Investor Presentaiton

2003 targets stretching but unchanged 2001 2002* 2003 Target EPS growth 10% 17% 10% ROE 20.2% 21.6% 20% Cost-income ratio 48.0% 46.0% 45% ACE Ratio 5.9% 5.7% 5.25% -5.75% Credit rating AA- AA- AA- 20 Investor Presentation *excluding significant transactions ANZ

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