Anz Group Holdings Limited · ASX:ANZ

Anz — Australia and New Zealand Banking Group — IPO Roadshow (August 2003)

68 slides from Anz's IPO roadshow presentation, Aug 14, 2003

Slide 1: ——”—C“ UD”
So ——”—C“ UD” oe — = = = I i) a i) ill MH) = —- _ ——rr—~<“~<CSCT«3T«73«7Z7E ZhESiria7TesSsSs”””””r”rtrrtrtrt SF rrrrrrr———“( _ eee SF rrrrrrrrr—“—‘i<—<“‘i“i‘“‘“‘“‘i‘“‘“‘“‘i esis ee -————~—r—__——s—as — oe _ SSE RE
Slide 2: Thin ni ny
Thin ni ny
Slide 3: entation Loni Nii Ni A A
entation Loni Nii Ni A A
Slide 4: Ls Le a Ss oh L <K<<KKKKSS See
Ls Le a Ss oh L <K<<KKKKSS See i Hist a og ___-L )—E_-_-_-_-_-_-__p Gg OO nnn Ly Ly Vi LL —-_-_--:__ i, L000 Le Lo Os LU LC ys yy iy WL 8. ANZ - Effe scHioh the lesue,. i LS mn oe Lae vo) nina Vy va) Lo O”—OO.U..”VFVUUDUVUU UU Ly ee La QO —é€<—<KKK5 I oe LI ne CCL LLL ——————— ee as i Ce es Zona tesa
Slide 5: Delivering sustainable profit growth
Slide 6: A diversified portfolio performing well
Slide 7: entation Lo NN
entation Lo NN
Slide 8: Outlook for 2004
Slide 9: ks approa
ks approa
Slide 10: LLL) Lo oy _———————
LLL) Lo oy 7 _——————— g¢ . ii p ‘a Eon | I LLL EEG SISSIES SS A i uy (1 wy Co OOO 2.55 me LL LLL ___ EE __ _ ____ __EE— Ss ANZ - Update on operations and str: ig) = . Bor okbui ild ie BOO ~ ge LO ly a LLL LLL LLL I a | Supple intal | ‘mation. I CC L.!D!hmhmDhDmD!DDDLU ay LL Lo Ce Ol ....OOFOOrtO—tes
Slide 11: 'AA' category rating supported by strong capital position
Slide 12: sentation. Loni Nii Ni A A - i
sentation. Loni Nii Ni A A - i
Slide 13: ie r eg oc i ‘a, o EEE
ie r eg oc i ‘a, o EEE _ ANZ - Update on operations and strategy 7 Ls Le 7 7 Mae LM NSE 5. Bookbuild process .——(—s—rr— Crh. 6. S$ ppl , ry nation Cl ”CS~=*F Ct ee LL LS LLL LLL LLL LLL LLL LLL ALAA ESS a LEE <<< Ly ———————_—_—_c_ Oy TTL: BSS ii mi ii GE CLL LLL K<KKKKKKNKSISIIIES <LI LEI NTE ey CF
Slide 14: Offer structure - key terms
Slide 15: entation Lo NN
entation Lo NN
Slide 16: Payment tests, 'dividend stopper' and ranking
Slide 17: SOM ranion MeN NN MN Tf
SOM ranion MeN NN MN Tf
Slide 18: RDS Ceca LNT NANA AAA AA
RDS Ceca LNT NANA AAA AA
Slide 19: sentation, Loni Nii Ni A A - i
sentation, Loni Nii Ni A A - i
Slide 20: Assignment events
Slide 21: Thin ni ny
Thin ni ny
Slide 22: Syndicate structure
Slide 23: Bookbuild process
Slide 24: entation Lo NN
entation Lo NN
Slide 25: sentation, Loni Nii Ni A A - mn
sentation, Loni Nii Ni A A - mn
Slide 26: LS == Ss SS Sa —“
LS == Ss SS Sa 8 8 —“ : rr~—“—™OCOCOCOCiCidiCdzdC;CzCiCidzC dC : PS. CL oF r— Se — #gg rt Se OS i eee = CUD | 28s ws _ s8 ~ a 2 =— j= = = C—— SS Te TS eee—"_0 SC — es SSC ee CL Ei“ ie’ SS SEES ee SES r—SU Se eS lS r—sS = £- s&s | SS ia —eeeee ae aS So rrrrrrr—ti“‘“‘“‘<i— “SCOC*COCUCUCUCULULCULU LL =
Slide 27: A AHIE
a) A AHIE Eg ae ons es Lp i Uy, a oy ap <i es ae oy oe ne . : me ne a 7 i 7 cae ie 7 ie 7 : a y a a nae ae ae ce ae a) Li io : . . . UVTI ES Q LL) EE, EEE EE Le inv) Ly La Es Result | i VOmroo ? a ce ce a a ce ee a ce La ae oa a i ih a lio p ae 0) a ue . o . L a c a L 0) CG 7 ie : a ae ge 7 q a iis
Slide 28: Four core themes
Four care themes isn (base $ $100) Leverage real capabilities to build sustainable strategic position © $1,000 4 * Grow value by creating a rich | portfolio of specialised businesses **°° | * Become one of the most efficient $600 and best-managed banks i in the DD wert _~E Cs $e Ce _ $a00 4 e Bold a
Slide 29: SOM CALNE A i NA ANNA
SOM CALNE A i NA ANNA
Slide 30: Source of profit
Source of profit ’ cea nad Mortgages ] / eppreaclt 0 ow. oO _ yy 2 ewe) Oo oa ha es] <
Slide 31: Business
Business ge Asia-Pacific
Slide 32: Aim to make ANZ one of the best managed and most efficient banks in the world
