Figures in AUD millions
(unless indicated otherwise)		 AU ANZ Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd. Australia and New Zealand Banking Group Ltd.
Year   1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004[1]
Year end   September September September September September September September September September September September September September September September September September September September September September September September September September September
P&L data  
Gross interest   1,729.1 2,381.5 [2] 2,562.5 2,713.5 4,537.0 5,600 6,437 6,634 [3] 8,267 10,194 10,180 8,073 6,906 6,485 8,310 9,286 9,431 9,499 11,061 10,241 10,251 9,037 10,215 14,117
Gross interest expense   587.9 856.6 1,097.0 1,670.3 [4] 1,747.8 1,763.0 3,301.0 4,264 [5] 4,791 4,554 [6] 5,921 7,713 7,578 5,635 4,365 3,685 5,229 5,969 6,018 5,952 7,406 6,440 6,418 5,019 5,904 8,863
Net interest income   635.2 795.6 632.1 711.2 814.7 950.4 1,236.0 1,336 1,646 2,080 2,346 2,481 2,602 2,438 2,541 2,800 3,081 3,317 3,413 3,547 3,655 3,801 3,833 4,018 4,311 5,254
Other operating income   297.9 367.6 417.1 562.5 787.0 1,107 1,309 1,480 1,670 1,760 2,067 2,120 2,034 1,969 1,975 2,096 2,415 2,142 2,377 2,583 2,573 2,970 2,808 3,391
  Impaired asset exp./(credit)     25.6 29.8 63.9 75.1 59.6 85.0 [7] 197 332 [8] 265 529 [9] 793 1,092 2,032 702 [10] 418 [11] 174 154 287 487 510 502 531 860 614 632
Total operating income   635.2 770.0 900.2 1,014.9 1,156.7 1,453.3 1,938.0 2,246 2,623 3,295 3,487 3,448 3,577 2,526 3,873 4,351 4,882 5,259 5,541 5,202 5,522 5,882 5,875 6,128 6,505 8,013
 
Personnel cost   1,021 1,162 1,285 1,402 1,517 1,481 1,420 1,468 1,610 1,805 1,949 1,854 1,732 1,758 1,676 1,714 1,750 2,131
  Other operating expenses   431.2 537.1 575.8 693.7 795.3 943.0 1,349.0 1,666 946 1,171 1,272 1,446 1,597 1,754 1,793 1,678 1,724 1,839 1,834 1,588 1,568 1,556 1,416 1,191 1,478 1,895
Total operating expense   431.2 537.1 575.8 693.7 795.3 943.0 1,349.0 1,666 1,967 2,333 2,557 2,848 3,114 3,234 3,213 3,146 3,334 3,644 3,783 3,442 3,300 3,314 3,092 2,905 3,228 4,026
Tax expense (credit)   117.6 143.4 133.6 154.9 230.2 271.0 246 428 456 400 186 193 (133) 193 395 505 490 579 576 736 863 911 898 926 1,168
  Other credit (expense)   (88.2) 38.9 29.3 7.4 (0.1) (146.8) 0.0 (151) 172 124 (178) (191) 1 2 (213) 19 19 [12] 0 (147)[13] (69)[14] 0 44 0 0 0 0
Net surplus (pre-minorities)   115.8 154.2 210.3 195.0 206.4 133.2 318.0 183 400 630 352 222 271 (574) 254 829 1,062 1,125 1,032 1,115 1,486 1,749 1,872 2,325 2,351 2,819
  Minorities, other   (0.8) (5.1) (5.6) (7.2) (8.6) (11.0) (16.0) (19) (1) (1) (1) (1) (4) (5) (8) (7) (10) (9) (8) (9) (6) (2) (2) (3) (3) (4)
Net surplus (post minorities)   114.9 149.1 204.7 187.8 197.8 122.2 302.0 164 399 629 351 221 267 (579) 246 822 1,052 1,116 1,024 1,106 1,480 1,747 1,870 2,322 2,348 2,815
 
Dividends   29.2 37.4 53.5 58.5 63.1 86.3 103.7 133 129 246 555 320 186 282 304 393 504 584 695 747 886 1,043 1,181 1,369 743 1,696
 
Balance sheet data  
Loans and advances   6,731.7 9,033.0 [15] 10,429.9 13,111.2 [16] 13,546.5 [17] 20,825.0 25,314.0 30,661 33,051 35,885 43,648 52,164 53,773 55,767 56,284 59,935 68,216 75,901 84,148 94,457 104,063 116,315 123,657 132,060 149,465 204,962
  Other assets   5,031.6 5,427.7 6,333.5 7,617.8 9,179.9 15,029.7 17,468.0 25,970 32,259 37,889 40,976 47,136 44,439 45,371 46,761 43,939 44,371 51,703 54,093 58,758 48,738 56,152 61,836 51,045 46,126 54,383
Total assets   11,763.3 14,460.7 16,763.4 20,729.0 22,726.4 35,854.7 42,782.0 56,631 65,310 73,773 84,624 99,300 98,212 101,138 103,045 103,874 112,587 127,604 138,241 153,215 152,801 172,467 185,493 183,105 195,591 259,345
 
