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Investor Presentaiton

% Interest margins stable, lending and deposit volumes up Interest Margins $b Average Lending & Deposit 4.50 100 3.93 4.00 3.50 3.06 3.20 8 80 90 80 3.00 2.84 2.79 2.83 70 2.50 2.35 61.6 2.00 2.25 57.2 60 1.61 53.9 1.50 1.21 50 1.00 1.15 1.16 40 0.50 30 20 Sep- Mar- Sep- Mar- Sep- 00 01 01 02 02 Corp Bkg Bus ANZIB →Mortgages Personal Asset Fin Group 34 Investor Presentation Volumes 46.0 45.3 43.6 92.8 88.6 83.0 Mortgages Business Deposits ■Sep-01 || Mar-02 ■Sep-02 * Business Lending includes Corporate, ANZIB and Small Business Segments ANZ
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