Financial Institutions and Market

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Presentation on ANZ banking group’s financial institution & market. ANZ is one of the largest national banks in Australia. It is the driving factor of the Australian financial system in diversification aspired by economy since last few years.

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FINANCIAL INSTITUTIONS AND MARKET:

FINANCIAL INSTITUTIONS AND MARKET

INTRODUCTION :

INTRODUCTION The Australian financial system comprises of activities that involve borrowing and lending funds in addition to transmit of the ownership of financial claims. Some of the services are: Authorised deposit-taking institutions Insurance Superannuation Financial markets Payment systems

Australia and New Zealand Banking Group:

Australia and New Zealand Banking Group Australia and New Zealand Banking Group (ANZ) is a most significant bank in Australia It has worldwide presence and offers a wide range of financial operations both in domestic as well as overseas market. This report would entail in describing how ANZ has driven up the functionalities of the financial system of Australia through its activities and performance.

Sources of funds for ANZ:

Sources of funds for ANZ

Sources of funds:

Sources of funds Ordinary Equity Capital Retained earnings Reserves Trading securities Derivative financial instruments Preference share capital Treasury shares

Uses of funds:

Uses of funds Purchases Interest payments Payment of collaterals Amortised values of loan origination expenses Payment of share-based compensation expenses Payments of leases Tax implications

Slide7:

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Asset Liability management:

Asset Liability management ALM for managing three major kinds of risk Interest rate risk Liquidity risks Foreign currency risk

Present Value of Money:

Present Value of Money It is very clear that 1 AUD of today is not equivalent to 1 AUD tomorrow due tot its potential earning capabilities. Therefore to ascertain the net present value of expected cash inflows ANZ takes risk free rate as discounting rate and considers time value of money

Cash Flows for ANZ:

Cash Flows for ANZ Cash inflows or outflows comprises of Premiums Expenses Redemptions Benefits payments Bonuses

Competitive Analysis:

Competitive Analysis

Comparison :

Comparison ANZ has sound financial position with increased profitability in year 2014 as compared to year 2013 with consistent results in term of solid ROE and ROCE. The efficiency ratio of the bank remained below 50% as compared to the industry. ANZ’s operating expenses are comparable to the other 3 national banks of Australia. There has been a revenue growth and PAT by 8% as compared to the other players in the industry.

Participation of ANZ in the financial markets :

Participation of ANZ in the financial markets

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Financial Market Presence:

Financial Market Presence ANZ is listed on the ASX and is involved in share( both equity and preference shares) and bond trading facilities. ANZ banking group is active member at following stock exchanges : Stock Exchange Trading Australian Securities Exchange (ASX) ANZ convertible preference shares, ANZ capital notes, senior debts, subordinate bonds Channel Islands Stock Exchange Subordinated debts of ANZ Luxembourg Stock Exchange Senior and subordinate debts of ANZ Limited and debts and non-cumulative trust securities

ANZ in Derivatives Market :

ANZ in Derivatives Market Derivatives are the hedging instruments for ANZ banking group. Types of derivatives transacted by ANZ banking group Swaps Forwards Futures Options Contracts and agreements

Types of Derivative Contracts:

Types of Derivative Contracts

Applicable Regulations:

Applicable Regulations Framework governing the banking group are: Government policies Carbon pricing policies Climatic change policies Mitigation policies Hedging policies Taxation laws FATCA and IGA

CONCLUSION :

CONCLUSION ANZ banking groups are one of the largest national banks in Australia It is the driving factor of the Australian financial system in diversification aspired by economy since last few years.

References :

References Nijskens, R. and Wagner, W., 2011. Credit risk transfer activities and systemic risk: How banks became less risky individually but posed greater risks to the financial system at the same time.  Journal of Banking & Finance.   35 (6). pp.1391-1398. Viewed on 28 th dec 2016 Haldane, A.G., 2013. Rethinking the financial network. In  Fragile stabilit 舩穆 tabile fragilit 舩   (pp. 243-278). Springer Fachmedien Wiesbaden. Viewed on 28 th dec 2016 Huang, X., Zhou, H. and Zhu, H., 2012. Assessing the systemic risk of a heterogeneous portfolio of banks during the recent financial crisis.  Journal of Financial Stability. 8 (3). pp.193-205. Viewed on 28 th dec 2016 Davis, K., 2011. The Australian financial system in the 2000s: dodging the bullet.  The Australian Economy in the 2000s. pp.313-314. Viewed on 28 th dec 2016. Schwartz, C., 2010. The Australian government guarantee scheme.  Reserve Bank of Australia Bulletin. pp.19-26. Viewed on 28 th dec 2016.

Thank You !!!:

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