ANZ Banking Group

Name

ANZ Banking Group

Legal name

Australia and New Zealand Banking Group Limited

Website

https://anz.com

Company type

Public

Founded year

1835

Operating status

Operating

Ownership category

akta.pro rank

Product category

Diversified Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Consumer & Retail (CPG, Food, Apparel) (FSABACAM)

akta.pro secondary industries

Real Estate (Commercial Property, REITs) (FSABACAH), High-Net-Worth (HNW) Private Banking (FSABADAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial lending
• Institutional banking
• Wealth management
• Trade finance

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from lending activities (home loans, personal loans, business loans) minus interest paid on deposits. Core revenue driver for the retail and commercial banking operations
2. Transaction and Fee Income: Fees from banking services including account maintenance, ATM withdrawals, international transfers, credit cards, merchant services, and business banking transaction fees
3. Wealth Management: Superannuation, investment products, financial advice, and private banking services for high net worth individuals
4. Institutional Banking Services: Corporate finance, trade finance, cash management, FX services, and capital markets solutions for institutional clients across Asia-Pacific
5. Insurance Distribution: Distribution of home, life, car, and travel insurance products through the ANZ branch and digital network

Pricing tiers

Go-to-market motion4 records

Distribution channels11 records

Marketing channels8 records

Core offering

ANZ Banking Group is a diversified financial services institution providing retail banking (everyday and savings accounts, home loans, personal loans, credit cards, insurance, superannuation), business banking (loans, accounts, merchant services, international trade, FX), and institutional banking (Transactive-Global, Cashactive, Fileactive, FX Online, Transactive Trade, corporate finance, capital markets). It operates across approximately 30 markets globally including 13+ across Asia, with retail franchise concentrated in Australia and New Zealand.

Product overview

ANZ Banking Group operates as a major diversified financial services institution offering a platform-plus-modules architecture across retail, business, and institutional banking. Retail banking includes personal accounts (ANZ Access, ANZ Plus digital platform), credit cards, home loans, personal loans, insurance products (home, car, life, income protection, travel), and superannuation (ANZ Smart Choice Super, ANZ Self Managed Super). The ANZ Plus sub-brand provides digital-first banking with Everyday, Growth Saver, and Flex Saver accounts plus digital home loans via mobile app. Business banking serves SMEs with accounts, loans, merchant services, and international trade. Institutional banking offers enterprise platforms (Transactive Global, Cashactive, FX Online, Transactive Trade) for payments, cash management, trade finance, financial markets, and corporate advisory. Key platforms include the ANZ App (mobile banking), Salesforce Agentforce 360 AI CRM, and ANZ Falcon fraud detection. The bank operates across approximately 30 markets globally with retail presence in Australia and New Zealand.

Differentiator

Problem solved

Functional benefit

Brands

• ANZ Falcon: Fraud detection technology that monitors millions of transactions to help protect customers from fraud.
• ANZ Plus
• ANZ Transactive - Global
• ANZ Institutional
• ANZ Private Bank

