Investor Presentaiton
Regulatory capital
%
Capital Update
1H15 organic capital generation¹ of 59 bps modestly above
recent first half performance. APRA Common Equity Tier 1
ratio 8.7%. Target range for CET1 ratio remains around
9% on an APRA basis.
Internationally Comparable2 CET1 ratio is ~3.7% higher
than under APRA basis. Reflects variances between Basel
III under APRA and Basel standards.
1.5% discount for 1H15 Dividend Reinvestment Plan aims
to achieve ~20% participation on a full 12 month basis.
This level of participation is consistent with average
observed since 2012 and capital planning.
Basel 3 Common Equity Tier 1 (CET1)
8.3%
12.2%
8.8%
12.7%
8.7%
12.4%
APRA CET1 movement - Mar 15 v Sep 14
8.79
Mar 14
■APRA
Sep 14
Mar 15
Internationally Comparable
2
Total RWA movement - Mar 15 v Sep 14
1.02
$b
15.4
386.9
(0.22)
1.5
(0.21)
8.72
16.1
(0.7)
(0.64) (0.02)
(6.9)
361.5
Credit RWA
+$30.8bn
T
Sep 14
Cash
RWA
NPAT 3
Usage 4
Capital
Deductions 5
Net Dividend Other
Mar 15
Sep 14
Growth
FX Impact
Other 6
Market &
Op Risk
Mar 15
IRRBB
RWA
RWA
-
1. Organic capital generation = cash profit - RWA growth capital deductions. 2. Methodology per Australian Bankers' Association: International
comparability of capital ratios of Australia's major banks (August 2014). March 2014 comparatives has been restated based on current methodology.
3. Cash profit net of preference share dividends. 4. Includes EL vs. EP shortfall. 5. Represents the movement in retained earnings in
deconsolidated entities, capitalised software and other intangibles. 6. Other includes risk and portfolio data review impact.
ANZ 26View entire presentation