TRANSACTION BANKING

CONNECTING YOU ACROSS THE ASIA PACIFIC REGION

anz.com/expertise

More than 50,000 employees globally5

Servicing around 10 million customers

worldwide5

AA category rating from Moody’s, Standard &

Poor’s and Fitch

50K

AA

10M

Top 6 Corporate Bank in Asia2

Top 5 listed company on the ASX, and the largest bank

in New Zealand4

One of the world’s 25 largest banks by market

capitalisation3

6

25

5

WELCOME TO ANZ

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (ANZ) BEGAN TRADING AS THE BANK OF AUSTRALASIA IN 1835. WE’VE

SINCE GROWN TO BECOME ONE OF THE WORLD’S LEADING FINANCIAL SERVICE GROUPS AND ONE OF THE WORLD’S SAFEST BANKS.1

1

1 ANZ is ranked #19 in Global Finance Magazines “Worlds 50 Safest Banks”, September 2014.2 Greenwich Associates, 2015 Asian Large Corporate Banking study.3 GICS and FTSE sector scheme data 2014.4 www.spindices.com/indices/equity/sp-asx-50. As at 30 September 2014, ANZ New Zealand was the number one bank in New Zealand by total assets. Source: KPMG FIPS Report 2014.5 ANZ Proprietary information, correct as at July 2015.

OUR TRANSACTION BANKING BUSINESS DELIVERS UNIQUE AND INNOVATIVE SOLUTIONS THAT HELP YOU MEET YOUR BUSINESS CHALLENGES With solutions ranging from basic operating accounts to regional treasury centres, ANZ provides you with the connectivity and capabilities you require across the Asia Pacific region. 

As partners, we work closely with you to optimise and protect your funds, ensuring you have the right controls and risk management strategies in place to set you up for the future.

STRONG AA BANK CREDIT RATING BACKED BY AN EVEN STRONGER HOME MARKET ADVANTAGE

2

Aus/NZ-AsiaTRADE FLOW:

US$349.5bn(5yr CAGR forecast: 12.7%)

We are one of the world’s leading financial services groups and safest banks, with a proud Australian banking heritage. Our super regional strategy is supported by 180 years of history, deep market knowledge, client insight and local engagement. We are among the highest rated banks globally having retained an ‘AA’ Band credit rating with all three major rating agencies – Standard & Poor’s, Moody’s and Fitch.

We operate in multiple geographies across the Asia Pacific region, helping you to navigate complex business and regulatory environments whilst delivering insights, services and solutions that meet the needs of your business.

Data is from a base year of 2012. Asia includes ASEAN 10, Japan, South Korea, China, Hong Kong, Taiwan and India inter-regional trade (exports and imports) of

merchandise goods. SOURCE: UNCTAD, WITS, CEIC, ANZ Research.

COMPREHENSIVE SOLUTIONS STRUCTURED TO SUIT YOUR NEEDS

5

Aus/NZ-ASEANTRADE FLOW:

US$78.7bn(5yr CAGR forecast: 12.5%)

With our insight into the Asia Pacific region, depth of understanding and breadth of industry coverage, we can help you to achieve your business goals.

Bank with ANZ and you can count on market-leading expertise from our relationship managers who provide the most effective solutions through product neutral advice. These same managers develop strategic partnerships that focus on mutually beneficial business opportunities, delivering solutions that add value and create opportunities for growth.

Data is from a base year of 2012. ASEAN 10 refers to Indonesia, Malaysia, Philippines, Singapore, Thailand, Brunei, Cambodia, Laos, Myanmar (Burma) and Vietnam for inter-regional trade (exports and imports) of merchandise goods. SOURCE: UNCTAD, WITS, CEIC, ANZ Research.

Manage working capital

Through experience and insight we’re able to identify opportunities to help you improve your working capital by releasing cash to meet your business requirements. If you want to expand operations, repay debt or increase shareholder dividends, our solutions can help you achieve your objectives and overcome core business challenges.

Increase visibility and control of your cash flow

Our digital channels and platforms allow you to access your cash, trade and markets services in a way that suits your needs. So you can be confident that you have the right information at the right time to make informed business decisions.

Optimise every dollar

Our insightful liquidity and cash management solutions can help you minimise idle balances and optimise your cash, in order to improve business performance and mitigate risk, because there’s no greater business risk than running out of cash.

