Investor Presentaiton

Provisioning charge reflects conservative management ELP Charge $m ELP adjustment 350 ELP $ ELP BP's 300 258 252 256 246 250 241 bp's 80 309 301 70 290 56 60 50 200 45 42 42 43 40 40 42 150 T 36 35 30 100 20 50 10 0 0 Mar- Sep- Mar- Sep- Mar- Sep- Mar Sep- 99 99 00 00 01 01 02 02 6 Investor Presentation • ELP portfolio level adjustment continued ⚫reflecting ongoing global economic uncertainty ⚫calculated as one notch downgrade across GSF portfolio • Domestic ELP rate declining • ELP adjustment likely to continue until international defaults stabilise ANZ

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