... 20/11/98 2:55 AM Page 20 AUSTRALIA AND AUSTRALIA AND NEW ZEALAND NEW ZEALAND BANKING GROUP BANKING GROUP LIMITED LIMITED AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED ANNUAL REPORTME26987_54_H_annual ... directors of Australia and New Zealand Banking Group Limited declare that the accompanying concise financial report of the consolidated Group is fairly presented as anabbreviation of the Group s ... Zealand, ANZ is the leading bank in the Pacific Islands and ANZ Grindlays is the leading foreign retail bankin South Asia.Personal Banking had a strong year with theAustralian and New Zealand...