Investor Presentaiton

Delivering on our commitments . Performing well - record profit of $2,168m* • Exceeded all targets* 1 EPS Growth 17% - ROE 21.6% - Cost Income ratio 46.0% • Strong capital position, well provisioned • Record staff satisfaction - up 16% to 78% • Exciting Restoring Customer Faith pilot Specialised business strategy operating well • Stretch target for 2003 of 10% EPS growth * Before significant transactions 3 Investor Presentation ANZ

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