Australia and New Zealand Banking Group Limited
We provide banking and financial products and services to around 8.7 million retail and business customers, and operate across 32 markets.
Financials
Large, geographically diverse banks with a national footprint whose revenues are derived primarily from conventional banking operations, have significant business activity in retail banking and small and medium corporate lending, and provide a diverse range of financial services. Excludes banks classified in the Regional Banks and Thrifts & Mortgage Finance Sub-Industries. Also excludes investment banks classified in the Investment Banking & Brokerage Sub-Industry.
Commercial banks whose businesses are derived primarily from conventional banking operations and have significant business activity in retail banking and small and medium corporate lending. Regional banks tend to operate in limited geographic regions. Excludes companies in the Diversified Banks and Thrifts & Mortgage Banks sub-industries. Also excludes investment banks classified in the Investment Banking & Brokerage sub-industry.
Financial institutions providing mortgage and mortgage related services. These include financial institutions whose assets are primarily mortgage related, savings & loans, mortgage lending institutions, building societies and companies providing insurance to mortgage banks.
Providers of a diverse range of financial services and/or with some interest in a wide range of financial services including banking, insurance and capital markets, but with no dominant business line. Excludes companies classified in the Regional Banks and Diversified Banks Sub-Industries.
A company with significantly diversified holdings across three or more sectors, none of which contribute a majority of profit and/or sales. Stakes held are predominantly of a non-controlling nature. Includes diversified financial companies where stakes held are of a controlling nature. Excludes other diversified companies classified in the Industrials Conglomerates sub-industry.
Providers of specialized financial services not classified elsewhere. Companies in this sub-industry derive a majority of revenue from one specialized line of business. Includes, but not limited to, commercial financing companies, central banks, leasing institutions, factoring services, and specialty boutiques. Excludes companies classified in the Financial Exchanges & Data sub-industry.
Providers of consumer finance services, including personal credit, credit cards, lease financing, travel-related money services and pawn shops. Excludes mortgage lenders classified in the Thrifts & Mortgage Finance sub-industry.
Financial institutions primarily engaged in investment management and/or related custody and securities fee-based services. Includes companies operating mutual funds, closed-end funds and unit investment trusts. Excludes banks and other financial institutions primarily involved in commercial lending, investment banking, brokerage and other specialized financial activities.
Financial institutions primarily engaged in investment banking and brokerage services, including equity and debt underwriting, mergers and acquisitions, securities lending and advisory services. Excludes banks and other financial institutions primarily involved in commercial lending, asset management and specialized financial activities.
Financial institutions primarily engaged in diversified capital markets activities, including a significant presence in at least two of the following areas: large/major corporate lending, investment banking, brokerage and asset management. Excludes less diversified companies classified in the Asset Management & Custody Banks or Investment Banking & Brokerage sub-industries. Also excludes companies classified in the Banks or Insurance industry groups or the Consumer Finance sub-industry.
Financial exchanges for securities, commodities, derivatives and other financial instruments, and providers of financial decision support tools and products including ratings agencies.
Companies or Trusts that service, originate, purchase and/or securitize residential and/or commercial mortgage loans. Includes trusts that invest in mortgage-backed securities and other mortgage related assets.
Insurance and reinsurance brokerage firms.
Companies providing primarily life, disability, indemnity or supplemental health insurance. Excludes managed care companies classified in the Managed Health Care sub-industry.
Insurance companies with diversified interests in life, health and property and casualty insurance.
Companies providing primarily property and casualty insurance.
Companies providing primarily reinsurance.
