Anz Group Holdings Limited · ASX:ANZ
Anz — Australia and New Zealand Banking Group — Investor Presentation (March 2025)
37 slides from Anz's investor presentation, Mar 24, 2025
Slide 1: ANZ Plus - Session 2
ANZ Plus - Session 2 Strategy, features & migration readiness Maile Carnegie, Group Executive Australia Retail Mo Khalil, Managing Director ANZ Plus & Digital Christine Linden, General Manager Customer Migration 24 March 2025
Slide 2: Important information
Important information Forward-looking statements The material in this presentation contains general background information about the Group’s activities current as at 23 March 2025. It is information given in summary form and does not purport to be complete. It is not intended to be and should not be
Slide 3: Agenda
Agenda Retail banking and our transformation 1 Maile Carnegie What’s next for ANZ Plus 2 Mo Khalil Moving our customers to ANZ Plus 3 Christine Linden 4 Q&A
Slide 4: Retail banking and our transformation
ANZ Plus - Session 2 Strategy, features & migration readiness Retail banking and our transformation 1 Maile Carnegie
Slide 5: Our Retail technology, systems and processes were complex
Our Retail technology, systems and processes were complex Duplicated capabilities and information Limited re-use Limited capacity for change Not multi-channel Duplicated capabilities Slow movingand information data Multiple systems to service No complete view of customer 5
Slide 6: ANZ's Retail transformation choices
ANZ's Retail transformation choices Everything else required to make the bank function i.e. Operations Core Channels i.e. general ledger, treasury, payment, fraud i.e App, Web, OLA, ATM, Branch, CC, iKnow, BD Systems ~70 ~3501 ~80 1. Australia Retail & Australia Commercial 6
Slide 7: The pathway options to future readiness
The pathway options to future readiness Integrated experience Future ready 2 Transformed Customer experience 1 Increasing customer focus 3 Silos and spaghetti Industrialised Traditional Traditional Transformed Operational efficiency Increasing automation, standardisation, reuse and productivity
Slide 8: ANZ's Retail transformation choices
ANZ's Retail transformation choices Everything else required to make the bank function i.e. Operations Core Channels i.e. general ledger, treasury, payment, fraud i.e App, Web, OLA, ATM, Branch, CC, iKnow, BD Systems ~70 ~3501 ~80 1. Australia Retail & Australia Commercial 8
Slide 9: ANZ Plus is on the leading edge in its adoption of serverless technologies
"Salesforce helps ANZ Plus grow trusted relationships through personalisation to serve customers with the right information in the ANZ Plus is on the leading edge in its moments that matter. We help ANZ Plus to increase productivity and adoption of serverless technologies in reduce the cost to serve
Slide 10: Operating a more efficient and secure bank
Operating a more efficient and secure bank More attractive More engaging More efficient More secure Greater propensity Higher customer Faster to deploy, lower cost More resilient to join lifetime value to onboard, serve & engage systems & services 10
Slide 11: We are taking a different approach to simplification
We are taking a different approach to simplification Building ANZ Plus is one element of the ongoing transformation of the Retail division Build, prove and Simplify our existing Move our Decommission scale ANZ Plus business: customers to ANZ what we don’t platforms, • Product Plus need and drive pro
Slide 12: What's next for ANZ Plus
ANZ Plus - Session 2 Strategy, features & migration readiness What’s next for ANZ Plus 2 Mo Khalil
Slide 13: Our progress to date
Our progress to date 1m+ $19.9 B 55% +44 +58 45% lower 35% lower 248 K 4.7 0 4.8 1. As at 01/03/25 2. FY24 – ANZ Plus deposit costs only. Cost to Serve based on variable costs in nature (includes distribution, operations and product costs) 3. Active customers using FWB features All other data points
Slide 14: Delivering more rapidly
Delivering more rapidly 30-38 production releases per day 20k platform tests conducted per day ANZ Plus Releases Date Data to Feb 2025 14
Slide 15: Everyday banking
Everyday banking Products & Options Features & Experience Channels & Services 1. Money Management & Expense Prediction 1. Web Banking 1.0 1. Flex Saver 2. ANZ Plus 3rd Party Add Ons: 2. Multi-Lingual Coach Support 2. ANZ Save Qualifier • CashRewards 3. Migration Experience Support By the end of 2025
Slide 16: Home loans
Home loans Products & Options Features & Experience Channels & Services Refinance to ANZ Plus: 1. Investor P&I Variable 1. App 1. Home loan calculator on ANZ 2. Investor IO Variable Plus website 2. Web 1.0 3. Owner Occupier P&I Variable 4. Owner Occupier IO Variable 2. Test drive your home loan 3. B
Slide 17: Refinance your home loan in minutes
Refinance your home loan in minutes 10 mins1 10 mins1 Loan application created, submitted, approved Loan docs generated and accepted Proof of insurance uploaded Preferences including offset set up 7:28 7:32 7:34 7:39 7:40 7:41 Apply via Data driven finances and Automated Digital loan the App instant
Slide 18: Customer feedback
