Investor Presentaiton

A diversified portfolio performing well Personal Banking Australia Mortgages Institutional Banking Transaction Services Small Med Business Corporate Banking Personal Banking NZ Consumer Finance Asset Finance Foreign Exchange Structured Finance Group Treasury Wealth Management Corp Finance & Advisory Asia/Pac Personal Banking Capital Markets ING JV/ANZ FM 2002 NPAT $m 2nd half NPAT $m NPAT increase NPAT decrease Prior period NPAT 100 200 300 0 100 200 300 5 Investor Presentation ANZ

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