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ANZ Profit & Loss Financial Impact
Key Ratios
  12 mths ended 30/09/05
($m)		 Reported AGAAP Goodwill amortisation Share Based Payments Fee Revenue Credit Loss Provisioning Derivative accounting
incl. hedging1		 Hybrid financial instruments  Other  AIFRS
  Net interest income 5,798     622     (66) 17 6,371
  Non-interest income 3,552 45   (635)   43   (13) 2,992
  Operating expenses (4,515) 179 (80)         (2) (4,418)
  Provision for doubtful debts (580)       15       (565)
  Income tax expense (1,234)   17 3 (6) (12)   (1) (1,233)
  Net profit attributable to
minority interests		 (3)               (3)
  Net profit after tax attributable to shareholders of the Company 3,018 224 (63) (10) 9 31 (66) 1 3,144
  Goodwill amortisation 224 (224)             0
  Significant items 38               38
  Derivatives Revaluation 0         (31)     (31)
  "Cash" net profit after tax 3,280               3,151
  Hybrid financial instruments (84)           66   (18)
  "Cash" earnings 3,196               3,133
  Average shares (basic) 1,824               1,824
  Cash EPS (cents per share) 175.2               171.8
1.This excludes the effect of applying 'bid' or 'offer' prices rather than 'mid' prices and changes in the market value of counterparty risk included in the measurement of the fair value of derivatives.