ANZBY / Australia & New Zealand Banking Group Ltd. - ADR - Документы SEC, Годовой отчет, Доверенное заявление

Exhibit (d)

Exhibit (d) June 20, 2014 Citibank, N.A. – ADR Department 388 Greenwich Street New York, New York 10013 Ladies and Gentlemen: We refer to the Registration Statement on Form F-6 (the “Registration Statement”) to be filed with the Securities and Exchange Commission (the “SEC”) by the legal entity created by the Deposit Agreement (as hereinafter defined) for the purpose of registering under the Unite

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As filed with the Securities and Exchange Commission on June 20, 2014 Registration No.

AMENDED AND RESTATED DEPOSIT AGREEMENT by and among AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED CITIBANK, N.A., as Depositary, THE HOLDERS AND BENEFICIAL OWNERS OF AMERICAN DEPOSITARY SHARES ISSUED HEREUNDER Dated as of [DATE] TABLE OF CONTENTS A

Exhibit (a) AMENDED AND RESTATED DEPOSIT AGREEMENT by and among AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED AND CITIBANK, N.

November 30, 1994

November 30, 1994 Australia and New Zealand Banking Group Limited 100 Queen Street Melbourne, Victoria 3000 Australia Re: Deposit Agreement (the "Deposit Agreement") substantially in the form of that filed as an exhibit to the Form F-6 Registration Statement filed with the Securities and Exchange Commission on November 30, 1994, by and among Australia and New Zealand Banking Group Limited (the "Issuer"), The Bank of New York, as Depositary, and the Holders of American Depositary Receipts Dear Sirs: We refer to the Deposit Agreement.

Exhibit 6

Exhibit 6 POWER OF ATTORNEY Each person whose signature appears below authorizes Peter Ralph Marriott as attorney-in-fact, to sign, pursuant to the requirements of the Securities Act of 1933, one or more registration statements on Form F-6, and any amendments thereto, regarding the registration of Depositary Shares evidenced by American Depositary Receipts representing ordinary shares of Australia and New Zealand Banking Group Limited, on his or her behalf, individually and in each capacity stated below, and to file any such registration statement or amendment with the Securities and Exchange Commission.

As filed with the Securities and Exchange Commission on October 5, 2010

F-6 1 anzformf6.htm FORM F-6 As filed with the Securities and Exchange Commission on October 5, 2010 Registration No. 333- SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM F-6 REGISTRATION STATEMENT under THE SECURITIES ACT OF 1933 For American Depositary Receipts of AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) (Exact name of issuer of deposited securities as

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) THE BANK OF NEW YORK as Depositary OWNERS AND HOLDERS OF AMERICAN DEPOSITARY RECEIPTS Amended and Restated Deposit Agreement Dated as of December 9, 1988 Amended and Restated as of

[EXECUTION COPY] AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) AND THE BANK OF NEW YORK as Depositary AND OWNERS AND HOLDERS OF AMERICAN DEPOSITARY RECEIPTS Amended and Restated Deposit Agreement Dated as of December 9, 1988 Amended and Restated as of December 6, 1994 Amended and Restated as of March 28, 2003 As Further Amended and Restated as of July 13, 2007 AMENDED AND RE

Writer’s Direct Dial

Writer’s Direct Dial EXHIBIT 4 EMMET, MARVIN & MARTIN, LLP COUNSELLORS AT LAW 120 Broadway New York, New York 10271 (212) 238-3000 (212) 653-1760 Fax: (212) 238-3100 Fax: (212) 653-1730 http://www.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15F CERTIFICATION OF A FOREIGN PRIVATE ISSUER’S TERMINATION OF REGISTRATION OF A CLASS OF SECURITIES UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ITS TERMIN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15F CERTIFICATION OF A FOREIGN PRIVATE ISSUER’S TERMINATION OF REGISTRATION OF A CLASS OF SECURITIES UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ITS TERMINATION OF THE DUTY TO FILE REPORTS UNDER SECTION 13(a) OR SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 0-18262 Australia

POWER OF ATTORNEY

EXHIBIT 7 POWER OF ATTORNEY Each person whose signature appears below authorizes John McFarlane, Peter Ralph Marriott, Marian Frances Gibney, John William Priestley and Al Chircop, and each of them, as attorneys-in-fact, to sign, pursuant to the requirements of the Securities Act of 1933, any amendment, including post-effective amendments, to the registration on Form F-6 (Registration No.

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) THE BANK OF NEW YORK

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) AND THE BANK OF NEW YORK as Depositary AND OWNERS AND HOLDERS OF AMERICAN DEPOSITARY RECEIPTS Amended and Restated Deposit Agreement Dated as of December 9, 1988 Amended and Restated as of December 6, 1994 Amended and Restated as of March 28, 2003 As Further Amended and Restated as of , 2007 AMENDED AND RESTATED DEPOSIT AGREEMENT

As filed with the Securities and Exchange Commission on July 13, 2007

As filed with the Securities and Exchange Commission on July 13, 2007 Registration No.