Starting equity   638.2 798.0 943.3 1,085.3 1,223.9 1,818.5 2,214 2,736 3,143 3,911 4,009 4,323 5,018 4,591 5,133 5,504 5,747 6,336 6,993 8,391 9,429 9,807 10,551 11,465 13,787
 + surplus - dividends   111.7 151.2 129.3 134.7 35.9 198.3 31 270 383 (204) (99) 81 (861) (58) 429 548 532 329 359 594 704 689 953 1,605 1,119
  other transactions     48.1 [18] (5.9) 12.7 3.9 558.7 [19] 197.2 [20] 491 [21] 137 385 [22] 302 [23] 413 [24] 614 [25] 434 [26] 600 [27] (58)[28] (305)[29] 57 328 [30] 1,039 [31] 444 [32] (326)[33] 55 (39) 717 [34] 3,019 [35]
Total shareholder's equity   638.2 798.0 943.3 1,085.3 1,223.9 1,818.5 2,214.0 2,736 3,143 3,911 4,009 4,323 5,018 4,591 5,133 5,504 5,747 6,336 6,993 8,391 9,429 9,807 10,551 11,465 13,787 17,925
 
Capital adequacy  
Risk weighted assets (RWA)   67,944 74,223 82,053 80,706 80,721 76,860 76,027 83,076 93,517 106,147 116,096 118,037 129,688 139,129 141,390 152,164 196,664
 
Tier 1 Capital   3,861 3,910 4,159 4,847 3,871 4,546 5,164 5,503 6,273 6,972 8,309 9,329 9,640 10,387 11,201 11,740 13,566
Tier  2 Capital   3,910 2,554 2,997 3,233 3,506 3,936 3,648 3,834 4,023 4,030 4,392 3,917 4,408 4,557 3,937 6,065 7,844
Adjustments                     0 0 (65) (116)[36] (119)[37] (203)[38] (248)[39] (302)[40] (476) (587) (305) (584) (787) (604) (1,703) (920) (1,019)
Qualifying capital   0.0 0.0 0.0 0.0 0.0 0.0 0.0 0 0 7,770 6,464 7,091 7,965 7,258 8,279 8,564 9,035 9,820 10,415 12,396 12,662 13,261 14,340 13,435 16,885 20,391
Tier One / RWA (%)   5.68% 5.27% 5.07% 6.01% 4.80% 5.91% 6.79% 6.62% 6.71% 6.57% 7.16% 7.90% 7.43% 7.47% 7.92% 7.72% 6.90%
Tier I + II / RWA (%)   11.44% 8.71% 8.64% 9.87% 8.99% 10.77% 11.26% 10.88% 10.50% 9.81% 10.68% 10.73% 10.23% 10.31% 9.50% 11.10% 10.37%
 
Assets in Basel I risk buckets[41]  
0% Cash and short term claims on Government   17,158 [42] 23,432 [43] 22,015 24,497 28,173 21,188 19,817 24,467
10% Long term claims on Government  
20% Claims on banks   17,085 6,307 5,665 10,510 12,831 10,827 8,350 12,593
50% Residential mortgages   30,948 36,112 43,442 53,543 57,420 65,575 76,711 106,013
100% Other                                       73,050 74,851 75,547 78,868 84,283 82,697 88,042 113,218  
On-balance RWA   94,168 98,401 107,742 115,559 117,650 128,068
Off-balance RWA   21,928 19,636 21,947 23,570 23,740 24,097
 
Asset quality / provisioning  
Non-accrual assets (impaired)[44]   1,544 [45] 2,686 [46] 5,395 5,737 4,820 [47] 3,017 1,885 1,340 960 1,770 1,641 1,465 1,302 1,258 1,046 922
Past due assets                       164 [48] 449 711 474 339 155 153 212 243 283 283 406 351 216 213 293
Total past due & impaired   1,708 3,135 6,106 6,211 5,160 3,172 2,038 1,552 1,203 2,053 1,924 1,871 1,653 1,474 1,259 1,215
 
