The country's biggest bank has recorded a $2.13 billion profit, and is warning of some tough times ahead.
ANZ's full year profit is down 7 percent, in a result the chief executive describes as a game of two halves.
Antonia Watson says the bank had a tougher second half of the year because of the more difficult environment the country is entering.
ANZ New Zealand chief executive Antonia Watson speaks to Susana Lei'ataua.