Products and services

• ANZ Access Advantage Everyday banking transaction account with fee waiver upon monthly deposit of $2,000 or more. Includes internet banking, mobile app, ATM, and branch access for individual consumers.
• ANZ Progress Saver Savings account paying bonus interest when a minimum single deposit of $10 is made and no withdrawals occur in the qualifying month. For individual retail savers.
• ANZ Online Saver Online savings account earning standard variable interest rate, accessible via internet or phone banking for individual consumers.
• ANZ Term Deposit Traditional term deposit with fixed interest rate. Minimum deposit $5,000 with various maturity options. Includes ANZ Advance Notice Term Deposit requiring 31-day notice for early withdrawal.
• ANZ Plus Everyday Digital-first everyday transaction account on the ANZ Plus platform. Does not earn interest. Features Visa Debit Card, Pay Anyone, BPAY, PayTo, and international transfers. Access via ANZ Plus App only.
• ANZ Plus Growth Saver Digital savings account paying bonus interest when balance grows by $100 or more compared to the previous month. Linked to ANZ Plus Everyday account.
• ANZ Plus Flex Saver Digital savings account with tiered/banded interest rates. Higher rate applies for balances up to $5,000 and lower rate above that threshold.
• ANZ Plus Home Loan Digital home loan refinancing product available through the ANZ Plus App with offset account linking to ANZ Plus Everyday account for individual borrowers.
• ANZ Credit Cards Range of credit cards including low interest rate options, rewards programs, frequent flyer cards, and platinum tier. Includes balance transfer capabilities. For individual consumers.
• ANZ Home Loans Residential mortgage products for buying, refinancing, and investing in property. Includes calculators, guides, and home loan specialist support for individual borrowers.
• ANZ Personal Loans Unsecured personal loans for car purchases, debt consolidation, renovations, and travel. Includes overdraft facilities. For individual consumers.
• ANZ Insurance Distribution of home, car, life, income protection, and travel insurance products through ANZ branch and digital channels for individual consumers.
• ANZ Superannuation Superannuation and retirement planning products including ANZ Smart Choice Super and ANZ Self Managed Super options. For individual retirement savers.
• ANZ Share Investing Online share trading platform for purchasing and managing investment portfolios. For individual investors.
• ANZ Private Bank Specialized banking and wealth management services for high net worth individuals including investment management, lending, and advisory services with dedicated private bankers.
• Business Banking Comprehensive banking services for small and medium businesses including accounts, loans, credit cards, merchant services, international trade, and foreign exchange solutions.
• Agribusiness Banking Specialized banking solutions for the agricultural sector including farm finance, commodity risk management, and seasonal credit facilities for agribusiness clients.
• Indigenous Banking Services Tailored banking solutions supporting Indigenous small business owners with specialized products and culturally appropriate services.
• ANZ Transactive – Global Institutional online banking platform for transaction banking, cash management, and trade finance operations. For large corporate and institutional clients.
• ANZ Cashactive Cash management platform for institutional clients providing liquidity management and reporting.
• ANZ Fileactive File transfer and management platform for bulk payment and reporting files for institutional clients.
• ANZ FX Online Foreign exchange trading and management platform for institutional and corporate clients to manage currency exposure and execute FX trades.
• ANZ e-Matching Matching service for institutional clients to reconcile and match transactions.
• ANZ Transactive Trade Trade finance platform covering documentary credits, collections, guarantees, and supply chain finance for institutional clients.
• ANZ Markets Solutions Financial markets platform covering FX risk solutions, capital markets, interest rate management, and commodities trading for institutional clients.
• Payments and Cash Management Institutional solution covering domestic and international payables, receivables, clearing services, cash pooling, and virtual account management.
• Trade and Supply Chain Trade finance services including documentary credits, collections, import/export loans, bank guarantees, and supply chain finance for institutional clients.
• Corporate Finance Advisory, project finance, loan syndications, leveraged finance, structured asset finance, and sustainable finance services for institutional clients.
• ANZ Salesforce Agentforce 360 CRM AI-powered CRM platform for business banking consolidating data from 20 systems, automating routine tasks, and supporting agentic AI for customer service operations.
• ANZ Falcon Fraud detection technology monitoring millions of transactions daily to identify and prevent fraudulent activity, using machine learning to detect unusual patterns. Powered by Fair Isaac Corporation technology.
• ANZ App Mobile banking application for iOS and Android providing account access, payments, transfers, card management, and customer support for existing ANZ retail and business customers.

Quantifiable outcome

• First-half cash profit of A$3.78 billion for six months to March 2026, beating analyst estimates of A$3.69 billion
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

