Welcome to ANZ

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Welcometo ANZs32nd AGM
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Directors online
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(No Transcript)
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Executive Management Committee
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(No Transcript)
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Review of 2000

• Performance
• Customer Service and the Community
• Staff and Culture
• Strategy

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Achieve superior financial performance

ROE
m
NPAT
CAGR 13.3
Total Shareholder Return
Cost Income Ratio
8
Rebalance the portfolio
Loans Advances
Net Profit After Tax
10
5
8
39
41
23
49
50
56
49
43
27
PFS CFS International

• Includes Grindlays
• Excludes Group

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Enhance our leadership position in Corporate
Banking
ANZ
Our Peers
Source Roberts Research
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Simplify and focus International
Grindlays
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Build momentum in eCommerce
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Reduce the risk profile of the Bank
Economic Loss Provisioning Factors
Market Risk (Av. VaR)
bps
Am
23
23
5.4
4.4

• Beta reducing towards 1.0, in line with peer
  average

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Commitments to shareholders

• Achieve superior financial performance
• deliver double digit earnings growth
• improve return on equity
• reduce our cost income ratio to 53
• Rebalance the portfolio
• increase our business with Personal customers
• Enhance our leadership position in Corporate
  Banking
• Simplify and focus International
• Build momentum in eCommerce
• Reduce our risk profile

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Positive re-rating over the last 12 months
ANZ Share Price
13-Dec-00
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Personal Financial Services
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Market share gains
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Personal Investor Magazine awards 2000

• Business lender of the year

• Home lender of the year

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Funds Management strong investment performance
ANZ Asset Management Fund
One Year Performance
Three Year Performance
Australian Shares Specialist Funds
5th out of 28
1st out of 21
Australian Fixed Interest Special Funds
6th out of 31
5th out of 27
ANZ Super Pool Growth Fund
2nd out of 32
1st out of 29
Source Mercer Investment Consulting
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Corporate Financial Services
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A leader in Corporate Banking
Best Bank in Australia US Global Finance Magazine
1999
No. 1 Arranger - Asia Pacific Project Finance
International 1999
Best FX Bank Australia FX Week 1999
No. 1 Arranger, Asia Australia Global Finance
Derivatives/Risk Management House of the Year
INSTO Magazine 2000
Best FX Bank of the Year INSTO Magazine 2000
World No. 1 FX Options AUD Risk Magazine 1999
1 Domestic Commercial Paper Asia Money July 2000
No. 1 Trade Services Provider in
Australasia Brand Wood International 2000
No. 1 in Sub-custody in Australasia Global
Investor Magazine 2000
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International
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Simplify and focus our international network
Grindlays
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Simplify and focus our international network
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Simplify and focus our international network
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eCommerce
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anz.com the best financial/investment web site
Australian Financial Review Internet Awards 2000
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Major eCommerce initiatives

• Internet Banking

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Over 500,000 customers registered
Australia
New Zealand
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Major eCommerce initiatives
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Joint venture with OCBC Bank
Leading Financial Portal
Internet Service Provider
Online Stockbroking

• Regional e-based financial institution

B2B and B2C Enabling
Retail Alliances
Banking front end
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(No Transcript)
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Customers and Community
Wet n Wise Program
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ANZ in the community
Staff painting Foodbank
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Staff and Culture
Staff celebrating their victory as the
best financial services call centre in Australia
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Assisting staff with technology
The first staff member to receive her pc_at_home
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Commitment to training and education
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Doubled the number of graduates
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Developing a pool of talent
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Staff increasingly becoming shareholders
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Substantial improvement in staff satisfaction
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49
From staff survey July 2000
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(No Transcript)
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Outlook
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Global growth is expected to slow in 2001
World Economic Growth
GDP
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Australian interest rates have peaked
Short-term interest rates
ANZ forecasts
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New Zealand economy is showing signs of recovery
GDP
ANZ forecasts
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(No Transcript)
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AGM 2000
Resolution 2 (a) Re-election of Mr C B Goode
as a director Votes Votes Votes
For Against Open _____ ___ _____
___ _____ ___

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AGM 2000
Resolution 2 (b) Re-election of Mr J C Dahlsen
as a director Votes Votes Votes
For Against Open _____ ___ _____
___ _____ ___