Manage local and cross border trade requirements

With specialists teams on the ground in Australia, New Zealand, Asia Pacific, Europe, the Middle East and America you can expect to receive a consistent experience across the major trade corridors in which you operate.

Increase automation and efficiency

Do you require core trade facilities such as a letter of credit, a solution for end-to-end payments innovation or data reconciliation services? We can help you automate your finance and treasury processes in ways that can help you increase operating efficiencies and reduce risk.

Uncover opportunities

With over 100 years of experience and market-leading expertise in correspondent banking, we can help both financial institutions and corporates to meet the challenges of regional banking with confidence and certainty.

We’ve extended our market leading AU/NZD clearing capabilities6 to include key Asian and Pacific currencies, so we can tailor clearing solutions to facilitate international, trade and cross border transactions.

Intra/AsiaTRADE FLOW:

US$4.7trn(5yr CAGR forecast: 16.1%)

WE DELIVER THE RIGHT MIX OF END-TO-END TRANSACTION BANKING SOLUTIONS TO HELP YOU UNLOCK

THE VALUE WITHIN YOUR SUPPLY CHAIN.

6 FImetrix Bank-to-Bank Services in AUD-NZD 2010, 2012, 2014 (FImetrix is a US-based market research agency specialising in Bank-to-Bank services. The FImetrix survey is conducted every two years and is a syndicated survey evaluating the strength of relationships that AUD and NZD service providers maintain with banks globally).6

Data is from a base year of 2012. Asia includes ASEAN 10, Japan, South Korea, China, Hong Kong, Taiwan and India inter-regional trade (exports and imports) of

merchandise goods. SOURCE: UNCTAD, WITS, CEIC, ANZ Research.

Partner with the bank that connects clients to 34 markets across Australia, New Zealand, Asia, the Pacific, Europe, America and the Middle East. Markets that include direct representation among the top 20 countries responsible for 70 per cent of global trade flows.7 All so you can make decisions in your time zones, where your people are.

MANAGE YOUR TRANSACTION BANKING NEEDS ACROSS THE REGION

ANZ’S EXTENSIVE GLOBAL NETWORK

9

Asia-EuropeTRADE FLOW:

US$1.2trn(5yr CAGR forecast: 11.4%)

7 ANZ Client Insights, Research and Economics, 2015.

Data is from a base year of 2012. Asia includes ASEAN 10, Japan, South Korea, China, Hong Kong, Taiwan and India inter-regional trade (exports and imports) of merchandise goods. SOURCE: UNCTAD, WITS, CEIC, ANZ Research.

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1217

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114

EUROPE AMERICA

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Country Key Industries Population GDP growth rate

Currency Language Capital ANZ Branches

1 Australia Tourism, Agriculture, Mining and Resources 22.5M 2.8% Australian Dollar (AUD) English, Indigenous

languages Canberra 800

2 Cambodia Agriculture, Construction, Textiles 23.4M 3.7% Riel (KHR), United States Dollar (USD) Khmer Phnomh

Penh 19

3 China Smelting, Electronics, Raw Chemicals 1,335.0M 7.4% Renminbi (RMB) Mandarin Beijing

5 (plus 16,200 network extension partner branches)

4 France Automotive Manufacturing, Aircraft Production, Chemicals (specialised) 62.1M 0.3% Euro (EUR) French Paris 1- Rep office

5 Fiji Tourism, Agriculture, Manufacturing 0.9M 4.0% Fijian Dollar (FJD) Bau, Fijian Suva 15

6 GermanyAutomotive, Chemicals and Pharmaceuticals, IT and Communications

80.9M 0.5% Euro (EUR) German Berlin 1- Rep office

7 Hong Kong Textiles and Clothing, Electronics Plastics and Metals 7.1M 3.0% Hong Kong Dollar (HKD),

Renminbi (RMB) Cantonese Hong Kong 5

8 India Agriculture, Steel, Services 1,240.0M 5.6% India Rupee (INR) Hindi, English and other regional languages New Delhi 1

9 Indonesia Oil and Gas, Palm, Shipping 253.6M 5.0% Rupiah (IDR)Bahasa Indonesia and up to 500 localised dialects

Jakarta28 (plus 650 network extension partner branches)

