ANZ has reported a statutory profit of $5.89 billion for the year ended 30 September 2025, down 10 per cent on the previous year, and a cash profit of $5.79 billion.
The bank’s common equity tier 1 ratio has stood at 12.0 per cent, with a cash return on equity of 8.1 per cent and a cash return on tangible equity of 8.8 per cent.
Excluding significant items totalling $1.1 billion – related to the ASIC settlement and restructuring charges – cash profit has been flat on the prior year at $6.9 billion.
The proposed final dividend is 83 cents per share, partially franked at 70 per cent, bringing the total full-year payout to 166 cents.
Chief executive Nuno Matos said the results highlight ANZ’s strong franchise and competitive position across its two main markets, Australia and New Zealand, as well as its presence in Asia.
“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, and a well-diversified business benefitting from our strong presence in Asia, the fastest growing economic region in the world,” he said.
“Second, we have a significant opportunity to improve our performance in Australia retail and business and private bank, while extending our leadership in institutional and New Zealand. Third, ANZ 2030 is the right strategy to capture these opportunities.”
Matos added that the $1.1 billion in significant items reflected actions taken to resolve long-standing regulatory investigations and simplify the bank’s business.
“While our financial performance held steady when excluding these items, our performance as a business reinforces the importance of our ANZ 2030 strategy,” he said.
He acknowledged that while the institutional and New Zealand divisions have performed consistently well, the Australia retail and business and private bank segments have underperformed due to margin pressures from competition and a falling interest rate environment.
ANZ has maintained its focus on capital strength, provisioning, and business mix, with the final dividend reflecting confidence in its strategy.
The bank’s total credit impairment charge for the full year has been $441 million, including $114 million in collectively assessed provisions and $327 million in individually assessed provisions. The collective provision coverage rate has risen five basis points to 1.18 per cent over the half.
Its capital position remains robust, with a common equity tier 1 ratio of 12.03 per cent, an increase of 25 basis points over the half.
ANZ confirmed it will apply a 1.5 per cent discount to the dividend reinvestment and bonus option plans and will return around $1 billion in surplus capital from its non-operating holding company to the bank. The pro forma CET1 ratio stands at 12.26 per cent.
Matos said ANZ continues to make progress on its key priorities, including integrating Suncorp Bank, simplifying operations, embedding its leadership team, and improving risk management practices.
“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,” he added.
“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.”
