ANZ Technology Update
Charting a Super Regional Direction

Anne Weatherston
Chief Information Officer
Graham Hodges
Deputy Chief Executive Officer

15 July 2011

Agenda• Strategy drives structure
Graham Hodges, Deputy Chief Executive Officer• ANZ’s Super Regional Technology roadmap
Anne Weatherston, Chief Information Officer• Technology Demonstration

1

A coherent strategy driving competitive advantage• ANZ’s Super Regional Strategy to deliver

differentiated returns:
 Higher growth Asia vs domestic
 Supporting customers through regional
connectivity
 Access to savings pools
 Enhancing strong domestic franchises in Australia
and New Zealand• Capturing trade and capital flows: To Asia
 Within Asia
 From Asia

• As a Super Regional bank, ANZ’s requirements

and priorities are different to ‘domestic centric’banks

2

Our strategy has shaped organisational structure
Super Regional Strategy
Customer Segments
RetailWealthCommercial

Corporate

Institutional

Operating Model
Regional/Global Focus
Multi Domestic Focus
Defined customer propositions
Retail & Wealth Proposition

Commercial Proposition

Corporate & Institutional Proposition• Easiest and most empowering bank
• Deliver market leading tailoredpropositions for target segments• Differentiate through customer service
and insight• Easy to do business across the region• Best global bank for clients dependent
on trade and capital flows in the Asia
Pacific region

Growth Segments

Growth Segments

Growth Segments• Retail - Affluent, migrant, ageing, newto bank customers, young money• Wealth - Insurance, investments andsuperannuation to retail clients, HNW,retirees, employers and advisors• Small business• Business banking• Agri-business• Focus on trading businesses3• Natural Resources• Infrastructure• Agriculture• Financial institutions• Corporate Banking; MNCs

Strategy has shifted Group orientation to more of ashared and regional focus
Implement operating models that maximise business opportunities across customer
segments and geographies and improve efficiency, customer service and revenue

SuperRegional

More

More
Global Markets
Institutional &CorporateOperations
Corporate Centre
Retail

WealthCommercial

Domestic
Only

Less

More

Business SpecificShared / Standardised4

Technology has been focused on four key priorities overthe past 18 months

Facilitated transition from domestic to Super Regional Bank

Kept technology in step with Super Regional growthAddressed technology skill gaps for a Super Regional bank

Defined technology strategy to 20175

In 2007 ANZ set a strategy for the business and an
aspiration for technology to 2012
Core Capabilities 2007Deliverables• Technology is critical enabler

Customer Centric

Institutional

Sales & Marketing FocusedConsumer• ANZ to become clear leader inTechnology Based

New Zealand• Move to single system to drive

Performance Driven

Asia Pacific• Built out an organic network

6of cash management andmarkets

online and sales tools

operational efficiencies

and integrated acquisitions

Technology initiatives focused on enhancing customer
experience and addressing immediate and future needs• Upgraded mainframe and tandem platforms• State of the art data centres in Australia, New
Addressing
Current
Growth Needs

Enhancing
CustomerExperience••

Zealand and Asia
Virtualisation to improve agility, flexibility andavailability
Asia organic network expansion; integration ofRBS Asian assets in six markets

ANZ goMoney
Mobile Banking
Application• Internet banking upgrade, more ATM’s• ANZ GoMoney mobile banking application• Mortgage Platform automation• ANZ Transactive: Integrated cash managementroll-out

Reshapingtechnology todeliver SuperRegional• Creating a new single professional services

capability for ANZ, across the region• Realigned technology resources to specificsegments and into competency centres• Align delivery service centres around key skill
sets to support future technology requirements

7Represents 26% of
all online trafficTechnology function and businesses aligned to the nextstage of ANZ’s transformation
Key Technology Principles

Business & IT benefits• Organised and aligned to provide cross1

Connectivity

regional customer services; consumerand corporate

2

Customer Centricity• A “joined up” ANZ customer experience• Real time business analytics; measuring
3Information Basedbusiness performance• Multi-regional regulatory requirements
facilitated• Component and modular focused4architecture, enabling re-use, flexibility,

Integration & Standardisation

scalability and stability

8Our new functional architecture reflects the key
requirements for supporting a Super Regional bank

Global Payments Utility
Global Services & Operations
Common Security Services
Group Wide Business Integration
Corporate Centre
Global Customer Enterprise Data
Business Reporting & Analytics (Risk, Finance, Customer)
Enterprise Resource Planning

9Risk & Analytics

Business Integration
Product ManufacturingBusiness Integration

Payments

Business Integration

Operations

Business Integration

Risk & Analytics

Business Integration

Product Manufacturing

Customer Services

Payments

Customer Services

Operations

Customer Services

Risk & Analytics

Customer Services

Product Manufacturing

Customer Services

Payments

Channels & Security

Operations

Channels & Security

Risk & Analytics

Channels & Security

Product Manufacturing

Channels & Security

Payments

Channels & Security

Operations

Pacific

Risk & Analytics

Retail Asia

Product Manufacturing

NZ Domestic

Payments

Australia Domestic

Operations

Global Institutional

Connectivity – customer experience designed toprovide seamless connection across multiple countriesGlobal Institutional