Provisions specific   56.5 54.5 48.2 96.4 116.9 277.3 [49] 317.9 518 437 450 578 1,139 1,453 2,405 2,125 1,085 702 509 453 819 907 709 500 585 484 384
Provisions general   60.5 [50] 75.3 [51] 79.8 [52] 86.9 [53] 95.9 [54] 274.6 [55] 307.4 [56] 299 [57] 493 [58] 499 709 576 541 933 565 567 678 709 918 1,401 1,395 1,373 1,386 1,496 1,534 1,992
Provisions total   117.0 129.8 128.0 183.3 212.8 551.9 [59] 625.3 817 930 948 1,287 1,715 1,993 3,338 2,690 1,652 1,380 1,218 1,371 2,220 [60] 2,302 2,082 1,886 2,081 2,018 2,376
 
Starting Provision   117.0 129.8 128.0 183.3 212.8 551.9 625 817 930 948 1,287 1,715 1,993 3,338 2,690 1,652 1,380 1,218 1,371 2,220 2,302 2,082 1,886 2,081 2,018
Bad debt written off   (19.7) (28.5) (18.9) (48.5) (40.1) (76.1)[61] (100) (199) (196) (264) (527) (862) (757) (1,440) (1,427) (497) (346) (199) (221) (382) (539) (834) (697) (640) (680)
Recovery bad debt   3.7 4.1 4.9 3.5 8.8 8.3 12 16 16 33 29 19 37 71 88 52 46 49 37 33 46 75 60 61 82
Charge/(Credit) Income Stmt.   25.6 29.8 63.9 75.1 59.6 85.0 197 332 265 529 793 1,092 2,032 702 418 174 154 287 487 510 502 531 860 614 632
  Other transactions     3.2 (7.2) 5.4 (0.6) 310.8 [62] 56.1 [63] 83 [64] (38) (67)[65] 42 133 [66] 29 33 20 (117)[67] (1) (16) 16 [68] 546 [69] (79)[70] (229)[71] 32 [72] (28)[73] (98)[74] 324 [75]
Ending provision   129.8 128.0 183.3 212.8 551.9 625.3 817 930 948 1,287 1,715 1,993 3,338 2,690 1,652 1,380 1,218 1,371 2,220 2,302 2,082 1,886 2,081 2,018 2,376
 
Details impaired asset charge  
Specific Prov. Additions[76]   17.7 27.0 63.0 69.3 38.1 58.5 177 140 237 334 818 1,056 [77] 1,637 713 456 115 163 135 549 515 429 595 788 588 525
General Prov. Additions   11.6 6.9 5.8 9.3 30.3 16.4 32 208 43 7 5 16 337 5 13 111 37 201 (25) 28 119 11 132 87 189
Direct Write-offs   NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR
Recoveries   (4) (4) (5) (4) (9) (8) (12) (16) (16) (33) (29) (19) (37) (71) (88) (52) (46) (49) (37) (33) (46) (75) (60) (61) (82)
other     0 (0) 0 0 0 18 [78] 0 0 0 221 [79] (0) 39 [80] 95 [81] 55 [82] 37 [83] 0 0 0 0 0 0 0 0 0 0
Total charge   26 30 64 75 60 85 197 332 265 529 793 1,092 2,032 702 418 174 154 287 487 510 502 531 860 614 632
 
Write-off geography  
Domestic loans (gross)   6,849 9,163 10,558 13,294 13,759 21,377 15,028 19,155 21,188 24,246 30,927 38,880 39,771 41,561 40,624 43,290 46,574 50,073 55,067 63,441 74,069 87,785 91,308 101,330 120,016 139,004
Overseas loans   10,911 [84] 12,323 [85] 12,793 12,587 14,009 14,999 15,996 17,544 18,350 18,297 23,022 27,046 30,452 33,236 32,296 30,612 34,235 32,811 31,467 68,334
 
Domestic write-offs   0 20 28 19 49 40 76 64 100 148 172 183 645 583 1,100 969 416 301 144 174 222 275 508 468 314 468
Overseas write-offs   36 [86] 99 48 92 344 217 174 340 458 81 45 55 47 160 264 326 229 326 212 [87]
 
Typology Code Loan Loss Reporting[88]   STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/WS/RS STK-SG/SG/W-SG/RS STK-SG/SG/W-SG/RS STK-SG/SG/W-SG/RS STK-SG/SG/W-SG/RS STK-SG/SG/W-SG/R-SG[89] STK-SG/SG/WS/RS STK-SG/SG/WS/RP STK-SG/SG/WS/RP STK-SG/SG/WS/RP STK-SG/G/WS/RG STK-SG/G/WS/RG STK-SG/G/WS/RG STK-SG/G/WS/RG STK-SG/G/WS/RG STK-SG/G/WS/RG STK-SG/G/WS/RG
 
