ANZ Financial Performance Overview

SECTION 6 Non-accrual loans continue to fall Historic $m 1800 Gross Non-Accrual 1662 1543 Loans (LHS) $m 1000 1.75% Non-Accrual Loans/ Loans & advances (RHS) 1500 1391 1260 1203 1200 900 900 Geographic Gross Non-Accrual Loans 1.50% 792 800 II 2000 2002 II 2001 2003 651 681 643 1.25% 600 1007 1.00% 523 522 770 699 0.75% 400 657 628 600 525 0.50% 300 Net Non-Accrual Loans (LHS) 200 0.25% 59 59 80 60 0.00% 0 1998 1999 2000 2001 2002 Sep-03 Aust NZ 55 37 22 22 388 Inter 463 ANZ

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