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 offices)

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

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.

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 03 November 2006

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

2

Media Release

Corporate Communications
100 Queen Street
Melbourne Vic 3000
www.anz.com

For Release: 10 October 2006

ANZ’s call centres in Australia and here to stay

ANZ today confirmed it has no call centres for its Australian customers in India and has a policy dating back to 2005 that all call centres for Australian customers will remain in Australia.

The statement follows claims on page one of today’s Daily Telegraph and other News Limited newspapers that ANZ has customer call centres in Bangalore, India. The article was published despite written advice to the Daily Telegraph on Monday, 2 October that ANZ did not have call centres in India. ANZ is pursuing the matter through legal channels.

As recently as last week, ANZ’s customer call centre was recognised as the best call centre in Australia for the third year in a row by the International Customer Service Professionals.

ANZ Chief Executive Officer Mr John McFarlane said: “ANZ understands customers want to be able to talk to staff in Australia about their banking and financial services needs. As a result, we have a clear policy that all call centres for Australian customers will remain in Australia.

“We are incredibly disappointed that having put this policy in place to reflect the community’s interest in maintaining call centres in Australia that The Daily Telegraph should choose to misrepresent us. For example, the picture shown on page one is not a customer call centre, it is ANZ’s technology centre,” Mr McFarlane said.

ANZ has maintained a technology centre in Bangalore, India since 1989 to take advantage of the availability of highly qualified technology graduates in India. The facility is part of ANZ and is not outsourced to a third party. ANZ currently employs about 1,400 people in Bangalore around 1,100 of whom are in software information technology roles with the remainder in back office roles.

“ANZ is an international bank with over a third of our business outside Australia. It is perfectly reasonable that we should have operations based outside Australia in places like Bangalore provided jobs in Australia are growing, which they are. For example, ANZ has employed around 3,000 additional staff in Australia in recent years including 1,000 people in the last year.

“We need to develop our capability in Bangalore to remain competitive and allow us to continue to grow our business in Australia. This includes opening more branches and employing more staff to serve customers,’ Mr McFarlane said.

Staff in ANZ Bangalore are ANZ employees and operate under the same policies and controls ANZ has in place in Australia, including high standards of privacy and confidentiality. Central records for Australian customers are located in Australia and will remain located in Australia.

Mr McFarlane added: “Customer records are safe at ANZ. They are securely held in our data centres in Australia and will remain located in Australia.”

For media enquiries contact:

Paul Edwards, Head of Corporate Communications

Tel: 03-9273 6955 or 0409-655 550; email: paul.edwards@anz.com

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

Company Secretary’s Office

Level 6, 100 Queen Street

Melbourne VIC 3000

Phone 03 9273 6141

Fax 03 9605 3495

31 October 2006

Company Announcements

Australian Stock Exchange

Level 10, 20 Bond Street

SYDNEY NSW 2000

Appendix 3Y – Share Transactions by Mr John McFarlane

The attached Appendix 3Y includes transactions in ANZ shares undertaken on 30 October 2006 by Mr. John McFarlane, Chief Executive Officer of ANZ.

The transactions were:

•                  The purchase of 101,571 shares at an average price of $28.9237 under the Directors’ Share Plan in lieu of salary and annual incentive.

•                  The sale of 101,571 shares from Mr. McFarlane’s personal holdings at an average price of $28.9003.

•                  The purchase of 2,515 shares for Mr. McFarlane’s personal superannuation fund at an average price of $28.95.

As a result of these transactions, Mr. McFarlane’s total direct and indirect holdings of ANZ shares have increased by 2,515 to 1,975,937 shares.

John Priestley

Company Secretary

1

Appendix 3Y

Change of Director’s Interest Notice

Australia and New Zealand Banking Group Limited gives ASX the following information under listing rule 3.19A.2 and as agent for the director for the purposes of section 205G of the Corporations Act.

Part 1 – Change of director’s relevant interest in securities

Ordinary Shares:

2

Options over unissued ordinary shares:

Part 2 – Change of director’s interests in contracts - Nil

3

Appendix 3Y

Change of Director’s Interest Notice

We Australia and New Zealand Banking Group Limited give ASX the following information under listing rule 3.19A.2 and as agent for the director for the purposes of section 205G of the Corporations Act.

Part 1 – Change of director’s relevant interest in securities

Part 2 – Change of director’s interests in contracts - Nil

John Priestley

Company Secretary

Australia and New Zealand Banking Group Limited

2 November 2006

1

Appendix 3Y

Change of Director’s Interest Notice

We Australia and New Zealand Banking Group Limited give ASX the following information under listing rule 3.19A.2 and as agent for the director for the purposes of section 205G of the Corporations Act.

Part 1 – Change of director’s relevant interest in securities

Part 2 – Change of director’s interests in contracts - Nil

John Priestley

Company Secretary

Australia and New Zealand Banking Group Limited

2 November 2006

1

Appendix 3Y

Change of Director’s Interest Notice

We Australia and New Zealand Banking Group Limited give ASX the following information under listing rule 3.19A.2 and as agent for the director for the purposes of section 205G of the Corporations Act.

Part 1 – Change of director’s relevant interest in securities

Part 2 – Change of director’s interests in contracts - Nil

John Priestley

Company Secretary

Australia and New Zealand Banking Group Limited

2 November 2006

1

Appendix 3Y

Change of Director’s Interest Notice

We Australia and New Zealand Banking Group Limited give ASX the following information under listing rule 3.19A.2 and as agent for the director for the purposes of section 205G of the Corporations Act.

Part 1 – Change of director’s relevant interest in securities

Part 2 – Change of director’s interests in contracts - Nil

John Priestley

Company Secretary

Australia and New Zealand Banking Group Limited

2 November 2006

1