# ANZ Group Holdings Ltd

Summary updated: 2026-10-02T10:31:01.67952Z
Canonical: https://finbar.com/research/companies/anz-group-holdings

## Overview

ANZ Group Holdings Ltd is a banking and financial-services group serving retail, business and institutional customers. Its services include personal and business banking, lending, payments and institutional finance. Its core divisions span Australia and New Zealand retail and commercial banking, alongside institutional banking [1](https://app.finbar.com/go?id=P117217110). ANZ states its purpose is “to shape a world where people and communities thrive” [2](https://www.anz.com.au/about-us/).

Australia and New Zealand are its principal markets, with an international presence across 29 markets. ANZ reports serving more than 8.5 million retail and business customers [3](https://app.finbar.com/go?id=P34699979)[4](https://www.anz.com.au/about-us/our-company/). In FY2025, operating income was A$21.899 billion, and the group had 42,698 employees at 30 September 2025 [5](https://app.finbar.com/go?id=T8567532)[6](https://www.anz.com.au/content/dam/anzcom/shareholder/2025-annual-report/anz-2025-annual-report.pdf).
[1](https://app.finbar.com/go?id=P117217110)[2](https://www.anz.com.au/about-us/)[3](https://app.finbar.com/go?id=P34699979)[4](https://www.anz.com.au/about-us/our-company/)[5](https://app.finbar.com/go?id=T8567532)[6](https://www.anz.com.au/content/dam/anzcom/shareholder/2025-annual-report/anz-2025-annual-report.pdf)[2](https://www.anz.com.au/about-us/)[4](https://www.anz.com.au/about-us/our-company/)[6](https://www.anz.com.au/content/dam/anzcom/shareholder/2025-annual-report/anz-2025-annual-report.pdf)

## Products & services

ANZ’s personal banking products include transaction and savings accounts, term deposits, home loans, credit cards—including low-rate, rewards and frequent-flyer options—and personal loans. Its ANZ Plus offering combines Everyday, Growth Saver and optional Flex Saver accounts with app-based savings goals, round-ups, scheduled transfers, spending categorisation and transaction tools. ANZ also offers a digital home-loan application and management process for eligible refinance loans. [7](https://www.anz.com.au/personal/) [8](https://www.anz.com.au/personal/bank-accounts/) [9](https://www.anz.com.au/personal/home-loans/) [10](https://www.anz.com.au/personal/credit-cards/) [11](https://www.anz.com.au/personal/personal-loans/) [12](https://www.anz.com.au/plus/accounts/save/) [13](https://www.anz.com.au/plus/benefits/) [14](https://www.anz.com.au/plus/digital-home-loans/)

Business offerings include transaction accounts, cards, secured and unsecured loans with fixed or variable rates and tailored repayments, overdrafts, and vehicle and equipment finance. Payment services include merchant acceptance for in-store, online and mobile transactions, as well as BPAY, Direct Debit and PayID. For institutional clients, ANZ provides payments and cash management, account and liquidity management, trade and supply-chain services, financial markets products—including foreign exchange, credit and interest-rate products, debt capital markets and commodities—and corporate finance, including lending and syndicated-loan services. ANZ Transactive Global is its transaction-banking platform for institutional and large corporate clients. [15](https://www.anz.com.au/business/accounts/transaction-accounts/) [16](https://www.anz.com.au/business/loans-finance/business-loan/) [17](https://www.anz.com.au/business/loans-finance/) [18](https://www.anz.com.au/business/merchants-payments/) [19](https://www.anz.com/institutional/solutions/payments-cash-management/) [20](https://www.anz.com/institutional/solutions/financial-markets/) [21](https://www.anz.com/institutional/solutions/corporate-finance/) [22](https://www.anz.com/institutional/transactive/)

