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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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Could property prices inflate by another 20%? What’s happening in recent divid...

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There is $17.5 billion in lost and unclaimed super across ...

Invest

Slashed bank dividends a sign of difficult times

By Cameron Micallef

November 11 2019
Share

Invest

Slashed bank dividends a sign of difficult times

By Cameron Micallef
November 11 2019

Disappointing returns and dividends from the big four banks are set to impact millions of Australian retail investors and self-managed super funds.

Slashed bank dividends a sign of difficult times

By Cameron Micallef

November 11 2019
Share

Disappointing returns and dividends from the big four banks are set to impact millions of Australian retail investors and self-managed super funds.

Investors are now feeling the brunt of the financial services royal commission, lower interest rates and new lending standards that have combined to hurt the banks’ bottom lines.

Westpac and NAB have announced their investors will receive 15 per cent and 16 per cent less in dividends returns, respectively, while ANZ shareholders look set to lose 10 per cent on previous returns.

For EY Oceania’s banking and capital markets leader, Tim Dring, “declining profits and margins have seen the banks cut dividends and preserve capital, as they batten down the hatches and brace for further challenging conditions ahead”.

While running on a different reporting schedule to the other banks, investors of the Commonwealth Bank would also be bracing for their own dividends reduction in February.

Are they ‘safe as a bank’?

While the big four banks remain strong from a financial point of view, they are facing a raft of upcoming headwinds such as open banking, increased competition, economic conditions and the prospect of rebuilding trust.

“For now, asset quality remains strong but benign credit conditions will not continue indefinitely, and, when the credit cycle turns, that will squeeze the banks’ future profits even further,” Mr Dring stated.

According to EY, “there is a seismic shift occurring in consumer preferences, economic trends and regulatory environment”.

“Coupled with increasing pressure from new non-traditional players, like neobanks, payment service providers and technology companies, these changes mean that banks will have to make some tough choices in order to remain relevant and rebuild trust,” Mr Dring elaborated.

EY indicated that “banks should be considering a shift to more transparent strategies that focus on promoting customers’ financial wellbeing and moving away from product-centric selling models towards ones that offer more customer-centric, personalised subscription-based services”.

nestegg has previously reported ANZ, Westpac and NAB’s yearly performance.

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg and Smart Property Investment. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leverage their insights to grow your portfolio.

About the author

Cameron Micallef

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