Investor Presentaiton

Domestic corporates in good shape, some concerns in ANZIB offshore ANZIB Risk Grade Profile* C&IB, Asia & GTS Risk Grade Profile* $40.8bn $38.7bn $39.4bn $15.9bn $15.0bn $14.2bn AAA to BBB+ 34.9% 32.8% 37.7% 42.1% 44.4% 47.3% BBB to BBB- 26.8% 28.8% 26.3% 33.3% 29.9% 30.0% BB+ to 22.9% 23.0% BB 22.3% 13.2% 12.9% 15.3% BB- 11.1% 11.1% 3.8% 10.6% 3.4% 2.5% > BB- 4.3% 4.3% 6.4% 3.1% 6.8% 8.7% Sep-01 Mar-02 Sep-02 Sep-01 Mar-02 Sep-02 B+ to CCC 3.0% 3.2% 2.4% 4.5% Non-accrual 1.3% 1.1% 0.7% 1.9% 2.7% 4.1% 4.1% 4.6% >BB = B+ B, B-, CCC & non-accrual 9 Investor Presentation * Risk grade profile by outstandings ANZ

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