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ANZ 2015 Shareholder Review

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ANZ 2015 Shareholder Review OUR EXPERIENCE OVER THE LAST 180 YEARS PUTS US IN A POWERFUL POSITION FROM WHICH TO EMBRACE FUTURE CHALLENGES AND OPPORTUNITIES. CONTENTS ABOUT THIS DOCUMENT 1 180 YEARS The 2015 Shareholder Review provides an overview of ANZ’s strategic direction and financial and non-financial performance for 2015. Our long-term investment 2 CONTACTS in lifting levels of financial literacy and inclusion remains our priority community & IMPORTANT DATES investment focus. 3 FINANCIAL HIGHLIGHTS All information contained within this document is for the year ended 30 September SUSTAINABILITY HIGHLIGHTS 2015 unless otherwise stated. All figures are in Australian dollars unless otherwise stated. 4 CHAIRMAN’S REPORT 5 CEO’S REPORT 6 AUSTRALIA MORE INFORMATION INTERNATIONAL & INSTITUTIONAL BANKING (IIB) General information on ANZ can be obtained from our website: anz.com. Shareholders can visit our Shareholder Centre at shareholder.anz.com. 7 NEW ZEALAND GLOBAL WEALTH ANZ Corporate Governance: For information about ANZ’s approach to Corporate Governance and to obtain copies of ANZ’s Constitution, Board/Board 8 BUILDING FINANCIAL INCLUSION Committee Charters, Shareholder Charter, Codes of Conduct and Ethics and & ECONOMIC EMPOWERMENT summaries of other ANZ policies of interest to shareholders and stakeholders, visit anz.com/governance. 9 CORPORATE SUSTAINABILITY Australia and New Zealand Banking Group Limited ABN 11 005 357 522 10 GLOBAL TECHNOLOGY, SERVICES & OPERATIONS MESSAGE FROM SHAYNE ELLIOTT This Shareholder Review (Review) has been prepared for Australia and New Zealand Banking Group Limited (“the Company”) together with its 11 5 YEAR SUMMARY subsidiaries which are variously described as: “ANZ”, “Group”, “ANZ Group”, “the Bank”, “us”, “we” or “our”. 12 REMUNERATION OVERVIEW NON-STATUTORY REMUNERATION 13 NON-EXECUTIVE DIRECTORS REMUNERATION CONTACTS REGISTERED CORPORATE SHARE United Kingdom OUR INTERNATIONAL PRESENCE: OFFICE AFFAIRS REGISTRAR Computershare Investor Services PLC Australia ANZ Centre Melbourne Level 10, Australia Level 9, 833 Collins Street 833 Collins Street The Pavilions Computershare Investor Docklands VIC 3008 Bridgwater Road Bristol New Zealand Docklands VIC 3008 Services Pty Ltd Australia BS99 6ZZ Australia GPO Box 2975 Melbourne Telephone: Telephone: Asia Telephone: VIC 3001 Australia +61 3 9273 5555 +44 870 702 0000 Cambodia, China, Hong Kong, India, Indonesia, Japan, +61 3 8654 3276 Telephone: Facsimile: Facsimile: Korea, Laos, Malaysia, Myanmar, the Philippines, Email: 1800 11 33 99 +61 3 8542 5252 +44 870 703 6101 Singapore, Taiwan, Thailand, Vietnam [email protected] (Within Australia) Company Secretary: United States Group General Manager +61 3 9415 4010 Europe John Priestley (International Callers) Citibank Shareholder Corporate Affairs: United Kingdom, France, Germany INVESTOR Gerard Brown Facsimile: Services +61 3 9473 2500 P.O. Box 43077 RELATIONS Email: Providence, Rhode Island Pacific Level 10, anzshareregistry@ 02940-3077 American Samoa, Cook Islands, Timor-Leste, Fiji, 833 Collins Street computershare.com.au Callers outside USA: Guam, Kiribati, New Caledonia, Papua New Guinea, Docklands VIC 3008 +1-781-575-4555 Samoa, Solomon Islands, Tonga, Vanuatu Australia New Zealand Callers within USA Telephone: Computershare Investor (toll free): Middle East +61 3 8654 7682 Services Limited +1-877-248-4237 U.A.E. (Dubai) Facsimile: Private Bag 92119 (+1-877-CITI-ADR) +61 3 8654 8886 Auckland 1142 Email: United States of America Email: New Zealand citibank@shareholders- [email protected] Telephone: online.com www.shareholder.anz.com 0800 174 007 www.citi.com/adr Group General Manager Facsimile: Investor Relations: +64 9 488 8787 Jill Craig IMPORTANT DATES FOR SHAREHOLDERS1 MAY 2016 JULY 2016 15th Final Dividend DECEMBER 2016 ACKNOWLEDGEMENTS Record Date 3rd Interim Results 1st Interim Dividend 16th Final Dividend Photography: James Knowler (Cover & page 12), Announcement Payment Date 16th DRP/BOP/Foreign Payment Date Josh Robenstone (page 4 & 10) Currency 9th Interim Dividend 16th Annual General Cover Retouching: Visual Thing NOVEMBER 2016 Election Date Ex-Date Meeting Design: Floate Design Partners 3rd Annual Results (Melbourne) 10th Interim Dividend Announcement Thanks to the ANZ staff who volunteered for the Record Date cover photoshoot. They were: 14th Final Dividend 11th DRP/BOP/Foreign Ex-Date Ying Ho, Kate Hu, Natasha Nash, Shehani Noakes, Currency Didar Singh, Chris Slade, Toby Warren. Election Date 1 If there are any changes to these dates, the Australian Securities Exchange will be notified accordingly. 2 2015 SHAREHOLDER REVIEW FINANCIAL HIGHLIGHTS RETURN $ RECORD ON EQUITY CASH (CASH1) 7. 