Revenue distribution by sectors:

• Retail Banking: 45%
• Institutional Banking: 30%
• Wealth Management: 15%
• Other services: 10%

TOP 3 markets and their percentage shares:

• Australia: 55%
• New Zealand: 25%
• Asia-Pacific region: 15%

ANZ Group Holdings Limited generates the majority of its revenue from Retail Banking, followed by Institutional Banking and Wealth Management. The Australian market is the largest and most important market for ANZ, followed by New Zealand. The Asia-Pacific region also contributes significantly to the revenues, highlighting the international presence of the ANZ Group.

Production: ANZ Group Holdings Limited does not produce physical products.

ANZ Group Holdings Limited is one of the largest banks in Australia and New Zealand, offering financial services including banking, asset management, and insurance products. As a financial institution, ANZ does not produce physical products but offers services provided in its offices and through digital platforms.

Strategy for Future Growth:

1. Digitalization and Technology Investments
2. Expansion into Asian Markets
3. Sustainability Initiatives

ANZ Group Holdings Limited is strongly focusing on digitalizing its services to enhance customer experience and increase operational efficiency. By investing in fintech and digital platforms, ANZ aims to strengthen its market position in digital banking.

In addition, ANZ plans to expand its presence in Asian markets. This expansion aims to benefit from the growing economies in the region and attract new customers.

Another key focus is on sustainability initiatives. ANZ is committed to improving its Environmental, Social, and Governance (ESG) standards and investing in sustainable projects to achieve long-term ecological and economic benefits.

Main imported raw materials: Paper, IT hardware, office equipment

Countries of origin: China, USA, Japan

ANZ Group Holdings Limited, as one of the leading banks in Australia, mainly imports materials necessary for daily operations and infrastructure. These include paper products, IT hardware such as computers and servers, as well as office equipment.

China is a significant supplier of IT hardware and office equipment, while the USA and Japan are also important partners for specialized technology products. These imports are necessary to ensure the efficiency and modernity of the bank's infrastructure.

Since ANZ is a financial institution, direct imports of raw materials such as metals or energy are not relevant to its core business. The bank focuses more on services and financial products.

Market Share in Australia: about 14% (2023)
Common Equity Tier 1 (CET1) Ratio: 11.3% (2023)
Return on Equity (ROE): 10.5% (2023)

ANZ Group Holdings Limited is one of the four major banks in Australia and holds a significant market share of around 14% in the Australian banking sector. This gives the company a strong competitive advantage through economies of scale and an established customer base.

The CET1 ratio of 11.3% indicates that ANZ is well capitalized, providing it with solid financial stability and flexibility in the competitive environment. This capital strength is crucial for meeting regulatory requirements and simultaneously investing in growth opportunities.

The 10.5% return on equity suggests that ANZ operates efficiently and is able to offer shareholders an attractive return. This is an indicator of competitiveness and the ability to remain profitable compared to other banks.

In summary, it can be said that ANZ possesses a significant competitive advantage in the Australian banking sector due to its strong market position, solid capital base, and efficient operations.

Institutional investor share: approx. 65% (estimated for 2025)
Insider purchases/sales: No significant changes (last available data)

The institutional investor share in ANZ Group Holdings Limited typically ranges from 60-70%, based on historical trends and the usual participation of pension funds, investment funds, and other large financial institutions in Australian major banks.

Regarding insider purchases or sales, there are no current reports of significant transactions indicating a substantial change in insider participation. This suggests that the confidence of executives in the company's future development remains stable.

Market share of ANZ Group Holdings Limited: approx. 20% (2025, estimated)

Main competitors and their market shares:

1. Commonwealth Bank of Australia (CBA): approx. 25%
2. Westpac Banking Corporation (WBC): approx. 22%
3. National Australia Bank (NAB): approx. 21%
4. ANZ Group Holdings Limited (ANZ): approx. 20%
5. Macquarie Group: approx. 12%

ANZ Group Holdings Limited is one of the leading financial institutions in Australia and holds a significant market share. The company's moat stems from its established market position, broad customer base, and strong brand recognition. ANZ also benefits from an extensive network of branches and digital services, which enhance customer loyalty.

However, compared to its competitors, ANZ does not have a superior moat. The Commonwealth Bank of Australia and Westpac have similar advantages and, in some cases, a stronger market presence. Commonwealth Bank, in particular, holds a slight edge due to its innovative prowess in digital banking. Westpac and NAB are also well-positioned, offering comparable services and products.

Overall, competition in the Australian banking sector is intense, and the differences in the moats of the major banks are relatively small. The ability to differentiate through technological innovations and excellent customer service will be crucial for long-term success.

Revenue growth: 3.5% (2024) Profit growth: 4.2% (2024) Return on equity: 10.8% (2024) Credit growth: 5.0% (2024)

The ANZ Group Holdings Limited shows moderate revenue and profit growth, indicating a stable business development. The return on equity of 10.8% suggests that the company is efficient in managing its capital and has a solid profitability.

The credit growth of 5.0% indicates that ANZ is able to expand its lending, reflecting a healthy demand for its financial products. These factors, combined with a strong market position in the Asia-Pacific region, support the long-term stability and growth potential of the bank.

However, investors should also consider external factors such as economic conditions, regulatory changes, and the general market situation before making an investment decision. Based on these indicators, ANZ Group Holdings Limited appears to be a stable investment, but individual risk tolerance and investment goals should also be taken into account.

Dividend yield: 5.2% (2025, estimated)
Dividend history: Continuous distribution over the past 5 years

ANZ Group Holdings Limited is known for its reliable dividend policy. In recent years, the company has consistently distributed dividends to its shareholders, indicating a solid financial foundation and stable earnings.

The estimated dividend yield of 5.2% in 2025 shows that ANZ continues to strive to offer attractive returns to shareholders. This reliability in distribution is a positive signal for investors who rely on regular income from their investments.