As filed with the Securities and Exchange Commission on July 11, 2007

S-8 POS 1 a07-182502s8pos.htm S-8 POS As filed with the Securities and Exchange Commission on July 11, 2007 Registration No. 333-104594 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT NO. 333-104594 UNDER THE SECURITIES ACT OF 1933 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED A.B.N. 11 005 357 522 (Exact Name of Registr

ANZ Tier One Hybrid Capital Raising

6-K 1 a07-1825016k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For 1 June 2007 and the period from 5 June 2007 to 6 July 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6,100 Queen Street Melbourn

UNITED STATES

25 1 a07-17848225.htm 25 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 25 NOTIFICATION OF REMOVAL FROM LISTING AND/OR REGISTRATION UNDER SECTION 12(b) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number 0-18262 Australia and New Zealand Banking Group Limited; New York Stock Exchange (Exact name of Issuer as specified in its charter, and name of Exchange wher

As filed with the Securities and Exchange Commission on , 2007

POS AM 1 a07-178481posam.htm F-3 As filed with the Securities and Exchange Commission on , 2007 Registration No. 333-113524 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 2 TO FORM F-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED A.B.N. 11 005 357 522 (Exact Name of Registrant as Specified in Its Cha

Half year ended 31 March 2007

6-K 1 a07-14714106k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 27 June 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal

Signatures

6-K 1 a07-1471486k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 22 June 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal e

Signatures

6-K 1 a07-1471496k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 20 June 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal e

Signatures

6-K 1 a07-1471476k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 12 June 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal e

Appendix 3Y — Share Transaction by Mr John McFarlane

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offic

Signatures

6-K 1 a07-1471466k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 7 June 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal ex

Part I — Information Sent to Security Holders Part II — Information Not Required to be Sent to Security Holders Part III — Consent to Service of Process

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 11) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Ex

Signatures

6-K 1 a07-1471426k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 18 May 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal ex

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 18 May 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate b

Part I – Information Sent to Security Holders Part II – Information Not Required to be Sent to Security Holders Part III – Consent to Service of Process

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 10) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Ex

Part I — Information Sent to Security Holders Part II — Information Not Required to be Sent to Security Holders Part III — Consent to Service of Process

CB/A 1 a07-887614cba.htm CB UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 9) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8)

Part II — Information Not Required to be Sent to Security Holders

CB/A 1 a07-887613cba.htm CB/AMENDMENT 8 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 8) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 9 May 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate by

ANZ supports Bank of Tianjin expansion following strong growth

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of April 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

Appendix 3B

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of April 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

NOTICE UNDER SECTION 650F OF THE CORPORATIONS ACT 2001 (Cth)

Exhibit 1 Corporate Communications 100 Queen Street Melbourne Vic 3000 www.anz.com For Release: 23 April 2007 ANZ acquires controlling stake in E*TRADE Australia ANZ today confirmed it now owns a controlling interest in E*TRADE Australia following the on market purchase this morning of 7,500,891 shares (at $4.30) increasing its beneficial ownership to 50.02%. For media enquiries contact: Paul Edwa

Australia and New Zealand Banking Group Limited Half year ended 31 March 2007

6-K 1 a07-887676k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 26 April 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal e

Part I – Information Sent to Security Holders Part II – Information Not Required to be Sent to Security Holders Part III – Consent to Service of Process

CB/A 1 a07-88769cba.htm CB/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 7) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8

Part I — Information Sent to Security Holders Part II — Information Not Required to be Sent to Security Holders Part III — Consent to Service of Process

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 6) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Exc

Part I — Information Sent to Security Holders Part II — Information Not Required to be Sent to Security Holders Part III — Consent to Service of Process

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 5) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Exc

Part I – Information Sent to Security Holders Part II – Information Not Required to be Sent to Security Holders Part III – Consent to Service of Process

CB/A 1 a07-88765cba.htm CB UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 4) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8)

30 March 2007

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For 19 February 2007 and the Period from 3 March 2007 to 31 March 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Au

Part I – Information Sent to Security Holders Part II – Information Not Required to be Sent to Security Holders Part III – Consent to Service of Process

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 3) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Exc

Appendix 3B DOCUMENTS INCORPORATED BY REFERENCE SUMMARY OF THE PROGRAMME CONDITIONS OF THE SECURITIES Appendix 3B DOCUMENTS INCORPORATED BY REFERENCE SUMMARY OF THE PROGRAMME CONDITIONS OF THE SECURITIES Appendix 3B DOCUMENTS INCORPORATED BY REFERENC

6-K 1 a07-887636k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the period from 03 March 2007 to 31 March 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3

Part I — Information Sent to Security Holders Part II — Information Not Required to be Sent to Security Holders Part III — Consent to Service of Process

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 2) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Exc

CB/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM (AMENDMENT NO. 1) Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offer) o Exc

Part I – Information Sent to Security Holders Part II – Information Not Required to be Sent to Security Holders Part III – Consent to Service of Process

CB 1 a06-2274827cb.htm CB UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form CB TENDER OFFER/RIGHTS OFFERING NOTIFICATION FORM Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to file this Form: Securities Act Rule 801 (Rights Offering) o Securities Act Rule 802 (Exchange Offer) o Exchange Act Rule 13e-4(h)(8) (Issuer Tender Offe

United States Securities and Exchange Commission Washington, D.C. 20549 Form F-X APPOINTMENT OF AGENT FOR SERVICE OF PROCESS AND UNDERTAKING

United States Securities and Exchange Commission Washington, D.C. 20549 Form F-X APPOINTMENT OF AGENT FOR SERVICE OF PROCESS AND UNDERTAKING A. Name of issuer or persons filing (“Filer”): Australia and New Zealand Banking Group Limited B. (1) This is [check one]: [ X ] an original filing for the Filer [ ] an amended filing for the Filer (2) Check the following box if you are filing the Form F-X in

