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We are transforming AMP, building on its heritage of supporting Australians for more than 170 years, to meet the needs of customers today and in the future.

We have built good momentum in our strategy to become a simpler, purpose‑led business.



The AMP board is committed to meeting the highest standards of governance and stewardship as the company works through its transformation.

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We are making progress to rebuild pride in AMP for its shareholders, employees, customers and the community.

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AMP’s 2021 annual report summarises our activities and performance for the financial year ended 31 December 2021. It provides a snapshot of our strategy and our operations across all areas of our business.

This report forms part of our annual reporting suite, which brings together our financial, non-financial and sustainability reports for the year. These reports and our corporate governance statement are available to download on our website.

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Net profit after tax (NPAT)


Total assets under management (AUM) and administration


Surplus capital above target requirements


as at 31 December 2021

Growth in bank deposits

up arrow10%

Gross cost reductions
(excluding AMP Capital)


Increase in platform cashflows from external financial advisers

up arrow18%


Simplified portfolio

including operational separation of AMP Capital’s private markets business (Collimate Capital)

Strategies in place

for AMP and Collimate Capital to reposition both for growth opportunities and efficiencies

Purpose and values

work underway to become purpose-led, delivering for our customers, shareholders and employees



for Australian customers in retirement


Positive Net Promoter Score
for Australian customers (stable vs FY 20)


WITHDRAWALS on hardship and compassionate grounds valued at $36 million


NEW HOME LOANS AMP Bank provided



EMPLOYEE SATISFACTION (eSat score) up arrow67




GENDER DIVERSITY TARGETS MET across board, middle management and overall workforce


of aligned FINANCIAL ADVISERS completed FASEA exam requirements



rating from Carbon Disclosure Project (CDP), second highest rating available

up arrow36%

reduction in operational SCOPE 1 AND 2 EMISSIONS (from 2019 base year)


ESG FOCUSED INVESTMENT OPTIONS added to our flagship investment platform, MyNorth




AMP has a long history of helping our customers manage their investments and achieve their financial goals. Offering services in financial advice and superannuation, retirement income, banking and investment products, we are dedicated to supporting ‘the investor in all of us’.

AMP is committed to achieving the best outcomes for our customers and employees, which in turn will drive long-term value for our shareholders.

Our strategy to reposition and simplify, while exploring new growth opportunities, will ensure AMP Limited is well-positioned for the future as a simpler, customer-focused and purpose-led business.


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AMP Limited

AMP Limited is a retail wealth management and banking business operating in Australia and New Zealand, supporting approximately 1.5 million customers and employing more than 4,100 people.

It comprises three business units:

AMP Bank

AMP Bank provides customers with home loans, deposit and transaction accounts in Australia. It provides limited advice practice lending and does not provide business or corporate banking services to industries.

In 2021, AMP Bank helped more than 160,000 customers with their banking needs and provided over 10,700 new home loans.

Australian Wealth Management

Australian Wealth Management (AWM) comprises three different business lines.

Platforms offers superannuation, retirement and investment products including the flagship North platform which continues to deliver on its commitment of strengthening and broadening investment choice for customers.

Master Trust includes the largest single retail superannuation product set in Australia with around 850,000 customers.

Advice provides professional services to a network of aligned and external financial advisers (EFAs), supporting them to provide financial advice and wealth solutions to their clients.

New Zealand Wealth Management

In New Zealand, AMP supports customers with super, retirement, financial advice and general insurance, directly and through one of the largest networks of financial advisers in the country.

AMP Capital/Collimate Capital

AMP Capital/Collimate Capital

AMP Capital/Collimate Capital is a global investment manager which services institutional and direct clients across public and private markets capabilities. It has approximately 300 direct institutional clients and 1,370 employees based in continents including Australia, Europe, Asia and North America.

The AMP Capital business is currently undergoing change, exiting its public markets capabilities to focus on its private markets businesses of Infrastructure Equity and Real Estate. These businesses are being separated from AMP Group and will be listed on the ASX as Collimate Capital.

To support the separation of Collimate Capital, AMP announced the sale of the GEFI business and transfer of its multi-asset investment capability to Australian Wealth Management. Both are expected to complete in the first half of 2022.

The Collimate Capital Real Estate business is one of Australia’s leading real estate investment managers with $23 billion in invested AUM across retail, office and logistics premises. Infrastructure Equity is focused on investments in assets in a range of sectors including transport, energy and telecommunications around the world.


AMP provided an update on its strategic growth plans for 2022–2024 on 30 November 2021. The strategy sets a clear path to a new AMP by repositioning core capabilities in wealth management and banking, simplifying the organisation and exploring opportunities for growth.

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At AMP we are committed to creating a sustainable and equitable future for our customers, people and partners, communities, and environment, and to openly reporting on our progress and impact.

We recognise that environmental, social and governance issues can have a material impact on business performance and society. AMP’s non-financial disclosures have evolved significantly, and our 2021 Sustainability report reflects the positive steps taken by AMP towards transparency and addressing our material issues.


