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ANZ Group Holdings Ltd · Financials

ASX: ANZ · Financials · Diversified Banks

A$36.47
At close 24 Jul 2026

Income Statement, FY16–FY25

Revenue, costs and profitability, exactly as reported in each year's audited accounts. Negative figures shown in (brackets).

10 financial years
Line item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Interest Income
Total Interest Income 30.0B 29.1B 30.3B 31.1B 24.4B 19.5B 23.6B 49.9B 60.6B 63.9B
Total Interest Expense (14.9B) (14.2B) (15.8B) (16.7B) (10.4B) (5.4B) (8.7B) (33.3B) (44.6B) (46.0B)
Net Interest Income 15.1B 14.9B 14.5B 14.3B 14.0B 14.2B 14.9B 16.6B 16.1B 18.0B
Credit Provisions
Provision for Loan Losses (1.9B) (1.2B) (688M) (794M) (2.7B) (567M) – (245M) (406M) (441M)
Net Interest Income After Provisions 13.2B 13.7B 13.8B 13.5B 11.3B – – 16.3B 15.7B 17.5B
Non-Interest Income/Expense
Total Non-Interest Income 5.5B 5.4B 5.5B 4.4B 3.6B 3.3B 4.6B 3.9B 4.5B 4.2B
Total Non-Interest Expense (10.4B) (9.4B) (9.4B) (9.1B) (9.4B) (9.1B) (9.6B) (10.1B) (10.7B) (13.0B)
Income
Income Before Taxes 8.2B 9.6B 9.9B 8.9B 5.5B 8.9B 10.1B 10.1B 9.4B 8.7B
Income Tax (2.5B) (3.2B) (2.8B) (2.6B) (1.8B) (2.8B) (2.9B) (2.9B) (2.8B) (2.8B)
Net Income 5.7B 6.4B 6.4B 6.0B 3.6B 6.2B 7.1B 7.1B 6.5B 5.9B
Per Share Data
Basic EPS 1.974 2.201 2.216 2.1 1.264 2.171 2.5 2.368 2.179 1.982
Diluted EPS 1.893 2.108 2.121 2.019 1.18 2.049 2.332 2.272 2.151 1.965
Shares Outstanding (in millions)
Basic Shares 2.9B 2.9B 2.9B 2.8B 2.8B 2.8B 2.8B 3.0B 3.0B 3.0B
Diluted Shares 3.2B 3.2B 3.1B 3.1B 3.2B 3.1B 3.1B 3.3B 3.2B 3.2B

Balance Sheet, FY16–FY25

Assets, liabilities and shareholders' equity at each financial year end. Negative figures shown in (brackets).