Appendix 3X

6-K 1 a06-22748256k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Period from 5 February 2007 to 2 March 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victori

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 2 March 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate

Signatures

6-K 1 a06-22748236k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 27 February 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of princi

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 21 February 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indic

Signatures

6-K 1 a06-22748216k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 20 February 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of princi

Signatures

6-K 1 a06-22748196k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 16 February 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of princi

Appendix 3Y — Share Transactions by Mr John McFarlane

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of January 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

Appendix 3B

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of January 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 1 February 2007 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indica

Exhibit 1

Exhibit 1 Australia and New Zealand Banking Group Limited Constitution Constitution incorporating amendments effective at 16 December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 100 Queen Street Melbourne Victoria 3000 Australia Telephone (61 3) 9273 5555 Facsimile (61 3) 9273 6142 www.

Adoption of the Remuneration Report Appendix 3Y – Share Transactions by Mr John McFarlane

6-K 1 a06-22748136k.htm CURRENT REPORT OF FOREIGN ISSUER SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of December 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne

Annual Report

2006 US Form 20-F Annual Report Australia and New Zealand Banking Group Limited ABN 11 005 357 522.

8 January 2007

Level 32, 100 Queen Street Melbourne Vic 3000 Phone 03 9273 6607 Fax 03 9273 6016 Email Marriop1@anz.

906 Certifications

Exhibit 13.1 Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group Limited, a public company incor

I, Peter R Marriott, certify that:

Exhibit 12.2 I, Peter R Marriott, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited-the company; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were

302 Certifications

Exhibit 12.1 I, John McFarlane, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited-the company; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were ma

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.2 Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group Limited, a public company incor

Material Contracts

Exhibit 4.1.1 LIMITED LIABILITY PARTNERSHIP CONFORMED COPY 25 SEPTEMBER 2006 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (AUSTRALIAN BUSINESS NUMBER 11 005 357 522) (as Issuer) ANZ NATIONAL BANK LIMITED (formerly ANZ Banking Group (New Zealand) Limited and comprising the statutory amalgamation with The National Bank of New Zealand Limited) (as Issuer and Guarantor of Notes issued by ANZ Nation

GENERAL

Level 32, 100 Queen Street Melbourne Vic 3000 Phone 03 9273 6607 Fax 03 9273 6016 Email Marriop1@anz.

General

Level 32, 100 Queen Street Melbourne Vic 3000 Phone 03 9273 6607 Fax 03 9273 6016 Email Marriop1@anz.

Note 57(xi) - Accounting for the Impairment of Loans, page 112 General

Level 32, 100 Queen Street Melbourne Vic 3000 Phone 03 9273 6717 Fax 03 9273 6707 Email ceo@anz.

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 5 December 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indica

Appendix 3B (Australian Business Number 74 082 818 175) Appendix 3B (Australian Business Number 74 082 818 175)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 30 November 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indic

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 21 & 24 November 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices)

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 21 November 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indic

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 14 November 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Tra

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 14 November 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indic

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of October 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

Signatures

6-K 1 a06-2274816k.htm CURRENT REPORT OF FOREIGN ISSUER SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 25 & 26 October 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of September 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

Component of US GAAP allowance for loan loss

29 September 2006 Mr Donald A. Walker Senior Assistant Chief Accountant Securities and Exchange Commission Division of Corporation Finance 100 F Street NE Washington DC 20549 Dear Mr Walker Re: Australia and New Zealand Banking Group Form 20-F for the fiscal year ended September 30, 2005 File No. 001-11760 We thank you for your letter dated September 14, 2006 with comments from the staff of the US

ABN 11 005 357 522

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 11 September 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indi

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of September 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 30 August 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicat

2005 $m

11 August 2006 Mr Donald A. Walker Senior Assistant Chief Accountant Securities and Exchange Commission Division of Corporation Finance 100 F Street NE Washington DC 20549 Dear Mr Walker Re: Australia and New Zealand Banking Group Form 20-F for the fiscal year ended September 30, 2005 File No. 001-11760 We refer to your letter dated July 31, 2006 with comments from the staff of the US Securities a

Global Economy

Exhibit 99.3 Economics Update Australia and New Zealand Banking Group Limited 19 July 2006 Cam Bagrie – NZ Chief Economist Paul Braddick – Head of Financial System Tony Pearson – Head of Australian Economics Global Economy Sources: National agencies, IMF, OECD and Economics@ANZ. World economic growth40 year average Heading for the strongest sustained period of global growth since the early 1970sNo

Success in Personal due to an effective business system Strategy Products & Distribution Brand Investment Customers Financial Performance Employees “More Convenient Banking”

Exhibit 99.1 Brian Hartzer Group MD Personal Personal Division Discussion Pack Australia and New Zealand Banking Group Limited July 2006 CEO Personal Division OverviewPersonal Institutional New Zealand Mortgages Consumer Finance Banking Products Retail Banking Regional, Rural and Small Business Investments & Insurance Pacific Esanda Note: Esanda, Pacific and Small Business effective May 2006 Stron

The Partnership Risk Framework varies with the extent of controlExample Objective Approach International Partnership Equity Minority EquityEquity Accounted (20%) Significant Management InfluenceEquity Accounted (40%) SubsidiaryConsolidated (85%) Buil

