Investor Presentaiton

Healthy underlying income growth $m 6900 6800 6700 6600 6500 6406 72 6400 41 6375 6300 6200 6100 6000 2001 ANZ/JV 6.9% 439 6814 Acquisitions & FX Impact Adjusted revenue base Underlying growth 2002 Income Drivers • Mortgage outstandings up $8.9b, partly offset by $2.7b decline in Corporate lending assets • Deposits up $8b, with an equal increase in both Personal and Corporate • Margins were flat over the year at 2.77%, although second half slightly higher than first half • Lending fees up 11%, principally driven by corporate businesses • Non lending fees up 8%, with strong transaction volumes in consumer finance a major contributor 35 Investor Presentation 6.3% ANZ

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