAL RESULTS1
$3.56bCASH PROFIT+2%	12.0%RETURN ONEQUITY+13BPS	11.5%CET1 CAPITALRATIO+45BPS	80cINTERIMDIVIDENDPER SHAREFULLYFRANKED	124.8cCASH EARNINGSPER SHARE+5%
DIVISIONAL RESULTS2
$1.8b		AUSTRALIA		$4.8b
				REVENUE
CASH PROFIT-12%	$203.4b		$336.6b	-6%
	CUSTOMER		CUSTOMER
	DEPOSITS		LENDING
	0%	$1.8b	-1%
		EXPENSES
		-2%
$0.8bCASH PROFIT0%	$89.1bCUSTOMER	NEW ZEALAND(IN NZD)	$124.0bCUSTOMER	$1.8bREVENUE+1%
	DEPOSITS		LENDING
	+6%		+5%
		$0.6b
		EXPENSES
		+2%
$1.0bCASH PROFIT+33%	2.36%	INSTITUTIONAL	-21bps	$2.7bREVENUE+8%
	RISK ADJUSTED		CHANGE IN GROSS
	MARGIN3		IMPAIRED ASSETS
	+19BPS		(% OF GLA)
		$1.3b
		EXPENSES
		-4%

HIGHLIGHTS

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Business initiatives

Maintained digital wallet leadership with

>88m transactions in the last 12 months

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Introduced Increased the single home number of loan origination dedicated home system in loan assessors Australia to in Australia improve the to assist with application & enhanced assessment verification process

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Building trust, leading with purpose

Remediations[4] are being made faster. In some cases cutting time to make first customer payment by more than

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50%

$14.6b funded and facilitated in environmentally sustainable solutions since 2015

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Capital allocation & efficiency

Contributing Maintained strong to 5% liquidity and Completed increase in funding with the EPS average Liquidity $3b Coverage Ratio at and Net Stable share Funding Ratio at buyback 137% program

137% 115%

Finalised roll-out of New Ways of Working to Australia and Technology divisions, with more than

Funded and facilitated divisions, with more than $11.5b 9,000 in low carbon and sustainable people solutions[2] now Expense working control & in Agile productivity teams[5]

Through robotics and machine learning, reduced Institutional turnaround time by up to

40%

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in trade, credit and customer service

1. Presented on a Cash Profit Continuing Basis. Balance sheet as at 31 March 2019. Growth rate and basis point (bps) movements compare 1H19 to 1H18.

2. Presented on a Cash Profit Continuing Basis excluding large/notable items. Balance sheet as at 31 March 2019; growth rate and basis (bps) movements compare 1H19 to 1H18.

3. Excluding Markets business unit, calculated as net interest income divided by average credit risk weighted assets.

4. Refers to retail and commercial customer remediations in Australia Division.

5. Includes both internal and managed services resources.

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