Australia Domestic

NZ Domestic

Retail Asia

Pacific

Channels & Security

Channels & Security

Channels & Security

Channels & Security

Channels & Security

Risk & Analytics

Product Manuf acturing

Payments

Operations

Risk & Analytics

Product Manuf acturing

Payments

Operations

Risk & Analytics

Product Manuf acturing

Payments

Operations

Risk & Analytics

Product Manuf acturing

Payments

Operations

Customer Services
Business Integration

Risk & Analytics

Customer Services
Business Integration

Product Manuf acturing

Customer Services
Business Integration

Payments

Customer Services
Business Integration

Operations

Customer Services
Business Integration

Global Payments UtilityGlobal Services & Operations
Common Security Services
Group Wide Business Integration
Corporate Centre
Global Customer Enterprise Data

• Connectivity is central to achieving
the Super Regional outcome• Pursuing global and standardised
infrastructure platforms cognisantof regulatory demands• We will extend business services
that allow our customers totransact across the region e.g. ANZTransactive for corporates; accountopening for consumers• Immediate effect of all credits
and debits from all sources inAustralia & NZ. Objective is toenable this in all countries as wellas cross border

Business Reporting & Analytics (Risk, Finance, Customer)
Enterprise Resource Planning

Technical Notes• Super Regional Network partnership• Access Control processes – Oracle Identity Management (internaland external)• Business & Technology Integration of technical services through toour customer and staff facing applications

10Customer Centricity – deeper understanding, better
insights, improved customer experience, lower risk
Channels & Security

Risk & Analytics

Product Manufacturing

Payments

Operations

Risk & Analytics

Product Manufacturing

Payments

Operations

Risk & Analytics

Product Manufacturing

Payments

Operations

Customer Services
Business Integration

Risk & AnalyticsCustomer Services
Business Integration

Product Manufacturing

Customer Services
Business Integration

Payments

Customer Services
Business Integration

Operations• Our customers will be at the centreof the new architecture for Super
Customer Services
Business Integration
Regional
Pacific

Channels & Security

Global Payments Utility

Global Services & Operations

Risk & Analytics

Retail Asia

Channels & Security

Product Manufacturing

NZ Domestic

Channels & Security

Payments

Australia Domestic

Channels & Security

Operations

Global Institutional• We have defined our desiredcustomer experience which will beenabled through:• A single customer view held in acustomer registry• A simplification & standardisationof our customer services
specifically customer on-boarding,e.g single ID for customer
authentication; customer portal

Common Security Services

Group Wide Business Integration
Corporate Centre
Global Customer Enterprise Data
Business Reporting & Analytics (Risk, Finance, Customer)
Enterprise Resource Planning

Technical Notes• Recognising the diverse history in our franchises, we are taking
a federated customer approach• Supported by global customer matching with IBM Information
Server11

Standardised systems and components with anemphasis on scalability, re-use and productivity
Global Institutional

Australia Domestic

NZ Domestic

Retail Asia

Pacific

Channels & Security

Channels & Security

Channels & Security

Channels & Security

Channels & Security

Risk & Analytics

Product Manuf acturing

Payments

Operations

Risk & Analytics

Product Manuf acturing

Payments

Operations

Risk & Analytics

Product Manuf acturing

Payments

Operations

Risk & Analytics

Product Manuf acturing

Payments

Operations

Customer Services
Business Integration

Risk & Analytics

Customer Services
Business Integration

Product Manuf acturing

Customer Services
Business Integration

Payments

Customer Services
Business Integration

Operations

Customer Services
Business Integration• We will implement and architect tosingle global and Super Regional
outcomes for our customers andbusinesses the following keyplatforms:• Corporate Centre Services:
Finance, HR and Risk
• Markets platforms specifically
capital markets, commodities,rates trading and FX

Global Payments Utility
Global Services & Operations
Common Security Services
Group Wide Business Integration
Corporate Centre
Global Customer Enterprise Data

Business Reporting & Analytics (Risk, Finance, Customer)
Enterprise Resource Planning

Technical Notes• Modular architecture applying a component based approach• We will leverage our existing Oracle PeopleSoft ERP platform
and continue to add and take upgrades• Cohesive Markets implementation roadmap actively underwaywith a selection of industry leading products• Global Payments Utility - expanding our existing strategic
applications

12• Payments: processing platforms
for bulk, high value, international& cards switching and a common
approach to channel and coreintegration• Data & Analytics: common andconsistent approach to data
management with integrated
analytics and reporting capabilities

A coherent strategy charting a Super Regional direction• Technology is supporting ANZ’s Super Regional aspiration to2017• Helping extend our domestic key strengths into the Asia Pacificregion• Modular systems and processes are enabling a Super Regionalstrategy• The customer is at the centre of every technology decision

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