ANZ Group Holdings Limited
- Market Cap 109.8 billion AUD. 6th largest. Right after Westpac and NAB. All four big banks in australia are part of the largest six market cap stocks. Other two are mining companies, BHP Group and Rio Tinto. ANZ is the smallest market cap of all four. Westpac and NAB are comparable at around AUD 134 billion
- Results for 2025 on Nov 10.
- 42.6k employees (CBA 55k, NAB 41k, Westpac 35k)
- CEO Nuno Matos
- 11m+ customers (6.4m retail, 0.6m commercial). -
- CBA 18m, Westpac 13m, NAB 10m
- $748b deposits
- (CBA 937 billio, Westpac 770, NAB 736)
- $833b Gross loans and advances
- (CBA 1tr, Westpac 851bn, NAB 776bn)
- Cost to income
- (CBA 45%, NAB - 50.8%? Westpac 53%) - to check that though westpac has lower employee number, why high CtoI? Operating expenses mix?
- NIM 1.55%
- (Westpac 1.94% NIM NAB 1.74% CBA 2.08%)
- YE Sept 25 Operating Income 22.186 bn (including 4.225 other op income)
- Westpac 22b, NAB 20.8bn, CBA 28bn NOI
- PBIT 8.722b
- (Westpac $10b NAB 9.6b, CBA 14.7bn
- PAT 5.891 bn
- (Westpac 6.9 billion,NAB 6.75b, CBA 10.2b)
- ANZ Segments OI - Aus Retail 5.87 b, Aus Commercial 3.48b, Institutional 6.81 (ncludes other income of ~2b beyond fee), NZ 3.6b, Suncorp 1.7b, Pacific, Group Centre total 0.4b
- Segments comparison
- Consumer Westpac - 8.4bn NOI, NAB Personal Banking 4.625 billion, CBA? (Westpac is bigger than NAB in this). CBA Retail Banking 13 billion
- Business and Wealth WEstpac 6.1 bn, NAB BPB 8.5 bn (NAB is bigger in this). CBA Business Banking 9 billion
- Institutional Westpac 3.8bn, NAB Corp & Instnl 4.094 - comparable. CBA Institutional Bamking and Markets 2.8billion
- NZ Westpac 2.8 bn, NZ NAB 3.1 bn, CBA NZ 3.0bn
- Westpac is stronger in consumer, NAB in Business and Wealth.
- CBA is strongest in retail banking, and comparable to NAB in Business Banking. For Institutional NAB Seems to be the biggest in 3. ANZ bigger than all.
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