Australian Housing Dynamics and Affordability
INVESTING FOR GROWTH
GROUP INVESTMENT SPEND¹
$m
1,234
1,218
1,153
1,179
430
491
410
473
1,403
564
PREPARING FOR CHANGE
LAST DECADE
Universal services
Mass share
One price for all
Transactions
Value from branches
High system growth
Bank competition
Hardware
Waterfall
More capital
Enforceable undertakings
Falling credit costs
Globalisation
Financial risk
NEXT DECADE?
Specialisation
Targeted share
Risk based pricing
Discussions
Value from data
Low system growth
Experience competition
Software
Agile
More compliance
Court action
Rising credit costs
Protectionism
Non-financial risk
804
839
743
706
727
FY15
FY16
FY17
FY18
FY19
1.
Rest of Group
Australia Retail & Commercial
Prior periods restated from previously reported information to include technology infrastructure spend, property projects and scaled agile delivery
ANZ
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