Committed to a sustainable and equitable future, creating value for our stakeholders.

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Reconciliation Action Plan (RAP)

Reconciliation Action Plan (RAP)

Since launching the AMP Innovate RAP in 2020, we are now more than halfway through our second RAP and have delivered on more than 60% of our commitments.

The Innovate RAP framework guides us to implement reconciliation initiatives over two years and outlines the actions for achieving the organisation’s vision for reconciliation.

AMP’s Innovate RAP vision is to empower and work collaboratively with Australia’s First Peoples to promote financial wellbeing and implement reconciliation initiatives. Our aim is to develop cultural understanding, create opportunities for Aboriginal and Torres Strait Islander communities and proudly celebrate Australia’s heritage.

As an organisation we are embedding the principles and purpose of reconciliation through educating, motivating, and inspiring our people within our sphere of influence.

AMP 2021 University Challenge

AMP 2021 University Challenge

AMP University Challenge is a national financial planning competition for tertiary students that aims to identify promising new talent and promote high standards of education and professionalism among the next generation of advisers. More than 5,600 students from 30 universities across Australia have participated in the Challenge since it commenced in 2011, with many going on to join the financial advice profession.

The AMP University Challenge is integrated into the curriculum and assessment for students studying financial planning majors at Central Queensland University, Deakin University, Griffith University, TAFE NSW, University of Wollongong, Charles Sturt University and Western Sydney University.

In 2021, for the first time in the competition’s 11‑year history, there was a tie for first place in AMP’s annual University Challenge. Jamie Lee Fraser from Griffith University has shared top honours with Molly McGinn and Aaron Mynard from Deakin University. Jamie, Molly and Aaron shared in the combined first and second place prize money of $5,000.

Investing in community infrastructure

Investing in community infrastructure

In 2021, the community infrastructure capability acquired a 42% stake in Royal Adelaide Hospital – the largest single infrastructure project in South Australia and one of the most energy efficient and technologically advanced medical facilities in the world.

The landmark $2.2 billion debt refinance of 100% of the project’s debt involved a consortium of 18 banks and is the largest green loan for a PPP in Australia to date, the first to be issued with a social loan component in Australia and the largest combined green and social loan in the healthcare sector globally.

AMP Capital co-leads engagement with BHP through Climate Action 100+

AMP Capital co-leads engagement with BHP through Climate Action 100+

AMP Capital has co-lead on CA100+’s BHP engagement, which is an investor-led initiative formed to ensure the world’s largest corporate emitters of greenhouse gases take the necessary action on climate change. AMP Capital has seen significant progress and received positive feedback on the constructive nature of our engagement. The engagement activities of CA100+ have led to key outcomes, including:

  • BHP being recognised as one of the strongest performing companies in the net-zero benchmark for 2021. The result highlights the actions taken from engagements including pursuing emissions reduction targets, capital expenditure alignment, use of carbon offsets and political engagement through industry associations. There is more work to do, and CA100+ participants will continue to engage with BHP on climate‑related issues, particularly on managing Scope 3 emissions.
  • BHP was one of the first Australian companies to give their shareholders a ‘Say on Climate’. After BHP released their ‘Climate Transition Action Plan 2021’, CA100+ encouraged BHP to put the plan to shareholders for approval at the 2021 AGM. The resolution was supported by around 85% of shareholders at BHP’s Australian AGM and 83% at the London AGM.

In addition, BHP recommended shareholders vote in support of the shareholder‑proposed resolution on climate‑related lobbying, a move which resulted in nearly 99% of shareholders supporting the request for BHP to strengthen their review of industry associations to ensure alignment with the Paris Agreement.

Green Star Designs for our future

Green Star Designs for our future

AMP’s new headquarters at Circular Quay, Quay Quarter Tower (QQT) will open in early 2022. Awarded a 6 Star Green Star – Office Design v3 rating from the Green Building Council of Australia, the building will be known for its innovative environmental features and vertical village design.

QQT will set new benchmarks for employee lifestyle and operational efficiency through its focus on flexible spaces and revolutionary environmental features.

AMP Capital Global Head of Real Estate Kylie O’Connor said: “We are proud to manage this landmark development and create a new workplace of the future that has a strong health and wellbeing focus. We see this as an important step in the revitalisation of Circular Quay and look forward to delivering long-term, sustainable outcomes for investors, customers and community”.

AMP Capital Carbon footprint of managed equity and fixed income funds

AMP Capital Carbon footprint of managed equity and fixed income funds

Understanding the carbon footprint of a company is an essential first step in assessing the investment risks that can arise from climate change. We have been assessing the climate risks of our investments for over a decade and in 2016 created a methodology for calculating the greenhouse gas exposure of our equity investments. This was then expanded to include fixed income.

In 2021, AMP Capital continued to publish its latest carbon footprints of all managed equity and fixed income funds relative to their benchmarks to enhance our clients’ understanding of climate-related investment risks.


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