Investor Presentaiton

Non-accrual loans have decreased due to domestic reductions Historic Geographic $m 1800 Gross Non-Accrual Loans Gross Non-Accrual Loans (LHS) $m 1662 % of total lending assets 78% 13% 9% Non-Accrual Loans/ Loans 1000 1543 & advances (RHS) || 1999 869 1500 1.5% 1391 1260 1203 ■ 2000 792 800 11 2001 2002 681 1200 651 643 623 1.0% 600 900 900 523 600 300 770 699 657 628 400 0.5% Net Non-Accrual Loans (LHS) 200 388 80 50 59 37 0 0.0% 0 1998 1999 2000 2001 2002 Aust NZ Inter 10 Investor Presentation ANZ

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