ANZ

The group operates a universal banking model. It collects deposits and wholesale funding, then deploys this capital into loans and credit products for households, businesses and institutions, capturing net interest margin as its primary profit driver. It complements this with non-interest income from transaction banking, account servicing, payments, foreign exchange, trade finance, and card issuing and acquiring.

Digital channels (internet and mobile banking) and platforms for corporates and institutions provide self-service access to accounts, payments and treasury services, lowering operating costs and supporting product cross-sell. For institutional and large corporate clients, a consolidated digital platform combines cash management, trade finance, commercial cards and reporting, embedding the bank in customer workflows and increasing share of wallet.

ANZ (Australia and New Zealand Banking Group), under ANZ Group Holdings Limited, is a major Australian banking group and one of the country’s “Big Four” banks. It provides retail, business, and institutional banking services, with a strong emphasis on digital channels including internet and mobile banking for individuals, SMEs, and large corporates.

The group generates income primarily from lending, deposit-taking, transaction and account services, cards, and corporate and institutional banking. It serves individual consumers, small and medium businesses, and large corporate and institutional clients, supported by web and mobile platforms as well as branch and regional banking networks.