Dave Nissen
CEO
Asia
Australia / New Zealand

ANZ: From Start-Up To #6
Assets
($ Billions)
$29.0
AVCO
• #1 Non-Bank Financial Institution…
$0.5 • …Meeting Full Range of Financial Needs…
'95 '96 '97 '98 '99 '00 '01 '02 '03 '04 '05 '06 • …With Innovative Products Delivering Value,
Convenience and Flexibility
Average Annual Growth Rate 50% Since 2000
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ANZ: Credit Cards
Loyalty
Bankcard Assets
$1.9B
$1.4B
$1.2B
$.3B
Low Rate
'03 '04 '05 '06E
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ANZ: Mortgages
77% Brand Awareness
Assets
$18B
$15B
Distribution : 250 Branches $13B
$0.4B
Sponsorship
'03 '04 '05 '06E
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GE Money New Zealand Growth Story
Assets
$3.0B
Mortgages
AVCO
'99 '00 '01 '02 '03 '04 '05 '06E
Building Diversified Portfolio
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Japan
Diversified Player in a Large Market
Asset Growth Background & Key Initiatives
($ Billions)
‘94: Entered Japan Consumer
$8.9
Finance Market
18% CAGR
18% CAGR ‘98: Acquired ‘Lake’ Personal Loans
‘03: Acquired Card Business
$1.2
'94 '98 '00 '02 '04 '05 '06E ’05: Growing Mortgage Platform
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Japan Environment
Market Dynamics Strategic Priorities
+ ~$4 Trillion Consumer Finance • Evolve Personal Loan Model
Market
+ Economy Growing (GDP 2%) • Continue to Drive Productivity
(OPEX 12% vs. ‘04)
+ Credit Friendly Consumers
– New Regulations Impacting • Use BD to Drive Scale
Personal Loan Business:
– APR Cap ~ 18 - 20% (3 yr phase-in) • Diversify GEM Mix … Grow Card &
…Certain Fees Will Be Allowed Mortgage
– Increased Consumer Interest
Refunds … Factored In ’06A
Changing Environment… Strong Long Term Prospects
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Japan Personal Loans: LAKE
Receivables Key Initiatives
•Pricing Initiatives
- Graduation Pricing
$6.8B ~6.6B
- Yield Optimization
•Continue to Drive Productivity
- Fewer Manned Branches
'05 '06E
•Invest in Automatic
Lending Machine
Net Revenue
Margin % 23% 22% - Refurbish/Relocate
- Upgrade Technology
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Growth in Japan Mortgage
Mortgage - Japan GE Assets
($ Billions)
Mortgage Market
Rising 70% CAGR
70% CAGR
Valuations $6.0
GE in 8 Bank Alliance
$1.6T
(First in Japan)
16% Non-
Conforming
$1.3
$0.7
’05 ’06E ’07F ’10F
• Bank References for Near Prime, Niche Plays Segment
Share: 2% 5%
• More GE Distribution… 3X Branches by ‘09 (Non-Conforming)
Strong Growth In Non-conforming And Second Mortgage
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Rest of Asia

Asia: China and India
Partnering in China More in India
1. More in China 1. Branches (150+)
7% Share?
Shenzhen
Development
Bank
2. Dual Cards 2. Launch Wizard in India
Mortgage Market
$80B
33%
Wal-Mart $37B
Card in ’06 $14B
’02 ’05 ’08F
3. Auto JV (’07) 3. Expand
SBI Cards 3MM
Cards
Partnership
Refocusing Management Resources
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Asia: Emerging Markets Banking
Thailand Philippines
• Keppel Bank (100%)
+
Simply Better Banking
GE Money Bank of
Retail Bank Ayudhya* (24%)
Taiwan
• Cosmos Bank (10%)
Consumerize • Lever GE Expertise on
the Bank Auto, P-Loans & Mortgage
*Expected to Close January 2007
Targeting $100MM Net Income In 5 Years
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Asia: Growth through Partnerships
SBI Cards – India Hyundai Auto - Korea
• #2 Issuer… SBI #1 Bank in Assets… 51%+ • Maintain 85% Auto Loan Segment Share
Cards in Force vs ’05
ASF - Indonesia Hyundai Card - Korea
• #1 Auto Financier… Increase Astra • Invest in Marketing for Growth… #1 in
Sales Share Web Share of Voice
Partnering With Market Leaders
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Total Asia: Simplification / Productivity
Key Actions
90 bps
90 bps • Japan Model Restructure
28.2% 27.3%
• LCC Targeting Japan, HK &
Singapore
G&A / CV • Pan Asia Card Back Office
• LEAN!
’05 ’06E
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Performing: Solid Growth
Assets ($B) Asia
$45.7 $47.2
~$52.0 • Strong double digit growth ex
Japan
• Diversify Japan platform &
reposition Lake business model
'04 '05 '06E
• Partner in new developing
markets
Net Income ($B)
• Pursue retail banking
$0.9
$1.0 ~$1.0+ opportunities
• Continue to grow diversified
portfolio in Australia
• Drive productivity across the
'04 '05 '06E region
Asia is a strong growth opportunity for GE Money
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