Investor Presentaiton

Important notices This document contains "forward-looking statements", which include all statements other than statements of historical facts, including, without limitation, any statements preceded by, followed by or that include the words "targets", "believes", "expects", "aims", "intends", "will", "may", "anticipates", "would", "could" or similar expressions or the negative thereof. Such forward-looking statements involve known and unknown risks, uncertainties and other important factors beyond the Bank's control that could cause the actual results, performance or achievements of the Bank to be materially different from future results, performance or achievements expressed or implied by such forward- looking statements. Neither the Bank, nor any of its agents, employees or advisors intends or has any duty or obligation to supplement, amend, update or revise any of the forward-looking statements contained in this document. Any Securities or strategies mentioned herein may not be suitable for all investors. Investors and prospective investors in Securities mentioned herein are required to make their own independent investigation and appraisal of the business and financial condition of the Bank, the nature of the Securities and any tax, legal, accounting and economic considerations relevant to the purchase of the Securities. This document contains data sourced from and the views of independent third parties such as the Australian Prudential Regulation Authority, the Reserve Bank of Australia and the Reserve Bank of New Zealand. In replicating such data in this document, the Bank makes no representation, whether express or implied, as to the accuracy of such data. The replication of any views in this document should be not treated as an indication that the Bank agrees with or concurs with such views. This document is only directed at, and may be communicated to persons who are required to pay at least A$500,000 for the Securities (disregarding amounts, if any, lent by the Issuer or other person offering the Securities or its associates (within the meaning of those expression in Part 6D.2 of the Corporations Act 2001 of Australia (the Corporations Act)) or where by virtue of section 708 of the Corporations Act no disclosure is required to be made under Part 6D.2 of the Corporations Act and the offeree is not a retail client (as defined in section 761G of the Corporations Act). The information contained in this document is provided as at the date of this document and is subject to change without notice. 54 51 ANZ

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