 Australia and New Zealand Banking Group OTCPK:ANZBY Q4 2022 Earnings Conference Call October 26, 2022 7:00 PM ET Company Participants Jill Campbell - Head, IR Shayne Elliott - CEO Farhan Faruqui - CFO Conference Call Participants Andrew Lyons - Goldman Sachs Richard Wiles - Morgan Stanley Jonathan Mott - Barrenjoey Victor German - Macquarie Brian Johnson - Jefferies Brendan Sproules - Citi Andrew Triggs - JPMorgan Ed Henning - CLSA Nathan Lead - Morgans Jill Campbell Thanks. Good morning, everybody. 