Financial Performance Overview - Statutory Profit decreased by 51% to $1.3 billion[2] - Cash Profit decreased by 60% to $1.41 billion[2] - Return on Equity decreased by 732 basis points to 4.7%[2] - CET1 Capital Ratio decreased by 73 basis points to 10.8%[2] Divisional Results - Australia - Australia Cash Profit decreased by 23% to $1.4 billion[4] - Australia Revenue decreased by 3% to $4.7 billion[4] - Australia Expenses increased by 2% to $1.9 billion[4] - Australia Credit Impairment Charge increased by $0.4 billion to $0.8 billion[4] - Australia Customer Deposits increased by 5% to $213.0 billion[4] - Australia Customer Lending decreased by 2% to $329.8 billion[4] Divisional Results - New Zealand (in NZD) - New Zealand Revenue increased by 10% to $1.8 billion[5] - New Zealand Cash Profit was flat at $0.6 billion[5] - New Zealand Expenses decreased by 20% to $0.7 billion[5] - New Zealand Customer Deposits increased by 5% to $93.6 billion[6] - New Zealand Customer Lending increased by 4% to $128.6 billion[6] - New Zealand Credit Impairment Charge increased by $0.2 billion to $0.2 billion[6] Divisional Results - Institutional - Institutional Cash Profit decreased by 38% to $0.6 billion[7] - Institutional Revenue increased by 5% to $2.8 billion[7] - Institutional Expenses decreased by 1% to $1.3 billion[7] - Institutional Credit Impairment Charge increased by $0.7 billion to $0.6 billion[7] - Institutional Customer Deposits increased by 16% to $258.5 billion[7] - Institutional Core Lending increased by 12% to $16 billion[7] COVID-19 Response - The company launched support packages, helping customers with deferrals on loan payments[9] - The company facilitated ~$12 billion of loan deferrals or adjustments for over 30,000 New Zealand personal, home, and business loan customers[14] - The company received ~105,000 repayment deferral requests on $36 billion Australian home loans, representing 14% of the portfolio[14] - The company provided ~$7.5 billion of lending to Australian commercial customers, representing 15% of the customer base[14] - The company pre-approved $4 billion lending to 35,000 Australian small businesses with existing transactional accounts[14] - The company provided $16 billion in extra lending to mainly long-term investment-grade institutional customers[14]

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 ...