Company Profile For Australia and New Zealand Banking Group Limited

Australia and New Zealand Banking Group Limited (ANZ) is engaged in providing a range of banking and financial products and services to retail, small business, corporate and institutional clients. The Company conducts its operations primarily in Australia and New Zealand, and the Asia Pacific region. It also operates in a number of other countries, including the United Kingdom and the United States. At September 30, 2009, the Company had 1,352 branches and other points of representation worldwide excluding automatic teller machines (ATMs). During the fiscal year ended September 30, 2009 (fiscal 2009), the Company operated in three segments: Australia, New Zealand, and the combined Asia, Pacific, Europe and America. It focuses primarily on four customer-based divisions: retail, commercial, wealth and institutional. In November 2009, the Company announced the acquisition of the Royal Bank of Scotland Group plc (RBS) business in the Philippines.

BRIEF: For the fiscal year ended 30 September 2009, Australia and New Zealand Banking Group Limited's interest income decreased 20% to A$26.21B. Net interest income after LLP increased 15% to A$6.8B. Net income applicable to Common decreased 11% to A$2.94B. Net interest income reflects a decrease in interest income, offset by lower interest expenses. Net income was partially offset by higher operating income.