Exhibit 99.2 Risk Management - a CRO’s view Peter Hodgson Chief Risk Officer July 2006 Contents My view on risk management and risk environment ANZs risk appetite framework Consumer risk environment Stress testing overview International Partnerships risk framework Risk management should be predictive Risk management should be proactive rather than reactive Risk appetite needs to be clearly communi

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of August 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive of

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 11 July 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Transla

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 11 July 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of July 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offi

Signatures

6-K 1 a06-1339216k.htm CURRENT REPORT OF FOREIGN ISSUER SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of June 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Vict

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of June 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offi

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2006 Australia and New Zealand Banking Group Limited ACN 005 357

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offic

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2006 Australia and New Zealand Banking Group Limited ACN 005 357

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offic

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2006 Australia and New Zealand Banking Group Limited ACN 005 357

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offic

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2006 Australia and New Zealand Banking Group Limited ACN 005 3

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of March 2006 Australia and New Zealand Banking Group Limited ACN 005 3

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of March 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

20 Broad Street, 13th floor

6-K 1 a06-826016k.htm CURRENT REPORT OF FOREIGN ISSUER SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of March 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Vict

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of March 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of March 2006 Australia and New Zealand Banking Group Limited ACN 005 3

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of March 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

Independent Review Report

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of February 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 22 February 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indic

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of February 2006 Australia and New Zealand Banking Group Limited ACN 00

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of February 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of January 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of January 2006 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of January 2006 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of December 2005 Australia and New Zealand Banking Group Limited ACN 00

6-K 1 a05-2230816k.htm CURRENT REPORT OF FOREIGN ISSUER SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of December 2005 Australia and New Zealand Banking Group Limited ACN 00

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

Impact of adopting Australian equivalents to International Financial Reporting Standards

2005 US Form 20-F Annual Report Australia and New Zealand Banking Group Limited ABN 11 005 357 522.

VARIATION TO SCHEDULE 1 Position, Reporting Arrangements and Location 2 Operative Date 3 Remuneration 4 Leave 5 Ownership of Intellectual Property and Trade Secrets 6 Values and Ethical Standards 7 Conduct 9 Confidential Information 10 Restraint

Exhibit 4.1.1 [ANZ NATIONAL BANK LETTTERHEAD] 3 March 2005 Sir John Anderson C/o NBNZ House 1 Victoria Street WELLINGTON Dear Sir John The Board of Directors is very pleased that we have mutually agreed on an extension of your contract to 15 April 2006. On behalf of the ANZ National Board, we hereby confirm that variations to your existing contract dated 5 December 2003 as stated below. This lette

I, John McFarlane, certify that:

Exhibit 12 CERTIFICATION (302) Exhibit 12.1 I, John McFarlane, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited – the registrant; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances

Australia and New Zealand Banking Group Limited Constitution incorporating amendments effective at 16 December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 100 Queen Street Melbourne Victoria 3000 Australia Telephone (61 3) 92

Exhibit 1 Australia and New Zealand Banking Group Limited Constitution Constitution incorporating amendments effective at 16 December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 100 Queen Street Melbourne Victoria 3000 Australia Telephone (61 3) 9273 5555 Facsimile (61 3) 9273 6142 www.

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13 CERTIFICATION (906) Exhibit 13.1 Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 6 December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Tran

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 6 December 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indica

Signatures

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 00

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 00

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 00

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of November 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of October 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of October 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of October 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of October 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive o

Independent Review Report

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of September 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of September 2005 Australia and New Zealand Banking Group Limited ACN 0

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of September 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of August 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of August 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive of

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of August 2005 Australia and New Zealand Banking Group Limited ACN 005

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of August 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive of

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of regis

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate by check mark

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of June 2005 Australia and New Zealand Banking Group Limited ACN 005 35

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of June 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offi

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of June 2005 Australia and New Zealand Banking Group Limited ACN 005 35

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of June 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offi

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2005 Australia and New Zealand Banking Group Limited ACN 005 357

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of May 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offic

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2005 Australia and New Zealand Banking Group Limited ACN 005 3

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2005 Australia and New Zealand Banking Group Limited ACN 005 3

6-K 1 a05-783126k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Month of April 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address

CONSOLIDATED FINANCIAL STATEMENTS – TABLE OF CONTENTS

6-K 1 a05-742826k.htm 6-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offic

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 26 April 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Transl

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 26 April 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive offices) Indicate by ch

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2005 Australia and New Zealand Banking Group Limited ACN 005 3

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13A-16 OR 15D-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2005 Australia and New Zealand Banking Group Limited ACN 005 357 522 (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria 3000 Australia (Address of principal executive off

1. The following definitions are to be added to Section 101: 2. All references to the term “Australian Corporations Law” are hereby replaced throughout the Indenture with the term “Australian Corporations Act.” 3. The following definitions in Secti

Ex 4.1B AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.B.N. 11 005 357 522), As Issuer, TO J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION (as successor trustee to Bank One, N.A., formerly known as The First National Bank of Chicago), As Trustee, Second Supplemental Indenture Dated as of [ ] [ ], [ ] To Indenture Dated as of February 28, 1996 SECOND SUPPLEMENTAL INDENTURE, dated as of [ ] [ ],

POWER OF ATTORNEY

Exhibit 24.2 POWER OF ATTORNEY Each person whose signature appears below authorizes John McFarlane, Peter Ralph Marriott, Scott McInnis and Judith Susan Downes and each of them, as attorneys-in-fact, to sign, pursuant to the requirements of the Securities Act of 1933, a registration statement on Form F-3 relating to the registration of the senior debt securities and subordinated debt securities of

