Kuala Lumpur

SHAREHOLDER UPDATECONTACT DETAILS

Share Registry
Australia
GPO Box 2975
Melbourne VIC 3001 Australia
Telephone: 1800 11 33 99 (Within Australia)+61 3 9415 4010 (International Callers)
Facsimile: +61 3 9473 2500
Email: anzshareregistry@computershare.com.au

KEY DATES*New Zealand
Private Bag 92119
Auckland 1142 New Zealand
Telephone: 0800 174 007 (Within New Zealand)Facsimile: +64 9 488 8787

Announcement of Annual Results
year ended 30 September 2013
Tuesday, 29 October 2013

United Kingdom
PO Box 82, The Pavilions
Bridgwater Road Bristol BS99 6ZZ
Telephone: +44 870 702 0000
Facsimile: +44 870 703 6101

Final Dividend Ordinary Shares
Ex Dividend Date: 7 November 2013
Record Date: 13 November 2013
Payment Date: 16 December 2013

For further information visit:
shareholder.anz.com* If there are changes to these dates, the Australian
Securities Exchange will be notified accordingly.

Annual General Meeting
Wednesday, 18 December 2013 in Brisbane

Overview of Financial Performance
1H13 AUDm

Growth vs 2H12

Growth vs 1H12

Cash Profit

3,1828%

10%

Operating Income

9,0860%4%

Operating Expenses

4,034-8%-2%

Provisions

599-13%5%Statutory Net Profit After Tax

2,9407%

1%Earnings Per Share (cents)

117.0

7%7%

Dividend Per Share (cents)

73n/a11%

2.25%

-3bps

-10bps

1H13 AUDb

Growth vs 2H12Growth vs 1H12

Customer Deposits

344

5%12%

Net Loans and Advances1

442

3%

7%

Net Interest Margin

All profit figures other than Statutory
Net Profit After Tax and Dividend arepresented on a cash basis.
1 Including acceptances.

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522

Investor Relations
Level 10, 833 Collins StreetDocklands VIC 3008 Australia
Telephone: +61 3 8654 7682
Facsimile: +61 3 8654 8886
Email: investor.relations@anz.com

2013

ANZ’s statutory profit for the half was $2.9 billion, up 7%
while cash profit rose 8% to $3.2 billion.
The continued progress of ANZ’s super regional
strategy during the half saw diversified revenue growthacross the Group, productivity gains and more efficientmanagement of capital.
Our financial performance and ability to drive capitalefficiencies is allowing us to move the dividend payout
ratio steadily towards the higher end of our 65% to70% target range, with a more balanced split between
the first and second halves. This produced a strong
outcome for shareholders.
CHAIRMAN’S NOTEJOHN MORSCHEL
Enclosed with this Shareholder Update isadvice of your 2013 Interim Dividend of
73 cents per share fully franked, up 11% on
the first half of 2012.

In New Zealand, we maintained our market-leading
position while driving productivity benefits from thefirst phase of our simplification program.

Producing good results like this in a challenging environment
takes hard work and dedication from our staff and, on behalfof our shareholders, I’d like to thank our 47,000 talented andprofessional people for their contribution.

• We continued to produce diversified growth
outcomes and opportunities, which means
ANZ is still a growth company.

ANZ’s 2013 interim result represents a goodperformance. It demonstrates that we aredelivering on our promise to connect ourshareholders and customers to the significant

We are also working hard to contribute more broadly tothe community. For example, our MoneyMinded program
helped an additional 40,000 people to gain control of theirfinances in the last year.
Our performance in the first half demonstrates ANZ isdelivering for shareholders, for customers and for thecommunity. While the economic outlook has softenedslightly, we remain confident about 2013 as a whole.

This half saw us make significant progress in three
key areas:

MICHAEL SMITH

Our Global Wealth division performed well with growthin funds under management, improved returns frominvestment markets and productivity gains.

In Australia, we delivered a good result with revenue
up 2% based on market share gains in retail andcommercial, margin management initiatives andimproving customer satisfaction. Costs were down 3%.

opportunities being created by Asia’s fast-growingeconomies, while building on our traditional strengths
in Australia, New Zealand and the Pacific.

CHIEF EXECUTIVE OFFICER’S NOTEInternational and Institutional Banking continued toextend its geographic reach and to improve customerofferings. We made further investments to expand ourregional presence into Myanmar and by opening a new
branch in Hangzhou in China.

For example, our investments in growing ourgeographic presence, broadening product offeringsand deepening capability in Asia saw ANZ ranked
as one of Asia’s top four commercial banks byGreenwich Associates.
• We made a step change in cost management –something that is necessary in a slower growth world.

the unique potential of our global technology andoperating hubs.
This saw ANZ produce strong productivity outcomeswith the cost-to-income ratio down to 44.4%. This
also allowed us to invest a further $400 million during
the period in growth initiatives including the Banking
on Australia program.
• Importantly our strategy and actions by management
are improving returns to shareholders.
The Group’s overall performance will see us pay
around $2 billion in fully franked dividends toshareholders based on our first half performance.
Finally, our performance positions ANZ strongly, going
into the second half with good momentum on growth
opportunities, on controlling costs and on capitalmanagement.

This reflects progress with our super regional strategy
and actions to simplify the business and to leverage

NZ Imputation Credits
Important News for NZ Shareholders
In our 2013 half year results announcement, weconfirmed that the 2013 interim dividend will carry
New Zealand imputation credits totalling 9 NZ cents
per ordinary share. This will apply to all dividend
amounts to be paid in cash and also to the dividend
amounts relating to all ordinary shares that participate
in the Dividend Reinvestment Plan with respect
to the 2013 interim dividend (but no New Zealand
imputation credits will be attached in connection
with ordinary shares participating in the Bonus

Option Plan). This is the same approach that is takenwith respect to Australian franking credits.

Revenue Department if further information is required
regarding the New Zealand imputation credits.

As a general rule, only New Zealand resident
taxpayers can claim the benefit of New Zealand
imputation credits and they should return theaggregate of the dividend amounts and theNew Zealand imputation credits as gross income intheir income tax return. Shareholders should consult
a professional adviser or the New Zealand Inland

The amount of the New Zealand imputation creditsthat may be attached to future dividends paid on ANZ
ordinary shares will depend upon a number of factors
including the level of earnings and New Zealand tax
paid by ANZ’s New Zealand operations, the numberof ordinary shares on issue, and ANZ’s dividend
distribution policy.