ANZ 2022 Full Year Results
ANZ 2022 Full Year Results
INSTITUTIONAL MARGINS¹
Risk Adjusted NIM drivers, bps
202
0
+33bps
33
0
235
Risk Adjusted NIM - by geography, bps
Institutional
AUS / PNG
247
253
225
222 230 222
235
207
190 197
203 202
1H22
Funding Mix & FX
Deposit Margins
Asset Margins
2H22
1H20 2H20 1H21 2H21 1H22 2H22
1H20 2H20 1H21 2H21 1H22 2H22
Lending Risk
Adjusted Margin2,3
Lending NIM2,4
Deposit NIM5
NZ
364
152
159 164
164
143
142
295
267
123
127
140 141 140 137
239
224
232
67
58
46
41
39
33
1H20 2H20 1H21 2H21 1H22 2H22
1H20 2H20 1H21 2H21 1H22 2H22
1H20 2H20 1H21 2H21 1H22 2H22
1H20 2H20 1H21 2H21
1H22 2H22
International
188
151
136
149 147
156
1H20 2H20 1H21 2H21 1H22 2H22
1.
Basis: Cash Profit, Continuing Operations excluding Large / Notable items. 1H20 and 2H20 results have not been adjusted to reflect the divestment of the Merchants business following the ANZ Worldline joint venture
Institutional ex-Markets Net Interest Income divided by average Credit Risk Weighted Assets; 2. Lending NIM represents Corporate Finance and Trade & Supply Chain; 3. Risk Adjusted Lending Margin is calculated as Net Interest Income divided by
average Credit Risk Weighted Assets for Corporate Finance and Trade; 4. Calculated Net Interest Income divided by Average Interest Earning Assets; 5. Deposit NIM represents Net Interest Income divided by Net Internal Assets for Payments & Cash
Management (PCM)
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