APS330:CAPITALADEQUACY&RISK MANAGEMENTINANZ Yearended30September2008 2 APS330:CapitalAdequacyandRiskManagementDisclosure-2008 ImportantNotice ThisdocumenthasbeenpreparedbyAustralia&NewZealandBankingGroupLtd(ANZ,ortheGroup)tomeet itsannualdisclosureobligationsundertheAustralianPrudentialRegulationAuthority(APRA)APS330Capi...