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Anz National Bank Limited AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ANZ NEW ZEALAND REGISTERED BANK DISCLOSURE STATEMENT FOR THE NINE MONTHS ENDED 30 JUNE 2017 NUMBER 35 | ISSUED AUGUST 2017 For personal use only Australia and New Zealand Banking Group Limited - ANZ New Zealand REGISTERED BANK DISCLOSURE STATEMENT FOR THE NINE MONTHS ENDED 30 JUNE 2017 CONTENTS General Disclosures 2 Income Statement 3 Statement of Comprehensive Income 3 Balance Sheet 4 Condensed Cash Flow Statement 5 Statement of Changes in Equity 6 Notes to the Financial Statements 7 Directors' and New Zealand Chief Executive Officer's Statement 16 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 means the New Zealand business of the Overseas Banking Group. 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. For personal use only 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. Australia and New Zealand Banking Group Limited - ANZ New Zealand 2 GENERAL DISCLOSURES This Disclosure Statement has been issued in accordance with Other Matters the Order. APRA has reviewed the level of exposures that can be provided Credit Rating Information to the respective New Zealand banking subsidiaries and branches (New Zealand operations) of the four Australian The Ultimate Parent Bank has three credit ratings, which are parent banks, including the Ultimate Parent Bank. applicable to its long-term senior unsecured obligations. On 19 June 2017, Moody’s Investors Service downgraded the Ultimate APRA has confirmed that by 1 January 2021 no more than 5% of Parent Bank’s credit rating from Aa2 to Aa3 and changed the the Ultimate Parent Bank’s Level 1 Tier 1 capital can comprise outlook from Negative to Stable. non-equity exposures to its New Zealand operations during ordinary times. Exposures in excess of this limit must be The Ultimate Parent Bank’s credit ratings are: reduced in equal percentages over the five year transition Current Credit period and may not increase above the exposures as at 30 June Rating Agency Rating Qualification 2015. This limit does not include holdings of capital instruments Standard & Poor’s AA- Outlook Negative or eligible secured contingent funding support provided to the Bank during times of financial stress. Moody’s Investors Service Aa3 Outlook Stable Fitch Ratings AA- Outlook Stable The Ultimate Parent Bank established a New Zealand branch which was registered on 5 January 2009. The Bank sells, from Guarantors time-to-time, residential loans and mortgages into the NZ No material obligations of the NZ Branch are guaranteed as at Branch to provide funding for the Bank’s business. As at 30 June 14 August 2017. 2017, the NZ Branch held NZ$4.8 billion of residential loans. To satisfy APRA’s requirements described above, the Bank intends ANZNZ Covered Bond Trust to repay this funding at approximately NZ$1.6 billion per annum over the five year transition period ending 31 December Certain debt securities (Covered Bonds) issued by the Bank’s 2020. wholly owned subsidiary, ANZ New Zealand (Int’l) Limited, are guaranteed by ANZNZ Covered Bond Trust Limited (the APRA has also clarified that contingent funding support by the Covered Bond Guarantor), solely in its capacity as trustee of Ultimate Parent Bank to the Bank during times of financial stress ANZNZ Covered Bond Trust. The Covered Bond Guarantor has must be provided on terms that are acceptable to APRA and, in guaranteed the payment of interest and principal of Covered aggregate with all other exposures to its New Zealand Bonds with a carrying value as at 30 June 2017 of NZ$5,111 operations, must not exceed 50% of the Ultimate Parent Bank’s million, pursuant to a guarantee which is secured over a pool of Level 1 Tier 1 capital. At present, only covered bonds meet assets. The Covered Bond Guarantor’s address for service is APRA’s criteria for contingent funding. On this basis, we believe Level 9, 34 Shortland Street, Auckland, New Zealand. The that the Ultimate Parent Bank will continue to be able to Covered Bond Guarantor is not a member of the Banking Group provide financial support to the Bank. and has no credit ratings applicable to its long term senior unsecured obligations. The