Shareholder


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 ($m) 58,716 55,324 54,280 51,918 49,956
Bank net interest margin (%) 1.84 1.83 1.86 1.85 1.72
Bank cost to income ratio (%) 54.7 52.7 52.5 53.4 57.4
Effective income tax rate (%) 32.0 32.5 30.7 31.4 37.3
Financial Strength FY18 FY17 FY16 FY15 FY14
Total assets ($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.