On behalf of the Board of Directors of ANZ, I would like to extend my highest appreciation to the management team and all members of the ANZ family for their dedication and commitment.

Our outstanding performance and the Group's continuous growth are the result of a concerted effort and contribution of the entire ANZ team.

I wish also to thank our valued customers, business partners, associates, and bankers for their support and loyalty without which our success will not be possible and we look forward for their continued trust and support to the Company and the Group.

I would also like to extend my heartfelt thanks to the relevant government authorities for their assistance and support and my gratitude to my fellow directors and the whole ANZ workforce for their invaluable support.

Thank you.

Hj Zainuddin Bin Abu Bakar