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13 December 2019 Market Announcements Office 13 December 2019 Market Announcements Office ASX Limited Level 4 20 Bridge Street SYDNEY NSW 2000 Australia and New Zealand Banking Group Limited – ANZ New Zealand Registered Bank Disclosure Statement Attached is the ANZ New Zealand Branch Registered Bank Disclosure Statement for the year ended 30 September 2019. Yours faithfully Simon Pordage Company Secretary Australia and New Zealand Banking Group Limited Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ANZ Centre Melbourne, Level 9A, 833 Collins Street, Docklands VIC 3008 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ANZ NEW ZEALAND REGISTERED BANK DISCLOSURE STATEMENT FOR THE YEAR ENDED 30 SEPTEMBER 2019 NUMBER 41 | ISSUED DECEMBER 2019 CONTENTS Glossary of terms 2 DISCLOSURE STATEMENT Financial Statements 3 Consolidated financial statements 4 Notes to the financial statements 8 Registered Bank Disclosures 66 Directors’ and New Zealand Chief Executive 83 Officer’s Statement Independent Auditor’s Report 84 GLOSSARY OF TERMS In this Registered Bank Disclosure Statement (Disclosure Statement) unless the context otherwise requires: Bank means ANZ Bank New Zealand Limited. Banking Group means the Bank and all its controlled entities. Immediate Parent Company means ANZ Funds Pty Limited, which is the immediate parent company of ANZ Holdings (New Zealand) Limited. Ultimate Parent Bank means Australia and New Zealand Banking Group Limited. Overseas Banking Group means the worldwide operations of Australia and New Zealand Banking Group Limited including its controlled entities. New Zealand business means all business, operations, or undertakings conducted in or from New Zealand identified and treated as if it were conducted by a company formed and registered in New Zealand. NZ Branch means the New Zealand business of the Ultimate Parent Bank. ANZ New Zealand, We or Our means the New Zealand business of the Overseas Banking Group. OnePath means OnePath Life (NZ) Limited. UDC means UDC Finance Limited. Registered Office is Level 10, 171 Featherston Street, Wellington, New Zealand, which is also ANZ New Zealand’s address for service. RBNZ means the Reserve Bank of New Zealand. APRA means the Australian Prudential Regulation Authority. the Order means the Registered Bank Disclosure Statements (Overseas Incorporated Registered Banks) Order 2014. Any term or expression which is defined in, or in the manner prescribed by, the Order shall have the meaning given in or prescribed by the Order. 2 FINANCIAL STATEMENTS Consolidated financial statements Income statement 4 Statement of comprehensive income 4 Balance sheet 5 Cash flow statement 6 Statement of changes in equity 7 Notes to the consolidated financial statements Basis of preparation Non -financial assets 1. About our financial statements 8 19. Goodwill and other intangible assets 51 Financial performance Non -financial liabilities 2. Operating income 10 20. Other provisions 53 3. Operating expenses 12 4. Income tax 13 Equity 5. Dividends 14 21. Shareholders' equity 55 6. Segment reporting 14 22. Capital management 56 Financial assets Consolidation and presentation 7. Cash and cash equivalents 16 23. Controlled entities 57 8. Trading securities 17 24. Structured entities 58 9. Derivative financial instruments 18 25. Transfers of financial assets 60 10. Investment securities 22 26. Divestments 60 11. Net loans and advances 23 12. Allowance for expected credit losses 24 Other disclosures 27. Related party disclosures 61 Financial liabilities 28. Commitments and contingent liabilities 63 13. Deposits and other borrowings 30 29. Compensation of auditors 64 14. Debt issuances 31 30. Events since the end of the financial year 64 Financial instrument disclosures 15. Financial risk management 33 16. Fair value of financial assets and financial liabilities 46 17. Assets charged as security for liabilities 49 and collateral accepted as security for assets 18. Offsetting 50 3 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ANZ NEW ZEALAND 2019 DISCLOSURE STATEMENT FINANCIAL STATEMENTS INCOME STATEMENT 2019 2018 For the year ended 30 September Note NZ$m NZ$m Interest income 6,508 6,550 Interest expense (3,276) (3,373) Net interest income 2 3,232 3,177 Other operating income 2 935 989 Net income from insurance business 2 27 149 Share of associates' profit 2 4 5 Operating income 4,198 4,320 Operating expenses 3 (1,609) (1,517) Profit before credit impairment and income tax 2,589 2,803 Credit impairment charge 12 (99) (53) Profit before income tax 2,490 2,750 Income tax expense 4 (665) (764) Profit for the year 1,825 1,986 STATEMENT OF COMPREHENSIVE INCOME 2019 2018 For the year ended 30 September NZ$m NZ$m Profit for the year 1,825 1,986 Other comprehensive income Items that will not be