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ANZ (Australia and New Zealand Banking Group) is a publicly traded bank providing retail, commercial, private, wealth, and institutional banking services to consumers, businesses, and governments across Australia, New Zealand, and the Asia–Pacific. Headquartered in Melbourne and listed on the ASX, it is one of Australia’s big four banks and the largest banking group in New Zealand and the Pacific. Its revenue comes from lending interest, deposit spreads, payments, and service fees.