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 executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F              x           Form 40-F              o

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes         o                            No           x

If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b):

This Form 6-K may contain certain forward-looking statements, including statements regarding (i) economic and financial forecasts, (ii) anticipated implementation of certain control systems and programs, (iii) the expected outcomes of legal proceedings and (iv) strategic priorities.  Such forward- looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control and which may cause actual results to differ materially from those expressed in the forward-looking statement contained in these forward- looking statements.  For example, these forward-looking statements may be affected by movements in exchange rates and interest rates, general economic conditions, our ability to acquire or develop necessary technology, our ability to attract and retain qualified personnel, government regulation, the competitive environment and political and regulatory policies.  There can be no assurance that actual outcomes will not differ materially from the forward-looking statements contained in the Form 6-K.

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date 26 April 2007

* Print the name and title of the signing officer under his signature.

ASX Announcement

Investor Relations

100 Queen Street

Melbourne Vic 3000

www.anz.com

For Release:  23 April 2007

ANZ 2007 Interim Result – Excel template

ANZ will announce its 2007 Interim Result on Thursday, 26 April 2007.

To assist market participants in analysing the results, ANZ will provide an Excel version of key tables with the Interim Results announcement.  This will be available on ANZ’s website at www.anz.com/australia/aboutanz/investorcentre/ReportsandResults/results.asp shortly after the Result has been lodged with the ASX.

A version of this file containing prior period numbers is now available at the above link. These prior period numbers are based on ANZ’s current structure, with the key changes detailed on the following page.

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

Changes to reporting structure since September 2006

ANZ from time to time modifies the organisation of its businesses to facilitate delivery of the strategic agenda. Prior period numbers are adjusted for such changes to allow comparability. Changes since 30 September 2006 have been:

•                                          Institutional: Within the Institutional division there have been a number of changes impacting all units including a review of customer segmentation between businesses. Business Banking now includes certain customers that were previously reported in Corporate Banking. Corporate Banking moved to a “product neutral model” with lending and deposit products booked in Working Capital, structured products reported in Corporate & Structured Financing and vanilla hire purchase and leasing products booked in Esanda. Costs for Corporate Banking are included in the Relationship & Infrastructure unit. Markets includes the New Zealand interest rate risk management activities previously reported in New Zealand Businesses. Debt & Transaction Services has been renamed Working Capital.

•                                          Personal: Prior period results for Esanda Fleetpartners in Australia have been transferred to Non-continuing businesses. In addition, the asset finance activities from Institutional have been added to the division.

•                                          New Zealand Businesses: Prior period results for Esanda Fleetpartners have been transferred to Non-continuing businesses. In addition, the interest rate risk management activities are now included in Institutional. In September 2006, results for New Zealand were based on New Zealand Banking, which includes New Zealand Institutional. Following market feedback, and to simplify analysis of the result, we have reverted to New Zealand Businesses, with New Zealand Institutional now only reported in the Institutional division.

•                                          There were also a number of minor restatements as a result of customer segmentation, changes to internal transfer pricing methodologies and the realignment of support functions.

Australia and New Zealand Banking Group Limited

ABN 11 005 357 522

Half Year

31 March 2007

Consolidated Financial Report

Dividend Announcement and

Appendix 4D

This document contains the information required by Appendix 4D of the Australian Securities Exchange Listing Rules, should be read in conjunction with ANZ’s 2006 Concise Annual and Financial Reports, and is lodged with the Australian Securities Exchange under listing rule 4.2A

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Report for the half year ended 31 March 2007

^           Compared to March 2006

Highlights

All figures compared to March 2006 half year unless otherwise indicated

Business highlights*

Strong revenue momentum and continued investment with 2,120 new FTEs

Strong result in Personal – revenue up 14.4%, profit up 21.6%

Institutional profit up 10.6%.  Profit before provisions more modest at 4.2%

Good underlying momentum in New Zealand Businesses up 13.5% but offset by provisioning

Continued growth in customer acquisition in Australia and a successful turnaround in New Zealand

Achieved targeted revenue and productivity:

Revenue growth 9.1% (10.4% FX adjusted)

Cost-Income ratio 44.3% (down 1.5% from 45.8%, medium-term target 40%)

Credit quality remains strong, better than expected provisions due to recoveries late in the half

Adjusted Common Equity ratio middle of target range at 4.4%

*          Adjusted for non-core items (including significant items, ANZ National Bank incremental integration costs and AIFRS mark to market of certain hedge gains/losses)

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CONSOLIDATED FINANCIAL REPORT, DIVIDEND ANNOUNCEMENT and APPENDIX 4D

Half year ended 31 March 2007

This Results Announcement has been prepared for Australia and New Zealand Banking Group Limited (the “Company”) together with its subsidiaries which are variously described as “ANZ”, “Group”, “ANZ Group”, “us”, “we” or “our”.

