Australian Housing Dynamics and Affordability
REGULATORY CAPITAL GENERATION
COMMON EQUITY TIER 1 GENERATION
(bps)
Cash NPAT¹
RWA movement
Capital Deductions²
Net capital generation
Gross dividend
Dividend Reinvestment Plan³
2H averages
Full Year average
2H19
FY19
2H12-2H18
FY12-FY18
95
83
189
172
1
(10)
(13)
(7)
(6)
2
(18)
90
75
158
165
(61)
(57)
(128)
(117)
10
1
19
2
Core change in CET1 capital ratio
39
19
49
50
Other non-core and non-recurring items
(2)
(32)
7
(58)
Net change in CET1 capital ratio
37
(13)
56
(8)
HISTORICAL NET ORGANIC CAPITAL GENERATION
bps
Avg +141bps
(ex. Institutional portfolio rebalancing FY16 & FY17)
Organic Capital Generation
☐
Net organic capital generation of
+165bps for FY19 and +75bps for 2H19
Excluding Institutional portfolio
rebalancing period, FY19 net organic
capital generation is stronger by +24bps
Avg +204bps
Institutional portfolio
rebalancing
229
182
165
179
144
119
128
130
bps
FY12
FY13
FY14
FY15
FY16
FY17
FY18
1. Cash NPAT excludes 'large/notable items' & one off items (which are included as "other non-core and non-recurring items")
2. Represents movement in retained earnings in deconsolidated entities, capitalised software, expected losses in excess of eligible provisions shortfall and other intangibles
3. Includes Bonus Option Plan
FY19
ANZ
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