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Investor Analysts Pack

Underlying business performing well

Australia & New Zealand volumes and margins

Group portfolio

Australian - Consumer portfolio

New Zealand - Consumer portfolio

Capital and funding

APS 330 Pillar 3 December quarterly disclosures

Calculation of Credit Risk on Derivatives charge for Credit Intermediation trades

Structured Credit intermediation trade 

Underlying business performing well


Underlying business performing well – cash earnings for FY09 expected to be around FY08 levels despite difficult environment


Asia Pacific division up strongly, good revenue trends in Institutional driven by markets business, Australian income and margin trends positive 


Income growth up 16% on pcp (FX adjusted), increased Group Net Interest Margin, expense growth up 14% (FX adjusted) on pcp largely driven by one off costs (5%), growth in Asia Pacific (4%) and remediation work in Institutional


Roadmap set in early 2008 to strengthen the balance sheet via increased tier one capital, significant liquidity and adequate provisioning has positioned ANZ well to deal with the new market reality


Australia & New Zealand volumes and margins

Australia* Overview


Strong YTD customer deposit growth, with new customer deposits broadly in line with new lending


Australia and Institutional divisions NIM benefiting from repricing, partially offset by increased deposit competition


New Zealand* Overview


Difficult conditions continue leading to a decline in growth in both lending and deposit volumes.


Higher cost of funds, deposit competition and prepayments negatively impacting margins 

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