ANZ Financial Performance Overview

SECTION 6 $m 800 700 600 500 400 300 200 100 0 T T T 1999 New Specific Provisions down 28% on the 2002 year 2000 Geographic Specific Provisions -100 Aust/NZ UK/US 2001 2002 2003 Asia Other Inter 54 Specific Provisions by Source $m 250 200 214 145 150 131 132 100 59 59 47 50 0+ 2002 136 115 109 72 56 38 2003 Energy Asset Finance Other Offshore II Domestic Corporate ■Consumer Finance Other ANZ

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