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Investor Presentaiton

Consumer portfolio continues to improve % Arrears > 60 days 3.00 2.50 2.00 1.50 1.00 0.50 0.00 Mar-01 Jun-01 Sep-01 Oct-01 Nov-01 7 Investor Presentation Dec-01 Jan-02 Feb-02 Mar-02 Apr-02 May-02 Jun-02 Jul-02 Aug-02 Sep-02 • Consumer sector in good shape, with continuing low levels of unemployment • Mortgage arrears at record lows - unlikely to be sustainable • Ongoing focus on collections management • Scorecards remain "tight" Small Business Mortgages Cards & Personal Loans • Personal & SME Businesses - Overall (excl Asset Finance, Pacific, Asia) ANZ

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