Slide 33: Bold sees diffe a
Bold sees diffe a _ Superior (6 Top g Aus' ‘ allan verage® feo asina unique Motivation approach _ Systematic improvement | . financial ls values” Gain shareholder _and community recoan tion "execution to. _m nimise cco al es
Slide 34: fasentation Lo NN
fasentation Lo NN
Slide 35: TTT ess a SeeSe essa eo a eee eee TEESE EEE SESE SEES SEER
TTT ess a SeeSe essa eo a eee eee TEESE EEE SESE SEES SEER SLESSELS SEER SLESSULS STEERS SLADE LEEDS AUSSIE Ea Me iy i L_ ih Ly Ly WE ae ge Ns Li Ly iia LE ey re 1 GO Ly 0) a) Ly), ee, i. TT ret teal nly LLL Ls La LLL i inna Vo ll a i Lo Li i ina ini Le ome ey pp V7 iL Lo Le a Lo Ly —hh Ly. Le | EEO
Slide 36: ansactions
ansactions
Slide 37: Higher interest income, driven by strong asset growth
Slide 38: Underlying non-interest income reasonable, but dominated by one-offs
Slide 39: Expenses well controlled, cost income ratio flat
Slide 40: SOM CALNE A i NA ANNA
SOM CALNE A i NA ANNA
Slide 41: Dividend payout ratio likely to trend upwards
Slide 42: EIN MIIaML ILLOIESLE L LLLILIAIEL LL LAL LEL O LLL LLL N LE LLL
EIN MIIaML ILLOIESLE L LLLILIAIEL LL LAL LEL O LLL LLL N LE LLL LO LLL E ae fe 1 LE __ ___________________ EEE EEE _E__ |—_—EE_-_ -_E E_———E_-—E—-—-—-_-_—-_—-__—___EEp ~_— a gs i ———E———————————————— Ly a I ge EE rr — — ——_<£<£< SSS SSS wt SL <LI SS LL DDLDDOUOUDFOFOFDF// Ve se ttn Ls Ly La LIES a c
Slide 43: SOM CALNE A i NA ANNA
SOM CALNE A i NA ANNA
Slide 44: Consumer Finance – challenges, but good underlying performance
Slide 45: Mortgages – well placed to benefit from shift to mortgage brokers
Slide 46: laximum —
laximum — 60% of equivalent BB stic unsecured _ aqxe» lending _ _ Domestic & ffshore | coreMNC Corporate
Slide 47: Corporate and SME – well positioned for upswing in business lending
Slide 48: Personal banking – impacted by margin squeeze on deposits and fee changes
Slide 49: || 1Hoz 2Ho2 iH03
|| 1Hoz 2Ho2 iH03 LN A hf
Slide 50: JV performance – good insurance and expense performance, offset by FM
Slide 51: Unrecognised
Unrecognised profit on sale si
Slide 52: PS Me EEE LEE LAE
PS Me EEE LEE LAE iy EEE ______E_EE___L______E_EE_E_E__ Es oe (eo) ae LL —$<_<_<_—_<$<—<—<£ LL STE y Ls i Ess QE _ Ee a Li | o LL hi LD c Ls a tee onl KE LI 777 g ——_<_<<< <_< Ln in g TT Ee ny 5K MMMM ASL Le pp CG LE L———E—EEP__—_/____ EEL ___ EEE - E ) Ee ———————————————E————————— Li ey oa ki<—< :
Slide 53: Arrears profile close to historical lows
Slide 54: Mortgages portfolio healthy
Slide 55: sentation Lc A TT
sentation Lc A TT
Slide 56: Domestic corporates well placed
Slide 57: Energy portfolio: some issues
S energy portfolio : some iss
Slide 59: Global telco portfolio – no material issues expected
Slide 60: Institutional & Corporate Risk Grade Profile
titutional & Corporate Risk Grade Profi ih B+toCcc 21 Non Accrual y
Slide 61: Offshore SCCLs now in place
Slide 62: Top 10 exposures further reduced
Slide 63: ize.
if ize.
Slide 64: New non-accruals down 50% on March 2002
Slide 65: Non-accrual loans continue to fall, reflecting overall health of portfolio
‘Non-accrual loans. continue to fall, ‘reflecting overall health of portfolio Historic ~~ 7 Geographic _ _ Gross Non Accrual” _Loans (LHS) _ Non- Accrual Loans Loans & advances a ot 1260
Slide 66: ANZ Mar CBA Dec NAB Se}
ANZ Mar CBA Dec NAB Se} ED 02 02
Slide 67: Important information
Slide 68: SESE a in
SS = SS —— SESE a in — = ——<—S”—<—C—C:i‘(‘<CDr™ SS SS ——— So EF—“‘“_™OSS—S— pS rrr—“—“—“<“‘“‘“‘“<“‘<“‘i‘i‘i‘i‘i i‘ EEE _—_—- -= _ =.=£._+ === Spe SS —————————L = OF r—————C a —C Be = rr——er—— “ieee : ~~ # = 4. 4s - eo r———"—“C—r——————C—C—CCSCEC“‘C RST 2 eS SS ———— Fanning? inition : “Som cuneate SS

