ANZ Financial Performance Overview

SECTION 6 Consumer & SME portfolios in good shape • Arrears profile (60 days) is approaching historical lows reflecting strength of Australia's retail sector. 2.50% 2.00% The consumer sector is robust with continuing low levels of unemployment and a low interest rate environment. 1.50% Arrears have decreased over the half, contrary to previous expectations SME Mortgages Credit Cards • Mortgage arrears continue to decline. . Quarterly behavioural review scoring in 1.00% the SME portfolio is contributing to a lower arrears profile. 0.50% • SME sector is benefiting from low interest rates and healthy business environment. 0.00% Sep-01 Dec-01 Mar-02 Jun-02 Sep-02 Dec-02 Mar-03 Jun-03 Sep-03 0.45% Delinquency levels have continued to improve over the year and remain at 0.40% Mortgage arrears have improved across major product lines historic lows. RILS and Broker 0.35% Originated loans are continuing to 0.30% perform in line with the wider portfolio. 0.25% • Mortgages Loss Rates improved from 2.7bp to 1.8bp. 0.20% 0.15% 0.10% RILS Australia & NZ O/O Australia & NZ TPMI Australia 0.05% 0.00% + Mar-02 Jun-02 Sep-02 Dec-02 Mar-03 Jun-03 Sep-03 47 TPMI - third party mortgage introducers 0/0 - owner occupied ANZ

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