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Our Strategy

ANZ's purpose

Our purpose is to shape a world where people and communities thrive. That is why we strive to create a balanced, sustainable economy in which everyone can take part and build a better life.

From our earliest days in the 1830s, financing commerce and facilitating trade, our focus has always been on unlocking opportunity for individuals, families, businesses and communities. With fast-changing technologies, demographic shifts, climate change and globalisation bringing both opportunities and challenges, we now have an important role to play in enabling economic participation and encouraging sustainable growth.

At its heart, our business is transformation

We use our insights, products and services, and our banking network in Asia, to help individuals and businesses to grow. We convert savings into investment, build small businesses into large, take domestic enterprises international, and evolve old industries into new. We transform ideas, hard work and ambition into reality.

We believe banking is more than just finance

Our business is about building relationships that create value. By connecting people and businesses, and playing a leading role in workplace participation and diversity, we create a strong, cohesive and vibrant community.

We combine the energy and commitment of our people with the power of technology and data to deliver innovative and convenient services that make the greatest difference for customers, and for the communities and countries in which we operate.

We care about who we bank and how we bank them

We recognise that to earn trust we need to continuously raise standards in everything we do. We must go beyond complying with laws and regulations to considering the evolving needs and expectations of our stakeholders in every decision we make, including the social and environmental impacts. We do this through the fair and balanced deliberation and actions that our customers, employees and society expect from us.

Our strategy

Our strategy is to use our strong Australian and New Zealand foundations, distinctive geographic footprint, and market-leading service and insights to better meet the needs of customers and capture opportunities linked to regional trade and capital flows.

Our strategy has three elements

  1. creating the best bank in Australia and New Zealand for home owners and small business customers,
  2. building the best bank in the world for clients driven by regional trade and capital flows, and
  3. establishing common, digital-ready infrastructure to provide great customer experience, scale and control.

The strategy is underpinned by strong expense, capital and risk management disciplines and the quality of our people.

ANZ's strategic priorities

Create a simpler, better balanced bank

  • Reduce operating costs and risks by removing product and management complexity, exiting low-return and non-core businesses and reducing our reliance on low-returning aspects of Institutional Banking in particular.

Focus our efforts on attractive areas where we can carve out a winning position

  • Make buying and owning a home or starting, running and growing a small business in Australia and New Zealand easy, and to be the best bank in the world for customers driven by the movement of goods and capital in our region.

Build a superior everyday experience for our people and customers to compete in the digital age

  • Build more convenient, engaging banking solutions that simplify the lives of customers and our people.

Drive a purpose and values led transformation of the Bank

  • Create a stronger sense of core purpose, ethics and fairness, investing in leaders who can help sense and navigate a rapidly changing environment.

Corporate Sustainability

Sustainability at ANZ is about ensuring our business is managed to take account of social, environmental and economic risks and opportunities. Further information is available on ANZ's dedicated Corporate Sustainability website available at

Our businesses

Our markets of operation

1.  Australia

2.  American Samoa

3.  China

4.  Cook Islands

5.  Fiji

6.  France

7.  German

8.  Guam

9. Hong Kong

10. India

11. Indonesia

12. Japan

13. Kiribati

14. Korea

15. Laos

16. Malaysia

17. Myanmar

18. New Caledonia

19. New Zealand

20. Papua New Guinea

21. Philippines

22. Samoa

23. Solomon Islands

24. Singapore

25. Taiwan

26. Thailand

27. Timor Leste

28. Tonga

29. United Arab Emirates

30. United Kingdom

31. United States of America

32. Vanuatu

33. Vietnam

Our history

Read about our history and the way we honour it in our Banking Museum and the ANZ Archives.