Investor Presentaiton
FY22 financial snapshot.
Results
Change
Change
Change
Change
FY22
FY22 - FY21 2H221H22
FY22
FY22 - FY21 2H221H22
Earnings¹
Balance sheet
Earnings per share (cents)
148.0
1%
(27%)
Total assets ($bn)
1,014
8%
5%
Common equity Tier 1 (CET1)
11.29
Core earnings ($m)
8,210
6%
(21%)
(103bps)
(4bps)
capital ratio (APRA basis) (%)
CET1 capital ratio
Cash earnings ($m)
5,276
(1%)
(30%)
17.57
(60bps)
21bps
(Internationally comparable 2) (%)
Return on equity (%)
7.50
(5bps)
(247bps)
CET1 capital ($m)
53,943
Flat
3%
Dividend (cents per share)
125
6%
5%
Risk weighted assets (RWA) ($bn)
478
9%
4%
Expense to income ratio (%)
56.79
Large
Large
Average interest-earning assets ($bn)
887
8%
3%
Net interest margin (%)
1.87
(17bps)
5bps
Loans ($bn)
740
4%
3%
Customer deposits ($bn)
613
6%
2%
Credit quality
Impairment charge to average
Net tangible assets per share ($)
17.2
2%
Flat
5
13bps
1bp
gross loans (bps)
Funding and liquidity
Impaired assets to gross loans (bps)
20
(10bps)
(3bps)
Customer deposit to loan ratio (%)
82.9
121bps
(65bps)
Impaired provisions to impaired assets (%)
48.0
(6ppts)
Flat
Net stable funding ratio³ (%) (NSFR)
121
(4ppts)
(4ppts)
Total provisions to credit RWA (bps)
Collectively assessed provisions to credit
RWA (bps)
128
(12bps)
(2bps)
116
(1bps)
Flat
Liquidity coverage ratio (%) (LCR)
Total liquid assets 5 ($bn)
132
3ppts
(5ppts)
258
13%
6%
1 All measures are on a cash earnings basis. 2 Internationally comparable methodology aligns with the APRA study titled 'International Capital Comparison Study' dated 13 July 2015. 3 NSFR is reported on a spot basis. 4 LCR is reported on a quarterly
average basis. 5 Total liquid assets represent cash, interbank deposits and assets eligible for existing repurchase agreements with a central bank in limited circumstance.
41
Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack
Westpac GROUPView entire presentation