Business structure - Our company

The Australian division caters for the bank's retail, commercial and wealth management customers in Australia.

The Retail businesses are responsible for delivering a range of banking products and services to retail customers, while Commercial services small to medium enterprises through to smaller corporates. The division also has a dedicated wealth management business designed to meet the needs of high net worth individuals. Specialised businesses Esanda and Agribusiness ensure the division is well placed to help customers enjoy more convenient banking while supporting local business to grow.

The division is led by Graham Hodges.

• Retail Distribution
  Includes management of the extensive national branch network and specialist sales staff servicing retail customers.
  
  Led by Managing Director Louis Hawke.
  
  
• Retail Products
  Responsible for delivering a range of products including credit cards, mortgages, transaction banking, savings and deposits and personal loans.
  
  Led by Managing Director John Harries.
  
  
• Commercial Banking
  Delivers customers solutions for the Commercial market through dedicated managers focussing on Business Banking, Small Business and Commercial/Agri segments. It also includes Esanda Finance, one of Australia's leading asset finance companies.
  
  Led by Group Managing Director David Hisco.
  
  
• Wealth
  Comprises three substantive businesses catering for high net worth individuals:
  • Investment and Insurance
    Responsible for ANZ's wealth management products and services including E*Trade, Financial Planning, Insurance, Margin Lending and ANZ Executors & Trustees.
    
    Led by Managing Director Geoff Cohen.
    
    
  • Private Banking
    Servicing individuals and family groups, Private Bank assists customers to manage, grow and preserve their assets. Offering clients a range of financial solutions, from traditional banking to innovative investments and financial planning.
    
    Led by Managing Director Catherine McDowell.
    
    
  • ING Australia
    Joint venture between ANZ and ING Group provides integrated manufacture and distribution of wealth creation, management and protection products and services aligned to ANZ distribution and the open market.
    
    Led by Harry Stout.
    

Other members of the Australia senior team include:

David Lindberg - Managing Director, Strategy, Marketing & Customer Segmentation
David Curren - General Manager Operations Australia
Sonya Clancy - General Manager Human Resources Australia
Chris Karopoulos - General Manager Technology Australia
Jon Hogan - Chief Financial Officer Australia
Mike Cutter - Chief Risk Officer Australia
Rhonda Day - Customer Advocate

Our New Zealand division, ANZ National, operates across the entire spectrum of financial services and comprises some of New Zealand's best known financial brands encompassing ANZ, The National Bank of New Zealand, UDC Finance, EFTPOS New Zealand, Bonus Bonds and Direct Broking. ANZ National is also a joint venture partner with financial services company ING.

ANZ New Zealand is led by Jenny Fagg.

New Zealand businesses:

• ANZ Retail Distribution
  ANZ Retail Distribution encompasses the Personal, Business Banking, Mortgages, Brokers and Alliances divisions for the ANZ brand in New Zealand.
  
  Led by Wayne Besant.
  
  
• Rural
  ANZ National is New Zealand's leading provider of rural banking services.
  
  Led by Charlie Graham.
  
  
• Commercial
  ANZ National's Commercial Banking specialises in meeting the banking needs of medium-to-large businesses with annual turnovers of between NZ$2 million and NZ$150 million. The Commercial business also includes UDC Finance, New Zealand's only AA rated finance company.
  
  Led by Graham Turley.
  
  
• Institutional
  ANZ National's Institutional business provides customised products and financial service solutions to large corporate, institutional and government clients.
  
  Led by David Green.
  
  
• Private Banking and Wealth
  Private Banking caters for ANZ National's highest net worth individuals and family groups. Clients are provided with a complete range of financial solutions, from traditional banking to innovative investments and financial planning through the ANZ and National Bank of New Zealand brands.
  
  Led by John Body.
  

The Asia Pacific division provides a full range of banking products and services to ANZ's retail, business, corporate and institutional clients in the region.

The division is led by Alex Thursby.

• Retail Asia
  Retail Asia incorporates the cards, private banking, wealth and retail segments in both the partner businesses and ANZ business across both North East and South & South East Asia.
  
  Led by Nina Aguas.
  
  
• Institutional Asia
  Corporate and institutional banking, corporate and structured financing, trade and transaction, personal and private banking services across the Asia region.
  
  Led by Mark Whelan.
  
  
• South & South East Asia
  South & South East Asia includes ANZ's operations in Indonesia, India, Vietnam, Singapore, Cambodia, Laos, Malaysia, Thailand and the Philippines.
  
  Led by Joseph Abrahams (Acting).
  
  
• North East Asia
  North East Asia includes ANZ's businesses in China, Hong Kong, Taiwan, South Korea and Japan.
  
  Led by Alistair Bulloch.
  
  
• Pacific
  ANZ has businesses in 12 countries across the Pacific region offering a full range of retail and commercial banking services.
  
