ANZ Group Holdings Limited is a non-operating holding company. It operates in six divisions: Australia Retail, Australia Commercial, Institutional, New Zealand, Pacific, and Group Center. The Australia Retail division offers a range of banking services, such as home loans, deposits, credit cards and personal loans. It also offers digital and Internet banking and phone banking. The Australia Commercial division provides a full range of banking products and financial services, including asset financing, across customer segments: small business owners and medium commercial customers. The Institutional division services government, global institutional and corporate customers across Australia, New Zealand and International. The New Zealand division provides personal banking and wealth management services. The Pacific division provides retail products for traditional relationship banking. The Group center supports the operating divisions, including technology, property, and risk management.

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