ANZ Group Holdings Income Statement

Financials in millions AUD. Fiscal year is October - September.

Millions AUD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Interest Income on Loans	53,085	51,139	44,280	21,737	18,188
Interest Income on Investments	10,838	9,500	5,624	1,872	1,341
Total Interest Income	63,923	60,639	49,904	23,609	19,529
Interest Paid on Deposits	42,888	41,401	31,312	8,019	4,830
Interest Paid on Borrowings	3,074	3,169	2,018	716	538
Total Interest Expense	45,962	44,570	33,330	8,735	5,368
Net Interest Income	17,961	16,069	16,574	14,874	14,161
Net Interest Income Growth (YoY)	11.77%	-3.05%	11.43%	5.04%	0.80%
Gain (Loss) on Sale of Assets	15	22	-43	245	-251
Gain (Loss) on Sale of Investments	-285	-21	-	-	-
Gain (Loss) on Sale of Equity Investments	76	105	221	177	-176
Other Non-Interest Income	4,419	4,372	3,719	4,130	3,686
Total Non-Interest Income	4,225	4,478	3,897	4,552	3,259
Non-Interest Income Growth (YoY)	-5.65%	14.91%	-14.39%	39.67%	-9.17%
Revenues Before Loan Losses	22,186	20,547	20,471	19,426	17,420
Provision for Loan Losses	441	406	245	-232	-567
Revenue	21,745	20,141	20,226	19,658	17,987
Revenue Growth (YoY)	7.96%	-0.42%	2.89%	9.29%	20.73%
Salaries and Employee Benefits	6,633	6,037	5,657	5,296	4,946
Occupancy Expenses	1,210	1,128	1,163	1,299	1,343
Amortization of Goodwill & Intangibles	79	6	-	-	-
Selling, General & Administrative	3,098	2,560	2,422	2,315	2,082
Other Non-Interest Expense	960	582	623	568	484
Total Non-Interest Expense	12,102	10,454	9,970	9,478	8,855
EBT Excluding Unusual Items	9,643	9,687	10,256	10,180	9,132
Asset Writedown	-71	-52	-	-	-
Legal Settlements	-	-	-	-	-69
Pretax Income	8,722	9,400	10,087	10,079	8,936
Income Tax Expense	2,790	2,830	2,953	2,940	2,756
Earnings From Continuing Operations	5,932	6,570	7,134	7,139	6,180
Earnings From Discontinued Operations	-	-	-	-19	-17
Minority Interest in Earnings	-41	-35	-28	-1	-1
Net Income	5,891	6,535	7,106	7,119	6,162
Net Income to Common	5,891	6,535	7,106	7,119	6,162
Net Income Growth	-9.86%	-8.04%	-0.18%	15.53%	72.27%
Basic Shares Outstanding	2,973	2,998	2,997	2,848	2,863
Diluted Shares Outstanding	3,180	3,234	3,271	3,138	3,125
Shares Change (YoY)	-1.67%	-1.12%	4.22%	0.42%	-2.37%
EPS (Basic)	1.98	2.18	2.37	2.50	2.15
EPS (Diluted)	1.96	2.15	2.27	2.33	2.03
EPS Growth	-8.64%	-5.44%	-2.48%	14.79%	72.14%
Dividend Per Share	1.660	1.660	1.620	1.460	1.420
Dividend Growth	-	2.47%	10.96%	2.82%	136.67%
Effective Tax Rate	31.99%	30.11%	29.28%	29.17%	30.84%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.