Five year performance summary
| Performance | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Cash return on average shareholders’ equity | (%) | 8.4 | 8 | 8.4 | 8.2 | 8.9 |
| Return on average shareholders’ equity | (%) | 1.3 | 7.7 | 7.9 | 7.8 | 8.5 |
| Return on average total assets | (%) | 0.18 | 1.08 | 1.11 | 1.08 | 1.19 |
| Basic cash earnings per share | (cents) | 86.24 | 85.20 | 89.30 | 85.18 | 93.14 |
| Basic earnings per share | (cents) | 13.54 | 82.17 | 83.84 | 81.19 | 88.61 |
| Net profit after tax attributable to shareholders | ($m) | 1751 | 1,059 | 1,075 | 1,038 | 1,133 |
| General insurance gross written premium | ($m) | 9,811 | 9,559 | 9,456 | 9,031 | 8,872 |
| Reported insurance trading result | (%) | 11.6 | 12.1 | 11.8 | 9.9 | 11.4 |
| Underlying insurance trading result | (%) | 12.3 | 10.6 | 11.5 | 10.6 | 14.7 |
| Bank total lending | ($m) | 59,293 | 58,716 | 55,324 | 54,280 | 51,918 |
| Bank net interest margin | (%) | 1.79 | 1.84 | 1.83 | 1.86 | 1.85 |
| Bank cost to income ratio | (%) | 56.2 | 54.7 | 52.7 | 52.5 | 53.4 |
| Effective income tax rate | (%) | 29.42 | 32 | 32.5 | 30.7 | 31.4 |
| Financial Strength | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Total assets | ($m) | 96,235 | 99,333 | 97,109 | 95,748 | 95,651 |
| Net assets | ($m) | 13,133 | 13,973 | 13,790 | 13,570 | 13,518 |
| Net tangible assets backing per share | ($) | 5.93 | 6.39 | 6.20 | 6.02 | 6.05 |
| Group excess to common equity tier 1 capital target | ($m) | 990 | 448 | 377 | 346 | 570 |
| General insurance group total capital ratio | (times PCA3) | 1.85 | 1.84 | 1.77 | 1.67 | 1.86 |
| Bank common equity tier 1 capital ratio | (% RWA4) | 9.28 | 9.07 | 9.23 | 9.21 | 9.15 |
| Shareholder Summary | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Ordinary share price at end of year | ($) | 13.47 | 14.59 | 14.82 | 12.18 | 13.43 |
| Number of ordinary shares at end of period | (million) | 1,293 | 1,292 | 1,285 | 1,279 | 1,279 |
| Ordinary dividend per ordinary share, fully franked | (cents) | 70 | 73 | 73 | 68 | 76 |
| Special dividend per ordinary share, fully franked | (cents) | 8 | 8 | - | - | 12 |
| Dividend payout ratio (excluding special dividend) | (%) | 81.2 | 85.8 | 81.9 | 79.8 | 81.6 |
| Dividend payout ratio (including special dividend) | (%) | 90.5 | 95.2 | 81.9 | 79.8 | 94.5 |
| Market capitalisation | ($m) | 17,491 | 18,945 | 19,158 | 15,671 | 17,279 |
1. Impacted by the sale of the Australian Life Business, which resulted in a $910 million loss
2. From continuing operations (2018: 31.2%)
3. Prescribed Capital Amount
4. Risk-weighted assets