KEY DaTES*
ANNOUNCEMENT OF ANNUAL RESULTS[year ended 30 September 2010]
Thursday, 28 October 2010
ANNUAL GENERAL MEETING
Friday, 17 December 2010 in Adelaide
FINAL DIVIDEND ORDINARY SHARESEx Dividend Date: 4 November 2010
Record Date: 10 November 2010
Payment Date: 17 December 2010

AUSTRALIA
Over 170 years of presence
A top 4 bank
A top 10 listed company
Leader in customer satisfaction
among the major Australian banks
NEW ZEALAND
Over 150 years of presence
The largest bank in New Zealand
Leading market position in all
core banking sectors* If there are changes to these dates, the Australian
Securities Exchange will be notified accordingly

ASIA PACIFIC
The largest Australian bank in Asiawith over 40 years of presence
A leading bank in the South Pacificwith over 130 years of presence
A significant operations hub in
Bangalore, India
EUROPE & AMERICA AND
THE MIDDLE EAST
Representation in the United States,
United Kingdom and Europe, andthe Middle East to support regional
operations

For further information visit:www.shareholder.anz.com

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
INVESTOR RELATIONS
Level 9, 833 Collins StreetDocklands VIC 3008 Australia
Telephone: +61 3 8654 7682
Facsimile: +61 3 8654 9977
Email: investor.relations@anz.com

CONTaCT DETaIlS

United Kingdom
PO Box 82, The Pavilions
Bridgwater Road Bristol BS99 7NH
Telephone: +44 870 702 0000
Facsimile: +44 870 703 6101
New Zealand
Private Bag 92119
Auckland 1142 New Zealand
Telephone: 0800 174 007
Facsimile: +64 9 488 8787

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

anz.com

SHaREHOlDER UpDaTE 2010

KEY DaTES*
ANNOUNCEMENT OF ANNUAL RESULTS[year ended 30 September 2010]
Thursday, 28 October 2010
ANNUAL GENERAL MEETING
Friday, 17 December 2010 in Adelaide
FINAL DIVIDEND ORDINARY SHARESEx Dividend Date: 4 November 2010
Record Date: 10 November 2010
Payment Date: 17 December 2010

AUSTRALIA
Over 170 years of presence
A top 4 bank
A top 10 listed company
Leader in customer satisfaction
among the major Australian banks
NEW ZEALAND
Over 150 years of presence
The largest bank in New Zealand
Leading market position in all
core banking sectors* If there are changes to these dates, the Australian
Securities Exchange will be notified accordingly

ASIA PACIFIC
The largest Australian bank in Asiawith over 40 years of presence
A leading bank in the South Pacificwith over 130 years of presence
A significant operations hub in
Bangalore, India
EUROPE & AMERICA AND
THE MIDDLE EAST
Representation in the United States,
United Kingdom and Europe, andthe Middle East to support regional
operations

For further information visit:www.shareholder.anz.com

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
INVESTOR RELATIONS
Level 9, 833 Collins Street
Docklands VIC 3008 Australia
Telephone: +61 3 8654 7682
Facsimile: +61 3 8654 9977
Email: investor.relations@anz.com

CONTaCT DETaIlS

United Kingdom
PO Box 82, The Pavilions
Bridgwater Road Bristol BS99 7NH
Telephone: +44 870 702 0000
Facsimile: +44 870 703 6101
New Zealand
Private Bag 92119
Auckland 1142 New Zealand
Telephone: 0800 174 007
Facsimile: +64 9 488 8787

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

anz.com

SHaREHOlDER UpDaTE 2010

CHAIRMAN’S NOte John Morschel
Enclosed with this edition of Shareholder Contact
is the advice of your 2010 Interim Dividend of
52 cents per share fully franked, up 6 cents or
13% on the 2009 Interim Dividend.
A more positive credit environment particularly inAustralia and in Asia saw provisions for credit costs
reduce 34%, on the preceding half with underlying
earnings per share for the half year up 15%.
Net profit after tax of $1,925 million for the half year
ended 31 March 2010 was up 26% on the preceding
half and 36% compared to the same half last year.
Across the Group, revenue and profit increased.
Australia performed well with profit up 11%(excluding acquisitions) with positive contributions
from Institutional, Commercial and Wealth.

