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Five Year Financial Summary
Directors' Report
Discussion Analysis of The Financial Statements
Consolidated Statement Financial Performance
Consolidated Statement Financial Position
Consolidated Statement of Cash Flows
Note to the Financial Statement
Directors' Declaration
Independent Auditors' Report
Directors' Declaration

The Directors declare that the concise financial report for the consolidated entity, comprising Insurance Australia Group Limited and its controlled entities for the year ended 30 June 2004, set out on pages 11 to 26 of the Concise Annual Report 2004:

(a) has been derived from or is consistent with the full financial report for the financial year; and

(b) complies with Accounting Standard AASB 1039: Concise Financial Reports.

Signed at Sydney this 19th day of August 2004 in accordance with a resolution of the Directors.

Mr J A Strong
Director

Mr M J Hawker
Director