Covered Bonds have been assigned Directorate a long term rating of Aaa and AAA by Moody’s Investors Service Jane Halton, AO, PSM was appointed as a Non-Executive and Fitch Ratings respectively. Details of the pool of assets that Director on 21 October 2016. secure this guarantee are provided in note 7. Ian Macfarlane retired as a Non-Executive Director on 16 Financial Statements of the Ultimate Parent Bank December 2016. and Overseas Banking Group Auditor Copies of the most recent publicly available financial statements of the Ultimate Parent Bank and Overseas Banking ANZ New Zealand’s auditor is KPMG, Chartered Accountants, Group will be provided immediately, free of charge, to any Level 9, 10 Customhouse Quay, Wellington, New Zealand. person requesting a copy where the request is made at the Registered Office. The most recent publicly available financial statements for the Ultimate Parent Bank and Overseas Banking Group can also be accessed at the website anz.com. For personal use only Australia and New Zealand Banking Group Limited - ANZ New Zealand 3 INCOME STATEMENT Unaudited Unaudited Audited 9 months to 9 months to Year to 30/06/2017 30/06/2016 30/09/2016 Note NZ$m NZ$m NZ$m Interest income 4,803 5,109 6,770 Interest expense 2,505 2,842 3,741 Net interest income 2,298 2,267 3,029 Net trading gains 174 44 12 Net funds management and insurance income 238 325 414 Other operating income 2 209 309 401 Share of associates' profit 5 2 5 Operating income 2,924 2,947 3,861 Operating expenses 1,102 1,198 1,600 Profit before credit impairment and income tax 1,822 1,749 2,261 Credit impairment charge 5 51 104 147 Profit before income tax 1,771 1,645 2,114 Income tax expense 496 452 572 Profit after income tax 1,275 1,193 1,542 STATEMENT OF COMPREHENSIVE INCOME Unaudited Unaudited Audited 9 months to 9 months to Year to 30/06/2017 30/06/2016 30/09/2016 NZ$m NZ$m NZ$m Profit after income tax 1,275 1,193 1,542 Items that will not be reclassified to profit or loss Actuarial gain / (loss) on defined benefit schemes 19 (6) 18 Income tax credit / (expense) relating to items that will not be reclassified (5) 2 (5) Total items that will not be reclassified to profit or loss 14 (4) 13 Items that may be reclassified subsequently to profit or loss Unrealised gains / (losses) recognised directly in equity (18) 78 91 Realised losses transferred to income statement 10 4 9 Income tax credit / (expense) relating to items that may be reclassified 2 (23) (28) Total items that may be reclassified subsequently to profit or loss (6) 59 72 Total comprehensive income for the period 1,283 1,248 1,627 For personal use only The notes to the financial statements form part of and should be read in conjunction with these financial statements Australia and New Zealand Banking Group Limited - ANZ New Zealand 4 BALANCE SHEET Unaudited Unaudited Audited 30/06/2017 30/06/2016 30/09/2016 Note NZ$m NZ$m NZ$m Assets Cash 2,216 1,951 2,274 Settlement balances receivable 374 550 396 Collateral paid 2,227 2,326 2,310 Trading securities 9,781 12,746 11,979 Investments backing insurance contract liabilities 120 120 119 Derivative financial instruments 15,286 21,376 20,969 Current tax assets 139 136 - Available-for-sale assets 4,818 2,831 2,859 Net loans and advances 4 121,263 119,744 120,651 Other assets 619 723 701 Life insurance contract assets 605 633 630 Investments in associates 7 4 7 Premises and equipment 377 398 387 Goodwill and other intangible assets 3,283 3,418 3,424 UDC assets held for sale 18 2,956 - - Total assets 164,071 166,956 166,706 Interest earning and discount bearing assets 143,650 140,069 140,524 Liabilities Settlement balances payable 1,541 1,502 1,554 Collateral received 549 761 529 Deposits and other borrowings 8 108,800 108,413 106,908 Derivative financial instruments 16,897 23,290 22,398 Current tax liabilities - - 22 Deferred tax liabilities 169 156 147 Payables and other liabilities 1,136 1,595 1,137 Provisions 196 190 206 Debt issuances 9 19,320 17,108 20,014 Subordinated debt 10 2,628 2,623 2,624 UDC liabilities held for sale 18 1,150 - - Total liabilities (excluding head office account) 152,386 155,638 155,539 Net assets (excluding head
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