reclassified subsequently to profit or loss (33) 3 Items that may be reclassified subsequently to profit or loss Reserve movements: Unrealised losses recognised directly in equity (31) (27) Realised losses transferred to the income statement 14 5 Income tax attributable to the above items 15 6 Other comprehensive income after tax (35) (13) Total comprehensive income for the year 1,790 1,973 The notes appearing on pages 8 to 64 form an integral part of these financial statements 4 FINANCIAL STATEMENTS BALANCE SHEET 2019 2018 As at 30 September Note NZ$m NZ$m Assets Cash and cash equivalents 7 2,709 2,407 Settlement balances receivable 193 656 Collateral paid 2,324 1,919 Trading securities 8 8,942 8,024 Derivative financial instruments 9 11,653 8,072 Investment securities1 10 7,027 6,502 Net loans and advances 11 133,264 128,677 Assets held for sale 26 - 897 Investments in associates - 6 Deferred tax assets 4 80 - Goodwill and other intangible assets 19 3,276 3,289 Premises and equipment 335 325 Other assets 689 642 Total assets 170,492 161,416 Liabilities Settlement balances payable 1,590 2,066 Collateral received 991 845 Deposits and other borrowings 13 117,071 112,920 Derivative financial instruments 9 10,912 8,133 Current tax liabilities 110 174 Deferred tax liabilities - 23 Liabilities held for sale 26 - 334 Payables and other liabilities 1,174 955 Employee entitlements 138 120 Other provisions 20 314 76 Debt issuances 14 25,593 24,534 Total liabilities (excluding head office account) 157,893 150,180 Net assets (excluding head office account) 12,599 11,236 Equity Share capital and initial head office account 21 11,055 11,055 Reserves 21 33 Retained earnings 1,523 148 Total equity & head office account 12,599 11,236 1 On adoption of NZ IFRS 9 Financial Instruments (NZ IFRS 9) on 1 October 2018, the classification and measurement of financial assets were revised. The available-for-sale classification used in comparative periods ceases to exist under NZ IFRS 9 and a new classification of investment securities was introduced. Refer to Note 1 and Note 10 for further details. The notes appearing on pages 8 to 64 form an integral part of these financial statements 5 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ANZ NEW ZEALAND 2019 DISCLOSURE STATEMENT FINANCIAL STATEMENTS CASH FLOW STATEMENT 2019 2018 For the year ended 30 September Note NZ$m NZ$m Profit after income tax 1,825 1,986 Adjustments to reconcile to net cash provided by/(used in) operating activities: Depreciation and amortisation 81 88 Loss on sale and impairment of premises and equipment 10 4 Net derivatives/foreign exchange adjustment 213 1,050 Proceeds from divestments net of intangibles disposed of, classified as investing activities (646) - Other non-cash movements (128) (19) Net (increase)/decrease in operating assets: Collateral paid (405) (504) Trading securities (918) (361) Net loans and advances (4,587) (3,797) Other assets 1,132 (266) Net increase/(decrease) in operating liabilities: Deposits and other borrowings (excluding borrowings from Immediate Parent and Ultimate Parent Bank) 5,416 5,345 Settlement balances payable (476) 448 Collateral received 146 232 Other liabilities 54 53 Total adjustments (108) 2,273 Net cash flows from operating activities1 1,717 4,259 Cash flows from investing activities Investment securities: Purchases (2,347) (4,368) Proceeds from sale or maturity 1,963 4,246 Proceeds from divestments 26 747 - Other assets (88) 3 Net cash flows from investing activities 275 (119) Cash flows from financing activities Debt issuances:2 Issue proceeds 4,010 3,385 Redemptions (3,909) (3,991) Borrowings from Immediate Parent and Ultimate Parent Bank:3 Loans drawn down 1,487 603 Repayments (2,903) (2,119) Proceeds from issue of preference shares - 3,000 Dividends paid (375) (4,600) NZ Branch retained earnings repatriated - (450) Net cash flows from financing activities (1,690) (4,172) Net change in cash and cash equivalents 302 (32) Cash and cash equivalents at beginning of year 2,407 2,439 Cash and cash equivalents at end of year 2,709 2,407 1 Net cash provided by operating activities includes income taxes paid of NZ$792 million (2018: NZ$619 million). 2 Movement in debt issuances (Note 14 Debt Issuances) also includes an NZ$403 million increase (2018: NZ$1,371 million increase) from the effect of foreign exchange rates, a NZ$657 million increase (2018: NZ$246 million decrease) from changes in fair value hedging instruments and an NZ$102 million decrease (2018: NZ$18 million increase) of other changes. 3 Movement in borrowings from Immediate Parent and Ultimate Parent Bank (Note 13 Deposit and Other Borrowings) also includes a NZ$47 million increase (2018: NZ$95 million increase) from the effect of foreign exchange rates and a NZ$104 million increase
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