Anz Group Holdings Limited · ASX:ANZ
Anz — Australia and New Zealand Banking Group — H1 2003 Earnings Presentation
69 slides from Anz's earnings presentation, Apr 24, 2003
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Slide 2: Agenda
Slide 3: a eee Se
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Slide 4: 2003 Interim Results
Slide 5: A reasonable result
Slide 6: a eee
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Slide 7: Credit Quality
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Slide 8: Result driven by asset & deposit growth, non-interest income impacted by one offs
Slide 9: Higher interest income, driven by strong asset growth
Slide 10: Writedown
writedown
Slide 11: HNL
(200: HNL
Slide 12: Provisioning charge reflects conservative management
Slide 13: Results
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Slide 14: ___* Excludes funding costs
___* Excludes funding costs
Slide 15: Consumer Finance – challenges, but good underlying performance
Slide 16: Mortgages – well placed to benefit from shift to mortgage brokers
Slide 17: Institutional & Investment Banking - a leading franchise
Institutio! al& Investment Banking - a leading franchise Consistently strong _ NPAT Farenth "secured lending 80% of 7 x a Structured Finance | i1Corp Fin& Ady
Slide 18: Corporate and SME - well positioned for upswing in business lending
orporate and SME - - well. Positioned for upswing in business lending | & I
Slide 19: mortisation,
GO Hi mortisation, ncludes tax impact
Slide 20: But strong account and deposit growth
2 but strong account and deposit gro vi he “Up 229%
Slide 21: Insurance
Insurance annualised basis _
Slide 22: HIN
GO HIN
Slide 23: Portfolio performance
a OO = Port per ormance 7 i La es y Ca, Pee Loy ; z ; , 2 ; ; ; A I
Slide 24: Arrears profile close to historical lows
Slide 25: Mortgages portfolio healthy
Slide 26: Domestic corporates well placed
Slide 27: US energy portfolio – some issues, remains containable
Slide 28: Deterioration in global electricity sector has stabilised
Slide 29: Global Telco portfolio – no material issues expected
Slide 30: Limit epresent total
Limit epresent total ne redit ii
Slide 31: Specific provisions down 29% – no large single provisions
Slide 32: Historic non-accrual loans
Historic - Gross Non- eel 2 ns oS) << _Non- -Accrual Loans/ ae ULL Lo 7700) Cl m 2002 i iMar03 1998 1999 2000 2001 2002 Mar03_
Slide 33: New non-accruals down 50% on March 2002
Slide 34: Existing and future problem loans well provided for
Slide 35: een
ge 2) i een LG GO HI A ve vy oo it Q i erforma He a Lp
Slide 36: Dividend payout ratio likely to trend upwards
Slide 37: Drivers of ACE ratio
Drivers of ACE ratio arnings Di OU I
Slide 38: ii
20 ii
Slide 39: Summary
Slide 40: a eee Se
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Slide 41: Distinctive strategy and track record clear themes going forward
Distinctive strategy and track record 4 clear themes going forward Seoretieries = = ANZ relative TSK ey 7 (base $100) _ | $1,200 4 Leverage real capabilities to build 31, ca | sustainable strategic position . Grow value by creating arch 077] — portfolio of specialised businesses —_/ L Ly ) _ WANZ |
Slide 42: Leverage real capabilities to build sustainable strategic position
Slide 43: Mortgages
Mortgages Current. ANZ Position. : a
Slide 44: Develop Institutional
Develop Institutional risk concentrations ] _Leverage specialised \ ( Suwon) / Mortgages | _ ANZ voruer Position
Slide 45: Applying the lessons from Grindlays - a distinctive Asian strategy is emerging
Slide 46: Aim to make ANZ one of the best managed and most efficient banks in the world
Slide 47: Bold and different, leveraging a unique performance culture
Bold and different, oe a unique _pistinetive j | Systematic improvement | Aim to be distinctive - financia * Build on preferred _employer status * Gain shareholder | and community © Motivation OU HIN
Slide 48: _ higher than earnings
_ higher than earnings
Slide 49: = Se an _
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Slide 50: IIL
G3 IIL
Slide 51: TFT FF i
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Slide 52: AIT
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Slide 53: Asset Finance – a leading position, & developing new momentum
Slide 54: Geographic growth
ographic growth —
Slide 55: Increased focus on agribusiness
Increased focus on agribusiness. 00 i I
Slide 56: Strategic for Asia
_» Strategic for Asia & net ing Relationsh: 56 I
Slide 57: HIN
HIN
Slide 58: i ( f I
i ( f I
Slide 59: Interim results
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Slide 60: Mortgages – low representation in inner city Sydney and Melbourne
Slide 61: Group risk grade profile
Slide 62: Institutional & Corporate Risk Grade Profiles
Institutional & Corporate Risk Grade Profiles: on ial B aking B+ to CCC _ Non Becrual 00 INL
Slide 63: Specific provisions in most businesses lower than expected losses
Slide 64: GSF)
GSF) 002 INL
Slide 65: HI
03 HI
Slide 66: Increased industry diversification
Slide 67: HIN
GG HIN
Slide 68: HIN
G HIN
Slide 69: LO {3 i
LO 0 {3 i HIN
Australia and New Zealand Banking Group — H1 2003 Earnings Presentation on 6ix