ANZ Group Holdings Limited operates as a non-operational holding company overseeing its diverse operations through six distinct divisions. The Australia Retail arm offers an array of banking services, encompassing home loans, deposits, credit cards, personal loans, as well as digital and phone banking facilities. In the Australia Commercial division, a comprehensive range of banking products and financial services, including asset financing, caters specifically to small business owners and medium-sized commercial customers. The Institutional division serves various entities, including government bodies, global institutional clients, and corporate customers across Australia, New Zealand, and international markets. Meanwhile, the New Zealand division focuses on providing personal banking and wealth management services. The Pacific division concentrates on retail products tailored for traditional relationship banking. Finally, the Group Center functions as a support hub, managing crucial operational aspects such as technology, property, and risk management across all divisions within the organization.