ANZ 2022 Full Year Results
ANZ 2022 Full Year Results
SCALING COMMERCIAL BUSINESS WITH ATTRACTIVE RETURNS
Financial performance
FOCUS
Accelerated
Revenue¹, $b
Risk adjusted margins² %
momentum
~25%
4.4
of total
and refreshed
group
ambition for
revenue
1.5
Commercial
2.9
2.6
5.65
5.51
4.92
7.05
Stand alone division, refreshed ambition
Banking SME & Specialist businesses³
Targeted segment growth
Targeted, high value customer solutions
GoBiz, Rapid Refi, Worldline Joint Venture
Simplified, de-risked
Sold and exited Financial Planning and Advice
Exited Broker channel for stand alone asset finance
Balance Sheet, $b
Risk profile
(~1.9x deposit to loan ratio)
112
60
80%
12%
8%
FY21
FY22
1H21
2H21
1H22
2H22
Sep 22
Commercial Division revenue
Deposits
Loans
Customer revenue in Institutional / Retail
Fully secured
Partly secured
Unsec./Other
1. Excluding gain on sale (Worldline JV) and Merchant Acquiring income
2.
Commercial Division
10
3.
Small to Medium Enterprise (SME) includes customers with total lending requirements generally up to $10m; Specialist businesses include Private Banking customers and business customers with lending requirements
generally between $10m and $50m. Includes specialist segments (including Property, Health, Agriculture)View entire presentation