Results Highlights

	Quarter to			Nine Months to
Profitability	June	March	June	June	June
	1997	1997	1996	1997	1996	Change
	A$M	A$M	A$M	A$M	A$M	%
Group operating profit	504	557	505	1,643	1,503	9.3
Underlying profit	900	895	880	2,755	2,553	7.9
Net interest income	1,314	1,276	1,272	3,906	3,775	3.5
Non interest income	815	800	748	2,428	2,155	12.7
Non interest expenses	1,229	1,181	1,140	3,579	3,377	6.0
Charge for doubtful debts	122	66	102	227	264	(14.0)
Performance Measurements
Cost/income ratio (excl goodwill)	56.1%	55.2%	54.6%	54.8%	55.3%
Basic earnings per share	34.3c	37.4c	34.7c	111.2c	104.1c
Diluted earnings per share (1)	32.9c			109.4c
Capital risk asset ratio (Tier 1: 7.0%, Tier 2: 2.4%,
deductions: (0.2)%)				9.2%	9.4%
Net tangible asset backing per share				$7.70	$6.93
				As at
Balance Sheet		June	March	September	June	June/Sept
		1997	1997	1996	1996	Change
		A$M	A$M	A$M	A$M	%
Shareholders' equity		13,228	13,397	12,519	12,365	5.7
Total assets		200,040	189,199	173,710	170,120	15.2
Risk weighted assets		150,405	142,806	133,313	130,382	12.8
Total loans, advances and acceptances		147,262	138,443	128,751	126,413	14.4
Total deposits		131,144	122,445	110,921	109,043	18.2
Non-accrual loans, net of specific provisions		683	778	803	954	(14.9)

(1) Diluted earnings per share includes the impact of options and the potential conversion of exchangeable capital units. There was no material difference between diluted and basic earnings per share in periods prior to the June 1997 quarter.