At June 2026, ANZ reported A$145bn in total loan balances, comprising A$118bn in personal home loans, A$25bn in other personal loans and A$2bn in business loans. These are balance measures, not product revenue shares; the cited reporting does not provide revenue or profit contributions for individual named products. [23](https://app.finbar.com/go?id=T17968699)
[23](https://app.finbar.com/go?id=T17968699)[23](https://app.finbar.com/go?id=T17968699)[23](https://app.finbar.com/go?id=T17968699)[23](https://app.finbar.com/go?id=T17968699)[7](https://www.anz.com.au/personal/)[8](https://www.anz.com.au/personal/bank-accounts/)[9](https://www.anz.com.au/personal/home-loans/)[10](https://www.anz.com.au/personal/credit-cards/)[11](https://www.anz.com.au/personal/personal-loans/)[12](https://www.anz.com.au/plus/accounts/save/)[13](https://www.anz.com.au/plus/benefits/)[14](https://www.anz.com.au/plus/digital-home-loans/)[15](https://www.anz.com.au/business/accounts/transaction-accounts/)[16](https://www.anz.com.au/business/loans-finance/business-loan/)[17](https://www.anz.com.au/business/loans-finance/)[18](https://www.anz.com.au/business/merchants-payments/)[19](https://www.anz.com/institutional/solutions/payments-cash-management/)[20](https://www.anz.com/institutional/solutions/financial-markets/)[21](https://www.anz.com/institutional/solutions/corporate-finance/)[22](https://www.anz.com/institutional/transactive/)

## Geographic presence

ANZ’s principal domestic markets are Australia and New Zealand, alongside Pacific operations and an international Institutional network covering close to 30 markets. ANZ reports an on-the-ground presence in more than 10 Asian markets, with Institutional activity spanning Australia, New Zealand, Asia, the Pacific, Europe, North America and the Middle East. Financial-markets locations include Sydney, Melbourne, Auckland, Wellington, Singapore, Hong Kong, Beijing, Tokyo, Seoul, London and New York. The network figures describe Institutional coverage, not necessarily the retail branch footprint. [24](https://www.anz.com/institutional/global/)[20](https://www.anz.com/institutional/solutions/financial-markets/)

In FY2025, year-end employee FTE was 20,899 in Australia, 6,758 in New Zealand and 15,041 in the Rest of World—approximately 49%, 16% and 35% of the 42,698 total, respectively. [25](https://app.finbar.com/go?id=T8410759) ANZ’s geographic interest-income disclosure for the year was A$43,903 million from Australia, A$9,595 million from New Zealand and A$10,425 million from the Rest of World. These figures relate to interest-earning assets, rather than total operating revenue; the available revenue breakdown is by business division, and does not provide a directly comparable country-level revenue allocation. [26](https://app.finbar.com/go?id=T5049910)
[25](https://app.finbar.com/go?id=T8410759)[25](https://app.finbar.com/go?id=T8410759)[25](https://app.finbar.com/go?id=T8410759)[26](https://app.finbar.com/go?id=T5049910)[26](https://app.finbar.com/go?id=T5049910)[26](https://app.finbar.com/go?id=T5049910)[24](https://www.anz.com/institutional/global/)[20](https://www.anz.com/institutional/solutions/financial-markets/)

## Business segments

ANZ’s latest completed annual reporting year is FY2025, ended 30 September 2025. Its reported segments are Australia Retail, Australia Commercial, Institutional, New Zealand, Suncorp Bank and Pacific; Group Centre is reported separately for reconciliation but is not a customer-facing operating segment. [6](https://www.anz.com.au/content/dam/anzcom/shareholder/2025-annual-report/anz-2025-annual-report.pdf)

FY2025 operating income and approximate share of Group operating income (A$21,899 million): Australia Retail—Australian retail banking, A$5,872 million (26.8%); Australia Commercial—commercial banking, including SMEs, larger commercial customers, high-net-worth individuals and family groups, A$3,486 million (15.9%); Institutional—banking for institutional and large corporate customers, A$6,812 million (31.1%); New Zealand—banking business in New Zealand, A$3,624 million (16.5%); Suncorp Bank—Suncorp’s banking business, A$1,706 million (7.8%); and Pacific—banking operations across Pacific markets, A$197 million (0.9%). [27](https://www.anz.com.au/content/dam/anzcom/shareholder/full-year-results-announcement/2025-full-year-results-investor-discussion-pack.pdf) Group Centre contributed A$202 million (0.9%); percentages are calculated from segment operating income divided by Group operating income and rounded to one decimal place. [27](https://www.anz.com.au/content/dam/anzcom/shareholder/full-year-results-announcement/2025-full-year-results-investor-discussion-pack.pdf)
[28](https://app.finbar.com/go?id=T713050)[6](https://www.anz.com.au/content/dam/anzcom/shareholder/2025-annual-report/anz-2025-annual-report.pdf)[27](https://www.anz.com.au/content/dam/anzcom/shareholder/full-year-results-announcement/2025-full-year-results-investor-discussion-pack.pdf)

