ANZ Financial Performance Overview

SECTION 3 ANZ has positioned itself to meet market challenges ANZ has developed a strong, balanced platform for sound organic growth which positions us well to meet market challenges. Our model of a portfolio of specialist businesses is distinctively different from our competitors. Its insight is that speed, focus and flexibility will out- compete scale and size advantage. Our first mover advantage in ongoing cultural transformation is fundamental to our strategy given that: a well led and inspired team makes ANZ an employer of choice. the largest service improvements will arise from front line expertise and attitude. in order to derive maximum benefit from our portfolio model a culture that promotes accountability, autonomy and a breakout mentality is essential The stability and competence of ANZ's management is critical in continuing to deliver value to stakeholders. ANZ prides itself as being one of the top five most efficient banks in the world. By reducing our exposure to higher risk asset classes and non core markets we are positioning ANZ for solid growth in asset classes and markets that we know and understand; a cornerstone of our future strategy. First mover advantage on cultural transformation Stable and well regarded management team Unique portfolio of specialist businesses World leading efficiency Reducing exposure to higher risk asset classes and non core markets 16 ANZ

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