| Performance | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Cash return on average shareholders’ equity | (%) | 8.0 | 8.4 | 8.2 | 8.9 | 9.4 |
| Return on average shareholders' equity | (%) | 7.7 | 7.9 | 7.8 | 8.5 | 5.3 |
| Return on average total assets | (%) | 1.08 | 1.11 | 1.08 | 1.19 | 0.77 |
| Basic cash earnings per share | (cents) | 85.20 | 89.30 | 85.18 | 93.14 | 102.01 |
| Basic earnings per share | (cents) | 82.17 | 83.84 | 81.19 | 88.61 | 57.11 |
| Net profit after tax attributable to shareholders | ($m) | 1,059 | 1,075 | 1,038 | 1,133 | 730 |
| General insurance gross written premium | ($m) | 9,559 | 9,456 | 9,031 | 8,872 | 8,870 |
| Reported insurance trading result | (%) | 12.1 | 11.8 | 9.9 | 11.4 | 15.5 |
| Underlying insurance trading result | (%) | 10.6 | 11.5 | 10.6 | 14.7 | 14.3 |
| Bank total lending | ($m) | 58,716 | 55,324 | 54,280 | 51,918 | 49,956 |
| Bank net interest margin | (%) | 1.84 | 1.83 | 1.86 | 1.85 | 1.72 |
| Bank cost to income ratio | (%) | 54.7 | 52.7 | 52.5 | 53.4 | 57.4 |
| Effective income tax rate | (%) | 32.0 | 32.5 | 30.7 | 31.4 | 37.3 |
Shareholder
| Financial Strength | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Total assets | ($m) | 99,333 | 97,109 | 95,748 | 95,651 | 94,429 |
| Net assets | ($m) | 13,973 | 13,790 | 13,570 | 13,518 | 13,799 |
| Net tangible assets backing per share | ($) | 6.39 | 6.20 | 6.02 | 6.05 | 6.32 |
| Group excess to Common Equity Tier 1 target | ($m) | 448 | 377 | 346 | 570 | 831 |
| General Insurance group total capital ratio | (times PCA1) | 1.84 | 1.77 | 1.67 | 1.86 | 2.16 |
| Bank Common Equity Tier 1 ratio | (% RWA2) | 9.07 | 9.23 | 9.21 | 9.15 | 8.54 |
| Shareholder Summary | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Ordinary share price at end of year | ($) | 14.59 | 14.82 | 12.18 | 13.43 | 13.54 |
| Number of ordinary shares at end of period | (million) | 1,292 | 1,285 | 1,279 | 1,279 | 1,279 |
| Ordinary dividend per ordinary share, fully franked | (cents) | 73 | 73 | 68 | 76 | 75 |
| Special dividend per ordinary share, fully franked | (cents) | 8 | - | - | 12 | 30 |
| Dividend payout ratio (excluding special dividend) | (%) | 85.8 | 81.9 | 79.8 | 81.6 | 73.6 |
| Dividend payout ratio (including special dividend) | (%) | 95.2 | 81.9 | 79.8 | 94.5 | 103.0 |
| Market capitalisation | ($m) | 18,945 | 19,158 | 15,671 | 17,279 | 17,421 |
Customer
| Customer Satisfaction and advocacy | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Number of customers | (million) | 9.6 | Commenced disclousure in the current reporting period | |||
| Customer Satisfaction | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Consumer Australia3,5 | (%) | 77 | 77 | 79 | - | - |
| Business Australia3,5 | (%) | 83 | 80 | 77 | - | - |
| New Zealand4 | (%) | 76 | 74 | 75 | 75 | 74 |
| Net Promoter Score | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Consumer Australia5 | +7.3 | +5.9 | +6.2 | - | - | |
| Business Australia5 | +2.7 | -0.6 | -1.3 | - | - | |
| New Zealand4 | -1 | -2 | - | - | - |
1. Prescribed Capital Amount.
2. Risk-weighted assets.
3. Restated to reflect transition to improved methodology or updated data.
4. Asteron Life brand.
5. Source: DBM Consumer Atlas, 12-month rolling as at June 2018.