1. The following definitions are hereby added to Section 101: 2. All references to the term “Australian Corporations Law” are hereby replaced throughout the Indenture with the term “Australian Corporations Act.” 3. The following definitions in Sect

Exhibit 4.2B AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.B.N. 11 005 357 522), As Issuer, TO DEUTSCHE BANK TRUST COMPANY AMERICAS, (as successor trustee to The Bank of New York) As Trustee, Second Supplemental Indenture Dated as of [ ] —, [ ] To Indenture Dated as of January 15, 1994 SECOND SUPPLEMENTAL INDENTURE, dated as of [ ] [ ], [ ], between AUSTRALIA AND NEW ZEALAND BANKING GROUP LIM

ARTICLE II

EX-25.2 16 a2152340zex-252.htm EXHIBIT 25.2 Exhibit 25.2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) DEUTSCHE BANK TRUST COMPANY AMERICAS (formerly BANKERS TRUST

[SUBORDINATED FIXED RATE NOTE] [Face of Note]

Exhibit 4.5 [SUBORDINATED FIXED RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THEREO

Australian GAAP (in millions except for ratios)

Exhibit 12 Australian GAAP (in millions except for ratios) Year Ended September 30, 2004 2003 2002 2001 2000 1999 Computation of ratio of earnings to fixed charges on the basis of Australian GAAP Earnings: Pre-tax income from continuing operations before adjustment for minority interests in consolidated subsidiaries or income or loss from equity investees 3,842 3,171 3,192 2,808 2,786 2,224 Add: F

As filed with the Securities and Exchange Commission on March 10, 2005

QuickLinks - Click here to rapidly navigate through this document As filed with the Securities and Exchange Commission on March 10, 2005 Registration No.

[SENIOR FLOATING RATE NOTE] [Face of Note]

Exhibit 4.4 [SENIOR FLOATING RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THEREOF,

[SENIOR FIXED RATE NOTE] [Face of Note]

Exhibit 4.3 [SENIOR FIXED RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THEREOF, EXC

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO

Exhibit 25.1 SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) J. P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of trustee as specified in its charter) 95-4655078 (State

[SUBORDINATED FLOATING RATE NOTE] [Face of Note]

Exhibit 4.6 [SUBORDINATED FLOATING RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THE

Issue of shares Cancellation of shares Transfer of shares Changes to amounts paid Changes to beneficial ownership Issue of shares Cancellation of shares Transfer of shares Changes to amounts paid Changes to beneficial ownership Issue of sh

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the Month of February 2005 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indi

Issue of shares Cancellation of shares Transfer of shares Changes to amounts paid Changes to beneficial ownership Issue of shares Cancellation of shares Transfer of shares Changes to amounts paid Changes to beneficial ownership

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the Month of January 2005 Australian and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6,100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indic

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the Month of January 2005 Australia and New Zealand Banking Group Limited

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the Month of January 2005 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indic

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.1 CERTIFICATION (906) Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group Limited, a

1 Position, Reporting Arrangements and Location 2 Operative Date 3 Remuneration 4 Performance Management Plans 5 Termination of Employment 6 Relevant law

Exhibit 4.1.5 16 June 2004 Mr Grahame Miller 11 Blackfriars Close TOORAK 3142 Dear Grahame, On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to formally advise you of your appointment to the position of Head of Integration, ANZ New Zealand. This letter sets out the terms of your secondment, and constitutes your secondment agreement with ANZ (“secondment agreement”

1 Position, Reporting Arrangements and Location 2 Operative Date 3 Remuneration 4 Leave 5 Ownership of Intellectual Property and Trade Secrets 6 Values and Ethical Standards 7 Conduct 9 Confidential Information 10 Restraint 11 Disciplinary Action 12

Exhibit 4.1.6 21 October 2004 Mr Peter Hodgson 17/530 Collins St Melbourne Dear Peter On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to formally advise you of your appointment to the position of Chief Risk Officer. This letter sets out the terms of your employment, and constitutes your employment agreement with ANZ (“employment agreement”). This employment agree

1. Position, Reporting Arrangements and Location 2. Term of Employment 3. Remuneration 5. Ownership of Intellectual Property and Trade Secrets 6. Values and Ethical Standards 7. Conduct 8. Policies and Procedures, Performance Management Plans 9. Conf

Exhibit 4.1.3 Corporate Headquarters PO Box 1791 Wellington New Zealand Phone: 0-4-494 4000 Fax: 0-4-494 4504 1 January 2004 Sir John Anderson c/o NBNZ House 1 Victoria Street WELLINGTON Dear Sir John I am pleased to advise you formally of your appointment to the position of Chief Executive Officer, The National Bank of New Zealand Limited. It is intended that you become Chief Executive Officer of

1 Position, Reporting Arrangements and Location 2 Term of Employment Agreement 3 Remuneration 4 Leave 5 Ownership of Intellectual Property and Trade Secrets 6 Values and Ethical Standards 7 Conduct 9 Confidential Information 10 Restraint 11

Exhibit 4.1.2 12 March 2004 Mr Steve Targett 74 Riverside One Hester Road London , SW11 4AN United Kingdom Dear Steve On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to offer you employment with ANZ. This letter sets out the terms of your employment should you accept this offer and those conditions be satisfied, and will constitute your employment agreement with

Item 14: Material Modifications to the Rights of Security Holders and Use of Proceeds

