Financial Data and Key Metrics Changes - Cash profit increased by 4% compared to the first half of the previous year but decreased by 3% half-on-half [10] - Return on equity (ROE) was reported at 10%, with a proposed dividend of AUD0.72 per share fully franked [11] - Common equity Tier 1 (CET1) ratio stood at 11.5%, indicating strong capitalization [11] - Total capital return to shareholders over the past five years reached AUD5.5 billion [11] Business Line Data and Key Metrics Changes - Institutional customer revenues grew significantly, with risk-adjusted lending margins increasing [24][62] - Australian home loan processing improved, with a modest growth in volume and a 30% increase in processing capacity [26][60] - New Zealand business showed growth across all lines, with home loan volumes up 7% and risk-adjusted margins improving by four basis points [74] Market Data and Key Metrics Changes - The institutional business experienced a revenue increase of 5% half-on-half, with strong lending momentum and a focus on profitable customers [62] - The markets revenue decreased to AUD812 million, but customer franchise revenue in core FX and commodities increased by 23% [65] Company Strategy and Development Direction - The company aims to build a group with four strong franchises, focusing on sustainable long-term growth and financial well-being [30][29] - ANZ Plus, a new retail banking platform, is being developed to improve customer financial well-being and drive market share growth [34] - The company is transitioning to a non-operating holding company structure to enhance agility and unlock shareholder value [37][39] Management's Comments on Operating Environment and Future Outlook - The management expressed optimism about returning to growth in home loans and the overall economic recovery [9][90] - There are expectations of margin expansion in a higher interest rate environment, although competition remains a significant factor [90][106] - The company is focused on long-term investments and maintaining a disciplined approach to risk management [93][88] Other Important Information - The company has released AUD371 million from collective provisions, reflecting an improved credit risk profile [82] - The capital management strategy remains a priority, with a 64% dividend payout ratio maintained [85] Q&A Session Summary Question: Guidance on expenses and margins - Management acknowledged the difficulty in providing fixed targets for expenses due to changing market conditions and inflation [100][102] Question: Mortgage book performance and ANZx platform readiness - Management confirmed that the mortgage book has seen growth but acknowledged the need for improved processing capacity, which has increased by 30% [120]

2021 FULL YEAR RESULTS FULL YEAR ENDED 30 SEPTEMBER 2021 RESULTS PRESENTATION AND INVESTOR DISCUSSION PACK 28 OCTOBER 2021 Approved for distribution by ANZ's Continuous Disclosure Committee Australia and New Zealand Banking Group Limited 9/833 Collins Street Docklands Victoria 3008 Australia ABN 11 005 357 522 DISCLAIMER & IMPORTANT NOTICE 1 The material in this presentation is general background information about ANZ's activities current as at the date of the presentation. It is information given in summar ...

Financial Data and Key Metrics Changes - Statutory profit increased by 72% with earnings per share up by 65% and return on equity just shy of 10% despite elevated capital levels [12][44] - Net tangible assets increased by 5% per share, and the Board declared a final dividend of $0.72 per share, totaling $0.142 for the year [12][44] Business Line Data and Key Metrics Changes - In Australia, Retail & Commercial delivered good margin performance with home loan revenue growing over 10%, although the total home loan book fell slightly in the second half [13][55] - New Zealand reported strong performance with revenue up 8% and cash profit up 41%, while total funds under management grew by 11% [18][61] - Institutional business showed strong performance with revenue excluding markets up 2% in the second half, and markets revenue at $1.94 billion [58][59] Market Data and Key Metrics Changes - The Australian home loan book grew by $3 billion for the year, but experienced a decline of $3 billion in the second half due to processing capacity issues [56][57] - Average customer deposits increased by $17 billion in the half, outpacing growth in customer lending [52] Company Strategy and Development Direction - The company is focused on building a more agile and open business centered around financial wellbeing, with significant investments in technology and simplification initiatives [25][27] - ANZ is positioning itself for long-term growth through strategic partnerships and investments in fintech and sustainable finance [30][31][66] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the economic rebound post-COVID, but acknowledged ongoing uncertainties including inflation and supply chain issues [5][9] - The company is well-capitalized and prepared to take advantage of opportunities, with a focus on restoring momentum in Australian home loans and launching ANZ Plus [70][71] Other Important Information - The company has made significant progress in reducing operational costs, achieving a 3% reduction in run-the-bank costs on a constant currency basis [34][64] - Investment spend increased by 23% to $1.8 billion, with a focus on growth and simplification initiatives [66] Q&A Session Summary Question: Clarification on cost targets and restructuring costs - Management clarified that the $8 billion cost aspiration includes normal restructuring costs, and some current restructuring is higher due to productivity outcomes [77][81] Question: Expense targets and market income pressures - Management acknowledged that while costs are expected to grow incrementally in FY2022, they aim to achieve an exit rate of $8 billion by FY2023, with confidence in BAU expenses [92][96] Question: Divergence in market income performance compared to peers - Management attributed better performance in market income to geographic and customer diversification, with a strong multinational segment [94][95]

Australia and New Zealand Banking Group Limited (ANZBY) Q2 2021 Results Conference Call May 4, 2021 8:00 PM ET Company Participants Jill Campbell - Head, IR Shayne Elliott - CEO Shane Buggle - Acting CFO Mark Whelan - Group Executive, Institutional Mark Hand - Group Executive Australia Retail & Commercial Banking Kevin Corbally - Group Chief Risk Officer Conference Call Participants Andrew Lyons - Goldman Sachs Ed Henning - CLSA Matt Wilson - Evans & Partners Brian Johnson - Jefferies Jarrod Martin - Credit ...