Customer feedback I loved the convenience of doing the I can't get over how easy the entire application in the app and it process was, it only took a few saved a lot of hassle by prefilling a minutes of my time and I did it via lot of detail for me. the app It was one the best and most The person wh
Slide 19: Lender feedback
Lender feedback It was great to be able to refer that I started a new ANZ Plus customer customer through to Plus as it then allowed home loan application this them (a branch lender) to spend their time afternoon at around 1:30 PM. working on another complex bridging The ANZ Plus coach picked up the
Slide 20: Our 2025 focus
Our 2025 focus Continue to add new features Building out our Home Loan New features and for customers and coaches to Proposition across Mobile, enhancements to support our drive the scale of ANZ Plus Coaches, and Broker customers migrating 20
Slide 21: Moving our customers to ANZ Plus
ANZ Plus - Session 2 Strategy, features & migration readiness Moving our customers to ANZ Plus 3 Christine Linden
Slide 22: Multiple move pathways
Multiple move pathways Suncorp Bank Est. 1828 Est. 2022 Est. 1902 ~6m retail customers 1m retail customers 1.2m retail & commercial customers 22
Slide 23: Continuing to simplify to be future ready
Continuing to simplify to be future ready Simple product Simple technology Simple Terms offering architecture & Conditions 23
Slide 24: Building and testing industrialised migration capabilities
Building and testing industrialised migration capabilities 00 Target Customer proposition Safely execute destination & journey migration events ANZ Plus Banking continuity Tech move tools landing pad Data quality Extensive testing Journeys tested Hypercare 24
Slide 25: Making migration seamless: customer data
Making migration seamless: customer data What we’ll move to ANZ Plus to support a simple upgrade experience and continuity of banking for our customers 25
Slide 26: Building and testing industrialised migration capabilities
Building and testing industrialised migration capabilities 00 Target Customer proposition Safely execute destination & journey migration events ANZ Plus Banking continuity Tech move tools landing pad Data quality Extensive testing Journeys tested Hypercare 26
Slide 27: Multiple move pathways
Multiple move pathways Suncorp Bank Est. 1828 Est. 2022 Est. 1902 ~6m retail customers 1m retail customers 1.2m retail & commercial customers 27
Slide 28: Q&A
Q&A 28
Slide 29: Additional information
ANZ Plus - Session 2 Additional information
Slide 30: Our strategy is to improve the financial wellbeing and sustainability of customers
“Our strategy is to In particular, we want to help customers improve the financial Save for, buy and own a liveable home wellbeing and sustainability of customers Start or buy and sustainably through excellent grow their business services, tools and Move capital and goods around the region and susta
Slide 31: ANZ FY25 priorities
ANZ FY25 priorities Maintain a purpose-led Deliver strong and Drive value culture, focus on non- sustainable financial financial risk outcomes from Suncorp Bank Remain focused on Improve platform Make ANZ Plus productivity excellence more successful 31
Slide 32: Dual Platform Future – resilient, low cost, agile
Dual Platform Future – resilient, low cost, agile ANZ Plus ANZ Transactive Global Contemporary digital platform with features designed to Secure, configurable platform offering seamless access to core banking services help customers improve their financial wellbeing such as Cash Mgt, FX, Trade Finan
Slide 33: Progress of ANZ Plus
The bank we’re building: ANZ Plus ANZ Plus - rapidly launching new features and propositions Foundation Build Rapid Expansion Future Ready Increased investment on engaging propositions and Engaging customers financial wellbeing features at scale ANZ Plus Flex Saver Progress of ANZ Plus (Oct 24) Mana
Slide 34: ANZ Plus: Growing customers, deepening engagement, delivering value
ANZ Plus: Growing customers, deepening engagement, delivering value More attractive More engaging More efficient More secure (Greater propensity to join) (Higher customer lifetime value) (Faster to deploy, lower cost to (More resilient systems & onboard, serve & engage) services) 848k Main bank cust
Slide 35: Seeing other banks? View your accounts in the ANZ Plus app.
ANZ My Accounts Seeing other banks? View your accounts in the ANZ Plus app. My Accounts lets you add and view your eligible accounts from other banks in the ANZ Plus app.1 1. Only eligible accounts shown. Amounts shown may not reflect your personal situation or money available to 35 spend. See ANZ P
Slide 36: Financial Summary Full Year 2024 - Banking
Financial Summary Full Year 2024 - Banking1 excluding Suncorp Bank FY24, $m Australia Australia New Zealand Institutional Pacific Retail Commercial Division (NZD) (ex Markets) $ % of Banking $ % of Banking $ % of Banking $ % of Banking $ % of Banking Total income 5,887 32% 3,506 19% 3,841 21% 4,705
Slide 37: Shareholder centre and investor relations contacts
Shareholder centre and investor relations contacts Group Investor Relations Retail investors Debt investors Jill Campbell Cameron Davis Pavita Sivakumar Michelle Weerakoon David Goode Group General Manager Executive Manager Senior Manager Manager Head of Investor Relations Investor Relations Investo
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