10 financial years
Line item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Cash & Liquid Assets
Cash & Liquid Assets 66.2B 68.0B 84.6B 81.6B 107.9B 151.3B 168.1B 168.2B 151.0B 155.2B
Receivables from Financial Institutions 4.4B 5.5B 2.3B 3.7B 7.5B 7.5B 4.8B 9.3B 5.5B 23.4B
Central Bank Deposits 2.3B 2.0B 882M 879M 801M 671M 632M 646M 665M 541M
Trading & Investment Securities
Trading Assets 47.2B 43.6B 37.7B 43.2B 50.9B 44.7B 35.2B 37.0B 45.8B 48.2B
Derivative Assets 87.5B 62.5B 68.4B 120.7B 135.3B 38.7B 90.2B 60.4B 54.4B 47.5B
Investment Securities (Amortised Cost) – – – – – 83.1B – – – 165.7B
Investment Securities (FVOCI) 63.1B 69.4B 74.3B 83.7B 93.4B – 86.2B – 140.5B –
Loans & Advances
Loans & Other Receivables 575.9B 574.3B 604.5B 615.3B 617.1B 629.7B 672.4B 707.0B 803.4B 829.5B
Allowance for Loan Losses – – – – – – – – – –
Other Assets
Premises & Equipment 2.2B 2.0B 1.8B 1.9B 3.0B 2.7B 2.4B 2.1B 2.2B 2.1B
Goodwill 7.7B 7.0B 4.9B 4.9B 4.4B 4.1B 3.9B 4.1B 5.5B 5.8B
Intangible Assets – – – – – – – – – –
Deferred Tax Assets 623M 675M 900M 1.4B 2.1B 2.3B 3.4B 3.3B 3.3B 3.3B
Other Assets 5.0B 5.1B 3.7B 3.9B 3.1B 2.7B 3.6B 5.1B 5.4B 4.9B
Total Assets 914.9B 897.3B 943.2B 981.1B 1,042.3B 978.9B 1,085.7B 1,105.6B 1,229.1B 1,297.1B
Deposits
Deposits & Public Borrowings 588.2B 595.6B 618.2B 637.7B 682.3B 743.1B 797.3B 814.7B 903.6B 955.1B
Due to Financial Institutions
Payables to Financial Institutions 10.6B 9.9B 11.8B 10.9B 22.2B 17.4B 13.8B 19.3B 16.2B 31.1B
Derivative Liabilities 88.7B 62.3B 69.7B 121.0B 134.7B 36.0B 85.1B 57.5B 55.3B 43.9B
Liabilities Held for Sale – 4.7B 47.2B 2.1B – – – – – –
Borrowings & Debt
Short-term Borrowings – – – – – – – – – –
Long-term Borrowings – – – – – – – – – –
Debt Issues 113.0B 108.0B 121.2B 129.7B 119.7B 101.1B 93.7B 116.0B 156.4B 169.3B
Loan Capital (Tier 2) – – – – – – – – – –
Other Liabilities
Provisions 1.2B 1.2B 2.0B 2.8B 3.2B 2.8B 2.4B 2.3B 2.2B 3.2B
Current Tax Liabilities 188M 241M 300M 260M 349M 419M 829M 305M 36M 537M
Other Liabilities 3.3B 4.4B – – – – – 15.0B 17.9B –
Total Liabilities 856.9B 838.3B 883.8B 920.3B 981.0B 915.2B 1,019.3B 1,035.6B 1,158.5B 1,225.2B
Net Assets 57.9B 59.1B 59.4B 60.8B 61.3B 63.7B 66.4B 70.0B 70.6B 71.9B
Shareholders' Equity
Common Stock 28.8B 29.1B 27.2B 26.5B – – 28.8B 29.1B 28.2B 28.2B
Additional Paid-in Capital – – – – – – – – – –
Reserves 1.1B 37M 323M 1.6B – – (2.6B) (1.7B) (1.8B) (1.6B)
Retained Earnings 28.0B 29.8B 31.7B 32.7B – – 39.7B 42.2B 43.4B 44.5B
Other Comprehensive Income – – – – – – – – – –
Non-controlling Interest 109M 116M 140M 11M 100M 110M 494M 522M 771M 739M
Total Shareholders' Equity 57.9B 59.1B 59.4B 60.8B 61.3B 63.7B 66.4B 70.0B 70.6B 71.9B
Total Liabilities & Equity 914.9B 897.3B 943.2B 981.1B 1,042.3B 978.9B 1,085.7B 1,105.6B 1,229.1B 1,297.1B

Cash Flow, FY16–FY25

Cash generated and spent across operating, investing and financing activities. Negative figures shown in (brackets).

10 financial years
Line item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Operating Activities
Interest Received – – – – 24.8B 19.6B 22.7B 48.3B 59.6B 64.0B
Provision for Loan Losses 1.9B 1.2B 688M 794M 2.7B (567M) (232M) 245M 406M 441M
Net Cash from Operating Activities 10.8B 24.0B 10.6B (4.6B) 40.3B 43.8B 20.2B 6.5B 10.0B 26.1B
Investing Activities
Purchase of Securities (44.2B) (27.2B) (23.8B) (23.8B) (40.0B) (52.6B) (34.3B) (52.0B) (84.8B) (83.3B)
Purchase of PPE – – – – – – – – – –
Net Cash from Investing Activities (14.4B) (12.8B) 166M (206M) (11.5B) 10.3B (1.8B) (10.7B) (42.1B) (23.9B)
Financing Activities
Debt Repayments (28.9B) (27.4B) (15.9B) (23.0B) (21.4B) (27.7B) (26.2B) (24.3B) (25.4B) (38.6B)
Dividends Paid (4.6B) (4.2B) (4.6B) (4.5B) (2.9B) (2.8B) (3.8B) (4.4B) (5.3B) (4.6B)
Share Repurchases – (176M) (2.0B) (1.2B) (122M) (733M) (963M) (21M) (1.0B) (417M)
Stock Issuance – – – – – – 3.5B 47.7B 252M –
Net Cash from Financing Activities 2.0B (6.7B) 2.6B (2.8B) (432M) (9.7B) (2.3B) 4.4B 17.9B 612M
Cash Position
Net Change in Cash (1.6B) 4.5B 13.4B (7.5B) 28.4B 44.4B 16.0B 187M (14.3B) 2.8B
Effect of Forex Changes (1.4B) (2.6B) 3.6B 4.2B (2.1B) (1.1B) 858M (165M) (2.9B) 1.5B
Cash at Beginning of Period 69.3B 66.2B 68.0B 85.0B 81.6B 107.9B 15.1B 168.1B 168.2B 151.0B
Cash at End of Period 66.2B 68.0B 85.0B 81.6B 107.9B 151.3B 16.8B 168.2B 151.0B 155.2B

