ANZ has reported a statutory profit of $5.89 billion for the full year ending 30 September 2025, representing a 10% decrease from the previous year. The bank’s cash profit stood at $5.79 billion, while its Common Equity Tier 1 Ratio was recorded at 12.0%. Cash Return on Equity and Cash Return on Tangible Equity were 8.1% and 8.8%, respectively.
Excluding significant items amounting to $1.11 billion—related to regulatory settlements and restructuring charges as announced on 31 October—cash profit remained flat compared to the prior year at $6.90 billion. The cash return on equity in this scenario was 9.6%, with a cash return on tangible equity of 10.5%.
The Board has proposed a final dividend of 83 cents per share, partially franked at 70%, bringing the total full-year dividend to $1.66 per share.
Chief Executive Officer Nuno Matos commented: “Today’s results highlight three things. First, our franchise has a strong competitive position. We have two scale markets, Australia and New Zealand, two market leading positions, our Institutional and New Zealand businesses, and a well-diversified business benefitting from our strong presence in Asia, the fastest growing economic region in the world.
“Second, we have a significant opportunity to improve our performance in Australia Retail and Business & Private Bank, while extending our leadership in Institutional and New Zealand.
“Third, ANZ 2030 is the right strategy to capture these opportunities.
“Our full year statutory profit of $5.89 billion was down 10% on the previous year’s performance, impacted by significant items of $1.1 billion as we resolved long-standing regulatory investigations, and actions taken to simplify our business. While our financial performance held steady when excluding these items, our performance as a business reinforces the importance of our ANZ 2030 strategy.
“Looking at our four main divisions, Institutional and New Zealand have performed consistently well, however Australia Retail and Business & Private Bank have underperformed. Despite growth in both assets and deposits, intense competition and a falling interest rate environment impacted margins.
“We have maintained a strong focus on the fundamentals of our balance sheet, capital, provisioning, and the composition of our business. A final dividend of 83 cents per share reflects the underlying financial performance of the business and our confidence in our strategy.
“We continue to make progress on our immediate priorities at pace, including embedding our leadership team and our culture reset, accelerating the integration of Suncorp Bank, delivering the ANZ Plus single-customer front-end, simplifying the bank and reducing duplication, and improving non-financial risk management.
“Our strong capital position enables us to deliver on our immediate priorities to ensure we get the basics right, including a substantial improvement in productivity and initial investment for the bank’s growth.
“Uplifting our non-financial risk management is a key priority. A significant amount of work is already underway to support the business and cultural transformation which will deliver a better-run bank for our customers. The Root Cause Remediation Plan we submitted to the Australian Prudential Regulation Authority has now been approved.
“Today we also provide an updated approach to our reporting, including providing transparency around our key performance indicators and a more detailed scorecard. We are committed to providing these details on an ongoing basis, as we demonstrate our commitment to our strategy and ambitions.
“The results we have announced today demonstrate our franchise is strong, but action is needed. We are absolutely committed to executing ANZ 2030 and are on the right path. As we deliver our strategy, we will accelerate growth and outperform the market, while delivering more for our customers,” Mr Matos concluded.
The credit impairment charge for this period totaled $441 million; this included $114 million collectively assessed provisions as well as $327 million individually assessed provisions. The overall credit quality remains stable with only modest increases in individual provisions due mainly to lower write-backs and recoveries during this period.
At period end after foreign exchange movements were accounted for collectively assessed provision balances reached $4.38 billion with coverage rates rising five basis points over six months up to 1.18%.
The group’s capital position remains robust with its Common Equity Tier One ratio rising by twenty-five basis points over six months reaching approximately twelve percent (12%). Additionally—a previously announced one-and-a-half percent discount applies for both Dividend Reinvestment Plan participants along with Bonus Option Plan recipients concerning their final dividends; meanwhile surplus capital worth about one billion dollars from its Non-Operating Holding Company will be returned directly back into core banking operations following cessation of an ~$800 million share buy-back program earlier this year.
For further information or interviews with executives such as Nuno Matos please visit anz.com.au/bluenotes.
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