Australia and New Zealand Banking Group — IPO Roadshow (August 2003) on 6ix

Anz — Australia and New Zealand Banking Group — IPO Roadshow (August 2003)

Slide 1: ——”—C“ UD”

Slide 2: Thin ni ny

Slide 3: entation Loni Nii Ni A A

Slide 4: Ls Le a Ss oh L <K<<KKKKSS See

Slide 5: Delivering sustainable profit growth

Slide 6: A diversified portfolio performing well

Slide 7: entation Lo NN

Slide 8: Outlook for 2004

Slide 9: ks approa

Slide 10: LLL) Lo oy _———————

Slide 11: 'AA' category rating supported by strong capital position

Slide 12: sentation. Loni Nii Ni A A - i

Slide 13: ie r eg oc i ‘a, o EEE

Slide 14: Offer structure - key terms

Slide 15: entation Lo NN

Slide 16: Payment tests, 'dividend stopper' and ranking

Slide 17: SOM ranion MeN NN MN Tf

Slide 18: RDS Ceca LNT NANA AAA AA

Slide 19: sentation, Loni Nii Ni A A - i

Slide 20: Assignment events

Slide 21: Thin ni ny

Slide 22: Syndicate structure

Slide 23: Bookbuild process

Slide 24: entation Lo NN

Slide 25: sentation, Loni Nii Ni A A - mn

Slide 26: LS == Ss SS Sa —“

Slide 27: A AHIE

Slide 28: Four core themes

Slide 29: SOM CALNE A i NA ANNA

Slide 30: Source of profit

Slide 31: Business

Slide 32: Aim to make ANZ one of the best managed and most efficient banks in the world

Slide 33: Bold sees diffe a

Slide 34: fasentation Lo NN

Slide 35: TTT ess a SeeSe essa eo a eee eee TEESE EEE SESE SEES SEER

Slide 36: ansactions

Slide 37: Higher interest income, driven by strong asset growth

Slide 38: Underlying non-interest income reasonable, but dominated by one-offs

Slide 39: Expenses well controlled, cost income ratio flat

Slide 40: SOM CALNE A i NA ANNA

Slide 41: Dividend payout ratio likely to trend upwards

Slide 42: EIN MIIaML ILLOIESLE L LLLILIAIEL LL LAL LEL O LLL LLL N LE LLL

Slide 43: SOM CALNE A i NA ANNA

Slide 44: Consumer Finance – challenges, but good underlying performance

Slide 45: Mortgages – well placed to benefit from shift to mortgage brokers

Slide 46: laximum —

Slide 47: Corporate and SME – well positioned for upswing in business lending

Slide 48: Personal banking – impacted by margin squeeze on deposits and fee changes

Slide 49: || 1Hoz 2Ho2 iH03

Slide 50: JV performance – good insurance and expense performance, offset by FM

Slide 51: Unrecognised

Slide 52: PS Me EEE LEE LAE

Slide 53: Arrears profile close to historical lows

Slide 54: Mortgages portfolio healthy

Slide 55: sentation Lc A TT

Slide 56: Domestic corporates well placed

Slide 57: Energy portfolio: some issues

Slide 58: sen Se Me © NNN AAA

Slide 59: Global telco portfolio – no material issues expected

Slide 60: Institutional & Corporate Risk Grade Profile

Slide 61: Offshore SCCLs now in place

Slide 62: Top 10 exposures further reduced

Slide 63: ize.

Slide 64: New non-accruals down 50% on March 2002

Slide 65: Non-accrual loans continue to fall, reflecting overall health of portfolio

Slide 66: ANZ Mar CBA Dec NAB Se}

Slide 67: Important information

Slide 68: SESE a in