Securities and Exchange Commission Washington, D.C. 20549 Form 20-F (MarkOne) o Registration Statement pursuant to Section 12(b) or (g) of the Securities Exchange Act of 1934 or ý Annual Report pursuant to Sections 13 or 15(d) of the Securities Exchange Act of 1934 o Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to For the f

2. Operative Date 3. Remuneration 12. Termination of Employment 1. Current Position, Reporting Arrangements and Location 2. Operative Date 3. Remuneration 4. Leave 5. Ownership of Intellectual Property and Trade Secrets 6. Values and Ethical Standard

Exhibit 4.1.4 26 October 2004 Mr John McFarlane Chief Executive Officer ANZ Banking Group Limited 32/100 Queen Street Melbourne Vic 3000 Dear John The Board of Directors is very pleased that we have mutually agreed for an extension of a further 12 months to 30 September 2007. We congratulate you on your continuing leadership of the Bank for our shareholders, our people, our customers and the commu

1 Position, Reporting Arrangements and Location 2 Operative Date 3 Remuneration 4 Leave 5 Ownership of Intellectual Property and Trade Secrets 6 Values and Ethical Standards 7 Conduct 9 Confidential Information 10 Restraint 11 Disciplinary A

Exhibit 4.1.1 23 January 2004 Richard Moore Sydney 2000 Dear Richard On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to offer you employment with ANZ. This letter sets out the terms of your employment, and constitutes your employment agreement with ANZ (“employment agreement”). This employment agreement replaces all existing agreements, arrangements, or understan

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.2 Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group Limited, a public company incor

I, John McFarlane, certify that:

Exhibit 12.1 CERTIFICATION (302) I, John McFarlane, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited – the registrant; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under whic

I, Peter R Marriott, certify that:

Exhibit 12.2 I, Peter R Marriott, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited — the registrant; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

Financial information including the Consolidated Statements of Financial Performance, Financial Position and Cash Flows.

6-K 1 a04-1386016k.htm 6-K FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

Operating surplus before tax Operating surplus Movement in equity for the period ASSETS LIABILITIES EQUITY Net cash flow from operating activities Net cash flow from investing activities Net cash flow from financing activities Closing cash and cash e

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

6-K 1 a04-491436k.htm 6-K FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate by check mark whether the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of April, 2004 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indica

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of March, 2004 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indica

[SUBORDINATED FIXED RATE NOTE] [Face of Note]

Exhibit 4.5 [SUBORDINATED FIXED RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THEREO

Australian GAAP

Exhibit 12 Australian GAAP (in millions except for ratios) Year Ended September 30, 2003 2002 2001 2000 1999 Computation of ratio of earnings to fixed charges on the basis of Australian GAAP Earnings: Operating profit (loss) before income tax 3277 3,223 2,783 2,789 2,222 Add: Fixed charges excluding interest capitalized 5,955 5,073 6,469 6,488 5,082 Amortisation of previously capitalized interest

[SENIOR FIXED RATE NOTE] [Face of Note]

EX-4.3 5 a2129650zex-43.htm EXHIBIT 4.3 Exhibit 4.3 [SENIOR FIXED RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN

1. The following definitions are hereby added to Section 101: 2. All references to the term “Australian Corporations Law” are hereby replaced throughout the Indenture with the term “Australian Corporations Act.” 3. The following definitions in Sect

Exhibit 4.2B AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.B.N. 11 005 357 522), As Issuer, TO THE BANK OF NEW YORK, As Trustee, Second Supplemental Indenture Dated as of [ ], 2004 To Indenture Dated as of January 15, 1994 SECOND SUPPLEMENTAL INDENTURE, dated as of [ ], 2004, between AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.B.N. 11 005 357 522), a corporation duly incorporated and e

[SUBORDINATED FLOATING RATE NOTE] [Face of Note]

Exhibit 4.6 [SUBORDINATED FLOATING RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THE

[SENIOR FLOATING RATE NOTE] [Face of Note]

Exhibit 4.4 [SENIOR FLOATING RATE NOTE] [Face of Note] IF THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF THEN THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF ANY PERSON OTHER THAN THE DEPOSITARY OR A NOMINEE THEREOF,

1. The following definitions are to be added to Section 101: 2. All references to the term “Australian Corporations Law” are hereby replaced throughout the Indenture with the term “Australian Corporations Act.” 3. The following definitions in Secti

Exhibit 4.1B AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.B.N. 11 005 357 522), As Issuer, TO BANK ONE, N.A. (formerly known as The First National Bank of Chicago), As Trustee, Second Supplemental Indenture Dated as of [ ], 2004 To Indenture Dated as of February 28, 1996 SECOND SUPPLEMENTAL INDENTURE, dated as of [ ], 2004, between AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.B.N. 11 0

As filed with the Securities and Exchange Commission on March 11, 2004

QuickLinks - Click here to rapidly navigate through this document As filed with the Securities and Exchange Commission on March 11, 2004 Registration No.