All amounts are in Australian dollars unless otherwise stated.  The Company has a formally constituted Audit Committee of the Board of Directors.  This report was approved by resolution of a Committee of the Board of Directors on 26 April 2007.

When used in this Results Announcement the words “estimate”, “project”, “intend”, “anticipate”, “believe”, “expect”, “should” and similar expressions, as they relate to ANZ and its management, are intended to identify forward-looking statements.  Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof.  Such statements constitute “forward-looking statements” for the purposes of the United States Private Securities Litigation Reform Act of 1995.  ANZ does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

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HIGHLIGHTS

For Release: 26 April 2007

ANZ 2007 Interim Profit $2,102 million

Business highlights*

Strong revenue momentum and continued investment with 2,120 new FTEs

Strong result in Personal – revenue up 14.4%, profit up 21.6%

Institutional profit up 10.6%.  Profit before provisions more modest at 4.2%

Good underlying momentum in New Zealand Businesses up 13.5% but offset by provisioning

Continued growth in customer acquisition in Australia and a successful turnaround in New Zealand

Achieved targeted revenue and productivity:

Revenue growth 9.1% (10.4% FX adjusted)

Cost-Income ratio 44.3% (down 1.5% from 45.8%, medium-term target 40%)

Credit quality remains strong, better than expected provisions due to recoveries late in the half

Adjusted Common Equity ratio middle of target range at 4.4%

*      Adjusted for non-core items (including significant items, ANZ National Bank incremental integration costs and AIFRS mark to market of certain hedge gains/losses)

All figures compared to March 2006 half year unless otherwise indicated

1

Australia and New Zealand Banking Group Limited (ANZ) today announced a record profit after tax of $2,102 million for the half year ended 31 March 2007, up 16.1%.  Earnings per share were 113.2 cents, up 15.0%.

The headline result included a one-off gain on the Fleetpartners sale.  Adjusting for non-core items, cash* profit was $1,936 million, up 11.8% and cash* EPS was up 10.9%.  The proposed Interim dividend of 62 cents is up 10.7% on last year.

ANZ Chief Executive Officer Mr John McFarlane said: “This is a good result in a highly competitive market.  It builds on seven years of systematic investment in our customers and our people.

“We achieved strong revenue growth of 9.1%*, or adjusting for exchange rates at 10.4%, which is above the top end of our target range.  Good cost management enabled us to maintain a gap between revenue and expense growth of 3.5%, which brought down our cost income ratio by 1.5% to 44.3%.  Although provisioning rose, it ended below our expectations as a result of large recoveries late in the half.  Return on equity remained broadly stable at 19.7%*.

“We had particularly strong results in Personal, which was the highlight.  INGA, Asia and Private Banking also delivered strong performances.  New Zealand Businesses came in with their best underlying result in recent years, but was impacted by provisions increasing from unsustainably low levels.  Institutional NPAT growth was double-digit, benefiting from net provision recoveries but was weaker in revenue and profit before provisions.

“We are continuing to invest in the future.  Over the past year, we added a further 2,120 people, and opened 26 new branches in Australia and New Zealand.  We announced our intention to expand our international franchise in Malaysia, China, Guam and Laos.  At the same time we managed to achieve good revenue/expense productivity.  There is also a greater focus on efficiency, partly to help fund investment initiatives, but also to enhance bottom line results.

“Net interest margin decline was better than historical experience, falling just 5 basis points.  Credit quality remains strong.  Although provisions rose, they were significantly lower than we expected, due to large recoveries late in the half.  We continue to expect a substantial increase in provisions in the second half, with no material recoveries expected.

“We continued to advance the foundation and capability of the organisation.  Staff engagement again improved to 64% from 60%, and we have a culture that others would find difficult to replicate.  We also have strong customer, community and shareholder recognition.  Although there is still much more to do, ANZ is now clearly seen as a very different bank.

Outlook

Commenting on the outlook for ANZ, Mr McFarlane said: “Conditions remain supportive of good growth.  Personal should continue to do well, but may find it difficult to sustain such unusually high levels of growth.  We expect to see continued momentum in New Zealand, and Institutional has taken action to improve revenue and expense performance in the second half.  Looking ahead, the growth we are now seeing from Asia will become more material to the Group.

“For the 2007 year, ANZ’s revenue and expenses are expected to be in line with previous guidance of 7%-10% revenue growth and 5%-7% cost growth.  While the credit environment is benign, we expect provisions to be significantly higher in the second half, with the first half unusually low due to recoveries.

“All in all, this is a good result.  It sets us up well for the year as a whole and positions us well for the years ahead”, Mr McFarlane said.

