DOCSLIB.ORG

Offering Memorandum ANZ National Bank Limited

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Offering Memorandum ANZ National Bank Limited Offering Memorandum ANZ National Bank Limited (incorporated with limited liability in New Zealand) as Issuer and Guarantor ANZ National (Int’l) Limited (incorporated with limited liability in New Zealand) acting through its London branch as Issuer US$10,000,000,000 Medium-Term Notes Series A Notes Due One Year or More from Date of Issue Series B Notes Due from 12 Months to 60 Months from Date of Issue ANZ National Bank Limited’s obligations as Issuer or Guarantor of the Series B Notes are Guaranteed by Her Majesty the Queen in right of New Zealand ANZ National Bank Limited (“ANZ National”) and ANZ National (Int’l) Limited (“ANZNIL”), acting through its London branch (each an “Issuer” and together, the “Issuers”), subject to compliance with all relevant laws, regulations and directives, may from time to time issue medium-term notes. Notes of ANZ National are referred to as “ANZ National Notes”, notes of ANZNIL are referred to as “ANZNIL Notes” and ANZ National Notes and ANZNIL Notes are collectively referred to as “Notes”. Notes may be issued as Series A Notes, which are due one year or more from date of issue, or as Series B Notes, which are due from 12 months to 60 months from date of issue. Series B Notes will have the benefit, directly in the case of ANZ National Notes and indirectly in the case of ANZNIL Notes, of the Crown Wholesale Funding Guarantee, dated December 23, 2008 and Supplemental Deed to the Crown Wholesale Funding Guarantee, dated February 19, 2009 (collectively, the “Crown Guarantee”) executed on behalf of Her Majesty the Queen in right of New Zealand acting by and through the Minister of Finance (the “Crown”) if a Guarantee Eligibility Certificate (as defined in the Crown Guarantee) has been issued in respect of such Notes (such Notes being referred to in this Offering Memorandum as “Crown Guaranteed Notes”). The payment of all amounts due in respect of any ANZNIL Notes will be unconditionally and irrevocably guaranteed by ANZ National (the “Guarantee”). In respect of Crown Guaranteed Notes, the Crown has irrevocably guaranteed all amounts of principal and interest (excluding penalty interest or other amounts only payable following a default) that are not paid on the dates originally scheduled for payment by ANZ National, as issuer of ANZ National Notes or as guarantor of ANZNIL Notes. Other than as set forth in the preceding sentences, the Notes are not guaranteed by any person, including our ultimate parent Australia and New Zealand Banking Group Limited. The Crown Guarantee was executed by the Crown in connection with the Crown Wholesale Funding Guarantee Facility (the “Scheme”). A description of the Scheme, including a list of approved institutions, is available at www.treasury.govt.nz/economy/guarantee/wholesale. The contents of this website do not form part of this Offering Memorandum. Certain other information about the Crown is incorporated herein by reference from the Crown’s publicly available filings with the United States Securities and Exchange Commission. See “Description of the Crown” on page 115 of this Offering Memorandum. References to this Offering Memorandum include all information incorporated by reference herein. ANZ National and ANZNIL confirm that information relating to the Crown has been accurately reproduced from the information provided to them by the Crown and as far as ANZ National and ANZNIL are aware and are able to ascertain, no facts have been omitted which would render the reproduced information inaccurate or misleading. Neither ANZ National nor ANZNIL make any other representation or warranty to, or accept any responsibility for, the accuracy or completeness of the information relating to the Crown. By receiving this Offering Memorandum, you acknowledge that none of ANZ National, ANZNIL, any of the Agents or any of their respective affiliates has assumed any responsibility for any of the information relating to the Crown. MELBOURNE:65384.14 The following terms may apply to the Notes: • Mature one year or more from the date of issue; • May be subject to redemption at the Issuer’s option or require repurchase at your option; • A fixed interest rate, which may be zero if Notes are issued at a discount from the principal amount due at maturity, or a floating interest rate, or both fixed and floating rate; • Floating interest rates may include: • Australian Bank Bill Rate • CD Rate • CMT Rate • Commercial Paper Rate • Eleventh District Cost of Funds Rate • EURIBOR • Federal Funds Rate • LIBOR • New Zealand Bank Bill Rate • Prime Rate • Treasury Rate • Book-entry only form; and • Minimum denomination of US$100,000, and integral multiples of US$1,000 (or the equivalent thereof in another currency or composite currency). The final terms of each Note, including terms that may not be contemplated herein, will be specified in the Final Terms (as defined herein). For more information, see “Description of the Notes and the