ANZ Financial Performance Overview

SECTION 2 NBNZ Group strong track record Strong growth in loans and advances NZ$b 40 40 55 35 30 30 T 25 25 20 20 % 50 50 45 40 40 35 30 Dec-01 Dec-02 bps 15 12 6 High asset quality – Provisioning charge as % of loans and advances 6 3 0 Jun-03 Dec-01 Declining cost-to-income ratio Dec-01 NZ$m 600 400 200 Dec-02 Jun-03 (LTM) Consistent growth in NPAT Dec-02 Jun-03 (LTM) Dec-01 Dec-02 10 Jun-03 (LTM) ANZ Source: NBNZ Group Financial Reports

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