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Investor Presentaiton

Current performance issues addressed Issue Offshore credit losses NZ consumer satisfaction Response • Reductions in credit limits • Re-focus strategically • Greater local autonomy and resourcing • Roll out Restoring Customer Faith Consumer Finance 2nd half Management reorganisation • Restructure programs Technology project benefits • Wind down of major projects Appointed MD major programs JV performance below plan • Accelerate integration • Capital return hedged 16 Investor Presentation ANZ

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