10 Japan Motor Vehicles, Electronics, Financial Services 127.0M 1.6% Japanese Yen (YEN) Japanese Tokyo 1

Laos Mining, Hydroelectric Power, Agriculture 26.8M 7.4% Lao Kip (LAK) Lao, French, English and

other languages Vientaine 1

MalaysiaRubber and Palm Oil, Petroleum and Natural Gas, Electronics and Semi Conductors

30.1M 5.9% Malaysian Riggit (MYR)Bahasa Malaysian (official), English, Chinese, Tamil dialects

Kula Lumpur

Partnership with Ambank, ANZ stake 23.6%

Myanmar Energy, Mining, Manufacturing, Agriculture 53.2M 8.5% Burmese Kyat (BUK) Burmese Naypyidaw 1

New Zealand Agriculture, Forestry, Fishing 4.4M 3.6% New Zealand Dollar (NZD) English, Indigenous

languages Wellington 318

Papua New Guinea Mining, Agriculture, Construction 7.3M 5.0% Papua New Guinea Kina

(PGK)English, Tok Pisin, 800+ dialects

Port Moresby 15

Philippines Manufacturing, Agriculture, Business Process Outsourcing 107.6M 6.1% Philippine Peso (PHP) Tagalog, English Manila

1- Partnership with Metrocard Corporation, ANZ stake 40%

Singapore Manufacturing, Wholesale and Retail Trade, Finance and Insurance 5.6M 2.9% Singapore Dollar (SGD) English Singapore 4

South Korea Automotive, Electronics, Chemicals 49.0M 3.3% Korean Won (KRW) Korean Seoul 1

Taiwan Electronics, Automotive, Chemicals 23.4M 3.7% Taiwanese Dollar (TWD) Mandarin, Taiwanese English Taipei 14

Thailand Tourism, Textiles, Agriculture 67.7M 0.7% Thai Baht (THB) Thai, English Bangkok 1

UAE Petroleum and Petro Chemicals, Construction, Fishing, Tourism 9.34M 4.6% United Arab Emirates

Dirham (AED) Arabic Abu Dhabi 1- Rep office

Vietnam Manufacturing, Agriculture, Trade Services 93.4M 5.5% Vietnam Dong (VND),

United States Dollar (USD)Vietnamese, French, English Hanoi

10 (plus network extension partnership ANZ Branches with Saigon Securities Inc., ANZ stake 17.6%)

UK Financial Services, Aerospace Technology, Pharmaceuticals 64.1M 2.8% Pounds Stirling (GBP) English London 1- Rep office

USAAgriculture and Farming, Manufacturing, Research and Development

318.9M 1.6% United States Dollar (USD) English Washington DC 1- Rep office

KEY COUNTRY INFORMATION

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22

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11SOURCE: Publicly available information as at September 2015.

OUR CAPABILITIES

AU

ST

RA

LIA

NE

W Z

EA

LAN

D

CA

MB

OD

IA

CH

INA

HO

NG

KO

NG

IND

IA

IND

ON

ES

IA

JAPA

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SO

UT

H K

OR

EA

LAO

S

MYA

NM

AR

PH

ILIP

PIN

ES

SIN

GA

PO

RE

TAIW

AN

TH

AIL

AN

D

VIE

TN

AM

FIJ

I

PN

G

OT

HE

R P

AC

. IS

L.

UK

US

A

FR

AN

CE

GE

RM

AN

Y

MA

LAY

SIA

UA

E

RECEIVABLES Cash and Cheque Collections ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ✓ ✓ ✓ ‒ ‒

Merchant Acquiring ✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ✓ ✓ ‒ ‒

Electronic Collections ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ^

Virtual Accounts ✓ ‒ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ‒ ‒ ✓ ✓ ✓ ‒ ✓ ‒ ‒ ‒ ‒ ‒

Receivables Reconciliation Solutions ✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ‒ ‒ ‒ ^ ‒

LIQUIDITY MANAGEMENT

Transaction and Investment Accounts ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Term/Time Deposits ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒

Physical Sweeping8 ✓ ✓ ✓ ✓ ✓ ✓ ^ ‒ ‒ ‒ ✓ ✓ ✓ ‒ ‒ ✓ ‒ ‒ ‒ ‒ ‒

Notional Pooling ✓ ✓ ‒ ^ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒

Interest Optimisation9 ✓ ✓ ✓ ✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ✓ ‒ ‒ ✓ ‒ ‒ ‒ ‒ ‒