Guarantee”. Investing in the Notes involves risks. See “Risk Factors” beginning on page 24 of this Offering Memorandum. Each initial and subsequent purchaser of the Notes offered hereby in making its purchase will be deemed to have made certain acknowledgements, representations and agreements intended to restrict the resale or other transfer of such Notes and may in certain circumstances be required to provide confirmation of compliance with such resale or other transfer restrictions below and as set forth in “Notice to Purchasers” and “Plan of Distribution”. The Notes, the Guarantee and the Crown Guarantee are being offered and sold without registration under the United States Securities Act of 1933, as amended (the “Securities Act”): (A) to “qualified institutional buyers” (“QIBs”) as defined in Rule 144A under the Securities Act (“Rule 144A”) in reliance upon the exemptions provided by Section 4(2) of the Securities Act and Rule 144A and Regulation D promulgated thereunder and (B) to certain persons in reliance upon Regulation S under the Securities Act (“Regulation S”). Prospective purchasers are hereby notified that the seller of the Notes may be relying on an exemption from the provisions of Section 5 of the Securities Act provided by Rule 144A. For a description of certain restrictions on resales and transfers, see “Notice to Purchasers” and “Plan of Distribution”. The Notes are not protected accounts or deposit liabilities of the Issuers and, except as expressly stated in this Offering Memorandum, are not insured or guaranteed by (1) the Crown or any governmental agency of New Zealand, (2) the United States of America, the Federal Deposit Insurance Corporation or any other governmental agency of the United States or (3) the government or any government agency of any other jurisdiction. Application has been made to the Financial Services Authority (the “UK Listing Authority”) in its capacity as competent authority under the Financial Services and Markets Act 2000 (the “FSMA”) for Notes issued within the period of 12 months from the date of this Offering Memorandum to be admitted to the official list of the UK Listing Authority (the “Official List”) and to the London Stock Exchange plc (the “London Stock Exchange”) for such Notes to be admitted to trading on the London Stock Exchange’s Regulated Market. In this Offering Memorandum, references to Notes being “listed” will mean that such Notes have been admitted to the Official List and have been admitted to trading on the London Stock Exchange’s Regulated Market. The London Stock Exchange’s Regulated Market is a “regulated market”, as defined in Article 1(13) of Directive 2004/39/EC (the “Markets in Financial Instruments Directive”). The Notes will be issued in registered, book-entry only form and will be eligible for clearance through the facilities of The Depository Trust Company (“DTC”) and its participants, including Euroclear Bank S.A./N.V. (“Euroclear”) and Clearstream Banking, société anonyme (“Clearstream, Luxembourg”). MELBOURNE:65384.14 Notice of the aggregate nominal amount of Notes, interest (if any) payable in respect of Notes, the issue price of Notes and any other terms and conditions not contained herein which are applicable to a particular issuance of Notes (each, a “Tranche”) will be set out in the relevant Final Terms relating to such Notes which, with respect to Notes to be listed on the London Stock Exchange, will be delivered to the UK Listing Authority and the London Stock Exchange on or before the date of issuance of the Notes of such Tranche. The Notes may be listed or admitted to trading, as the case may be, on such other or further stock exchanges or markets as may be agreed between the relevant Issuer and Agent. The relevant Issuer may also issue unlisted Notes and/or Notes not admitted to trading or quotation on any market. In the case of any Notes which are to be admitted to trading on a regulated market within the European Economic Area or offered to the public in a Member State of the European Economic Area (each a “Member State”) in circumstances which would otherwise require the publication of a prospectus under Article 5.4 of Directive 2003/71/EC (the “Prospectus Directive”), the minimum denomination at the issue date shall be no less than €50,000 (or its equivalent in any other currency as at the date of issue of the Notes). Arranger and Lead Agent J.P. Morgan Agents ANZ Securities, Inc. Citi HSBC BofA Merrill Lynch Deutsche Bank Securities Morgan Stanley Barclays Capital Goldman, Sachs & Co. Wells Fargo Securities July 28, 2009 MELBOURNE:65384.14 Table of Contents Page Page Notice to Purchasers .................................................. i Overview of the New Zealand Banking Industry..... 131 Notice to New Hampshire Residents........................ iii Management ............................................................... 133 Available Information ............................................... iv Regulation and Supervision....................................... 138 Certain Defined Terms .............................................
