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Investor Presentaiton

Delivering on our commitments to shareholders Specialised business units performing well - 14 of 16 recorded higher profits year on year Specific provision unusually high, but cumulative specifics well covered by cumulative ELP from inception in 1997 Major new governance and transparency initiatives Substantially enhanced disclosure on capitalised - - - - expenses, asset quality, options expense, compensation · Upgraded audit policy introduced Recognition for disclosure and transparency Remuneration practices substantially reformed 13 Investor Presentation ANZ

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