ANZ Financial Performance Overview

SECTION 5 A specialised portfolio - efficient allocation of resources to deliver results A specialised portfolio allows us to efficiently allocate resources to those businesses experiencing, or with the potential for growth and to reduce resources away from those businesses with lower growth prospects and/or higher risk profiles. NPAT by business segment Risk Weighted Assets by business segment Other Other 8% 13% Corporate 12% Asset Finance 33% 9% 43% Consumer 6% Finance IFS 10% IFS 5% Corporate Asset Finance 18% 6% 12% 25% New Zealand Personal & INGA Mortgages Mortgages Sep 03 Sep 02 Change Full Year NPAT $m Institutional Financial Services 772 715 8% Personal Banking & Wealth 422 403 5% Mortgages 270 247 9% Corporate 270 242 12% Consumer Finance 144 150 -4% New Zealand Banking 141 131 8% Asia Pacific 131 98 34% Asset Finance 127 103 23% Treasury 95 55 125 -24% 37 0 NPAT increase NPAT decrease Prior period NPAT ZNV 200 400 600 800

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