ANZ reported a net profit of A$6.3 billion for the 12 months to September - an increase of 11 per cent on the previous corresponding period.On the bank's preferred measure, cash profits, earnings rose 11 per cent, to $6.5 billion.Income: Net interest income rose five per cent, to $12.1 billion, and other operating income rose two per cent, to $5.6 billion.Expenses: The bank cut its operating expenses by three per cent. Its cost-to-income ratio fell from 48.1 per cent to 44.6 per cent (44.8 per cent on a cash basis). The cost-to-income ratio for the Australian division was 37.5 per cent.Provisions: The provision for credit impairment fell one per cent, to $1.2 billion. Total provisions as a percentage of average net advances fell from 29 basis points to 27 bps. The value of gross impaired assets fell 18 per cent, to $4.3 billion.Return on equity: The bank's return on equity rose from 14.6 per cent, in 2011/12, to 14.9 per cent in the year to September (15.3 per cent on a cash basis), and its return on assets rose from 0.9 per cent, to 0.93 per cent (0.96 per cent on a cash basis).Earnings per share: Cash earnings per share were up by nine per cent.Dividends: The bank paid a final dividend of 91 cents a share, taking the total dividend payment for the year to $1.64 a share. The total dividend was up 13 per cent on the previous year and represented 67.3 per cent of earnings.The divisions: Among the bank's divisions, Australia was up 11 per cent, to a cash profit of $2.9 billion; international and institutional banking was up 15 per cent, to $2.4 billion; New Zealand was up 37 per cent, to $881 million; and global wealth was up 36 per cent, to $469 million.Margin: The group's net interest margin fell eight basis points, from 2.71 per cent in 2011/12 to 2.63 per cent in the year to September. The fall was due mainly to the impact of lower interest rates. The net interest margin for the Australian division rose five basis points, to 2.53 per cent. In the other divisions, NIM was down 14 bps in New Zealand, and down 41 bps in international and institutional banking.Assets and liabilities: Customer deposits increased by 12.5 per cent, to $369 billion. Customer lending grew by 9.6 per cent, to $469 billion. The bank's loan-to-deposit ratio is 127 per cent, which is the lowest among its peers. It has $16 billion of term funding maturing in 2013/14, compared with $24 billion in 2012/13.Capital: The common equity tier-one ratio rose from eight per cent to 8.5 per cent.