Load more

Recommended publications
  • Australia and New Zealand Banking Group Limited ANZ National Bank
    Level: 3 – From: 3 – Tuesday, July 21, 2009 – 08:22 – eprint6 – 4135 Intro Australia and New Zealand Banking Group Limited Australian Business Number 11 005 357 522 (Incorporated with limited liability in Australia and registered in the State of Victoria) as Issuer ANZ National Bank Limited (incorporated with limited liability in New Zealand) as Issuer and Guarantor of Notes issued by ANZ National (Int’l) Limited ANZ National (Int’l) Limited (incorporated with limited liability in New Zealand) as Issuer US$60,000,000,000 Euro Medium Term Note Programme Under the Euro Medium Term Note Programme described in this Base Prospectus (the “Programme”), Australia and New Zealand Banking Group Limited (“ANZBGL”), ANZ National Bank Limited (“ANZNBL”) and ANZ National (Int’l) Limited (“ANZNIL”) (each an “Issuer” and together the “Issuers”), subject to compliance with all relevant laws, regulations and directives, may from time to time issue euro medium term notes (the ‘’Notes”). The payment of all amounts due in respect of any Notes issued by ANZNIL will be unconditionally and irrevocably guaranteed by ANZNBL (the “Guarantor”). The Notes issued by ANZNBL or ANZNIL are not guaranteed by ANZBGL. Unsubordinated Notes (as defined below) issued by ANZBGL may have the benefit of a guarantee provided by the Commonwealth of Australia (the “Commonwealth”, and such Notes being “Commonwealth Guaranteed Notes”). Notes issued by ANZNBL or ANZNIL may have the benefit of a guarantee provided by Her Majesty the Queen in right of New Zealand acting by and through the Minister of Finance (the “Crown”, and such Notes being “Crown Guaranteed Notes“).
    [Show full text]
  • 2010 Annual Report
    ANZ 2010 ANZ AnnualReport 2010 YOUR ANZ YOUR WORLD ANNUAL REPORT 2010 We live in your world Cover: James Riley, Relationship Manager and Jenny Fan, Assistant Manager, Business Banking, Melbourne, Australia BUILDING A BANK OF GLOBAL QUALITY WITH A REGIONAL FOCUS Almost three years ago ANZ took a decision to change. We set an aspiration to become a super regional bank – a bank of global quality with clear strategy to focus on growth in Asia Pacifi c, one of the world’s fastest growing regions. We had strong franchise in retail, commercial and institutional banking Together, our franchise, our clear strategy and the actions we have in our home markets of Australia and New Zealand and an existing but taken to change have uniquely positioned us to ride the wave of under developed presence in Asia dating back more than 30 years. growth in the region and to create value for our customers and for Our aspiration and the foundation we had to build on played perfectly our shareholders. into the growing economic, trade, educational and cultural linkages Today, ANZ is the only Australian bank with a clearly articulated between Australia, New Zealand and Asia Pacifi c. strategy to take advantage of Australia and New Zealand’s With our roadmap for change, ANZ remained well capitalised and geographic, business and cultural linkages with Asia, the fastest profi table through a time of great turmoil in global markets. This has growing region in the world. enabled us to take advantage of opportunities to grow and to make tangible progress toward becoming a leading bank in the region.