Analysis

How have ANZ's (ANZ Group Holdings) net interest income, margins and earnings per share trended over time?

Net interest income, ANZ's primary source of revenue, has fluctuated across the reported decade, dipping from $15.1B in FY2016 to a low of $14.0B in FY2020, before climbing to $18.0B in FY2025, the highest level in the series. Non-interest income followed a more uneven path, falling from $5.5B in FY2016 to $3.3B in FY2021, before recovering to $4.2B in FY2025.

Net interest margin has trended lower over the period, from 2.07% in FY2016 to 1.55% in FY2025, with the steepest decline occurring between FY2018 (1.87%) and FY2020 (1.63%). Provisions for loan losses varied sharply across the years, from a charge of $1.9B in FY2016 to no net provision recorded in FY2022, before increasing again to charges of $245M in FY2023, $406M in FY2024 and $441M in FY2025.

Diluted EPS moved from $1.89 in FY2016 to a peak of $2.33 in FY2022, before declining to $1.97 in FY2025, even as the number of shares on issue rose from 2.89 billion to 2.97 billion over the same span, indicating that per-share earnings did not keep pace with the increase in shares outstanding in the later years.

Updated 6 Jul 2026

How resilient is ANZ Group Holdings' balance sheet, based on its assets, deposits and capital?

ANZ Group Holdings' total assets grew from $914.9B in FY2016 to $1,297.1B in FY2025, an increase of roughly 42% over the decade. Loans and other receivables rose from $575.9B to $829.5B over the same period, while deposits and public borrowings grew from $588.2B to $955.1B. Because deposits grew faster than loans, the loan-to-deposit relationship implied by these figures eased from about 97.9% in FY2016 to about 86.8% in FY2025, pointing to a funding base that has become somewhat less loan-heavy relative to deposits.

Total equity increased from $57.9B in FY2016 to $71.9B in FY2025, while total liabilities grew from $856.9B to $1,225.2B. Assets relative to equity rose from about 15.8 times to about 18.1 times over the decade, indicating balance sheet leverage has crept higher even as the equity base itself has grown. Retained earnings rose from $28.0B in FY2016 to $44.5B in FY2025, though the FY2020 and FY2021 figures are not disclosed in the company's reported figures.

Taken together, the reported figures show an asset base and deposit franchise that have both expanded substantially, with equity growing more slowly than the balance sheet as a whole. Whether this represents a resilient structure depends on capital adequacy and asset quality measures not captured in these particular line items.

Updated 4 Jul 2026

How much cash has ANZ Group Holdings generated from operations, and what has it paid out to shareholders?

Operating cash flow at ANZ Group Holdings has been volatile across the decade to FY2025, ranging from a negative $4.55B in FY2019 to a high of $43.8B in FY2021. It reached $40.3B in FY2020, then fell back to $6.5B in FY2023 and $10.0B in FY2024, before rising again to $26.1B in FY2025. Capital expenditure is not disclosed in the company's reported figures, so a free-cash-flow figure cannot be derived from operating cash flow alone.

Dividend payments have stayed within a comparatively narrow range through this volatility, from $2.8B in both FY2020 and FY2021 up to a decade-high $5.3B in FY2024, before easing to $4.6B in FY2025. Share buybacks have been smaller and more sporadic, absent in FY2016, peaking at $2.0B in FY2018, and running at $417M in FY2025 - suggesting dividends rather than buybacks have been the primary channel for returning cash to shareholders.

Updated 4 Jul 2026

AI-assisted analysis generated from Craytheon's verified financial data · How this works

Data is general information only, not financial advice. Figures are as reported in company filings (some ASX companies report in USD); share prices are AUD.