Regional & Rural
Rob Goudswaard
Managing Director Regional, Rural and Small Business Banking
Wednesday, September 19 2007
Regional & Rural banking is almost a $400b market!
$250
$84
$60
Consumer
Commercial
Agri
Regional & Rural
Funds Under Management ($b)
2
Regional and Rural contributes >20% of Personal
Division’s NPAT
6
6.6
6.9
2.2
2.3
2.5
1H06
2H06
1H07
Lending
Deposits
FUM Growth ($b)
5%
9%
10%
5%
49
50
51
1H06
2H06
1H07
NPAT Growth ($m)
3%
2%
709
51
Personal Division’s NPAT
($m, 1H07)
Personal Division
Regional & Rural
3
>20%
4
Our business ranges from consumer transaction accounts
to multi-million dollar farm-gate facilities
284 Branches, 396 ATMs
19 Regions, 2400 employees
Consumer Banking
• Focus on main bank customer growth
• Branch & ATM expansion and
refurbishments promoting
“convenience, simplicity and
responsibility”
• Transaction & Savings accounts and
Mortgages the major profit drivers
• 13.7% market share
Commercial Banking
• Business Lending up to $10m
• Locally managed business relationships
• 16.8% market share
Agribusiness
• Predominantly a lending business to
grain and broadacre markets
• Increasing specialisation
• Recent periods impacted by drought,
but strong growth outlook
• 10.9% market share
Source: ANZ Customer Analytics, June 2007
Rural and Regional
Retail Branch Network
Over 750,000
customers
Australia-wide
5
Unique conditions require a specialised strategy
• Reposition front line
from generalist to
specialist segment focus
• Supported by process
transformation
Shift to a
specialised
model
• Engagement scores are
higher than ANZ Group
and Personal Division
• Leading culture values
include “customer
satisfaction” and
“community
involvement”
Build
high staff
engagement
• Blue Week
• Seeds of renewal grants
• Reconciliation Action
Plan
• Staff Volunteering
Deepen
customer &
community
connections
Maintaining strong customer
satisfaction* while supporting
the rural community
*Source: Roy Morgan Research – Aust Rural MFI Pop’n aged