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ANZ Group Holdings (ANZ) investor relations material

ANZ Group Holdings Investor Update summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Investor Update summary12 Oct, 2025

Strategic context and market overview

  • Banking in Australia and New Zealand is highly competitive, with banks central to credit provision and industry returns on equity remaining strong compared to global peers.

  • The market is increasingly commoditised, with a high reliance on net interest income and a growing role for mortgage brokers, who now write 74% of new mortgages.

  • Australia offers growth opportunities due to a large, growing population, stable economy, and strong governance, with bank asset quality and credit ratings outperforming global peers.

Strategic pillars and priorities to 2030

  • The strategy is built on four pillars: Customer First, Simplicity, Resilience, and Delivering Value, enabled by people, culture, and technology.

  • Emphasis on differentiated propositions, digital and human interaction standards, and productivity improvements.

  • Two-phase approach: FY26–27 focuses on productivity and foundational improvements; post-FY27 aims to accelerate growth and outperform the market.

  • Immediate priorities include embedding new leadership and culture, integrating Suncorp Bank, accelerating ANZ Plus digital rollout, reducing duplication, and enhancing non-financial risk management.

  • Culture, people, and technology identified as key enablers for strategy execution.

Execution and operational initiatives

  • Leadership team refreshed with a blend of local and global talent, emphasizing a performance-driven, customer-focused culture.

  • Suncorp Bank integration targets full migration by June 2027, with $500m annual pre-tax cost synergies expected by FY29.

  • ANZ Plus digital front-end to upgrade 8 million retail customers by September 2027, consolidating technology platforms for efficiency.

  • Productivity program targets $800m gross cost savings in FY26, including role reductions and exiting non-core businesses.

  • Plan to reduce 3,500 roles and 1,000 contractors by September 2026 to improve productivity.

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Frequently asked questions

ANZ Group Holdings Limited (formerly Australia and New Zealand Banking Group Limited) operates through four divisions: Consumer, Business and Private, and New Zealand. The Consumer segment offers bank accounts, home and personal loans, credit cards and debit cards, investment properties and leasing, partnerships with motor vehicle dealerships (through St George), and fee-free transaction banking accounts for students; insurance products that include income protection insurance; superannuation products; investment plans; savings accounts for children; and car loan retention services. The company was founded in 1835 and is headquartered in Melbourne, Australia.

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