Australian Banking by Numbers
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Community investment Community investment Balance Sheet Commonwealth Bank – In 2018 CommBank Foundation invested ANZ – In 2018 ANZ invested $137 million in the community including Taxes & more than $13 million to support 1220 community organisations refugee and indigenous employment, rural/regional community Financial Highlights through its Community and Centenary Grants programs. CBA is also grants, and foregone revenue to aid disaster recovery. MoneyMinded supporting future generations with $50 million invested in education financial education has helped 580,000 people and over 40,000 low- f Number of bank employees & Funding programs since 2015. income people have participated in the ANZ Saver Plus program. Income 132,000 Levies f in Australia Macquarie Group – In FY18 Macquarie staff and the Macquarie Arab Bank Australia – Supporting Medical Research through The - Net interest income $66 billion k Balance sheetd Group Foundation contributed more than $28 million dollars and Brain Cancer Group and Westmead Medical Research Foundation, Taxes and levies paid Number of bank customers 18 million 60,000 volunteer hours to more than 1,500 charitable organisations, and supporting the Art Gallery of NSW (learning curve lecture series) - Fees/commissions $33 billion a,k Bank assets $3.9 trillion including Social Ventures Australia, Women’s Community Shelters, and the Australian World Orchestra (AWO) Academy. - Tax paidf $13.9 billion Number of bank shareholders 2.3 million CareerTrackers, Raise Foundation and the Clontarf Foundation. Total operating income $99 billion Bank of Sydney – Supports over 150 multicultural community e Dividends paid by banks to Bank liabilities $3.6 trillion - Major Bank Levy $1.5 billion f $26 billion Bank of America Merrill Lynch – Supports 47 NGOs in 12 markets groups annually, as well as being an ongoing supporter of Brain Expensesf shareholders in the APAC region, focused on driving economic and social Cancer Research. Shareholders equity $267 billion Total taxes and levies $15.4 billion Tax paid by banksf $13.9 billion mobility for disadvantaged women and children through grants and HSBC – HSBC Australia focuses its community investment on future - Wages $25 billion volunteering. Programs support education, jobs and skills training Banks’ key funding components skills & employability, environmental outcomes and indigenous Number of banksd 86 and basic human needs (hunger, housing, sanitation). communities. Partners include AIEF, KARI, Barnados, The Smith - IT $7 billion j a,f Deposits 60% Bank Australia – 4% of after tax profit ($1 million/year). Regenerated Family, Youth Off The Streets, Nature Conservancy, Blue Carbon Effective tax rate 29.9% Major Bank Levye $1.5 billion - Leasing/premises $4 billion Australian b a private conservation reserve since 2008 to offset new home Lab, Earthwatch Institute and the Royal Botanic Gardens. l Short term borrowings / debt $285 billion Tax paid by top 4 industries (as % of ASX200) d construction and protect habitat of endangered species. - Other (includes marketing Bank branches 5,200 ING – ING Australia runs the Dreamstarter program which has $12 billion b - Domestic 54% BOQ – BOQ’s community investment strategy supports young supported more than 80 social enterprises to make a difference. Also and advertising, stationery) Banks 41.2% Bank ATMsd 11,549 people across the areas of health, education and the arts. Since a long-term major supporter of Cerebral Palsy Alliance. - Offshoreb 46% Total operating expenses $49 billion Materials 24.3% 2004 BOQ’s annual fundraising appeal, Banking on our Kids, has United Overseas Bank – high level of support in APAC region. Number of small business loans with banking a,j 1.12 million raised over $2.5 million dollars. f banks Long term borrowings / debtb $677 billion ME Bank – ME Bank has donated over $2.4 million towards breast Profit measures Consumer discretionary 6.5% Suncorp – In 2017–18 Suncorp invested over $10 million into local Average interest rate for small cancer research since 2005. 