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of February, 2004 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Ind

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Signatures

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of December , 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) In

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Signatures

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of November 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indi

1 INTERPRETATION 3 TERM AND CONSIDERATION 4 TERMINATION OF EXISTING LICENCES 5 QUALITY AUDITOR 6 QUALITY REQUIREMENTS AND USE OF TRADE MARKS 7 NO ENCUMBRANCES 8 BLACK HORSE BRANDS 9 LLOYDS TSB COPYRIGHTS 10 FURTHER ASSIGNMENTS OF LLOYDS TSB C

Exhibit 4.1.3 Trade Mark Licence Lloyds TSB Bank plc (Licensor) The National Bank of New Zealand Limited (Licensee) This is the form of Trade Mark Licence described in clause 1.1 of the Share Sale Agreement dated on or about 24 October 2003 between Lloyds TSB Bank plc, Lloyds Bank Subsidiaries Limited, Australia and New Zealand Banking Group Limited and ANZ Banking Group (New Zealand) Limited and

USD EQUIVALENT OF £2,000,000,000 REVOLVING LOAN FACILITY

Exhibit 4.1.4 [LLOYDS TSB LETTERHEAD] 28 November 2003 The Directors NBNZ International Limited C/- London Branch Faryners House 25 Monument Street (PO Box 545) London EC3R 8BQ United Kingdom Dear Sirs USD EQUIVALENT OF £2,000,000,000 REVOLVING LOAN FACILITY We Lloyds TSB Bank plc (the “Bank”) are pleased to offer to NBNZ International Limited, (London Branch) (“NBNZI”) (a wholly-owned subsidiary

Underwriting Agreement Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Morgan Stanley Dean Witter Australia Securities Limited ABN 55 078 652 276 Citigroup Global Markets Australia Pty Limited ABN 64 003 114 832

Exhibit 4.1.1 BLAKE DAWSON WALDRON LAWYERS Underwriting Agreement Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Morgan Stanley Dean Witter Australia Securities Limited ABN 55 078 652 276 Citigroup Global Markets Australia Pty Limited ABN 64 003 114 832 PRIVILEGED AND CONFIDENTIAL 24 October 2003 Level 41, Grosvenor Place 225 George Street Sydney NSW 2000 Ref: SJD.BCM.03-1346-5

1 Overview 2 Appointment of Underwriters 3 Conditions precedent 4 Scope of underwriting 5 Fees and expenses 6 Allocations 7 Settlement 8 Undertakings of ANZ 9 Undertakings of the Underwriters 10 Indemnity 11 Announcements and publicity 12

Exhibit 4.1.5 Strictly Private & Confidential 23 October 2003 Australia and New Zealand Banking Group Limited Level 34 100 Queen Street Melbourne VIC 3000 Dear Sirs, Volume underwritten capital raising for Australia and New Zealand Banking Group Limited 1 Overview Deutsche Bank AG, Sydney Branch (ABN 13 064 165 162) and Morgan Stanley & Co. International Limited (the Underwriters or we) are please

FIRST SCHEDULE - SUBSIDIARIES (Clause 1.1)

EX-4.1B 5 a03-55182ex4d1b.htm EX-4.1B Exhibit 4.1.2 Share Sale Agreement Lloyds TSB Bank plc Lloyds Bank Subsidiaries Limited Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ANZ Banking Group (New Zealand) Limited TABLE OF CONTENTS 1 INTERPRETATION 1.1 Definitions 1.2 Construction of References 1.3 General Interpretation 1.4 Deemed New Zealand Companies 1.5 Currencies 2 SALE A

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.1 CERTIFICATION (906) Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group Limited, a

REMUNERATION ENTITLEMENTS, INCLUDING PAYMENTS ON TERMINATION

Exhibit 4.2.1 23 April 2003 Mr Timothy L’Estrange Dear Tim, On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to offer you employment with ANZ. This offer is conditional upon ANZ satisfactorily completing reference checking. This letter sets out the terms of your employment, and constitutes your employment agreement with ANZ (“employment agreement”). (References to

I, John McFarlane, certify that:

Exhibit 12.1 CERTIFICATION (302) I, John McFarlane, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited – the registrant; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a materialfact necessary to make the statements made, in light of the circumstances under which

EX-4.2B

Exhibit 4.2.2 14 January 2003 Mr Greg Camm 32/100 Queen St MELBOURNE VIC 3000 Dear Greg, On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to formally advise you of your appointment to the position of Managing Director, ANZ New Zealand. This letter sets out the terms of your employment, and constitutes your employment agreement with ANZ (“employment agreement”). Th

Australia and New Zealand Banking Group Limited Constitution approved at the Extraordinary General Meeting held on 13 August 2003 Australia and New Zealand Banking Group Limited ACN 005 357 522 100 Queen Street Melbourne Victoria 3000 Australia Telep

Exhibit 1 Australia and New Zealand Banking Group Limited Constitution Constitution approved at the Extraordinary General Meeting held on 13 August 2003 Australia and New Zealand Banking Group Limited ACN 005 357 522 100 Queen Street Melbourne Victoria 3000 Australia Telephone (61 3) 9273 5555 Facsimile (61 3) 9273 6142 www.