    [Show full text]
  • Right Place Right Time 2012 Annual Report
    2012 ANNUAL REPORT RIGHT PLACE RIGHT TIME OUR SUPER REGIONAL STRATEGY PUTS ANZ IN THE RIGHT PLACE AT THE RIGHT TIME OUR PEOPLE AND UNIQUE STRATEGY ARE THE KEYS TO OUR SUCCESS ANZ IS EXECUTING A FOCUSED STRATEGY TO BUILD THE BEST CONNECTED, MOST RESPECTED BANK ACROSS THE ASIA PACIFIC REGION. WHO WE ARE AND HOW WE OPERATE ANZ’s history of expansion and growth stretches over 175 years. We have a strong franchise in Retail, Commercial and Institutional banking in our home markets of Australia and New Zealand and we have been operating in Asia Paci c for more than 30 years. Today, ANZ operates in 32 markets globally. We are the third largest bank in Australia, the largest banking group in New Zealand and the Paci c, and among the top 20 banks in the world. Res pon P nd for si u OUR SUPER a ou bl r n ed k r c e p o t an pe u gr i ec b op st o o REGIONAL STRATEGY s n d n le om w i n te io a th s o c eg n e V c e r d rs a e t p r c , n s s u o sh d » Strengthening our business in e e o m b r s a p t s m r r e s o e o Australia, New Zealand and the r u h s h o n T c o p m a i t ld e Paci c, while establishing a signi cant ie r e i s r t s y presence in key markets in Asia.
    [Show full text]
  • 2017 Annual Report Anz 2017 Annual Report
    2017 ANNUAL REPORT ANZ 2017 ANNUAL REPORT WE WANT OUR CUSTOMERS TO VALUE US AND THE COMMUNITY TO TRUST US. FOR THIS TO HAPPEN WE KNOW THAT THINGS NEED TO CHANGE AT ANZ. Cover story — Latrobe Valley Bus Lines Rhonda Renwick and her dedicated team at Latrobe Valley Bus Lines are rolling out new buses that are at the leading edge of transport technology in Australia. Since 2015 Latrobe Valley Bus Lines has been investing in low emission technologies which improve the efficiency and environmental impact of its buses. The newest vehicles in the fleet have been designed to dramatically reduce particulate emissions in the atmosphere. Latrobe Valley Bus Lines has been trialling new hybrid technology and will introduce eight new hybrid vehicles into the fleet over Rhonda Renwick, Managing Director the next three years. As the company focuses on its mission of helping the community, and providing the highest quality and safest service for its We are proud to be supporting a business like Latrobe Valley customers and employees, it has benefitted from its long-term Bus Lines — a Certified B Corporation — which shares our relationship with ANZ. commitment to helping communities thrive. It supports local manufacturing, is dedicated to fostering an inclusive “ANZ’s proactive team has a genuine understanding of our and safe workplace and promotes a number of grassroots business goals, providing flexibility along with competitive community organisations. banking options,” Rhonda explains. CONTENTS Our 2017 Reporting Suite 3 Our Approach to Risk Management 34 2017 Highlights 4 Remuneration Report 36 Chairman's Message 6 Directors' Report 62 CEO's Message 8 Auditor’s Independence Declaration 64 About our Business 10 Financial Report 65 Our Strategy 12 Shareholder Information 161 Our Performance 14 Glossary 169 Governance 24 Contacts 171 2 OUR 2017 REPORTING SUITE OUR 2017 REPORTING SUITE Stakeholder expectations of corporate reporting are changing and Our Corporate Governance Statement which discloses the we need to respond.