Intra Company and Client Monies Management ✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒

DIGITAL CHANNELS & PLATFORMS

Cash Management and Trade Services: facilitating payments, receivables, balance and reporting

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Client Integration Services10 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ✓ ✓ ‒ ‒ ‒

SWIFT Services and Connectivity ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ‒

PAYABLES Domestic and International Payments ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ * ‒ ‒

Payables Outsourcing Solutions11 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ‒ ‒ ‒

Bank Cheques/Drafts ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒

Corporate/Purchasing Cards ✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒

WORKING CAPITAL

Documentary Trade ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Trade Finance ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Guarantees ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Supply Chain Finance ✓ ✓ ‒ ✓ ✓ ✓ ✓ ‒ ‒ ‒ ‒ ✓ ✓ ✓ ‒ ‒ ‒ ‒ ‒ ✓ ✓

Bank Payment Obligation ✓ ‒ ‒ ✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ‒

Structured Trade Finance ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ‒ ‒ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ‒

BANK AND FINANCIAL INSTITUTION SERVICES

Clearing Services ✓ ✓ ‒ ✓ ✓ ✓ ✓ ‒ ‒ ‒ ‒ ✓ ‒ ‒ ‒ ‒ ✓ ✓ * ‒ ‒

Agency Clearing and Settlement Services

✓ ✓ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ‒ ✓ ‒ ‒ ✓ ‒ ‒ ‒ ‒ ‒

Financial Institution Trade Services ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ‒ ✓ ✓ ✓ ‒ ✓ ‒ ‒ ‒ ✓ ✓

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Important InformationThis document is distributed: in Australia, Singapore, Hong Kong, Japan, India, Philippines by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (“ANZBGL”); in New Zealand by ANZ Bank New Zealand Ltd; and in other countries by the relevant subsidiary or branch of ANZBGL, (collectively “ANZ”). The information is not a recommendation by ANZ to you to acquire any product or service, or an offer by ANZ to provide you with products or services. All information contained in this document is based on information available at the time of publication. While the document has been prepared in good faith, no representation, warranty, assurance or undertaking is or will be made, and no responsibility or liability is or will be accepted by ANZ in relation to the accuracy or completeness of this document. ANZ does not provide any financial, investment, legal or taxation advice in connection with any product or service. ANZ recommends you read the terms and conditions which are available from your ANZ Manager before deciding whether to acquire or hold any product or service. An investment or facility with an ANZ entity other than ANZBGL is neither a deposit with, nor liability of, ANZBGL. Each ANZ entity other than ANZBGL is a separate entity from ANZBGL and is not an authorised deposit-taking institution under the Banking Act 1959 (Cth). The products and services described in this document may not be available in all countries. The distribution of this document may be restricted by law in certain jurisdictions. Recipients must inform themselves about and observe all relevant restrictions. This document may not be reproduced, distributed or published by any recipient for any purpose. Contact your ANZ Manager if you do not want to receive information about ANZ products and services in the future.

RE

PR

ESE

NTA

TIV

E O

FFIC

E O

NLY

WITH A COMPREHENSIVE SUITE OF TRANSACTION BANKING CAPABILITIES AND EXTENSIVE GEOGRAPHIC COVERAGE, ANZ IS WELL POSITIONED TO SUPPORT YOUR REQUIREMENTS ACROSS THE REGION.

✓ Capability available ‒ Not available ^ Not applicable (regulatory restrictions apply) * Capabilities available in some countries

Other Pacific Islands: American Samoa, Cook Islands, Guam, Kiribati, New Caledonia, Samoa, Solomon Islands, Timor Leste, Tonga, Vanuatu. Current as at September 2015.

PLEASE CONTACT YOUR IN-COUNTRY REPRESENTATIVE FOR FURTHER INFORMATION

8 Multi-currency, zero/target sweeps or entrust loans available - contact your ANZ Representative for further information9 Available in multi currency - contact your ANZ Representative for further information10 Host-to-Host; Standard and Custom File Translation 11 Cheque, electronic and remittance advice

Australia and N

ew Zealand Banking G

roup Limited (A

NZ) A

BN 11 005 357 522.

10/15 AU

20792

anz.com/expertise