Nicholas Freeman

ANZ Bank New Zealand Ltd. provides banking and financial services. It operates through the following segments: Retail, Commercial and Institutional. The Retail segment provides banking products and services to individuals through separate ANZ and The National Bank of New Zealand branded distribution channels. It contains the banking group's wealth businesses which include private banking and investment services provided to high net worth individuals, the onepath wealth management and insurance businesses, and other investment products. The Commercial segment provides services to business banking, commercial & agricultural, and UDC customers. Its banking services are offered to small enterprises. The commercial & agricultural customers consist of primarily privately owned medium to large enterprises. Its UDC is principally involved in the financing and leasing of plant, vehicles and equipment, mainly for small and medium sized businesses, as well as investment products. The Institutional segment provides financial services to large multi-banked corporations and structuring solutions. The company was founded on October 23, 1979 and is headquartered in Auckland, New Zealand.

Milliers Retail Ltd. provides retail services. It operates in two different segments, women's apparel and the retailing of discount variety goods. The group currently retail stores across Australia and New Zealand and maintains one of the retail loyalty programs in Australia. Millers Retail owns and operates a number of retailing brands within the market. These include Millers Fashion Club, Katies, Crossroads Clothing Co, Go-Lo and Crazy Clark’s. Milliers Retail is located in Alexandria, AU.