Australia and New Zealand Banking Group Ltd. — Annual Report 2012

Dec 18, 2012

2012

CHAIRMAN

1 Reordering of the global economy

2 Connectivity 3 Driving productivity improvements

1 Super regional building blocks Global financial crisis remediation and/or 2 opportunity 3 Establishing a real franchise in Asia 4 Strengthening Australia and New Zealand 5 Adapting to a lower growth environment

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Collective Provision Coverage

Tier 1 Capital Ratio

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Funding Composition

Liquid Assets (AUDb)

Driving 25 to 30% of Group earnings by 2017

21% Australia & NZ income derived from APEA [1] 8%

1. Australia & NZ income derived from APEA not available for FY07

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Statutory Profit Statutory EPS Underlying Profit Underlying EPS Dividend Total Shareholder Return (TSR)

FY12 FY12 v FY11

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$5.7 billion 6% 213.4 cents 2% $6.0 billion 6% 225.3 cents 3% 145 cents 4% 35.4%

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Most sustainable bank globally in the 2012 Dow Jones Sustainability Index

Bank of the Year and Home Lender of the Year in Australia by Money magazine Top 5 Corporate Bank in Asia by Greenwich Associates

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GDP annual % change

Forecast

Source: Datastream, Bloomberg, IMF, ANZ

2012