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Investor Presentaiton

ANZ Operating Structure • · • Operating Divisions Retail Banking Australia Division Corporate & Commercial Banking New Zealand Division Retail Banking Commercial & Agri Banking International & Institutional Banking (IIB) Client Segments International Banking Global Products • Transaction Banking Global Banking • Markets • Retail Banking Asia Pacific • Loans • Global Wealth 1H15 Operating Income Mix by Division ■Australia ■New Zealand ■IIB ■Wealth 8% 37% 13% 42% Operating Income by Geography 1H15 | Australia 62% Insurance • Private Wealth Funds Management • Advice & Distribution New Zealand 18% APEA APEA Network 25% 20% APEA Network Revenue represents income generated in APEA plus income generated in Australia & New Zealand as a result of referral from ANZ's APEA network. ANZ 12
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