  Led by Craig Sims.
  
  
• Wealth Asia
  Wealth Asia comprises two businesses:
  
  • Investment and Insurance
    Responsible for ANZ's investment and insurances products and solutions across Asia.
    
    
  • Private Banking
    Servicing individuals and family groups, Private Bank in Asia assists customers to manage, grow and preserve their assets. Offering clients a range of financial solutions, from traditional banking to innovative investments and financial planning.
    
    Led by Sean West.
    

Other members of the Asia Pacific senior team include:

Ross Foden - General Manager Operations
Kimberley Reid - General Manager Human Resources
Wayne Stevenson - Chief Financial Officer
Susan Yuen - Chief of Staff
James Flintoft - General Manager Strategy & Customer Segmentation
Nigel Denby - Chief Risk Officer
Brian Clark - General Manager Technology

The Institutional division provides a full range of financial products and services to ANZ's corporate and institutional clients globally.

This division is led by Shayne Elliott.

Institutional businesses:

• Relationship Banking
  Provides the specialist focus and priority on managing our client relationships within the Institutional division.
  
  Led by Gary Newman.
  
  
• Transactional Banking and Specialised Lending
  Provides the products for deposits and daily cash management, including international requirements, clearing and custodian services and simple to more complex lending solutions to our clients across the globe.
  
  Led by Alistair Currie.
  
  
• Markets
  Provides specialist services in foreign exchange, capital markets, commodities, structured derivatives, and interest rate services to organisations globally.
  
  Led by Gilles Planté.
  
  
• Balance Sheet Management
  Actively manages the Institutional balance sheet, enabling origination and distribution to investor clients.
  
  Led by Arlene Tansey.
  
  
• Australia
  Focuses on our commitment to excellence in client relationships and delivery of our products and services to Australian clients.
  
  Led by Nigel Williams.
  
  
• New Zealand
  Focuses on our continued delivery of strong client relationships and products in our New Zealand operations.
  
  Led by David Green.
  
  
• Asia, Europe and America
  Provides the combined focus of our client relationships and products to implement our super regional strategy in our Asian, European and American operations.
  
  Led by Mark Whelan.
  
  

Other members of the senior Institutional team include:

Michael Rowland - Chief Financial Officer & General Manager Marketing & Customer Segmentation
Graeme Hosking - General Manager Operations
Mark Jankelson - General Manager Human Resources
Chris Amirtharajah - General Manager Technology
Rob Goudswaard - Chief Risk Officer
Warwick Smith - State Chairman NSW
Russell Shields - State Chairman QLD
John Atkins - State Chairman WA

ANZ's shared services that support these businesses are:

Operations, Technology and Shared Services

Operations, Technology and Shared Services (OTSS) is ANZ's core support division. OTSS is accountable for the global delivery of ANZ's information technology solutions and infrastructure, for our back-office operations capability in India, and for the provision of shared services including property, sourcing, accounts payable, environmental sustainability and human resources.

OTSS also has functional responsibility for Operations and ANZ's Change and Project Management practices and for oversight of IT and Operational Risk and Information Security.

OTSS is led by David Cartwright.

ANZ is currently undertaking a global executive search for a Chief Information Officer. Group Managing Director - OTSS, David Cartwright, and Deputy CIO and General Manager - Technology Service and Infrastructure Management, Kieran Griffiths are jointly responsible for CIO responsibilities until a new CIO is appointed.

Shane Freeman is the General Manager, ANZ India.

Risk

Risk is responsible for ANZ's global risk management framework. Risk is responsible for the organisation's risk strategies, policies, processes and reporting. The approach at ANZ is to ensure risk management and accountability are central to everything we do. Risk enables ANZ to meet its performance objectives along with delivering a 'no surprises' approach for management and the external market.

Risk is led by Chris Page.

Group Financial Management

Group Financial Management is responsible for the overall financial management of the ANZ Group including control of the structure of ANZ's balance sheet, finance management information systems and performance management. Group Financial Management comprises Financial Reporting and Policy, Business Performance, General Counsel & Company Secretary's Office, Taxation, Treasury and Investor Relations and the Divisional finance teams.

Group Financial Management is led by Peter Marriott.

Strategy and Marketing

Strategy and Marketing is responsible for ANZ's business strategy, including the expansion and re-shaping of ANZ's businesses, mergers, acquisitions and disposals; it is also responsible for ANZ's global branding and marketing strategy as well as for overseeing the Group's strategic productivity agenda.

Strategy and Marketing is led by Margaret Payn.

Human Resources

Human Resources' mission is to deliver the best opportunities, the best leaders and the best company. It is responsible for ANZ's strategic HR function including the major practice areas of remuneration and rewards, employee relations, culture and change, transformation and operations, organisational capability and HR shared services.

Human Resources is led by Susie Babani.