Australia and New Zealand Banking Group Ltd (ANZBY) Q4 2020 Earnings Conference Call October 28, 2020 7:00 PM ET Company Participants Jill Campbell - Group General Manager, IR Shayne Elliott - CEO & Executive Director Michelle Jablko - CFO Mark Hand - Group Executive Australia Retail & Commercial Banking Kevin Corbally - Group Chief Risk Officer Mark Whelan - Group Executive, Institutional Conference Call Participants Andrew Lyons - Goldman Sachs Group Ed Henning - CLSA Limited Matthew Wilson - E&P Victor G ...

Financial Data and Key Metrics Changes - The company reported an unaudited statutory profit for the quarter of $1.3 billion and a cash profit of $1.5 billion [14] - Common equity Tier 1 capital stands strong at 11.3% on a pro forma basis, without needing to raise additional capital from shareholders [14][29] - Pre-provision profit increased by 6% for the quarter, contributing 43 basis points to capital generation [30] Business Line Data and Key Metrics Changes - Australian home loans outperformed, with customers increasing savings and paying down credit card debt [17] - The markets business saw a 60% increase compared to the first-half quarterly average due to strong customer flows and underlying volatility [18] - Costs were down 1% for the quarter, attributed to disciplined cost management despite record investments in the business [20] Market Data and Key Metrics Changes - The company noted that while Victoria is facing challenges, Western Australia is performing well with stable iron ore prices, and parts of Queensland are showing recovery in agriculture [10] - The performance of the Institutional and International business highlighted the benefits of a diverse portfolio, with significant capital benefits from loan repayments [19] Company Strategy and Development Direction - The company aims to support customers through the pandemic while balancing shareholder interests and employee safety [9] - There is a focus on maintaining a strong balance sheet and liquidity, with a commitment to prudent investments in technology and customer support [12][22] - The company has taken a cautious approach to credit reserves, particularly in small business and commercial property segments [15] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the ongoing challenges posed by COVID-19 but expressed confidence in the company's ability to navigate the crisis due to its strong capital position [12][14] - The company is adapting to a "COVID work-life" and is prepared to make real-time decisions to manage changes in the operating environment [11] - Management emphasized the importance of customer support, having already assisted around 200,000 customers with their loans [23] Other Important Information - The company announced an interim dividend of $0.25 per share, fully franked, reflecting a balance between supporting shareholders and maintaining a strong capital position [16][40] - The company has made significant investments in big data and real-time monitoring systems to better respond to customer needs [22] Q&A Session Summary Question: Commentary on net interest income and competition - Management noted that liquids had a 3 basis points impact on margin, with an increase of about $13 billion in liquids for the quarter [47] - The underlying margin was 7 basis points better than the headline margin due to various factors including low rates and changes in loan mix [48][49] Question: Proportion of deferred customers seeking extensions - Management indicated that they do not have a clear sense of how many deferred customers may seek extensions, but they are in contact with all customers to discuss options [50][51] Question: Trends in institutional borrowers and market income - Management expects a flat to down trend in institutional borrower repayments, depending on capital market conditions [62][66] - The markets business is expected to remain buoyant, although not as volatile as before, with strong performance continuing into the fourth quarter [68][70] Question: Details on SME loan deferrals and collateral - The majority of SME loans on deferral are secured by residential or commercial properties, with a focus on supporting good businesses affected by external circumstances [74][80] Question: Urgency of paying dividends now - Management justified the decision to pay a modest dividend based on strong capital generation and the need to support shareholders, particularly retirees [88][92] Question: Tail risk for customers on deferral - Management acknowledged that the crisis has disproportionately affected lower-skilled and lower-income workers, but noted that many customers on deferral are still current on their payments [94][96]

HALF YEAR 2020 FINANCIAL RESULTS KEY FINANCIAL RESULTS1 $1.55b DIVISIONAL RESULTS1 INTERIM DIVIDEND DECISION DEFERRED - UPDATE IN AUGUST 2020 $1.67b CREDIT IMPAIRMENT CHARGE +$1.3b STATUTORY PROFIT -51% $1.41b CASH PROFIT -60% 4.7% RETURN ON EQUITY -732BPS 10.8% CET1 CAPITAL RATIO -73BPS AUSTRALIA | --- | --- | --- | --- | --- | --- | |-------------------|---------------|------------------|----------------------------|----------------------------|---------------------------| | | | | | | | | $1.4b CASH PROFI ...

Australia and New Zealand Banking Group Ltd (ANZBY) Q2 2020 Earnings Conference Call April 29, 2020 8:00 PM ET Company Participants Jill Campbell - Group General Manager, IR Shayne Elliott - CEO & Executive Director Michelle Jablko - CFO Kevin Corbally - Group Chief Risk Officer Mark Whelan - Group Executive, Institutional Conference Call Participants Jonathan Mott - UBS Investment Bank Andrew Lyons - Goldman Sachs Group Jarrod Martin - Crédit Suisse Victor German - Macquarie Research Andrew Triggs - JPMorg ...

Australia and New Zealand Banking Group Limited (ANZBY) Q2 2019 Earnings Conference Call April 30, 2019 8:00 PM ET Company Participants Jill Campbell - Group General Manager of Investor Relations Shayne Elliott - Chief Executive Officer & Executive Director Michelle Jablko - Chief Financial Officer Mark Whelan - Group Executive of Institutional Conference Call Participants Jarrod Martin - Crédit Suisse AG Andrew Lyons - Goldman Sachs Group Richard Wiles - Morgan Stanley Jonathan Mott - UBS Investment Bank V ...