bank of new zealand 4 july 2003 2 presenters peter thodey managing director chris bayliss gm risk management mark hosking finance organisational structure business overview financial services australia 42 europe 24 7 excess capital 1 corporate & institutional banking 20 wealth 8 formerly wholesale cash earnings by the region produced 11 group for 6 months to march 5 integration with parent global lines g216 bnz continues report directly md alongside fsa and fse remains a line was sold another member nab on january 2002 retains key linkages support such as people culture hr technology also retain reporting maximise ongoing efficiency freedom at regional level own drivers outcomes drive improved performance development site centre excellence details operating ceo direct reports partners representatives mike skilling