ANZ announced a statutory profit after tax for the full year ended 30 September 2017 of A$6.41 billion - an increase of 12 per cent on the previous corresponding period. On a cash basis, profit was $6.94 billion, up 18 per cent on the prior comparable period. Impairment charges and credit quality: The total provision charge of $1.2 billion equates to a loss rate of 21 basis points, a decline of 13 bps over the year. The credit impairment charge as a percentage of gross loans and acceptances dropped back from 34 basis points in 2015/16 to 21 basis points in the year to September 2017. Gross impaired assets over the same period decreased 25 per cent to $2.38 billion with new impaired assets down 11 per cent.Margin: The group's net interest margin dropped eight bps to 1.99 per cent. Return on equity: ROE increased by 159 bps to 11.9 per cent with cash earnings per share up 17 per cent to 237.1 cents.Dividends: The bank declared a final dividend of 80 cents a share, fully franked, reflecting a payout ratio of 68 per cent of cash profit, moving closer to ANZ's target fully franked full year payout ratio of 60 to 65 per cent. Assets and liabilities: Gross loans and acceptance rose one per cent to $584 billion. Customer deposits rose one per cent to $468 billion.Capital: The bank's common equity tier one capital ratio, or ET1 capital ratio now stands at 10.6 per cent, up from 9.6 per cent, so we already meet APRA's 'unquestionably strong' 2020 capital target.Asset disposals: In FY17 ANZ announced agreements to sell a number of assets including its stake in Shanghai Rural Commercial Bank. In the second half ANZ successfully completed the transfer of three Asian retail and wealth businesses to Singapore's DBS on schedule and within budget.Earlier this month, ANZ announced the sale of its OnePath Pensions and Investments and Aligned Dealer Group businesses to IOOF. Completion is expected in the first half of FY19.Also this month, ANZ announced the sale of the Group's 40 per cent stake in Metrobank Card Corporation to its joint venture partner Metropolitan Bank & Trust Company (Metrobank). The transactions, subject to regulatory approvals, will, in aggregate, release 80 bps of capital. This could in turn see funds returned to shareholder via share buyback, or some other capital management technique.