Investor Presentaiton

SOURCE OF COMPETITIVE ADVANTAGE IS SHIFTING THE WORLD IS CHANGING IN RETAIL & COMMERCIAL BANKING 1 OWNERSHIP OF PHYSICAL DISTRIBUTION IS NO LONGER A MATERIAL SOURCE OF ADVANTAGE 2 APPROPRIATE, INSIGHTFUL USE OF DATA WILL BECOME A SOURCE OF ADVANTAGE 3 COMPETITION WILL BECOME MORE INTENSE AND MORE DISRUPTIVE 4 CONSUMER LENDING IS BECOMING MORE CAPITAL INTENSIVE AND LESS PROFITABLE 5 THE PROVISION OF 'ADVICE' IS BECOMING MORE RISKY AND MORE COMPLEX 6 REGULATION AND PENALTIES INCREASING 7 KEY TALENT WILL BE HARDER TO COME BY AND RETAIN ANZ 10

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