ANZ posts $2.63b profit for H1 2026 on moderate loan and deposit growth

Its dividend for the period is 83 cents per share.

The Australia and New Zealand Banking Corporation (ANZ) announced a statutory profit of $2.63b (A$3.65b) for the six-month period ending 31 March 2026, a 0.22% year-on-year (YoY) increase compared to the H1 2025 period, its latest financial results showed.

Statutory profit was 62% higher compared to its results in H2 2025. Excluding significant items, profit rose 9% from the H2 period.

Common Equity Tier 1 (CET1) ratio is 12.39% as of 31 March, up 36 basis points from 30 September 2025.

Dividend for the period is 83 Australian cents per share, the same as in H2 2025.

Operating income is $8.08b (A$11.2b) during the period, 3% higher than in H2 2026. Operating expenses fell by 22% to $3.99b (A$5.53b).

Cost-to-income ratio is 49.4% in H1 2026, from 65.5% in H2 2025.

ANZ’s institutional and New Zealand division continued to perform well, said ANZ CEO Nuno Matos. The transformation of its retail and business & private bank is in line with the bank’s strategy, he added.

“While lending volumes and deposits grew moderately, active margin management meant margins remained stable for the half amid intense competition,” Matos said.

“We have also made significant progress to reduce duplication and simplify the bank, while continuing to make progress in improving non-financial risk management,” he added.

The impact of the current crisis on ANZ’s credit, capital, and liquidity position has been minimal to date, Matos said.

“We have not seen any material increase in new customers entering hardship or receiving assistance. However, we recognise that some individuals and businesses are navigating these challenging circumstances. We urge customers who may need assistance to contact us,” he said.

(US$1 = A$1.39)