Investor Presentaiton

Challenges and areas to improve Challenges/Areas to improve Expenses Drivers & outcomes Global liquidity squeezing loan margins, deferring benefit of Institutional cash build out • • +4% (ex FX) front running investment Targeting ~3% FY15 Building deposits faster Lifting cross-sell & key 'corridors' growth Managing returns, more balanced bank Trade pressured by commodity prices and lower hedge revenue Progress on structural realignment of the business Strong core business experiencing cyclical pressure Returns up despite tough conditions Esanda Dealer Finance sale RWA growth 7%, ~50% FX driven Disciplined capital management ANZ 24

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