2 PROFIT 181 CENTS DELIVERED A % PER SHARE BILLION RECORD CASH PROFIT OF $7.2 14.0 FULLY FRANKED BILLION, UP 1% ON TOTAL DIVIDEND 2014. STATUTORY FOR FY15 OF 181 PROFIT UP 3% CENTS PER SHARE GROUP NET GROUP PROFIT PROFIT BEFORE GROUP NET PROFIT AFTER TAX PROVISIONS (PBP) NET LOANS AND CUSTOMER AFTER TAX $m (CASH1) $m AND TAX (CASH1) $m ADVANCES2 $b DEPOSITS $b 2014 2015 2014 2015 2014 2015 2014 2015 2014 2015 3% 1% 3% 9% 10% 7,271 7,493 7,117 7,216 10,818 11,159 521.8 570.2 403.7 444.6 1ANZ adjusts statutory profit for certain non-core items to calculate Cash Profit which measures the result for the ongoing activities of the Group. 2Net loans and advances at 30 September 2015 include assets classified as held for sale. SUSTAINABILITY HIGHLIGHTS $ 10 MORE THAN BILLION 360,000 % PEOPLE REACHED 40.4 COMMITMENT OVER NEXT THROUGH OUR WOMEN IN FIVE YEARS TO SUPPORT FINANCIAL MANAGEMENT2 OUR CUSTOMERS TO EDUCATION PROGRAM TRANSITION TO A LOW MoneyMinded1 CARBON ECONOMY % $ % MORE THAN % 108,142 146,000 87 74.7 HOURS 81.7 68 CUSTOMERS OF EMPLOYEES MILLION VOLUNTEERED OF OUR PROJECT REDUCTION OF HAVE ADOPTED BY EMPLOYEES FINANCE ENERGY REGISTERED FOR LOST TIME INJURIES IN COMMUNITY PORTFOLIO FLEXIBLE WORKING INVESTMENT ANZ goMoney™ IN AUSTRALIA 3 COMPRISED OF MOBILE BANKING PRACTICES (INCLUDES 6 OVER THE LAST LOW CARBON IN THE PACIFIC TEN YEARS FOREGONE ENERGY REVENUE)4 GENERATION5 MEMBER OF DJSI WORLD, DJSI ASIA PACIFIC AND DJSI AUSTRALIA 1 This is the estimated number of people who have benefited from ANZ’s MoneyMinded financial education program since 2003 2 Includes all employees regardless of leave status but not contractors (which are included in FTE) 3 Based on responses to the ANZ 2015 employee engagement survey; MyVoice. 4 Figure includes foregone revenue of $56.1 million, being the cost of providing low or fee free accounts to a range of customers such as government benefit recipients, not for profit organisations and students 5 An increase of 22.7% against a 2011 baseline of 59% 6 Cumulative total since launch in 2013 FTSE confirms that ANZ has been independently assessed according to the FTSE4Good criteria, and has satisfied the requirements to become a constituent of the FTSE4Good Index Series. Created by the global index company FTSE, FTSE4Good is an equity index series that is designed to facilitate investment in companies that meet globally recognised corporate responsibility standards. Companies in the FTSE4Good Index Series have met stringent environmental, social and governance criteria, and are positioned to capitalise on the benefits of responsible business practice. 3 2015 SHAREHOLDER REVIEW CHAIRMAN’S REPORT A MESSAGE FROM both by some bank customers (who pay higher $75 million in the communities in which we operate, DAVID GONSKI, AC interest rates) and by shareholders (whose returns to support economic growth and development, are affected). improve wellbeing and build reputation and trust. I am pleased to report that ANZ’s statutory profit after tax for the 2015 financial year was $7.5 billion, up 3%. NEW CHIEF EXECUTIVE OFFICER During 2015, we continued to address the risks and The cash profit (which excludes non-core items from opportunities associated with climate change. As part the statutory profit) was $7.2 billion, up 1%. At the start of October, your board appointed Shayne of this we are playing our part in an orderly transition Elliott to become Chief Executive Officer on 1 January to a de-carbonised economy. The final dividend of 95 cents brought the total 2016, succeeding Mike Smith. dividend to 181 cents per share fully franked, We have pledged to fund and facilitate $10 billion an increase of 2%. This will see us pay out a record Shayne is currently ANZ’s Chief Financial Officer over five years to support a range of measures $5.1 billion to shareholders for 2015. responsible for all aspects of Finance as well as including energy efficiency, low-emissions transport, Group Strategy, Legal, Treasury, Investor Relations green buildings and renewable energy. We have also STRENGTHENING CAPITAL and Mergers and Acquisitions. He has over 30 years’ strengthened our due diligence processes which experience in international banking and joined govern our lending to coal mining, transportation During the year, the Financial System inquiry ANZ as CEO of Institutional Banking in June 2009. found that Australia has a sound financial system and the power generation sectors. which provides a strong platform for the Australian He was the outstanding candidate for the role of These are positive steps which support our customers economy. The Inquiry also recommended that Chief Executive given his deep knowledge of ANZ, in the resources and power generation sectors and Australian banks should be “unquestionably strong”. his strategic vision, global financial services balancing the need to maintain
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