... efficiency and involved a 24%reduction in staffing levels.9 Australia and New Zealand Banking Group Limited – 1997 Annual ReportSummary Australia and New Zealand Banking Group Limited recorded ... Charter. ANZ is Australia and New Zealand s international bank. Inits home markets of Australia and New Zealand, ANZ is amajor financial institution providing the full range of banking and other financial ... 99Volume and rate analysis 108Voting rights of shareholders 115Page3333 Australia and New Zealand Banking Group Limited – 1997 Annual Report1997 Financial Statements 2p16p18 ANZ is one...