ANZ New Zealand

Business Key Moments

Business Financial Tools print version      
print version

ANZ Business Financial Tools are simple and easy to use and are designed to assist you to benchmark the performance of your business against your industry and your peers.

ANZ Business Financial Tools

Breakeven Analysis

What volume of goods or services do you need to sell to cover your costs? Use the Breakeven Analysis tool to find the breakeven point for your business.

Financial Ratio Calculators - Looking to identify key areas within your business that you want to improve? The ANZ Financial Ratio Calculators are based on accounting standards and can be used to analyse the key performance indicators for your business.

Three sets of useful ratios to analyse your business in terms of debt, profitability and liquidity.

Debt Ratios
Debt Ratio
Debt to Income Ratio
Interest Cover
Profitability Ratios
Net Profit Margin
Gross Profit Margin
Return on Assets
Operating Expenses to Sales
Sales per employee
Liquidity Ratios
Working Capital
Quick Assets Ratio
Stock Turnover
Debtor Ageing Ratio
Creditor Ageing Ratio

Ratios should be considered over a period of time (ideally at least three years), in order to identify trends in the performance of the business. The information about the calculators and the results of the calculations are necessarily general and are only intended as a guide.

It is important to note the following:

The ANZ Business Financial Tools are only some of many ways to analyse a business to assist your planning and business decision-making. You should seek the assistance from your business adviser or accountant when either planning for or analysing your business' performance. To the extent permitted by law, ANZ makes no warranty and has no liability, in respect to your use of and reliance on these tools.


A current Disclosure Statement (PDF, 480kb) published by ANZ National Bank Limited may be requested from any branch or agency of ANZ.

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