Investor Presentaiton

High Market Attractiveness We will continue to shift the portfolio towards more attractive segments Source of profit - today 5-10% 15-20% Small Bus Consumer Banking 25-35% Low Weak Wealth ANZIB Mortgages Source of profit ~2005 High Cards Corporate Asset Finance 35 - 45% Strong Current ANZ Position 31 Investor Presentation Market Attractiveness 5 - 10% < 10% ~80% Low Weak ANZ Position Strong ANZ

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