Details Operating Expenses  
Total operating expenses                   1,967 2,333 2,557 2,848 3,114 3,234 3,213 3,146 3,334 3,644 3,783 3,442 3,300 3,314 3,092 2,905 3,228 4,026  
thereoff  
Personnel   1,021 1,162 1,285 1,402 1,517 1,481 1,420 1,468 1,610 1,805 1,949 1,854 1,732 1,758 1,676 1,714 1,750 2,131
Premises   247.3[90] 236.6[91] 286.8[92] 346.3[93] 407 [94] 441 [95] 438 [96] 401 401 385 362 347 314 294 285 299 295 353
Computer   170.7 196 253.4 267.7 291 331 303 282 310 328 330 341 344 343 364 424 465 553
Other / not reported (plug)   528 739 732 832 899 982 1,052 995 1,013 1,126 1,142 900 910 919 767 468 718 989
 
Non-financial data  
Employee number (FTE)[97]   20,686 22,869 23,778 24,393 25,991 36,789 38,031 39,018[98] 41,187[99] 42,445[100] 47,009[101] 48,182[102] 46,261 43,977 40,277 39,642 39,240 39,721 36,830 32,072 30,171 23,134 22,501 22,482 23,137 28,755[103]
Banking outlets[104]   1,402 1,392 1,414 1,439 1,649 1,657 1,657 1,690 1,735 2,080 2,431 2,367 2,302 2,136 2,026 1,881 1,744 1,473 1,205 1,147 1,087 1,056 1,018 1,019 1,190
Auditors   Peat Marwick, Mitchell Peat Marwick, Mitchell Peat Marwick, Mitchell Peat Marwick, Mitchell Peat Marwick, Mitchell Peat Marwick, Mitchell Peat Marwick, Mitchell Peat Marwick Hungerfords Peat Marwick Hungerfords Peat Marwick Hungerfords KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG
Basis of reporting   Companies (Victoria) Code Companies (Victoria) Code Companies (Victoria) Code Companies (Victoria) Code Corporations Law, Banking Act
 
Performance ratios (in %)  
Return on assets[105]   1.14% 1.31% 1.00% 0.91% 0.42% 0.77% 0.33% 0.65% 0.90% 0.44% 0.24% 0.27% -0.58% 0.24% 0.79% 0.97% 0.93% 0.77% 0.76% 0.97% 1.07% 1.04% 1.26% 1.24% 1.24%
Return on equity[106]   20.8% 23.5% 18.5% 17.1% 8.0% 15.0% 6.6% 13.6% 17.8% 8.9% 5.3% 5.7% -12.1% 5.1% 15.5% 18.7% 18.5% 15.4% 14.4% 16.6% 18.2% 18.4% 21.1% 18.6% 17.8%
Cost income ratio[107]   67.5% 61.9% 64.3% 64.6% 62.3% 66.7% 68.2% 66.6% 65.5% 63.7% 67.2% 66.7% 71.0% 70.2% 66.0% 65.9% 67.3% 64.9% 60.5% 54.7% 51.9% 48.3% 41.6% 45.3% 46.6%
Dividend payout ratio   25.1% 26.1% 31.1% 31.9% 70.6% 34.3% 81.2% 32.4% 39.2% 158.1% 144.7% 69.7% -48.7% 123.4% 47.8% 47.9% 52.3% 67.9% 67.5% 59.9% 59.7% 63.2% 59.0% 31.6% 60.2%
 
Loan growth annualized   25.5% 13.4% 20.5% 3.2% 35.0% 17.7% 17.4% 7.2% 7.9% 17.8% 16.3% 3.0% 3.6% 0.9% 6.1% 12.1% 10.1% 9.8% 10.9% 9.2% 10.5% 5.9% 6.4% 11.6% 27.1%
Provisions total as % of Loans   1.44% 1.23% 1.40% 1.57% 2.65% 2.47% 2.67% 2.81% 2.64% 2.95% 3.29% 3.71% 5.98% 4.78% 2.76% 2.02% 1.60% 1.63% 2.35% 2.21% 1.79% 1.53% 1.58% 1.35% 1.16%
Debt write-offs as % of Loans   0.22% 0.27% 0.14% 0.36% 0.19% 0.30% 0.33% 0.60% 0.55% 0.61% 1.01% 1.60% 1.36% 2.56% 2.38% 0.73% 0.46% 0.24% 0.23% 0.37% 0.46% 0.67% 0.53% 0.43% 0.33%
 
Net interest margin   n.m. 4.05% 3.79% 3.75% 3.24% 3.14% 2.69% 2.70% 2.99% 2.96% 2.70% 2.63% 2.45% 2.49% 2.71% 2.85% 2.76% 2.57% 2.43% 2.39% 2.34% 2.14% 2.18% 2.28% 2.31%
Net interest margin (reported)[108]   3.90% 3.90% 3.50% 3.20% 3.07% 3.17% 3.40% 3.42% 3.35% 3.05% 2.97% 3.05% 2.87% 2.77% 2.77% 2.67% 2.49%
Rate interest earning assets[109]   14.30% 14.30% 12.51% 9.94% 8.40% 8.6%[110] 9.9%[111] 9.33% 8.37% 7.94% 7.24% 7.71% 7.38% 6.21% 6.31% 6.67%
 
