Investor Presentaiton

Opportunities for growth Opportunity Personal Banking Corporate & SME New Zealand Approach • Full rollout Restoring Customer Faith Expand network in growth locations. • Investment spending budgeted Leverage business integration synergies • Autonomous customer organisation • Rollout Restoring Customer Faith Wealth Management • Maintain high investment spending • Lower profit volatility from JV Institutional & ANZIB Leverage leading relationship position • Leverage business integration synergies 18 Investor Presentation ANZ

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