Investor Presentaiton

1H15 result overview Global Wealth 1H15 PCP AUDM % / bps Net interest income 88 10% Drivers & outcomes Wealth customers² Other operating income 97 (19%) m Net funds management & insurance income 665 10% +11% 2.1 Operating income 1.9 850 5% 1.6 Expenses (489) 1% PBP 361 12% Sep 13 Mar 14 Mar 15 Impairment charge 1 0% Retail Life lapse rates Tax & Non-Controlling Interests (103) 14% Cash Profit after Tax 259 11% Australia 13.3% 12.1% 11.6% Funds under Management In-force premiums Cost to income ratio NPAT contribution¹ Funds Management Insurance Private Wealth 1. Excluding Corporate and Other. 2. ANZ Wealth customers directed through ANZ channels. 3. Global Private Wealth and Funds Management net flows 68,405 11% 2,154 10% 57.5% (250 bps) 1H13 1H14 1H15 FUM net flows³ 883 78 20% $m 686 143 46% 43 (2%) (442) 1H13 1H14 1H15 ANZ 23

View entire presentation