Investor Presentaiton

% 200 180 160 140 120 100 80 60 40 20 0 Overall - provisioning levels strong Provisions/Non Accrual Loans ANZ Australia Canada Source: CSFB 11 Investor Presentation Germany France UK GP/RWA's % 1.20 1.15 1.10 1.06 1.05 1.00 0.96 0.95 0.90 0.88 0.85 0.80 0.75 0.70 ANZ CBA NAB WBC 1.05 Sep 02 Jun 02 Mar 02 Mar 02 ANZ

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