## Company history

ANZ traces its origins to the Bank of Australasia, established in 1835. In 1951, the Bank of Australasia merged with the Union Bank of Australia to form ANZ Bank; a further merger on 1 October 1970, between ANZ Ltd and the English, Scottish and Australian Bank, formed Australia and New Zealand Banking Group Limited. [29](https://www.anz.com.au/newsroom/news/2021/10/anz-70-year-anniversary-bank-australasia-union-history/)[30](https://www.anz.com.au/bluenotes/2020/10/anz-history-english-scottish-australian-bank-merger-1970/)

From the 1980s into the 2000s, ANZ expanded its regional presence, acquiring Grindlays in 1984, PostBank in New Zealand in 1989 and the National Bank of New Zealand in 2003. It broadened its wealth-management business through the 2009 acquisition of ING Group’s stakes in Australian and New Zealand joint ventures, and expanded in Asia in 2010 by acquiring six RBS businesses. [31](https://www.anz.com.au/newsroom/news/2022/06/anz-asia-pacific-leadership-diversity-career-retirement/)[32](https://www.anz.com.au/newsroom/new-zealand/2024/02/roger-fannin-anz-rural-agri-manager-50-years/)[33](https://www.anz.com.au/newsroom/media/2012/09/anz-and-the-national-bank-brands-become-anz-bank-new-zealand/)[34](https://www.anz.com.au/content/dam/anzcomau/mediacentre/pdfs/mediareleases/2009/November/30-11-2009_ANZ%20completes%20ING%20wealth%20management%20acquisition%20in%20Australia%20and%20New%20Zealand%20PDF%2020kB.pdf)[35](https://www.anz.com.au/newsroom/media/2010/06/anz-completes-rbs-acquisitions-in-asia--pdf-172kb-/)

In 2016, ANZ announced it would sell retail and wealth businesses in several Asian markets, with sales completed by 2018 as it refocused its regional presence on institutional banking. In Australia, ANZ completed its acquisition of Suncorp Bank on 31 July 2024. [36](https://www.anz.com.au/newsroom/media/2016/10/anz-to-focus-on-institutional-banking-in-asia/)[37](https://www.anz.com.au/newsroom/media/2024/july/anz-completes-acquisition-of-suncorp-bank/)
[29](https://www.anz.com.au/newsroom/news/2021/10/anz-70-year-anniversary-bank-australasia-union-history/)[30](https://www.anz.com.au/bluenotes/2020/10/anz-history-english-scottish-australian-bank-merger-1970/)[31](https://www.anz.com.au/newsroom/news/2022/06/anz-asia-pacific-leadership-diversity-career-retirement/)[32](https://www.anz.com.au/newsroom/new-zealand/2024/02/roger-fannin-anz-rural-agri-manager-50-years/)[33](https://www.anz.com.au/newsroom/media/2012/09/anz-and-the-national-bank-brands-become-anz-bank-new-zealand/)[34](https://www.anz.com.au/content/dam/anzcomau/mediacentre/pdfs/mediareleases/2009/November/30-11-2009_ANZ%20completes%20ING%20wealth%20management%20acquisition%20in%20Australia%20and%20New%20Zealand%20PDF%2020kB.pdf)[35](https://www.anz.com.au/newsroom/media/2010/06/anz-completes-rbs-acquisitions-in-asia--pdf-172kb-/)[36](https://www.anz.com.au/newsroom/media/2016/10/anz-to-focus-on-institutional-banking-in-asia/)[37](https://www.anz.com.au/newsroom/media/2024/july/anz-completes-acquisition-of-suncorp-bank/)

