ANZ 2022 Full Year Results
ANZ 2022 Full Year Results
DIGITAL PLATFORMS - SCALABLE OPERATING LEVERAGE, CAPITAL LIGHT
PAYMENTS1
52%
24%
198
5%
130
100
105
FY19
FY20
FY21
FY22
Payments made by customers to their suppliers
and employees through our digital channels
• Covers payments initiated via Web & Mobile,
direct integration with ANZ or via agency
agreements whereby ANZ clears payments on
behalf of other banks
•
•
DIRECT INTEGRATION PAYMENTS 1,2
NPP AGENCY PAYMENTS 1,2
PLATFORM CASH MGMT ACCOUNTS¹
75%
1,731
60%
160
100
40%
25%
280
200
112%
27%
672
367%
988
467
141%
120%
530
220
100
FY19
FY20
FY21
FY22
FY19
FY20
FY21
FY22
100
FY19
FY20
FY21
FY22
Automated payments initiated via direct
integration between the bank's and our
customers' systems
Enables a high degree of automation and
control for customers, replacing manual
processes with a scalable alternative that
removes the need for human intervention
•
.
A service whereby ANZ clears & settles real-time
payments for customers of Appointer banks on
their behalf
Deposit management for entities holding funds
on behalf of their clients
Powering other banks' customers with real-time
payments
•
Supporting CX in provision of client money
accounts to activate services/transactions
DIGITAL SELF SERVICE
• Reduced customer effort and manual error risk
with pre-populated forms, giving customers
back ~93 hours per month
• Moved to real-time processing for
requests such
as user access through straight through
processing, removing previous 24-48 hour
turnaround times
DATA INSIGHTS
Delivering near real-time Australian consumer
spend analysis to clients via direct data feeds
and our web platform, Transactive Global,
providing customers with a competitive
advantage in their strategic and operational
decision-making
API INTEGRATION
• Delivered modern APIs for customers in
Australia, Singapore, Hong Kong (SAR) and India,
allowing them to make payments, reconcile
their accounts, and exchange information in
real-time and on demand
INCIDENTS PER MILLION PAYMENTS
• 0.01 incidents per million payments for FY22,
delivering quality and resilient payment
platforms for customers despite growing
volumes
PLATFORM INITIATIVES ARE ENABLING ADDITIONAL REVENUE OPPORTUNITIES WITHIN ANZ PAYMENTS & CASH MANAGEMENT
1.
Indexed to FY19 (at 100)
2.
Subset of total payments
86
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