Michael Smith - Chief Executive Officer

Despite a certain degree of global uncertainty, we expect conditions in Australia, New Zealand and Asia Pacific to remain supportive. Asset quality also remains sound.

Over the last decade, the foundation which has been established extends beyond financial performance. We have leading levels of customer satisfaction in retail banking in Australia and in New Zealand. Our Institutional business is the leading Relationship Bank in Australia. We have a top quality management team and a strong culture among our people.

And our corporate responsibility agenda was recognised by achieving the leading ranking among banks globally in the Dow Jones Sustainability Index.

However, we cannot afford to sit still and be complacent about that foundation. My immediate priority is to re-energise the business by bringing more edge and urgency to ANZ's performance.