Adjusted data  
Annualized operating income   770.0 900.2 1,014.9 1,156.7 1,453.3 1,938.0 2,246.0 2,623.0 3,295.2 3,487.4 3,447.5 3,576.8 2,525.6 3,873.0 4,350.8 4,882.0 5,259.0 5,541.0 5,202.0 5,522.0 5,882.0 5,875.0 6,128.0 6,505.0 8,013.0
Annualized net surplus   149.1 204.7 187.8 197.8 122.2 302.0 164.0 399.0 629.0 351.0 221.0 267.0 (579.0) 246.3 822.0 1,052.0 1,116.0 1,024.0 1,106.0 1,480.0 1,747.0 1,870.0 2,322.0 2,348.0 2,815.0
Annualized net debt write offs   (16.0) (24.4) (14.0) (45.0) (31.3) (67.8) (87.7) (182.1) (179.8) (231.5) (497.9) (842.7) (720.4) (1,369.1) (1,339.0) (445.0) (300.0) (150.0) (184.0) (349.0) (493.0) (759.0) (637.0) (579.0) (598.0)
Annualized bad debt charges to P&L   25.6 29.8 63.9 75.1 59.6 85.0 197.0 332.0 264.8 528.8 793.0 1,092.2 2,032.1 701.6 418.2 174.0 154.0 287.0 487.0 510.0 502.0 531.0 860.0 614.0 632.0
 
Average assets   13,112.0 15,612.0 18,746.2 21,727.7 29,290.6 39,318.4 49,706.5 60,970.5 69,541.5 79,198.5 91,962.0 98,756.0 99,675.0 102,091.5 103,459.5 108,230.5 120,095.5 132,922.5 145,728.0 153,008.0 162,634.0 178,980.0 184,299.0 189,348.0 227,468.0
Average loans   7,882.4 9,731.5 11,770.6 13,328.9 17,185.8 23,069.5 27,987.3 31,855.7 34,467.6 39,766.4 47,906.2 52,968.6 54,770.1 56,025.7 58,109.8 64,075.7 72,058.5 80,024.5 89,302.5 99,260.0 110,189.0 119,986.0 127,858.5 140,762.5 177,213.5
Average equity   718.1 870.6 1,014.3 1,154.6 1,521.2 2,016.3 2,475.0 2,939.5 3,527.0 3,960.0 4,166.0 4,670.5 4,804.5 4,862.0 5,318.5 5,625.5 6,041.5 6,664.5 7,692.0 8,910.0 9,618.0 10,179.0 11,008.0 12,626.0 15,856.0
 
Typology Loan Loss Reporting  
Stock of provisions   STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG STK-SG
Activity in provisions account  
Charges to P&L from …   SG SG SG SG SG SG SG SG SG SG SG SG SG SG SG SG SG SG G G G G G G G
Write-downs   WS WS WS WS WS WS WS WS WS W-SG W-SG W-SG W-SG W-SG WS WS WS WS WS WS WS WS WS WS WS
Recoveries   RS RS RS RS RS RS RS RS RS RS RS RS RS R-SG RS RP RP RP RG RG RG RG RG RG RG
Support Data  
Net debt write offs (not annualized)   (16.0) (24.4) (14.0) (45.0) (31.3) (67.8) (87.7) (182.1) (179.8) (231.5) (497.9) (842.7) (720.4) (1,369.1) (1,339.0) (445.0) (300.0) (150.0) (184.0) (349.0) (493.0) (759.0) (637.0) (579.0) (598.0)
Bad debt charges to P&L (not annualized)    25.6 29.8 63.9 75.1 59.6 85.0 197.0 332.0 264.8 528.8 793.0 1,092.2 2,032.1 701.6 418.2 174.0 154.0 287.0 487.0 510.0 502.0 531.0 860.0 614.0 632.0
 
