 Australia and New Zealand Banking Group OTCPK:ANZBY Q2 2022 Earnings Conference Call May 3, 2022 8:00 PM ET Company Participants Jill Campbell - Head, IR Shayne Elliott - CEO Farhan Faruqui - CFO Maile Carnegie - Group Executive-Digital Australia Transformation Kevin Corbally - CRO Mark Hand - Group Executive Australia Retail and Commercial Banking Conference Call Participants James Ellis - Bank of America Victor German - Macquarie Andrew Triggs - JPMorgan Brendan Sproules - Citi Brett Le Mesurier - Perpetual Andrew Lyons - Goldman Sachs Brian Johnson - Jefferies Ed Henning - CLSA Richard Wiles - Morgan Stanley Jill Campbell Good morning, everybody. Thanks for joining us for the presentation of ANZs Financial Year 2022 Half Year Results. 