ANZ Financial Performance Overview

SECTION 6 . Domestic portfolio remains in good shape Australia & New Zealand Risk Grade Profile Asset Quality Sept 2003 v Sept 2001 (Australia & New Zealand) Net Non Accruals • Net Specific Provisions $126bn $136bn $155bn 11.4% 11.3% 10.0% AAA to BBB down 50% down 32% . Economic Loss Provision rate down 5bps 55.2% 57.1% 58.4% BBB- • Lending Growth (over 70% due to mortgages) B or lower ratings continue to decrease 23% 49 49 14.9% 14.2% 15.0% BB+ to BB 15.0% 14.7% 14.2% BB- 3.5% 2.7% 2.4% >BB- Sep-01 Sep-02 Sep-03 ANZ

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