Profit & Loss
| $ | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 88,464,000,000 | 118,923,000,000 | 141,576,000,000 | 139,260,000,000 | 134,030,000,000 | 139,746,000,000 | 144,663,000,000 | 144,890,000,000 | 147,731,000,000 | 161,377,000,000 |
| Cost of Goods Sold | -22,618,000,000 | -49,932,000,000 | -72,984,000,000 | -70,592,000,000 | -67,344,000,000 | -70,249,000,000 | -75,848,000,000 | -77,546,000,000 | -83,184,000,000 | -98,187,000,000 |
| Gross Profit | 65,846,000,000 | 68,991,000,000 | 68,592,000,000 | 68,668,000,000 | 66,686,000,000 | 69,497,000,000 | 68,815,000,000 | 67,344,000,000 | 64,547,000,000 | 63,190,000,000 |
| Operating Costs | -23,774,000,000 | -31,867,000,000 | -25,031,000,000 | -16,814,000,000 | -17,628,000,000 | -18,792,000,000 | -17,328,000,000 | -19,423,000,000 | -20,252,000,000 | -21,498,000,000 |
| Operating Profit | 42,072,000,000 | 37,124,000,000 | 43,561,000,000 | 51,854,000,000 | 49,058,000,000 | 50,705,000,000 | 51,487,000,000 | 47,921,000,000 | 44,295,000,000 | 41,692,000,000 |
| Financing Costs | 715,000,000 | -11,272,000,000 | -4,125,000,000 | -3,880,000,000 | -4,330,000,000 | -5,964,000,000 | -4,371,000,000 | -3,884,000,000 | -5,522,000,000 | -6,723,000,000 |
| Profit Before Tax | 42,787,000,000 | 25,852,000,000 | 39,436,000,000 | 47,974,000,000 | 44,728,000,000 | 44,741,000,000 | 47,116,000,000 | 44,037,000,000 | 38,773,000,000 | 34,969,000,000 |
| Income Tax | -12,822,000,000 | -8,582,000,000 | -11,181,000,000 | -12,876,000,000 | -13,344,000,000 | -12,957,000,000 | -13,778,000,000 | -13,153,000,000 | -11,820,000,000 | -10,535,000,000 |
| Profit | 29,965,000,000 | 17,270,000,000 | 28,255,000,000 | 35,098,000,000 | 31,384,000,000 | 31,784,000,000 | 33,338,000,000 | 30,884,000,000 | 26,953,000,000 | 24,434,000,000 |
Balance Sheet
| $ | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | 4,178,317,000,000 | 4,074,075,000,000 | 3,888,301,000,000 | 3,732,921,000,000 | 3,640,692,000,000 | 3,703,109,000,000 | 3,760,706,000,000 | 3,416,590,000,000 | 3,159,946,000,000 | 3,002,799,000,000 |
| Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Assets | 4,178,317,000,000 | 4,074,075,000,000 | 3,888,301,000,000 | 3,732,921,000,000 | 3,640,692,000,000 | 3,703,109,000,000 | 3,760,706,000,000 | 3,416,590,000,000 | 3,159,946,000,000 | 3,002,799,000,000 |
| Current Liabilities | 3,878,701,000,000 | 3,765,198,000,000 | 3,617,810,000,000 | 3,467,342,000,000 | 3,386,298,000,000 | 3,448,932,000,000 | 3,515,976,000,000 | 3,197,717,000,000 | 2,952,387,000,000 | 2,803,493,000,000 |
| Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 3,878,701,000,000 | 3,765,198,000,000 | 3,617,810,000,000 | 3,467,342,000,000 | 3,386,298,000,000 | 3,448,932,000,000 | 3,515,976,000,000 | 3,197,717,000,000 | 2,952,387,000,000 | 2,803,493,000,000 |
| Total Equity | 299,616,000,000 | 308,877,000,000 | 270,491,000,000 | 265,579,000,000 | 254,394,000,000 | 254,177,000,000 | 244,730,000,000 | 218,873,000,000 | 207,559,000,000 | 199,306,000,000 |
Cash Flow
| $ | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow from Operating Activities | 139,129,000,000 | 186,272,000,000 | 40,018,000,000 | 26,794,000,000 | 32,714,000,000 | 41,354,000,000 | 12,599,000,000 | 30,931,000,000 | 51,329,000,000 | 26,634,000,000 |
