We’re building an ANZ that improves the financial wellbeing and sustainability of customers, focused on:
Helping people save for, buy and own a sustainable, livable and affordable home.
Helping people start or buy and sustainably grow their business.
Helping companies move goods and capital around the region and sustainably grow their business.
Sustainable investment delivering real impact
Kiteral Rural
Fund manager Kilter Rural invests in the regeneration of rural farmland, water assets and environmental protection.
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50,000 people saving for the future
Saver Plus
This year Saver Plus reached a significant milestone. The program has now enabled more than 50,000 lower income Australians to save around $26 million for their education costs, with ANZ providing matching of $21 million.
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Increasing suitable housing for people with disability
Specialist Disability Accommodation (SDA)
Australia suffers from a chronic lack of housing supply for people with disability.
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Helping women start, run and grow a small business
The ANZ Business Growth Program
The ANZ Business Growth Program, established in 2014, is delivered by The Australian Centre for Business Growth, University of South Australia.
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Empowering Aboriginal youth for a bright future
Ganbina Youth Leadership Program
Juggling the final year of high school, two after-school jobs, a Certificate II in Business, a school-based traineeship and a local Aboriginal school-to-work transition program, young Indigenous Australian woman Talia Trimboli is seizing every opportunity that comes her way.
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Pacific workers picking financial skills and fresh produce
MoneyMinded
Our MoneyMinded financial education program – designed to help adults build budgeting, saving and money skills – has been helping Pacific workers during their mandatory two-week quarantine period in Australia.
Read storyHow We Create Value
Our value creation model outlines how we deliver positive outcomes for our key stakeholders through our business activities, and identifies the value drivers (or capitals) – that we rely on to meet our strategic goals and build a better bank. Long-term value creation is dependent on our ability to successfully manage the risks and opportunities in our operating environment.
Value Drivers
Products and services
Loans, transaction banking services, deposits and other financial products developed for our customers.
Finance
Loans, transaction banking services, deposits and other financial products developed for our customers.
People
Loans, transaction banking services, deposits and other financial products developed for our customers.
Technology, data and risk management
Loans, transaction banking services, deposits and other financial products developed for our customers.
Environment
Loans, transaction banking services, deposits and other financial products developed for our customers.
Social
Loans, transaction banking services, deposits and other financial products developed for our customers.
... ENABLE OUR BUSINESS ACTIVITIES ...
... CREATING VALUE FOR OUR STAKEHOLDERS1
SHAREHOLDER VALUE
We generate stronger long-term financial results (in terms of sustainable economic profits) enabling shareholders to meet their goals
- 218.3 cents earnings per share2
- 9.9% cash return on equity2
- Proposed final dividend per share of 72 cents and interim dividend per share of 70 cents
- $21.09 net tangible assets per share3
- 70.7% total shareholder return (TSR) in 2021
- 31.8% TSR over the past 5 years
CUSTOMER VALUE
Our customers are financially better off over their lifetime and implement more sustainable business practices than others
- $368 billion home loan portfolio, increase of $12 billion in 2021 (Australia and New Zealand)
- Business loan balance of $91 billion and customer deposits of $105 billion (Australia and New Zealand)
- $12.8 billion funded and facilitated in sustainable solutions
EMPLOYEE VALUE
Our diverse teams are engaged and optimised for success
- 81% employee engagement
- 35.3% Women in leadership
- $4.9 billion in employee salaries and benefits
- Over 1,275,000 hours of training provided
COMMUNITY VALUE
Our practices and services provide more opportunity for the community and we have supported and improved positive economic development and transition
- Invested $1.29 billion in social and sustainable housing in Australia and NZ$150 million in New Zealand
- $2.4 billion in taxes paid to government4
- More than 67,600 people reached through our financial literacy programs MoneyMinded and Saver Plus5
- Engaged with 100 of our largest emitting business customers to support their low carbon transition
186 years old and
70 years as ANZ
“The values forged in this merger 70 years ago are still part of the fabric of who we are today. We are still a bank that wants to back people with a vision for a better life.”
Shayne Elliott | Chief Executive Officer