New Zealand’s performance improved significantly,
although off a low base, as the economy showedsome signs of recovery.
In Asia Pacific we’ve been growing at the sametime as completing the complex integration of
the businesses we acquired from The Royal Bankof Scotland. Profits were up 19% in US dollar
terms on the preceding half.
Finally, in global Institutional Division profit aftertax grew 19% highlighting the genuine progressthat has been made in turning around this businessbased on a clear strategy aligned to ANZ’s superregional objective.
The global financial climate continues to be volatile,
however our strong base in Australia, New Zealandand increasingly in Asia positions ANZ well.

CHIEF EXECUTIVE OFFICER’S NOteMIchael SMITH
The last two years have been an extraordinary period
in global banking. While ANZ has experienced themost significant challenges in a generation, I am
pleased to report to you that we have not only
weathered the financial crisis and the economic
downturn, but that ANZ is one of the few banks inthe world to have come out of the financial crisis
stronger than we went in.
Having a consistent, clearly articulated objective tobuild ANZ into a super regional bank and a stronger
foundation within our business is now allowing
us to take advantage of Australia’s geographic,
business and cultural linkages with the fastest
growing region in the world Asia Pacific.

What’s most encouraging about our Interim result
is the momentum in our underlying financial
performance. We are seeing the benefits fromdifficult decisions that we’ve made to build amore sustainable business and the opportunities
that we have taken to grow.
We have achieved this while still supporting ourcustomers, keeping our people engaged andpassionate about our vision, and contributing
to the community.
Together, our franchise, our clear strategy andthe actions taken to change ANZ, have uniquely
positioned us to ride the wave of growth in theregion and create value for our shareholders.

Group Performance Highlights
$M

1H10

1H10 V 2H09 (HoH)

1H10 V. 1H09 (PCP)Net Profit after Tax

1,925

26%

36%

Underlying Profit^

2,298

23%

20%

Revenue^

7,567

3%

7%

Expenses^

3,249

4%

10%

Provisions^

1,098

-32%

-23%

EPS^

91.3

15%

2%

52

n/a13%

Customer Deposits

238,2122%

5%Interim Dividend (cents)

Net Loans and Advances including Acceptances

347,862

1%-3%

Shareholders Equity

32,5830%

15%

Tier 1 Capital

10.7%^ Presented on an underlying basis
adjusted for any one-off and non-core
items that are not part of the normal
ongoing operations of the Group.
HoH – Half on Half
PCP – Prior Corresponding Period

KEY DaTES*
ANNOUNCEMENT OF ANNUAL RESULTS[year ended 30 September 2010]
Thursday, 28 October 2010
ANNUAL GENERAL MEETING
Friday, 17 December 2010 in Adelaide
FINAL DIVIDEND ORDINARY SHARESEx Dividend Date: 4 November 2010
Record Date: 10 November 2010
Payment Date: 17 December 2010

AUSTRALIA
Over 170 years of presence
A top 4 bank
A top 10 listed company
Leader in customer satisfaction
among the major Australian banks
NEW ZEALAND
Over 150 years of presence
The largest bank in New Zealand
Leading market position in all
core banking sectors* If there are changes to these dates, the Australian
Securities Exchange will be notified accordingly

United Kingdom
PO Box 82, The Pavilions
Bridgwater Road Bristol BS99 7NH
Telephone: +44 870 702 0000
Facsimile: +44 870 703 6101
New Zealand
Private Bag 92119
Auckland 1142 New Zealand
Telephone: 0800 174 007
Facsimile: +64 9 488 8787

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

ASIA PACIFIC
The largest Australian bank in Asiawith over 40 years of presence
A leading bank in the South Pacificwith over 130 years of presence
A significant operations hub in
Bangalore, India
EUROPE & AMERICA AND
THE MIDDLE EAST
Representation in the United States,
United Kingdom and Europe, andthe Middle East to support regional
operations

anz.com
For further information visit:www.shareholder.anz.com

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
INVESTOR RELATIONS
Level 9, 833 Collins Street
Docklands VIC 3008 Australia
Telephone: +61 3 8654 7682
Facsimile: +61 3 8654 9977
Email: investor.relations@anz.com

CONTaCT DETaIlS

SHaREHOlDER UpDaTE 2010