Our focus, a unique geographical presence

Our home markets of Australia and New Zealand represent 90% of the Group's profit. We have grown our Australian business significantly in recent years, and we are the largest bank in New Zealand.

We are the only Australian bank with a significant presence in Asia, and our representation is among the largest in the region. We have a number of retail partnerships in the region, and during the year we entered into a new partnership with Tianjin City Commercial Bank in China. We continue to be in discussions with Shanghai Rural Commercial Bank, and hope to conclude these discussions soon. We remain the number one bank in the Pacific, holding either number one or two position in each market in which we operate. We also have a substantial presence in the key financial centres of London and New York.

Australia
New Zealand
Pacific

American Samoa
Cook Islands
East Timor
Fiji
Kiribati
Papua New
Guinea
Samoa
Solomon Islands
Tonga
Vanuatu
Middle East & South Asia

Asia
Cambodia
China
Hong Kong
Indonesia
Japan
Korea
Malaysia
Philippines
Singapore
Taiwan
Thailand
Vietnam
Europe
United Kingdom
United States of America
 
Australia
Operating Income $6,806m
Cost to income 45.3%
NPAT $2,488m
External Assets $230,898m
Number of Employees 18,723
Points of Representation 873
 
New Zealand (NZD)
Operating Income $2,752m
Cost to income 46.8%
NPAT $951m
External Assets $95,153m
Number of Employees 9,392
Points of Representation 312
 
Asia
Operating Income $323m
Cost to Income 46.8%
NPAT $125m
External Assets $9,562m
Number of Employees 913
Points of representation 22
 
Pacific
Operating Income $286m
Cost to income 44.8%
NPAT $113m
External Assets $2,648m
Number of Employees 1,662
Points of Representation 52
 
Other
Operating Income $268m
Cost to income 44.4%
NPAT $132m
External Assets $9,596m
Number of Employees 1,567
Points of Representation 6


*New Zealand Banking includes New Zealand Businesses and New Zealand Institutional