Data ID End Point   AU ANZ 1979 AU ANZ 1980 AU ANZ 1981 AU ANZ 1982 AU ANZ 1983 AU ANZ 1984 AU ANZ 1985 AU ANZ 1986 AU ANZ 1987 AU ANZ 1988 AU ANZ 1989 AU ANZ 1990 AU ANZ 1991 AU ANZ 1992 AU ANZ 1993 AU ANZ 1994 AU ANZ 1995 AU ANZ 1996 AU ANZ 1997 AU ANZ 1998 AU ANZ 1999 AU ANZ 2000 AU ANZ 2001 AU ANZ 2002 AU ANZ 2003 AU ANZ 2004
Short name   AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ AU ANZ
End Point   1980.750 1981.750 1982.750 1983.750 1984.750 1985.750 1986.750 1987.750 1988.750 1989.750 1990.750 1991.750 1992.750 1993.750 1994.750 1995.750 1996.750 1997.750 1998.750 1999.750 2000.750 2001.750 2002.750 2003.750 2004.750
Mid Point   1980.250 1981.250 1982.250 1983.250 1984.250 1985.250 1986.250 1987.250 1988.250 1989.250 1990.250 1991.250 1992.250 1993.250 1994.250 1995.250 1996.250 1997.250 1998.250 1999.250 2000.250 2001.250 2002.250 2003.250 2004.250
Year End Point   1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
Year Mid Point   1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
Interval   1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Accounting policies  
Exchange rate GBP per NZD  
 
       
Concentration of credit risk (Loans)                                                      
Australia   43,978 [112] 42,699 44,767 48,272 51,923 56,572 64,675 75,255 89,020 92,455 102,538 121,320 140,480
Agriculture, forestry, fishing and mining   1,889 1,802 1,884 1,721 2,038 2,716 3,648 4,288 4,157 3,500 3,436 3,829 4,592
Business service   727 759 851 1,053 950 1,488 2,632 1,717 2,206 2,044 2,120 2,632 3,346
Entertainment, leisure and tourism   896 894 827 1,079 1,302 1,392 1,952 2,007 2,062 2,293 2,465 2,632 3,660
Financial, investment and insurance   2,333 1,638 2,359 2,106 2,472 3,997 4,501 4,438 5,532 4,311 4,603 4,966 3,548
Government and official institutions   327 205 345 104 70 68 63 106 103 122 67 51 126
Lease finance   3,610 3,212 3,179 3,138 3,116 3,152 3,505 3,585 2,821 2,524 2,503 2,613 2,667
Manufacturing   2,006 1,948 1,752 2,639 2,998 2,446 2,586 3,815 4,236 4,034 4,303 5,366 4,734
Personal[113]   6,357 6,252 6,379 7,109 7,384 6,229 7,112 9,280 12,728 13,435 14,893 15,648 19,492
Real estate – construction   1,022 774 704 817 857 1,216 1,293 1,376 1,376 1,198 1,152 1,767 2,368
Real estate – mortgage3[114]   19,245 19,676 21,674 22,734 23,518 26,095 28,924 35,862 43,912 49,127 57,049 69,660 81,771
Retail and wholesale trade   3,309 3,497 3,362 3,615 4,210 4,375 4,860 4,946 5,691 6,017 5,957 6,821 7,626
Other   2,257 2,042 1,451 2,157 3,008 3,398 3,599 3,835 4,196 3,850 3,990 5,335 6,550
 
Credit risk exposure overseas                 Total Overseas         17,544 18,350 18,297 23,022 27,046 30,452 33,236 32,296 30,612 34,235 32,811 31,467 68,334
 
Total write-offs by industry                             162 0 0 0 0 0 0 0 0 0 0 0 0
Australia   (595) (1,440) (1,427) (497) (346) (199) (221) (382) (539) (834) (697) (640) (680)
Agriculture, forestry, fishing and mining   (37) (55) (75) (19) (11) (5) (4) (6) (12) (14) (72) (4) (86)
Business service   (56) (75) (52) (11) (17) (3) (4) (4) (5) (6) (8) (11) (4)
Entertainment, leisure and tourism   (21) (22) (95) (29) (19) (11) (3) (3) (10) (5) (4) (3) (5)
Financial, investment and insurance   (36) (49) (34) (11) (8) (8) (3) (28) (3) (7) (8) (9) 0
Lease finance   (28) (53) (26) (45) (12) (5) (5) (5) (9) (11) (7) (22) (2)
Manufacturing   (45) (46) (79) (41) (49) (10) (11) (18) (11) (22) (17) (10) (15)
Personal   (48) (91) (42) (47) (46) (55) (81) (67) (133) (292) (237) (177) (203)
Real estate – construction   (16) (22) (36) (6) (6) (6) (5) (8) (5) (13) (12) (10) (2)
Real estate – mortgage   (206) (576) (382) (102) (77) (26) (40) (16) (51) (13) (19) (11) (8)
Retail and wholesale trade   (64) (93) (127) (50) (33) (11) (14) (19) (28) (97) (47) (42) (38)
Other   (38) (18) (21) (55) (23) (4) (4) (48) (8) (28) (37) (15) (105)
Write-offs Overseas                 Overseas           (174) (340) (458) (81) (45) (55) (47) (160) (264) (326) (229) (326) (212)
 
