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Investor Presentaiton

THE BANK WE'RE BUILDING DELIVERING IMPROVED LIFETIME VALUE Largely completed Work in progress Yet to really start 'PURPOSE & VALUES DRIVEN' 'SIMPLIFY AND STRENGTHEN' • Build the team • • • • Establish Our Purpose Reinvigorate Our Values Create a more open, less hierarchical organisation Strengthen our delivery and performance culture • • • . Sell non-core businesses Re-shape Institutional Strengthen balance sheet Re-balance the portfolio De-risk the business Drive productivity and capital efficiency • Strengthen our control frameworks . 'DIGITISE' Enhance data capabilities Build cloud capabilities Automate key processes Establish new platforms (BS11, ANZX) • Establish GoBiz • Reshape the workforce • Establish Ways of Working • Build service-based businesses • • 'PROFITABLY GROW' Scale up priority segments Environmental Sustainability • Grow Banking Platforms • Establish partnerships to support target customers • Build and scale new businesses adjacent to the core ANZ 39
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