Investor Presentaiton

C&IB successfully managing the transition to lower balance sheet intensity 700 600 NIACC growth greater than profit growth Higher lending fees, flat balance sheet 250 642 26% 510 200 T 50 50 45 40 500 14% 400 377 331 300 200 100 0 NPAT 35 150 30 T 25 100 20 15 50 10 5 0 0 NIACC 1999 2000 2001 2002 Lending Fees Balance Sheet ■ 2001 11 2002 29 Investor Presentation ANZ

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