## Sources

1. [ANZ Group Holdings Ltd — Press release (2025 Y), p2](https://app.finbar.com/go?id=P117217110)
2. [www.anz.com.au](https://www.anz.com.au/about-us/)
3. [ANZ Group Holdings Ltd — Press release (2025 Y), p1](https://app.finbar.com/go?id=P34699979)
4. [www.anz.com.au](https://www.anz.com.au/about-us/our-company/)
5. [ANZ Group Holdings Ltd — Press release (2025 Y), p1](https://app.finbar.com/go?id=T8567532)
6. [www.anz.com.au](https://www.anz.com.au/content/dam/anzcom/shareholder/2025-annual-report/anz-2025-annual-report.pdf)
7. [www.anz.com.au](https://www.anz.com.au/personal/)
8. [www.anz.com.au](https://www.anz.com.au/personal/bank-accounts/)
9. [www.anz.com.au](https://www.anz.com.au/personal/home-loans/)
10. [www.anz.com.au](https://www.anz.com.au/personal/credit-cards/)
11. [www.anz.com.au](https://www.anz.com.au/personal/personal-loans/)
12. [www.anz.com.au](https://www.anz.com.au/plus/accounts/save/)
13. [www.anz.com.au](https://www.anz.com.au/plus/benefits/)
14. [www.anz.com.au](https://www.anz.com.au/plus/digital-home-loans/)
15. [www.anz.com.au](https://www.anz.com.au/business/accounts/transaction-accounts/)
16. [www.anz.com.au](https://www.anz.com.au/business/loans-finance/business-loan/)
17. [www.anz.com.au](https://www.anz.com.au/business/loans-finance/)
18. [www.anz.com.au](https://www.anz.com.au/business/merchants-payments/)
19. [www.anz.com](https://www.anz.com/institutional/solutions/payments-cash-management/)
20. [www.anz.com](https://www.anz.com/institutional/solutions/financial-markets/)
21. [www.anz.com](https://www.anz.com/institutional/solutions/corporate-finance/)
22. [www.anz.com](https://www.anz.com/institutional/transactive/)
23. [ANZ Group Holdings Ltd — Presentation (2026 Q 3), p11](https://app.finbar.com/go?id=T17968699)
24. [www.anz.com](https://www.anz.com/institutional/global/)
25. [ANZ Group Holdings Ltd — Additional data (2025 Y), p6](https://app.finbar.com/go?id=T8410759)
26. [ANZ Group Holdings Ltd — Additional data (2025 Y), p34](https://app.finbar.com/go?id=T5049910)
27. [www.anz.com.au](https://www.anz.com.au/content/dam/anzcom/shareholder/full-year-results-announcement/2025-full-year-results-investor-discussion-pack.pdf)
28. [ANZ Group Holdings Ltd — Additional data (2025 Y), p9](https://app.finbar.com/go?id=T713050)
29. [www.anz.com.au](https://www.anz.com.au/newsroom/news/2021/10/anz-70-year-anniversary-bank-australasia-union-history/)
30. [www.anz.com.au](https://www.anz.com.au/bluenotes/2020/10/anz-history-english-scottish-australian-bank-merger-1970/)
31. [www.anz.com.au](https://www.anz.com.au/newsroom/news/2022/06/anz-asia-pacific-leadership-diversity-career-retirement/)
32. [www.anz.com.au](https://www.anz.com.au/newsroom/new-zealand/2024/02/roger-fannin-anz-rural-agri-manager-50-years/)
33. [www.anz.com.au](https://www.anz.com.au/newsroom/media/2012/09/anz-and-the-national-bank-brands-become-anz-bank-new-zealand/)
34. [www.anz.com.au](https://www.anz.com.au/content/dam/anzcomau/mediacentre/pdfs/mediareleases/2009/November/30-11-2009_ANZ%20completes%20ING%20wealth%20management%20acquisition%20in%20Australia%20and%20New%20Zealand%20PDF%2020kB.pdf)
35. [www.anz.com.au](https://www.anz.com.au/newsroom/media/2010/06/anz-completes-rbs-acquisitions-in-asia--pdf-172kb-/)
36. [www.anz.com.au](https://www.anz.com.au/newsroom/media/2016/10/anz-to-focus-on-institutional-banking-in-asia/)
37. [www.anz.com.au](https://www.anz.com.au/newsroom/media/2024/july/anz-completes-acquisition-of-suncorp-bank/)

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