    [Show full text]
  • 2019 Annual Report Australia and New Zealand Bank (China) Company Limited
    2019 Annual Report Australia and New Zealand Bank (China) Company Limited Table of Contents I. Company Profile and Milestones in 2019 -------------------------------------- 1 II. Basic Information of the Company -------------------------------------------- 2 III. Summary of Financial Statements ----------------------------------------------- 3 IV. Risk Management ---------------------------------------------------------------- 4 V. Services for Small & Micro Enterprises --------------------------------------- 16 VI. Corporate Governance ---------------------------------------------------------- 17 VII. Equity Information Disclosure ----------------------------------------- 19 VIII. Remuneration -------------------------------------------------------------------- 24 IX. Corporate Social Responsibility --------------------------------------------------28 X. Significant Matters -------------------------------------------------------------- 29 XI. Financial Statements ------------------------------------------------------------ 30 XII. Network and Contact ------------------------------------------------------------ 31 I． Company Profile & Milestones in 2019 Opened in October 2010, Australia and New Zealand Bank (China) Company Limited (“ANZ China” or the “Bank”) is a wholly owned subsidiary by Australia and New Zealand Banking Group Company Limited (“ANZ Group”). ANZ Group has more than 30 years’ presence in China and now is the only Australian bank locally incorporated in China. As one of the largest Australian investors, ANZ China is well-positioned
    [Show full text]
  • Research Commons at The
    http://waikato.researchgateway.ac.nz/ Research Commons at the University of Waikato Copyright Statement: The digital copy of this thesis is protected by the Copyright Act 1994 (New Zealand). The thesis may be consulted by you, provided you comply with the provisions of the Act and the following conditions of use: Any use you make of these documents or images must be for research or private study purposes only, and you may not make them available to any other person. Authors control the copyright of their thesis. You will recognise the author’s right to be identified as the author of the thesis, and due acknowledgement will be made to the author where appropriate. You will obtain the author’s permission before publishing any material from the thesis. Credit Loss Dynamics in Australasian Banking A thesis submitted in partial fulfilment of the requirements for the degree of Doctor of Philosophy at the University of Waikato by Kurt Hess Department of Economics University of Waikato Management School 2008 [email protected] Date: 10 April 2008 i Abstract The purpose of this thesis is to analyze the drivers and dynamics of credit losses in Australasian banking over an extended period of time in order to improve the means by which financial institutions manage their credit risks and regulatory bodies safeguard the stability and integrity of the financial system. The analysis is based on a specially constructed data base of credit loss and provisioning data retrieved from original financial reports published by Australian and New Zealand banks. The observation period covers 1980 to 2005, starting at the time when such information was published for the first time in bank financial statements.
    [Show full text]
  • ANZ 2020 Annual Report
    9 November 2020 Market Announcements Office ASX Limited Level 4 20 Bridge Street SYDNEY NSW 2000 ANZ 2020 Annual Report Australia and New Zealand Banking Group Limited (ANZ) today released its 2020 Annual Report. It has been approved for distribution by ANZ’s Board of Directors. Yours faithfully Simon Pordage Company Secretary Australia and New Zealand Banking Group Limited For personal use only Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ANZ Centre Melbourne, Level 9A, 833 Collins Street, Docklands VIC 3008 For personal use only 2020 ANNUAL REPORT Overview How we Performance Remuneration Directors’ Financial Shareholder create value overview report report report information CUSTOMER STORY ADAPTING Growing business An ANZ customer for more than 50 years, fellahamilton has been during a crisis in the business of Australian women’s fashion since the early 1970s. Today, the company is managed by David Hamilton (son of the eponymous founder) and his wife, Sharon Hamilton, CEO. When the COVID-19 pandemic first hit Australia in March, times were challenging. Within the first few weeks of lockdowns, dentists and hospitals. We’ve hired back they had to let go of employees at their all of our staff and have never been busier,” Moorabbin factory and retail stores says Sharon. nationally were shut. David credits the move into making PPE However, shortly after, a doctor friend of to his wife’s optimistic nature and tendency Sharon’s asked her to make a scrub set, as to ‘think outside the box’. there was a limited supply of Personal “Changing direction wasn’t easy,” says David.