 
p.m. depreciation equipment  

[1]
Kurt Hess:
Results include effect of NZ NBNZ acquisition effective 1 Dec 2003.
[2]
Kurt Hess:
From 1983 report. Slightly different figures in 1982 report.
[3]
Kurt Hess:
Data from 1989 report.
[4]
Kurt Hess:
From 1983 report. Slightly different figures in 1982 report.
[5]
Kurt Hess:
From 1987 report.
[6]
Kurt Hess:
Data from 1989 report.
[7]
Kurt Hess:
Includes abnormal item "credit from changed basis of accounting for bad and doubtful debt"
[8]
Kurt Hess:
Form footnote 2, p. 8, 1987 annual report. Includes "abnormal item" addition to general provisions.
[9]
Kurt Hess:
Includes bad & doubtful debt as component of abnormal items. Sourced from footnote 15, annual report 1990.
[10]
Kurt Hess:
Includes restructuring costs.
[11]
Kurt Hess:
Includes restructuring costs.
[12]
Kurt Hess:
Abnormal tax benefit (decrease deferred taxes as a consequence of higher corporate tax rate.
[13]
Kurt Hess:
Mainly losses relating to dispute with National Housing Bank (India) wich concerns a claim against ANZ Grindlays
[14]
Kurt Hess:
Mainly write-down of residual emerging markets securities portfolio
[15]
Kurt Hess:
data from 1981 report.
[16]
Kurt Hess:
Data from  1983 report.
[17]
Kurt Hess:
Data from  1984 report.
[18]
Kurt Hess:
Issue of shares "The Bank of Adelaide" acquisition and revaluation NZ assets.
[19]
Kurt Hess:
Combined effect of revaluation of properties and proceeds from issue of shares.
[20]
Kurt Hess:
Currency translation and revaluation of properties.
[21]
Kurt Hess:
Share issues and currency translations
[22]
Kurt Hess:
Mainly effect of 1:6 rights issue.
[23]
Kurt Hess:
Share issue and property revaluations.
[24]
Kurt Hess:
Share issue and property revaluations.
[25]
Kurt Hess:
Mainly effect of Preference Share Issue.
[26]
Kurt Hess:
mainly effect of rights issue.
[27]
Kurt Hess:
mainly effect of rights issue.
[28]
Kurt Hess:
Share issue and dividend reinvestment ($122m + $34m) minus currency translation adjustments ($229m)
[29]
Kurt Hess:
Net effect of share buy-backs
[30]
Kurt Hess:
Mainly premium on issue of new shares
[31]
Kurt Hess:
Mainly new issue preference shares
[32]
Kurt Hess:
Mainly new issue preference shares
[33]
Kurt Hess:
Mainly effect of AUD 1 billion share buyback
[34]
Kurt Hess:
Mainly new equity issued in the form of ANZ Stapled Exchangable Preferred Securities.
[35]
Kurt Hess:
Mainly effect of rights issue in connection with acquisition of National Bank (NZ)
[36]
Kurt Hess:
Investment in ANZ Life and bank shareholdings
[37]
Kurt Hess:
Investment in ANZ Life
[38]
Kurt Hess:
Investment in ANZ Life
[39]
Kurt Hess:
Investment in ANZ Life
[40]
Kurt Hess:
Investment in ANZ Life
[41]
Kurt Hess:
On-balance sheet assets only
[42]
Kurt Hess:
Data from 1998 report. ANZ does not disclose this breakdown in  pre-1998 reports.
[43]
Kurt Hess:
Change in APRA rules: effective 28/8/1998 claims on Australian Commonwealth, State and Territory Governments are risk weighted at zero per cent irrespective of terms.
[44]
Kurt Hess:
Includes restructured loans, real estate owned (from repossessions)
[45]
Kurt Hess:
p. 15 in 1990 financial statements.
[46]
Kurt Hess:
Information annual reprot 1991. Slightly different figures in 1990 report.
[47]
Kurt Hess:
From 1994 annual report. Format of reporting this item changed between 1993 and 1994 report.
[48]
Kurt Hess:
from p. 43, 1990 financial statements.
[49]
Kurt Hess:
Data from 1985 report after restatement of provision balances (shift from specific to general provisions)
[50]
Kurt Hess:
Includes provisions for contingencies
[51]
Kurt Hess:
Includes provisions for contingencies
[52]
Kurt Hess:
Includes provisions for contingencies
[53]
Kurt Hess:
Includes provisions for contingencies
[54]
Kurt Hess:
Includes provisions for contingencies (footnote 9, 1984 report)
[55]
Kurt Hess:
Includes provisions for contingencies (footnote 9, 1984 report)
[56]
Kurt Hess:
Includes provisions for contingencies (footnote 10, 1985 report)
[57]
Kurt Hess:
Includes provisions for contingencies (footnote 10, 1985 report)
[58]
Kurt Hess:
Data from 1988 report.
