Investor Presentaiton

- Consumer portfolio – significant opportunity for ANZ in domestic markets Share of Customers* Priorities Deliver on promise of Restoring Customer Faith % 50 40 30 20 10 0 ANZ CBA NAB WBC Deliver on JV Improve community perceptions Wallet Share* Continue product innovation Utilise CRM capabilities Target market share growth of 1% pa in key markets % 60 50 40 30 20 10 0 ANZ CBA NAB WBC * source: Roy Morgan Research 27 Investor Presentation ANZ

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