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Investor Presentaiton

Specific provisions again impacted by large corporate collapse $m 400 350 300 250 200 150 100 Provisions Single customers 100% 2nd half Specific Provisions by size 90% 80% 70% < $5m 60% 1 customer 50% 40% 30% 2 customers >$100m $5m - 20% 1 customer $10m 10% $10m - $20m $20m - $50m 0% 50 0 Mar-Sep-Mar- Sep- Mar- Sep- Mar- Sep- Mar-Sep- 98 98 99 99 00 00 01 01 02 Net specific provisions $m (LHS) - % International SPs (RHS) - ELP charge $m (LHS) 02 43 Investor Presentation • Only 4 customers with specific provisions greater than $10m ANZ

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