ANZ - 2021 Annual Report

Our 2021 reporting suite 4
2021 performance snapshot 5
Chairman's message 6
CEO's message 8
What matters most 11
About our business 12
Our strategy 12
How we create value 14
Our operating environment 16
Our customers 17
Becoming a fairer and more responsible bank 26
Our divisions 28
Our people 31
Our community 36
Improving our approach to human rights 39
Our approach to climate change 40
Governance 42
Risk management 53
Performance overview 58
Remuneration report 76
Directors' report 112
Financial report 115
KPMG assurance 254
Shareholder information 256
Glossary 265
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