    [Show full text]
  • 1996 Annual Report
    ANZ has branches or representative Limited Zealand Banking Group Australia and New offices in 43 countries: AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED Australia New Zealand Argentina Bahrain Bangladesh Brazil Chile China Cook Islands Fiji France Germany Greece Guernsey Hong Kong India Indonesia 1996 Annual 1996 Annual Report Iran Japan Jersey Jordan Korea Malaysia 1996 Annual Report Mexico Nepal Oman Pakistan Papua New Guinea Philippines Qatar Singapore Solomon Islands Sri Lanka Switzerland Taiwan Thailand Tonga United Arab Emirates United Kingdom United States of America Vanuatu Australia and New Zealand Banking Group Limited ACN 005 357 522 Vietnam Registered Office: Level 2, 100 Queen Street, Melbourne, Victoria 3000, Australia. Western Samoa Telephone: (03) 9273 6141 Facsimile: (03) 9273 6142 Key Dates CONTENTS SHAREHOLDER INFORMATION ANZ at a Glance ......................................................... 2 Dividends Brief overview of the Group, Australia, Books close for The final dividend of 24 cents per share will be paid New Zealand and International operations on 15 January 1997 bringing the full year dividend to Annual General Meeting Final Dividend 42 cents per share. The interim dividend paid in July The Annual General Meeting Chairman’s Report ...................................................... 4 1996 was 50% franked and the final dividend is fully will be held at the Savoy Ballroom, 13 December 1996 “good profit outcome for shareholders” franked at 36% for Australian taxation purposes. Dividends may be paid directly to a bank account in Grand Hyatt Melbourne, Chief Executive Officer’s Review............................ 6 Australia, New Zealand or United Kingdom. 123 Collins Street, Melbourne Annual General “change initiatives are the key task” Shareholders who want their dividends paid this way on Wednesday, 15 January 1997.
    [Show full text]
  • Billabong International Limited ANZ Gives This Notice of Change in Interest
    11 August 2006 Company Announcements Australian Stock Exchange Level 10 20 Bond Street SYDNEY NSW 2000 Notice of change in interest of substantial holder- Billabong International Limited ANZ gives this notice of change in interest of substantial holding in respect of Billabong International Limited. Yours faithfully John Priestley Company Secretary Form 604 Corporations Act 2001 Section 671B Notice of change in interests of substantial holder Billabong International Limited (the "Entity") To Company Name ACN/ABN 084 923 946 1. Details of substantial holder Name Australia and New Zealand Banking Group Limited (ANZ) ACN/ABN (if applicable) 11 005 357 522 There was a change in the interests of the substantial holder on 04 August 2006. The previous notice was given to the company on 7 September 2005. The previous notice was dated 7 September 2005. This notice is given by ANZ on behalf of itself and each of the related bodies corporate of ANZ (“ANZ Subsidiaries”) specified in the list of 7 pages annexed to this notice and marked Annexure ‘A’. 2. Previous and present voting power The total number of votes attached to all the voting shares in the company or voting interests in the scheme that the substantial holder or an associate had a relevant interest in when last required, and when now required, to give a substantial holding notice to the company or scheme, are as follows: Class of securities Previous notice Present notice Person's votes Voting power % Person's votes Voting power % Ordinary Fully Paid Shares 10,345,525 5.01 12,630,204 6.10 3.
    [Show full text]
  • For Personal Use Only Use Personal For
    Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Full Year 30 September 2016 Consolidated Financial Report Dividend Announcement and Appendix 4E The Consolidated Financial Report and Dividend Announcement contains information required by Appendix 4E of the Australian Securities Exchange (ASX) Listing Rules. It should be read in conjunction with ANZ’s 2016 Annual Report, and is lodged with the ASX under listing rule 4.3A. For personal use only RESULTS FOR ANNOUNCEMENT TO THE MARKET APPENDIX 4E Name of Company: Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Report for the year ended 30 September 2016 1 Operating Results AUD million Operating income -3% to 20,529 Net statutory profit attributable to shareholders -24% to 5,709 Cash profit2 -18% to 5,889 3 Dividends Cents Franked 4 per amount share per share Proposed final dividend 80 100% Interim dividend 80 100% Record date for determining entitlements to the proposed 2016 final dividend 15 November 2016 Payment date for the proposed 2016 final dividend 16 December 2016 Dividend Reinvestment Plan and Bonus Option Plan Australia and New Zealand Banking Group Limited (ANZ) has a Dividend Reinvestment Plan (DRP) and a Bonus Option Plan (BOP) that will operate in respect of the 2016 final dividend. For the 2016 final dividend, ANZ intends to provide shares under the DRP and BOP through the issue of new shares. The 'Acquisition Price' to be used in determining the number of shares to be provided under the DRP and BOP will be calculated by reference to the arithmetic average of the daily volume weighted average sale price of all fully paid ANZ ordinary shares sold in the ordinary course of trading on the ASX during the ten trading days commencing on 18 November 2016, and then rounded to the nearest whole cent.
