Australia and New Zealand Banking Group Ltd. — Regulatory Filings 2012

Dec 18, 2012

2012

CHIEF EXECUTIVE OFFICER

Real presence in Asia Strong international management team Unique regional operating model

Asia Pacific, Europe & America Contribution to Group Income

21% 16% Group revenues derived outside of Australia & 5% NZ

==> picture [36 x 70] intentionally omitted <==

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

Operating Expense Growth (%)

==> picture [485 x 542] intentionally omitted <==

FY12 FY12 v Underlying Net Profit after Tax $M FY11 Australia 2,492 4%

New Zealand 743 12% International & Institutional Banking 2,372 3% Global Wealth and Private Banking 451 -1%

FY12 FY12 v Underlying Net Profit after Tax $M FY11 Australia 2,492 4% New Zealand 743 12% International & Institutional Banking 2,372 3% Global Wealth and Private Banking 451 -1%

FY12 FY12 v Underlying Net Profit after Tax $M FY11 Australia 2,492 4% New Zealand 743 12% International & Institutional Banking 2,372 3% Global Wealth and Private Banking 451 -1%

FY12 FY12 v Underlying Net Profit after Tax $M FY11

Australia 2,492 4% New Zealand 743 12% International & Institutional Banking 2,372 3% Global Wealth and Private Banking 451 -1%

% of world GDP growth by 5-year period, 2005 $PPP

Forecast

==> picture [902 x 488] intentionally omitted <==

Mid to high income countries Other low income countries China

Source: World Bank; IMF; Global Insight; Penn World Tables; U.S. Department of Agriculture Economic Research Service; Port Jackson Partners

Diversifying revenue streams by product, 1 geography and customer Driving capital efficiency and superior returns for 2 shareholders Improving ROE and reducing CTI by 2% over next 3 2 years Maintaining a well diversified funding profile, 4 strong balance sheet and risk focus

Growth

• Grow Institutional and Commercial in Asia

• Strengthen position in Australia and New Zealand

• Grow our Wealth business in Australia and New Zealand and build in Asia

Operational Performance

• Leverage global operations hubs

• Greater sharing of products, platforms and processes

• Utilise shared technology and operations infrastructure

Our Framework Key Highlights

==> picture [454 x 564] intentionally omitted <==

Creating education and employment opportunities Building financial capability and literacy Bridging urban and rural divides by improving access to banking Delivering sound environmental

outcomes

2012