AI capability5 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SWIFTcoreTechnology or Integration · 1 April 2026ANZ participates in SWIFT's new retail payments framework covering 50+ banks across 25+ corridors, with first wave going live by mid-2026. At least 30 of those banks already have ties to Ripple's ecosystem. ANZ connected to SWIFT through various integration points for international payments and corporate banking services.
• SalesforcecoreTechnology or Integration · 9 February 2026ANZ Banking Group is deploying Salesforce's Agentforce 360 within a new AI-powered CRM platform for the business banking division. The new system consolidates data from 20 platforms, automates routine tasks, and supports agentic AI capabilities expected to significantly boost productivity.
• Australian GovernmentcoreStrategic or Co-development Partner · 1 September 2025The Australian government passed the Pacific Banking Guarantee Act 2025 in September 2025, which guarantees Australian banks' sovereign lending to Pacific governments including Papua New Guinea and Timor-Leste. The legislation allows ANZ to exclude Pacific sovereign bonds from regulatory capital requirements under APRA prudential standards, effectively reducing capital burden while the government claims it is not a subsidy.
• ChainlinkcoreTechnology or Integration · 21 August 2025ANZ Bank is actively deploying Chainlink oracle services for cross-chain DvP and PvP settlements of tokenized assets and CBDCs. ANZ is part of a group of major financial institutions including J.P. Morgan Kinexys, Fidelity International, UBS, and Euroclear that are using Chainlink oracle services for institutional digital asset settlements.
• Australian Banking AssociationcoreStrategic or Co-development Partner · 10 January 2025ANZ is a participant in Australia's Scam Safe Accord introduced by the ABA and Customer Owned Banking Association in November 2023, mandating six anti-fraud initiatives including biometric checks, confirmation of payee systems, payment delays, and intelligence sharing. Major banks including NAB, CBA, Westpac, and ANZ have begun implementing compliance measures.
• Customer Owned Banking AssociationminorStrategic or Co-development Partner · 10 January 2025Co-participant with ANZ in Australia's Scam Safe Accord for anti-fraud measures across Australian banking sector.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Commonwealth Bank of Australia: Australia's largest Big Four bank and ANZ's closest direct peer, operating a similar diversified retail, business, and institutional banking franchise across Australia and New Zealand. Both compete head-to-head in mortgages, deposits, business banking, and institutional markets.
• Westpac Banking Corporation: Big Four Australian bank and direct peer of ANZ, offering comparable retail, business, and institutional banking services across Australia and New Zealand. Westpac competes directly with ANZ in mortgages, deposits, and institutional relationships.
• National Australia Bank: Big Four Australian bank and direct peer of ANZ, with a parallel business mix spanning retail, business, and institutional banking in Australia and New Zealand (including BNZ). NAB and ANZ compete for the same large corporate and SME customers.
• Macquarie Group: Australian-headquartered bank with a large institutional banking and markets division, plus retail banking (Macquarie Bank). Comparable to ANZ in institutional banking, FX, capital markets, and asset finance, with growing competition in business banking.

Broad incumbents

• DBS Group Holdings: Singapore-based leading Asia bank with comparable institutional, transaction banking, and trade finance capabilities. A peer to ANZ in regional Asia-Pacific institutional banking and increasingly in cross-border trade and FX across the 13+ Asian markets ANZ serves.
• HSBC Holdings: Global bank with significant Asia-Pacific institutional and trade finance franchise. Comparable to ANZ Institutional in cross-border payments, trade, FX, and large corporate banking across the same APAC corridors.
• Standard Chartered: Asia, Africa, and Middle East-focused international bank with institutional and transaction banking strengths. Directly comparable to ANZ in cross-border trade, FX, and emerging markets institutional banking.

Regional players

• Oversea-Chinese Banking Corporation (OCBC): Singapore-headquartered bank with strong Southeast Asia presence. Co-participant with ANZ in the A$3 billion Sembcorp/Alinta Energy loan facility, reflecting direct competition in regional corporate and trade finance.
• United Overseas Bank (UOB): Singapore-based bank with strong Southeast Asia institutional franchise. Co-participant with ANZ in the A$3 billion Sembcorp/Alinta Energy loan facility, comparable in regional trade, FX, and corporate banking.
• Bank of China: Major Chinese state-owned bank with extensive Asia-Pacific institutional presence. Co-participant with ANZ in the A$3 billion Sembcorp/Alinta Energy loan facility, competing in cross-border trade, FX, and corporate banking across the region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/ANZ_AU
• YouTubeyoutube.com/anzaustralia
• Facebookfacebook.com/ANZAustralia
• LinkedInau.linkedin.com/company/anz
• Instagraminstagram.com/anz_au/?hl=en

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ANZ Banking Group