    [Show full text]
  • Australia and New Zealand Banking Group Limited – New Zealand Branch Supplemental Disclosure Statement
    Australia and New Zealand Banking Group Limited – New Zealand Branch Supplemental Disclosure Statement FOR THE THREE MONTHS ENDED 31 DECEMBER 2009 | NUMBER 5 ISSUED FEBRUARY 2010 For personal use only SHAPING OUR FUTURE 2009 ANNUAL REPORT For personal use only 1 Annual Report Contents Chairman’s Report 2 Notes to the Financial Statements (continued) Chief Executive O cer’s Report 4 15 Impaired Financial Assets 105 Chief Financial O cer’s Report 6 16 Provision for Credit Impairment 105 Ten Year Summary 16 17 Shares in Controlled Entities, Associates Directors’ Report 18 and Joint Venture Entities 108 18 Tax Assets 109 Principal Activities 18 Result 18 19 Goodwill and Other Intangible Assets 110 State of A airs 18 20 Other Assets 111 Dividends 18 21 Premises and Equipment 111 Review of Operations 18 22 Deposits and Other Borrowings 113 Events since the end of the Financial Year 19 23 Income Tax Liabilities 113 Future Developments 19 24 Payables and Other Liabilities 114 Environmental Regulation 19 25 Provisions 114 Directors’ Quali cations, Experience and Special Responsibilities 20 26 Bonds and Notes 115 Company Secretaries’ Quali cations and Experience 20 27 Loan Capital 116 Non-Audit Services 20 28 Share Capital 119 Lead Auditor’s Independence Declaration 21 29 Reserves and Retained Earnings 121 Directors and O cers who were previously partners 30 Minority Interests 122 of the Auditor 21 31 Capital Management 122 Chief Executive O cer/Chief Financial O cer Declaration 21 32 Assets Charged as Security for Liabilities and Directors’ And
    [Show full text]
  • 9 November 2020 Market Announcements Office ASX Limited Level 4 20 Bridge Street SYDNEY NSW 2000 ANZ 2020 Annual Report Australi
    9 November 2020 Market Announcements Office ASX Limited Level 4 20 Bridge Street SYDNEY NSW 2000 ANZ 2020 Annual Report Australia and New Zealand Banking Group Limited (ANZ) today released its 2020 Annual Report. It has been approved for distribution by ANZ’s Board of Directors. Yours faithfully Simon Pordage Company Secretary Australia and New Zealand Banking Group Limited Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ANZ Centre Melbourne, Level 9A, 833 Collins Street, Docklands VIC 3008 2020 ANNUAL REPORT Overview How we Performance Remuneration Directors’ Financial Shareholder create value overview report report report information CUSTOMER STORY ADAPTING Growing business An ANZ customer for more than 50 years, fellahamilton has been during a crisis in the business of Australian women’s fashion since the early 1970s. Today, the company is managed by David Hamilton (son of the eponymous founder) and his wife, Sharon Hamilton, CEO. When the COVID-19 pandemic first hit Australia in March, times were challenging. Within the first few weeks of lockdowns, dentists and hospitals. We’ve hired back they had to let go of employees at their all of our staff and have never been busier,” Moorabbin factory and retail stores says Sharon. nationally were shut. David credits the move into making PPE However, shortly after, a doctor friend of to his wife’s optimistic nature and tendency Sharon’s asked her to make a scrub set, as to ‘think outside the box’. there was a limited supply of Personal “Changing direction wasn’t easy,” says David. Protective Equipment (PPE). “It needed us to have intestinal fortitude and Sharon recalls the moment demand for complete dedication to what we thought their washable, hospital-grade PPE started was the right move for our business.” snowballing and a new direction for the “The road ahead is going to be tough.
    [Show full text]