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.2 CERTIFICATION (906) Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of Australia and New Zealand Banking Group Limited, a

REMUNERATION ENTITLEMENTS, INCLUDING PAYMENTS ON TERMINATION

EX-4.2C 11 a03-55182ex4d2c.htm EX-4.2C Exhibit 4.2.3 13 August 2003 Michael Grime 32/100 Queen St. Melbourne Vic 3000 Dear Mike On behalf of Australia and New Zealand Banking Group Limited (“ANZ”), I am pleased to offer you employment with ANZ. This offer is conditional upon you obtaining permanent residence status in Australia and lawfully terminating your current employment with Standard Charter

I, Peter R Marriott, certify that:

Exhibit 12.2 CERTIFICATION (302) I, Peter R Marriott, certify that: 1. I have reviewed this annual report on Form 20-F of Australia and New Zealand Banking Group Limited the registrant; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a materialfact necessary to make the statements made, in light of the circumstances under which

Securities and Exchange Commission Washington, D.C. 20549 Form 20-F (Mark One) o Registration Statement pursuant to Section 12(b) or (g) of the Securities Exchange Act of 1934

Securities and Exchange Commission Washington, D.C. 20549 Form 20-F (Mark One) o Registration Statement pursuant to Section 12(b) or (g) of the Securities Exchange Act of 1934 or ý Annual Report pursuant to Sections 13 or 15(d) of the Securities Exchange Act of 1934 o Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to For the

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of November 2003 Australia and New Zealand Banking Group Limite

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of November 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indi

The ANZ Agenda

EXHIBIT 99.1 2003 ANZ Annual Report Strong Different Successful Sustainable The ANZ Agenda The bank with a human face, easy to do business with, building enduring customer relationships > For our customers A great company, with great people, great values, great opportunities > For our people One of the most efficient, best managed, and most successful banks in the world > For our shareholders Trus

The Company

EXHIBIT 99.2 2003 ANZ Financial Report Strong Different Successful Sustainable Table of Contents Statements of Financial Performance Statements of Financial Position Statements of Changes in Shareholders’ Equity Statements of Cash Flows Notes to the Financial Statements 1 Accounting Policies 2 Income 3 Expenses 4 Equity Instruments Issued to Employees 5 Remuneration of Auditors 6 Income Tax Expens

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of October 2003 Australia and New Zealand Banking Group Limited

6-K 1 a03-438416k.htm 6-K FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of October 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principa

Washington, D.C. 20549 Signatures

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of August 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indica

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of June 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicate

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of April 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indicat

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED A.B.N. 11 005 357 522 (Exact name of registrant as specified in its charter)

S-8 1 a2108529zs-8.htm S-8 QuickLinks - Click here to rapidly navigate through this document Registration No. 333- SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED A.B.N. 11 005 357 522 (Exact name of registrant as specified in its charter) Victoria, Australia (State or other j

November 30, 1994

November 30, 1994 Australia and New Zealand Banking Group Limited 100 Queen Street Melbourne, Victoria 3000 Australia Re: Deposit Agreement (the "Deposit Agreement") substantially in the form of that filed as an exhibit to the Form F-6 Registration Statement filed with the Securities and Exchange Commission on November 30, 1994, by and among Australia and New Zealand Banking Group Limited (the "Issuer"), The Bank of New York, as Depositary, and the Holders of American Depositary Receipts Dear Sirs: We refer to the Deposit Agreement.

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) THE BANK OF NEW YORK

EX-1 3 anzda.htm FORM OF DEPOSIT AGREEMENT AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED (A.C.N. 005 357 522) AND THE BANK OF NEW YORK Asas Depositary AND OWNERS AND HOLDERS OF AMERICAN DEPOSITARY RECEIPTS Amended and Restated Deposit Agreement Dated as of December 9, 1988 Amended and Restated as of December 6, 1994 Amended and Restated as of , 2003 AMENDED AND RESTATED DEPOSIT AGREEMENT AMENDME

As filed with the Securities and Exchange Commission on April 8, 2003

As filed with the Securities and Exchange Commission on April 8, 2003 Registration No.

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Signatures

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of February 2003 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indi

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Signatures

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of December 2002 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal executive offices) Indi

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Signatures

6-K 1 j63076k.htm 6-K FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of November, 2002 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal

25 November 2002

EX-4.(B) 4 a2096702zex-4b.htm EXHIBIT 4(B) QuickLinks - Click here to rapidly navigate through this document EXHIBIT 4(b) 25 November 2002 Mr Chris Cooper 32/100 Queen Street Melbourne Vic 3000 Dear Chris On behalf of Australia and New Zealand Banking Group Limited ("ANZ"), I am pleased to formally advise you of your appointment to the position of Managing Director, Mortgages. This letter sets out

2 Securities and Exchange Commission Washington, D.C. 20549 Form 20-F

QuickLinks - Click here to rapidly navigate through this document ANZ BANKING GROUP LIMITED ABN 11 005 357 522 2002 US FORM 20-F ANNUAL REPORT Table of Contents Page Form 20-F Registration Statement 3 Form 20-F Cross Reference Index 4 Forward Looking Statements 5 Currency of Presentation, Exchange Rates and Certain Definitions 5 Company Profile 7 Financial Review Key Information 25 Operating and F

RETIREMENT AGREEMENT

QuickLinks - Click here to rapidly navigate through this document EXHIBIT 4(a) RETIREMENT AGREEMENT DATED 8th February 2002.

2002 2001 $m $m Proceeds from securitising loans 66 2,660 Servicing fees received 6 2 Other cash inflows 17 6

EX-99.1 6 a2096702zex-991.htm EXHIBIT 99.1 QuickLinks - Click here to rapidly navigate through this document Attachment 1 The Board of Directors Australia and New Zealand Banking Group Limited Independent Auditor's Consent We consent to the incorporation, by reference in the registration statements (No. 333-8572 and 333-5456) on Form F-3 of the Australia and New Zealand Banking Group Limited, of o

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Signatures

6-K 1 j57026k.htm 6-K FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of October , 2002 Australia and New Zealand Banking Group Limited (Translation of registrant’s name into English) Level 6, 100 Queen Street Melbourne Victoria Australia (Address of principal