| Cash Flow from Investing Activities | 15,961,000,000 | -30,529,000,000 | -9,664,000,000 | -3,767,000,000 | -8,722,000,000 | -48,737,000,000 | -27,469,000,000 | -20,322,000,000 | -20,810,000,000 | -39,207,000,000 |
| Cash Flow from Financing Activities | -26,594,000,000 | -88,102,000,000 | -41,464,000,000 | -6,974,000,000 | 315,000,000 | 15,105,000,000 | 651,000,000 | 3,204,000,000 | -33,277,000,000 | 20,403,000,000 |
| Net Change in Cash | 128,496,000,000 | 67,641,000,000 | -11,110,000,000 | 16,053,000,000 | 24,307,000,000 | 7,722,000,000 | -14,219,000,000 | 13,813,000,000 | -2,758,000,000 | 7,830,000,000 |
| Cash at Beginning | 256,397,000,000 | 181,458,000,000 | 181,834,000,000 | 157,039,000,000 | 136,583,000,000 | 141,481,000,000 | 136,026,000,000 | 117,086,000,000 | 119,641,000,000 | 103,993,000,000 |
| Exchange Fluctuations | -3,526,000,000 | -1,769,000,000 | 7,021,000,000 | 8,385,000,000 | -3,851,000,000 | -8,394,000,000 | 19,674,000,000 | 5,127,000,000 | 8,115,000,000 | -2,710,000,000 |
| Cash at End of Period | 381,367,000,000 | 247,330,000,000 | 177,745,000,000 | 181,477,000,000 | 157,039,000,000 | 140,809,000,000 | 141,481,000,000 | 136,026,000,000 | 124,998,000,000 | 109,113,000,000 |
Profitability
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.4% | 58.0% | 48.4% | 49.3% | 49.8% | 49.7% | 47.6% | 46.5% | 43.7% | 39.2% |
| Operating Margin | 47.6% | 31.2% | 30.8% | 37.2% | 36.6% | 36.3% | 35.6% | 33.1% | 30.0% | 25.8% |
| Profit Margin | 33.9% | 14.5% | 20.0% | 25.2% | 23.4% | 22.7% | 23.0% | 21.3% | 18.2% | 15.1% |
Management Effectiveness
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Assets | 0.7% | 0.4% | 0.7% | 0.9% | 0.9% | 0.9% | 0.9% | 0.9% | 0.9% | 0.8% |
| Return on Equity | 10.0% | 5.6% | 10.4% | 13.2% | 12.3% | 12.5% | 13.6% | 14.1% | 13.0% | 12.3% |
| Current Ratio | 1.08 | 1.08 | 1.07 | 1.08 | 1.08 | 1.07 | 1.07 | 1.07 | 1.07 | 1.07 |
| Debt to Equity Ratio | 12.95 | 12.19 | 13.37 | 13.06 | 13.31 | 13.57 | 14.37 | 14.61 | 14.22 | 14.07 |
Valuation
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Share Price ($) | 41.87 | 25.03 | 37.84 | 34.44 | 37.68 | 34.04 | 35.61 | 36.55 | 35.06 | 27.23 |
| Shares on Issue | 11,904,000,379 | 13,335,537,920 | 12,565,917,575 | 12,468,196,321 | 12,412,293,177 | 12,353,580,772 | 12,040,043,974 | 11,533,794,583 | 11,395,670,900 | 11,225,409,149 |
| Market Capitalisation ($) | 498,390,568,282 | 333,810,341,668 | 475,474,085,641 | 429,396,245,736 | 467,709,090,973 | 420,459,072,512 | 428,738,583,395 | 421,588,680,223 | 399,490,061,325 | 305,714,702,645 |
| Revenue per Share ($) | 7.43 | 8.92 | 11.27 | 11.17 | 10.80 | 11.31 | 12.02 | 12.56 | 12.96 | 14.38 |
| Earnings per Share ($) | 2.52 | 1.30 | 2.25 | 2.82 | 2.53 | 2.57 | 2.77 | 2.68 | 2.37 | 2.18 |
| Dividends per Share ($) | 1.12 | 1.01 | 1.74 | 0.89 | 1.11 | 1.79 | 1.58 | 0.79 | 1.53 | 0.51 |
| Dividend Yield | 2.7% | 4.0% | 4.6% | 2.6% | 3.0% | 5.3% | 4.4% | 2.2% | 4.4% | 1.9% |
| Price to Sales Ratio | 5.6 | 2.8 | 3.4 | 3.1 | 3.5 | 3.0 | 3.0 | 2.9 | 2.7 | 1.9 |
| Price to Earnings Ratio | 16.6 | 19.3 | 16.8 | 12.2 | 14.9 | 13.2 | 12.9 | 13.7 | 14.8 | 12.5 |
| Price to Book Ratio | 1.7 | 1.1 | 1.8 | 1.6 | 1.8 | 1.7 | 1.8 | 1.9 | 1.9 | 1.5 |
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