Investor Presentaiton
Segment¹ contributions.
Segments
FY22 cash earnings ($m)
Consumer
Business
WIB
NZ²
Specialist
Businesses
Group
Businesses
Group
Net interest income
8,985
3,027
1,110
2,106
474
903
16,605
Non-interest income
612
329
1,139
397
(152)
71
2,396
Expenses
(4,689)
(1,896)
(1,181)
(1,072)
(1,047)
(906)
(10,791)
Core earnings
4,908
1,460
1,068
1,431
(725)
80
68
8,210
Impairment (charges)/benefits
(201)
(143)
(85)
25
67
2
(335)
Tax & non-controlling interests
(1,416)
(399)
(296)
(381)
(65)
(42)
(2,599)
Cash earnings
3,291
918
687
1,075
(723)
28
5,276
Cash earnings contribution
62%
18%
13%
20%
(14%)
1%
FY22 notable items ($m)
Consumer
Business
WIB
NZ²
Specialist
Businesses
Group Businesses
Group
Net interest income
(1)
(1)
Non-interest income
118
(1,011)
(893)
Expenses
Core earnings
Impairment charges
Tax and non-controlling interests
(66)
(66)
(365)
(190)
(621)
117
(1,376)
(190)
(1,515)
19
Cash earnings impact
(47)
1 Refer to segment descriptions, page 135. 2 NZ in A$.
150
54
54
223
117
(1,226)
(136)
(1,292)
98
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