[59]
Kurt Hess:
Data from 1985 report.
[60]
Kurt Hess:
Start of provision reporting based on "Economic Loss Provisions" (ELP).
ELP: expected average annual loss on principal over economic cycle.
[61]
Kurt Hess:
From 1986 report. Reported slightly lower in 1985 report.
[62]
Kurt Hess:
Mainly effect of provisions acquired (sovereign risk Grindlays Holdings plc.)
[63]
Kurt Hess:
Mainly exchange rate fluctuations.
[64]
Kurt Hess:
Mainly exchange rate fluctuations.
[65]
Kurt Hess:
Exchange rate fluctuations.
[66]
Kurt Hess:
Acquired provisions andtax effects.
[67]
Kurt Hess:
For the most part exchange rate fluctuations
[68]
Kurt Hess:
Exchange rate fluctuations
[69]
Kurt Hess:
Exchange rate fluctuations
[70]
Kurt Hess:
Exchange rate fluctuations
[71]
Kurt Hess:
Reduction from sale of Grindlays
[72]
Kurt Hess:
Exchange rate fluctuations
[73]
Kurt Hess:
Exchange rate fluctuations
[74]
Kurt Hess:
Exchange rate fluctuations
[75]
Mainly acquisition of provisions in connection of NBNZ takeover.
[76]
Kurt Hess:
Including recoveries
[77]
Kurt Hess:
Reported as AUD 1,053 in 1991 annual report.
[78]
Kurt Hess:
Abnormal item "credit from changed basis of accounting for bad and doubtful debt"
[79]
Kurt Hess:
Bad & doubtful debt as component of abnormal items. Sourced from footnote 15, annual report 1990.
[80]
Kurt Hess:
Restructuring costs included in bad debt expense in this case.
[81]
Kurt Hess:
Restructuring costs included in bad debt expense in this case.
[82]
Kurt Hess:
Restructuring costs included in bad debt expense in this case.
[83]
Kurt Hess:
Restructuring costs included in bad debt expense in this case.
[84]
Kurt Hess:
Estimate based on segment reporting of assets (footnote 5, report 1986)
[85]
Kurt Hess:
from annual report 1990, p. 44
[86]
Kurt Hess:
from annual report 1990, p. 44
[87]
Kurt Hess:
from page 139 ANZ Financial Report
[88]
Kurt Hess:
This code classifies the format / method applied when reporting loan losses & provisions. Further explanation can be found under "Typology of Loan Loss Reporting"
[89]
Kurt Hess:
Write-offs & recoveries in general provisions only for country debt
[90]
Kurt Hess:
Excludes depreciation furniture and equipment.
[91]
Kurt Hess:
Excludes depreciation furniture and equipment.
[92]
Kurt Hess:
Excludes depreciation furniture and equipment.
[93]
Kurt Hess:
Excludes depreciation furniture and equipment.
[94]
Kurt Hess:
Excludes depreciation furniture and equipment.
[95]
Kurt Hess:
Excludes depreciation furniture and equipment.
[96]
Kurt Hess:
Excludes depreciation furniture and equipment.
[97]
Kurt Hess:
FTE: Full Time Equivalent if available. If full headcount numbers published only, this is disclosed in footnotes.
[98]
Kurt Hess:
full head count (not full time equivalent)
[99]
Kurt Hess:
full head count (not full time equivalent)
[100]
Kurt Hess:
full head count (not full time equivalent)
[101]
Kurt Hess:
full head count (not full time equivalent)
[102]
Kurt Hess:
Reported as 50,367 full and part-time emplyees in 1990 annual report.
[103]
Kurt Hess:
page 74 Annual Report
[104]
Kurt Hess:
Excluding agencies
[105]
Kurt Hess:
Net surplus over average beginning / end balance of assets
[106]
Kurt Hess:
Net surplus over average beginning / end balance of equity
[107]
Kurt Hess:
Operating cost over pre-provision operating income
[108]
Kurt Hess:
Interest margins based on interest earning assets as reported in notes ot annual report.
[109]
Kurt Hess:
Average interest rate earned on interest-bearing assets as disclosed in footnotes.
[110]
Kurt Hess:
Loan weighted average Australian and Overseas portfolio.
[111]
Kurt Hess:
Loan weighted average Australian and Overseas portfolio.
[112]
Kurt Hess:
From October 1, 1991 classification of loans by industry was changed.
[113]
Kurt Hess:
Personal includes non-business loans to individuals through overdrafts, personal loans, credit cards and fully drawn advances
[114]
Kurt Hess:
Real estate mortgage includes residential and commercial property exposure. Loans within this category are for the purchase of such properties and must be secured by property