5.30% - Domesticb 31% communities, including volunteer leave for 2,094 staff. Supports Profit (after tax) $32 billion Communication services 6.3% businessj financial literacy for refugees & young Aussies through partnerships MyState Bank – Through the MyState Foundation, MyState has b provided almost $2 million to assist youth achieve their full potential - Dividends paid $26 billion by numbers - Offshore 69% with Wesley Mission, Multicultural Development Aust & Financial Basics Foundation’s ESSI Money online financial literacy program. through a range of initiatives. b - Reinvested into business $6 billion Offshore borrowings AMP – In 2018 AMP invested more than $10 million in communities, Rural Bank – Partners with the National Centre for Farmer Health January 2019 to highlight the impact of physical and mental health, wellbeing and The $13.9 billion in tax paid by banks is over 40% Portion of bank borrowings including partnerships that improve employment outcomes for Ratiosf 60% disadvantaged people, a pro bono financial advice program, and a safety to Australia’s farming community. Provides free health and of the ASX200 combined tax paid, and is the sourced offshore lifestyle checks for farmers at field days across Australia. SOURCE: g CCMC grants program for individuals – the AMP Tomorrow Fund. Return on equity 12.4% equivalent of $550 for every man, woman and child a ABA h DBM Key financial stability measuresd b ABS i Galaxy Bendigo and Adelaide Bank – $205 million in Community Bank® Bank of China – high level of support in APAC region. Cost-to-income 49% in Australia. c Australian Payments Network APN j RBA Capital ratio 14.7% contributions since 1998, and $22 million distributed in 2017/18. 133 Rabobank – Invests $3 million in over 30 community programs d APRA k Roy Morgan new university and TAFE students have shared in $1 million to assist including client councils, farm experience programs for students and Dividend payout ratio 82% e Australian Treasury l Thomson-Reuters Liquidity coverage ratio 132% with tertiary study costs via the 2018 Scholarship Program. financial skills workshops for farmers. f Bank annual reports, 8 listed banks m Workplace Gender Equality Agency Citi – A $1.5 million grant program to support six Australian charity MUFG Bank – MUFG Oceania supports organisations including Oz Net interest margin 2.02% The $15.4 billion in total taxes and levies paid partners to develop programs for young people to secure their first Harvest, Aust Red Cross Blood Service, Children’s Medical Research a,k by banks is equivalent to two-thirds of the entire job or develop entrepreneurial skills. Institute (Jeans for Genes), Parkerville and 360 Community Trust. Shareholders 2.3 million 2017/18 Medicare benefits budget. NAB – Continued 15-year partnership with Good Shepherd Westpac – $125m in community contributions in FY18, including CONTACT: Microfinance, supporting 585,000 Australians on low incomes to over 200 community grants and awarding the 200th Westpac access credit. Launched Speckle, online small loans designed to Scholarship. Backed Many Rivers Microfinance to help 275 business [email protected] +61 2 8298 0417 disrupt payday lenders. Part of commitment to provide $130 million owners establish/grow their businesses. The Westpac Foundation for affordable loans to people excluded from mainstream finance. has helped social enterprises create jobs for vulnerable Australians. Customers & Customers & Savings Lending Lending Our people Economic banking use banking use Deposits Total home loans with banksd Credit cards (average per card)j Bank employeesf contribution Deposits - totald $2.8 trillion - Number 5.8 million Balance outstanding $3,221 Number of employees in Australia 132,000 Amount accruing interest $1,995 b Financial institutions Transactions (annual)j - At call $1.4 trillion - Value $1.6 trillion Gender Finance and insurance industry contribution to All ADIs Credit limit $9,493 national, state and territory economiesb Banksd 86 - Term deposits $980 billion - Average $275,840 - Female 53% ATM withdrawals j Australia $159.5 billion 9.4% b Credit card ratios ADIsd 136 - Certificate of deposits $248 billion New home loan approvals by banks - Male 47% - Number 597 million Proportion of balance accruing - NSW $69.0 billion 12.7% 62% b Overview Deposits by type For owner occupiers interest Full-time Australian banks - Value $133 billion - VIC $45.6 billion 11.5% Proportion of credit limit being Households - Number 582,300 34% - Female 76% Bank customersk 18 million Credit card transactions used - QLD $21.0 billion 6.6% - Balanceb $1.0 trillion - Value $230 billion - Male 94% Customer satisfactionk 78.5% - Number 2.8 billion Number of credit card accounts 16 million - SA $7.8 billion 8.0% - Average deposits per capitab $40,000 For investors Ageb Australians who have switched banks - Value $333 billion Lending to Australian businesses - Banksj 3 million - WA $10.9 billion 4.4% - Total over past three yearsi Number of accounts - debitj 37.2 million - Numbera,b 254,800 - Under 25 years 7% Total number of credit cards 16.0 million Total lending to business $978 billion Months ahead on mortgage - TAS $2.2 billion 7.9% 35 - Value $121 billion - 25-34 26% j Debit card transactions Lending to agriculture industry $72 billion repayments - NT $0.6 billion 2.8% b Businesses - Balance $460 billion Total - 35-44 32% Customer use - Number 6.3 billion Total lending to small business $285 billion All ADIs - ACT $1.2 billion