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Investor Presentaiton

Key priorities for 2003 • Rollout Restoring Customer Faith, reconnect with community • Complete JV integration. Leverage distribution opportunity ● Reposition cards and mortgages for tougher environments ● Narrow focus of offshore activities to reduce risk ● Capture share of cyclical upswing in corporate lending and SME • Implement three major strategic cost programs, fewer projects • Accelerate shift in performance culture and identify and develop the next generation of leaders 19 Investor Presentation ANZ

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