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Five-Year
summary

FINANCIAL

Five-year Summary 2007–2011

  2011
$m		 2010
$m		 2009
$m		 2008
$m		 2007
$m
Financial performance
Net interest income1 11,481 10,862 9,890 7,855 7,302
Other operating income1 5,331 4,920 4,477 4,440 3,765
Operating expenses1 (7,718) (6,971) (6,068) (5,406) (4,953)
Profit before provisions and income tax1 9,094 8,811 8,299 6,889 6,069
Provision for credit impairment1 (1,211) (1,820) (3,056) (2,090) (522)
Income tax expense and non-controlling interest1 (2,231) (1,966) (1,471) (1,373) (1,623)
Underlying profit1 5,652 5,025 3,772 3,426 3,924
Adjustments between statutory and underlying profit1 (297) (524) (829) (107) 256
Profit atrributable to shareholders of the Company 5,355 4,501 2,943 3,319 4,180
Financial position
Assets 594,488 531,703 476,987 470,293 392,773
Net Assets 37,954 34,155 32,429 26,552 22,048
Tier 1 capital ratio2 10.9% 10.1% 10.6% 7.7% 6.7%
Return on average ordinary equity3 15.3% 13.9% 10.3% 14.5% 20.9%
Return on average assets 1.0% 0.9% 0.6% 0.8% 1.2%
Cost to income ratio1 45.9% 44.2% 42.2% 44.0% 44.9%
Shareholder value – Ordinary shares
Total return to shareholders
(share price movement plus dividends)		 –12.6% 1.9% 40.3% –33.5% 15.6%
Market capitalisation 51,319 60,614 61,085 38,263 55,382
Dividend 140 cents 126 cents 102 cents 136 cents 136 cents
Share price – 30 September closing price $19.52 $23.68 $24.39 $18.75 $29.70
Other information
Points of representation 1,381 1,394 1,352 1,340 1,327
Number of employees (full-time equivalent) 48,938 47,099 37,687 36,925 34,353
Number of shareholders4 442,943 411,692 396,181 376,813 327,703
1 Adjusted for non-core items that are not part of the normal ongoing operations of the Group including one-off gains and losses, non-continuing businesses, timing differences on economic hedges and acquisition related costs.
2 Basel II methodology has been applied from 1 January 2008. Prior to that values were calculated using Basel I methodology.
3 Average ordinary shareholders' equity excludes non-controlling interests and preference share dividend.
4 Excludes employees whose only ANZ shares are held in trust under ANZ employee share schemes.

NON-FINANCIAL

Five-year Performance Summary 2007–2011

  2011 2010 2009 2008 2007
Our customers
Retail customer satisfaction          
» Australia1 79.8% 79.9% 76.5% 77.1% 77.2%
» New Zealand2 – ANZ 89% 85% 86% 88% 87%
» New Zealand2 – NBNZ 92% 90% 89% 90% 93%
Institutional Relationship Strength Index ranking3          
» Australia 1 1(equal) 2 1 2
» New Zealand 1 1 1 1 1
Our people
Total employees (FTE) 48,938 47,099 37,687 36,925 34,353
Employee engagement survey results 70% 64% 66%4 62% 64%
Total women in management 38.2% 38.4% 36.8% 37% 37%
Investment in learning and development ($m) 50.2 47.5 43.0 58.5 61.1
Lost Time Injury Frequency Rate          
» Australia 2.1 2.2 1.9 2.4 3.0
» New Zealand 1.8 2.2 1.5 2.0 1.6
Our communities5
Total value of community investment ($m) 16.9 16.2 22.2 18.9 17.8
Volunteer hours 91,410 90,651 58,097 79,620 73,098
Our environment6
GHG emissions7 (tonnes CO2-e)          
» Australia 166,756 170,2998 161,985 154,335 154,650
» New Zealand9 11,164 12,429 13,700 16,072 14,559
» Asia Pacific, Europe and America 30,189 22,725 – – –
Paper consumption (tonnes per FTE)10          
» Australia 0.167 0.211 0.178 0.189 0.200
» New Zealand 0.125 0.148 0.146 0.163 0.174
1 Source: Roy Morgan Research – Main Financial Institution
2 Source: Nielsen Consumer Finance Monitor
3 Source: Peter Lee Associates Large Corporate and Institutional Relationship Banking report
4 Interim survey and change in provider; 2009 results onwards are not comparable with previous years.
5 Community investment is measured according to the London Benchmarking Group Methodology and does not include foregone revenue.
6 2011 data is pending external verification. A full verified environmental report will be available on anz.com
7 Scope 1 + 2 only. A full GHG profile (scope 1, 2 and 3) will be available on anz.com
8 OnePath data included from 1 October 2009. ANZ took operational control in December 2009.
9 Emission factors were updated by the NZ Government in 2011 – leading to a revision of 2009/10 data.
10 Includes both office and print (customer) paper