A man is reflected in a logo for the Australia and New Zealand Banking Group Ltd (ANZ) as he walks past a branch located in a Sydney suburb February 17, 2015. ANZ on Tuesday posted a 3.5 percent rise in first-quarter cash profit, warning that 2015 was shaping up to be a "slightly tougher, more volatile" environment. ANZ reported cash profit of A$1.79 billion ($1.39 billion) for the three months to Dec. 31, compared with A$1.73 billion a year ago, led by a strong domestic performance, while lower trading income and higher expenses hurt revenue growth. REUTERS/David Gray (AUSTRALIA - Tags: BUSINESS LOGO)