ANZ Financial Performance Overview

SECTION 2 Managing key integration risks Consideration Minimise Impact on Customers Mitigant Maintain both brands and both branch networks • New Zealand centric retail business model leveraging NBNZ "client-facing" systems for retail, rural and SME • Manageable concentration issues in corporate and institutional • People Retain the best people from both organisations Maintain headcount in "client-facing" roles Technology • Two year integration period for core systems conversion to a common core technology platform Leverage expertise in IT integration 9 ANZ

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