*      Adjusted for non-core items (including significant items, ANZ National Bank incremental integration costs and AIFRS mark to market of certain hedge gains/losses)

All figures compared to March 2006 half year unless otherwise indicated

2

Divisional Performance

Personal delivered another outstanding result with a clear strategy that was well executed.  Profit growth was 21.6% on revenue growth of 14.4%.  All businesses delivered double-digit earnings growth, with the exception of Mortgages, which was adversely impacted by the expectations of rising rates and strong price competition.  Investment and Insurance Products (up 47%), Esanda (up 36%), Consumer Finance (up 39%) assisted by the sale of MasterCard shares, Pacific (up 20%), and Banking Products (up 22%), were all particularly strong.

Revenue growth was double the 7% expense growth.  Staff numbers were up 8%, and we opened 9 new branches in the first half, with a further 31 openings planned in the second half.  Credit costs increased in line with expectations at 18%, due to portfolio growth and the seasoning of our credit card and personal loan portfolios.

Institutional delivered net profit growth of 10.6%.  However, revenue growth was more subdued at 5% with average interest earning asset growth of 9% and deposit growth of 14%, offset by contracting credit margins.  Staff numbers grew 11% and resultant expense growth was 7%, reducing Profit Before Provisions to 4%.  Provisioning showed a net recovery of $6 million with large recoveries late in the half, offsetting modest new provisions.  Over recent years, we have sought to curtail low margin asset growth and to reduce our reliance on lending over time.  This naturally reduces revenue.  Encouragingly, Return on Risk Weighted Assets improved accordingly.  Strong revenue growth in Markets and Corporate & Structured Financing was offset by weaker performance from the other units.

New Zealand Businesses profit after tax was up 8.1% in New Zealand dollars, with good revenue growth of 8%.  Profit before provisions was strong at 13%, offset by a large increase in credit costs, which bounced from unsustainably low levels.  Expense growth was well contained at 4%.  Corporate and Commercial Banking, ANZ Retail, The National Bank Retail, Rural Banking, and UDC all delivered double-digit Profit Before Provisions growth.  Despite higher credit costs they are still well below cycle average, and credit quality remains strong, with the level of net non-performing loans (0.08%) and individual provision charges (0.07%) well below that seen in Australia.

Partnerships delivered very strong growth, with revenue up 38% and profit after tax up 30%.  ING Australia is now delivering good momentum, with profit up 29%, and is well placed to deliver even better returns as it moves beyond the legacy issues that have constrained performance until now.  International Partnerships profit after tax grew 57% assisted by a full six month return from Bank of Tianjin.  Growth in Partnership earnings should accelerate in the second half, with the expected inclusion of earnings from AMMB Holdings Berhad (AMMB).

3

(1)          All numbers adjusted for non-core items

(2)          Compared to half year ended 31 March 2006

(3)          Profit before credit impairment and income tax

4

FINANCIAL HIGHLIGHTS

Profit

Cash profit

Profit has been adjusted to exclude the following non-core items to arrive at cash profit.  Throughout this document figures and ratios that are calculated on a ‘cash’ basis have been shaded to distinguish them from figures calculated on a statutory basis.

(1)       In the March 2007 half ANZ has classified the profit on sale of Esanda Fleetpartners of $195 million ($141 million after tax) as a significant item.  In the March 2006 half ANZ classified the $113 million ($79 million after tax) settlement of the NHB insurance matter and the $14 million settlement of a dispute with Lloyds TSB over the accounting treatment of certain items in the completion accounts for the acquisition of National Bank of New Zealand Limited (tax on settlement: $nil) as significant items.  ANZ excludes significant items to eliminate the distorting effect of one-off transactions on the results of its core business (refer page 13)

(2)       The Group enters into economic hedges to manage its interest rate and foreign exchange risk.  In the March 2007 half ANZ has classified $28 million after tax (Sep 2006 half: $21 million; Mar 2006 half: $13 million) relating to economic hedging as a non-core item (tax impact $13 million (Sep 2006 half: $10 million; Mar 2006 half: $5 million)).  Included in this non-core amount is ineffectiveness arising from designated accounting hedges, any volatility arising from usage of the fair value option and approved classes of derivatives not designated in accounting hedge relationships but that are considered to be economic hedges.  In addition, ANZ has classified a $3 million loss after tax (Sep 2006 half: $nil; Mar 2006 half: $nil) relating to New Zealand revenue hedges that under the transitional provision of AASB 139 (AASB 2005-1) no longer qualify for hedge accounting from 1 October 2006 (tax impact $1 million credit).  ANZ excludes volatility associated with fair value movements on these transactions to provide a better indication of the core business performance (refer page 14)

(3)       In the March 2006 half ANZ incurred $26 million after tax from ANZ National Bank incremental integration costs.  Tax on ANZ National Bank incremental integration costs was $13 million.  The integration program was completed in March 2006.  ANZ National Bank incremental integration costs are excluded to better reflect the core cost base and assist analysis of the cost base following completion of the integration

5

Analysis of Cash(1) profit by key line item:

Earnings per share

Balance Sheet

(1)       Refer footnotes 1 to 3 on page 5

6

Financial ratios