Slide 1: i on ee
i on ee
Slide 2: A continuous presence in Western Australia
A continuous presence in 1 24 years 72 branches 12 agencies ‘Over 1,000 dedicated staff 3, 000 small to medium business - customers. 300,000 individual customers
Slide 3: Earning the trust of the community
Earning, the trust of the community ee Skate Park in Narrogin Jean: LE s for Genes Day yy og Wee 7 “Streets Alive” #
Slide 4: Earning the trust of the community
ty e communi fth . x c © 2 3 fo] Ah e trust'o th ing, Earn
Slide 5: Earning the trust of the community
Earning the trust of the community West Coast Eagles 2 WA Institute of Sport i a LAIST HRT oe ‘ Be y a ili ill es i Lo
Slide 6: A Different Bank: Strategy, Performance
. ank is fferent ie i Strategy +Performance ANZ
Slide 7: A Different Bank: Governance
ifferent Bank is a AD «Governance ANZ
Slide 8: A leader in governance and transparency
A lead Fr in governance and. transparency. — ° : Timeliness of reporting | information ° Profit and loss for our 7 specialist businesses ° Report on non- 1-financial indicators eg. ° Customer. Satisfaction . * Staff Satisfaction
Slide 9: Enhanced governance procedures
Enhanced Sever tenes procedures ° Revised committee structure ° ‘New policy for ANZ's auditor - Head of Internal Audit reports directly to Chairman of Audit Committee ° Serious Complaints Process 2 Enhanced disclosure: © critical accounting policies * off balance sheet vehicles
Slide 10: A Different Bank: Performance
fferent Bank i AD sit Pa *Performance ANZ
Slide 11: Consistently growing profits
Consistently growing profits ~NPAT. \ot68 before. significant transactions 400.- 2001... 2002
Slide 12: One of the world's most efficient banks
One of the world's most efficient banks -- Gostto Income === Cost To : os Income (%) = Expenses an a «ee Cost Income Ratio >. ; 65 o——= Peer Average CTI* ; ; ; 60 Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- 97. 98 98.99 99. 00,00: 01 01 02 02 a
Slide 13: Strong Tier One capital ratio
Strong Tier One capital ratio 8.5.5 7.9 8.0.5 077 7.5 75-4 7.05. 6.54 Sep-99 Mar-00 Sep-00 Mar;01 Sep-01 Mar-02 Sep-02.. 5.0 = Mar-99 @ Tier 1 ' inner. Tier 1
Slide 14: Health and dividend growth
iv yd Health end growth cents 2002 2000 1999 1998 2001 1997 .
Slide 15: Strong shareholder returns
Strong shareholder returns - $.° $1,000 invested in 1997 “2500 4 0 would. now be worth $2,230 1997 2002
Slide 16: Customer Charter
Customer Charter | Our 10 promises: 24 hour, 7 day accessibility Simple accounts, “fees and charges Simple, fast account opening: Quick, ‘convenient branch banking . Fast, efficient phone service : Respect for. personal information and privacy Helping you_understand our communications, Swift resolut
Slide 17: Customer Advocate
ll Robinson B r Advocate — Custom - \ i .
Slide 18: Our staff are active in the community
Our staff ‘are active in the community _ mn HAIL HAN in
Slide 19: Performance by business
—-. Performance: Mortgages Transaction Services S NPAT:decrease -- Capital Markets
Slide 20: ANZ and ING - Bringing together complementary strengths
ANZ. and. ING — Bringing together _ complementary strengths: e Large distribution network High value customer base. Untapped, opportunity * Specialist approach,” ° * Outstanding customer - proposition... a *-Top 4 position in retail eae 0 FUM. INGA SID. top 5 position in tite : : : -insurance * Glob
Slide 21: We strengthened our Pacific position
SS ion ic pos ie cu 2 hened our Pac imor We stren East T
Slide 22: A Different Bank: Strategy
ank nt B ffere ADi wt a ANZ “Strategy
Slide 23: Distinctive Specialisation
: Distinctive Specialisation _Invest in options for _ longer term aS DERN Lea A Te iy yy TT a vy g ag U7 ) ee Z M TEED a % UN ios B Xo Loy i, TT Bastin esata Vane
Slide 24: Significant progress moving closer to our target market position
le have made significant progress moving- closer to ‘our 2005 target market Position ; : 2005 target - Source of profit for 5 cara Mid “90s ANZ” 4 ; Current. ANZ |. businesses” ~ High 15 - 20% aq Market Attractiveness 25 ~ 35% Market Position —
Slide 25: A Different Bank
ank ifferent B AD ANZ
Slide 26: Disclaimer and investor relations contact
The material .in this presentation is general.background information about the Bank’s activities current at the date of the presentation. “Jt is information given in summary form and does.not purport to be.complete.” It.is not intended to. be relied upon as “advice.to. investors or potential investo