ANZ Group Holdings Limited (ANZGY)

ANZ Group Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	51,139	51,139	44,280	21,737	18,188	22,625
Interest Income on Investments	9,500	9,500	5,624	1,872	1,341	1,801
Total Interest Income	60,639	60,639	49,904	23,609	19,529	24,426
Interest Paid on Deposits	41,401	41,401	31,312	8,019	4,830	9,751
Interest Paid on Borrowings	3,169	3,169	2,018	716	538	626
Total Interest Expense	44,570	44,570	33,330	8,735	5,368	10,377
Net Interest Income	16,069	16,069	16,574	14,874	14,161	14,049
Net Interest Income Growth (YoY)	-3.05%	-3.05%	11.43%	5.03%	0.80%	-2.02%
Gain (Loss) on Sale of Assets	-	-	-43	245	-251	-7
Gain (Loss) on Sale of Investments	-21	-21	-	-	-	-815
Gain (Loss) on Sale of Equity Investments	105	105	221	177	-176	155
Other Non-Interest Income	4,394	4,394	3,719	4,130	3,686	4,255
Total Non-Interest Income	4,478	4,478	3,897	4,552	3,259	3,588
Non-Interest Income Growth (YoY)	14.91%	14.91%	-14.39%	39.67%	-9.17%	-19.30%
Revenues Before Loan Losses	20,547	20,547	20,471	19,426	17,420	17,637
Provision for Loan Losses	406	406	245	-232	-567	2,738
Revenue	20,141	20,141	20,226	19,658	17,987	14,899
Revenue Growth (YoY)	-0.42%	-0.42%	2.89%	9.29%	20.73%	-17.19%
Salaries and Employee Benefits	6,037	6,037	5,657	5,296	4,946	4,768
Occupancy Expenses	1,164	1,164	1,163	1,299	1,343	1,450
Selling, General & Administrative	2,560	2,560	2,422	2,315	2,082	2,015
Other Non-Interest Expense	604	604	623	568	484	605
Total Non-Interest Expense	10,506	10,506	9,970	9,478	8,855	8,948
EBT Excluding Unusual Items	9,635	9,635	10,256	10,180	9,132	5,951
Asset Writedown	-	-	-	-	-	-197
Legal Settlements	-	-	-	-	-69	-
Pretax Income	9,400	9,400	10,087	10,079	8,936	5,516
Income Tax Expense	2,830	2,830	2,953	2,940	2,756	1,840
Earnings From Continuing Operations	6,570	6,570	7,134	7,139	6,180	3,676
Earnings From Discontinued Operations	-	-	-	-19	-17	-98
Minority Interest in Earnings	-35	-35	-28	-1	-1	-1
Net Income	6,535	6,535	7,106	7,119	6,162	3,577
Net Income to Common	6,535	6,535	7,106	7,119	6,162	3,577
Net Income Growth	-8.04%	-8.04%	-0.18%	15.53%	72.27%	-39.91%
Basic Shares Outstanding	2,998	2,998	2,997	2,848	2,863	2,831
Diluted Shares Outstanding	3,234	3,234	3,271	3,138	3,125	3,201
Shares Change (YoY)	-1.12%	-1.12%	4.22%	0.42%	-2.37%	3.88%
EPS (Basic)	2.18	2.18	2.37	2.50	2.15	1.26
EPS (Diluted)	2.15	2.15	2.27	2.33	2.03	1.18
EPS Growth	-5.44%	-5.44%	-2.47%	14.78%	72.14%	-41.54%
Dividend Per Share	1.660	1.660	1.620	1.460	1.420	0.600
Dividend Growth	2.47%	2.47%	10.96%	2.82%	136.67%	-62.50%
Effective Tax Rate	30.11%	30.11%	29.28%	29.17%	30.84%	33.36%

Source: S&P Capital IQ. Banks template. Financial Sources.