Australia and New Zealand Banking : ANZ - wholesale debt ANZHAT - interest payment details

This appendix is available as an online form	Appendix 3A.2
	Notification of interest rate payment &
	interest rate change
	+Rule 3.20.4, 3.22, 15.3, Appendix 6A section 2

Appendix 3A.2

Notification of interest payment & interest rate change

Information or documents not available now must be given to ASX as soon as available. Information and documents given to ASX become ASX's property and may be made public.

Please note that two or more corporate actions on the same +security may not run with different record dates if the timetables result in overlapping (but not identical) ex-periods. It is permissible to run different corporate actions with the same record date except in the case of consolidations or splits which cannot run at the same time as any other corporate action for that entity.

*Denotes minimum information required for first lodgement of this form.

**Denotes information that must be provided on or before +business day 0 of the relevant Appendix 6A or Appendix 7A timetable.

The balance of the information, where applicable, must be provided as soon as reasonably practicable by the entity.

Part 1 - Entity and announcement details

Question	Question	Answer
No.
1.1	*Name of entity	Australia and New Zealand Banking Group
		Limited (ANZ)
1.2	*Registration type and number	ABN 11 005 357 522
	One of ABN/ARSN/ARBN/ACN or other registration
	type and number (if "other" please specify what type of
	registration number has been provided).
1.3	*ASX issuer code	ANZ
1.4	*The announcement is	New announcement
	Tick whichever is applicable.	Update/amendment to previous
		announcement
		Cancellation of previous announcement
1.4a	*Reason for update	N/A
	Mandatory only if "Update" ticked in Q1.4 above. A
	reason must be provided for an update.
1.4b	*Date of previous announcement to this	N/A
	update
	Mandatory only if "Update" ticked in Q1.4 above.
1.4c	*Reason for cancellation	N/A
	Mandatory only if "Cancellation" ticked in Q1.4 above.
1.4d	*Date of previous announcement to this	N/A
	cancellation
	Mandatory only if "Cancellation" ticked in Q1.4 above.

1.5 *Date of this announcement

		The date of lodgement of the form by the entity via	Tuesday May 19, 2020
		ASX Online.
	1.6	*Applicable ASX +security code and	ASX +security code: ANZHAT
		description for interest payment	+Security description: USD1,250,000,000 2.05
		Please select the +security to which the notification	per cent. Covered Bond due May 2020
		applies. Only one +security can be selected for each
	+ See chapter 19 for defined terms
	1 December 2019	Page 1

	This appendix is available as an online form	Appendix 3A.2
			Notification of interest rate payment &
			interest rate change
		form.

+ See chapter 19 for defined terms
1 December 2019	Page 2

This appendix is available as an online form	Appendix 3A.2
	Notification of interest rate payment &
	interest rate change

Part 2 - Payment Details

Part 2A - Interest period dates and interest payment details

	Question	Question	Answer
	No.
	2.A.1	*Payment date	Wednesday May 27, 2020
		The payment date can be any day after the record
		date per Appendix 6A section 2. If the payment date
		is estimated at the time of first lodgement of this form
		please indicate and provide actual date by way of an
		update to this form when the actual date is known.
		Please note that the payment date cannot be
		changed (even to postpone it or cancel it) any later
		than 12 noon Sydney time on the day of the previous
		payment date advised.
	2A.2	*+Record date	Tuesday May 26, 2020
		Refer to Appendix 6A section 2 for rules regarding
		+record date for interest payments.
		+Record date must be at least 4 +business days from
		the date it is advised. Please note that the +record
		date and ex date cannot be changed (even to
		postpone it or cancel it) any later than 12 noon
		Sydney time on the day before the previous ex date
		advised.
	2A.3	*Ex date	N/A
		Ex date is 1 +business day before the +record date.
		Refer to Appendix 6A section 2. +Securities will trade
		"ex" interest payment from the ex date. Please note
		that the +record date and ex date cannot be changed
		(even to postpone it or cancel it) any later than 12
		noon Sydney time on the day before the previous ex
		date advised.
	2A.4	*First day of payment period	Wednesday November 27, 2019
	2A.5	*Last day of payment period	Tuesday May 26, 2020
	2A.6	Number of days in the payment period	182, subject to a day count fraction of
		(including the start and end days)	30/360, unadjusted)
	2A.7	*Interest rate expressed as a per annum	2.050%
		rate
		This rate is the interest rate expressed as a per
		annum rate. For example if the rate is set as BBSW
		(say 3%) + a Margin (say 2%) then total rate would
		be 5%. If the +security is a floating rate note, this rate
		is the rate set for the payment period the subject of
		this announcement and should match the rate
		provided at Q3.9.
	2A.8	Interest rate pro-rated for the number of	1.025%
		days in the payment period
		Please provide the pro-rated interest rate for the
		payment period - this may be the per annum rate
		pro-rated for this payment period. For example if the
		annual rate is 5% and interest is paid quarterly then
		the rate may be 5% divided by 4 (1.25%) or 5%
		divided by 365 and multiplied by the number of days
		in the payment period (a number close to 1.25%).
	2A.9	*Currency in which the interest payment is	U.S. Dollar (USD)
		made ("primary currency")
	+ See chapter 19 for defined terms
	1 December 2019	Page 3

	This appendix is available as an online form	Appendix 3A.2
				Notification of interest rate payment &
				interest rate change
		Primary currency should be the currency in which all
		other questions relating to the interest payment
		amount are provided excepting those relating to
		payment in a different currency. If the primary
		currency is not AUD please answer Q2A.10a.
	2A.10	*Interest payment amount per +security	USD10.25 per USD1,000
		Please provide the amount in the primary currency in
		dollars (or equivalent denomination for foreign
		currency). If the amount paid to +security holders will
		be rounded please provided the rounded amount. If
		primary currency is not AUD please answer Q2A.10a.
		If primary currency is AUD go to Q2A.11.
	2A.10(i)	Comment on how the interest payment	The amount of interest payable on each
		amount per security is calculated	interest payment date amounts to the
				"Fixed Coupon Amount" specified in the
				relevant Final Terms, being USD10.25 per
				USD 1,000.
	2A.10a	AUD equivalent to interest payment	N/A
		amount per +security
		Only for non-AUD interest payments. ASX publishes
		an AUD equivalent amount for non-AUD declared
		interest payments. If this amount is not provided by
		the entity it is calculated and published using the RBA
		rate of exchange on the day before the ex date. The
		entity should only populate this field if an actual
		amount is known. If amount not known please
		answer 2A.10b. If known go to 2A.10c.
	2A.10b	If AUD equivalent not known, date for	N/A
		information to be released
	2A.10c	FX rate (in format AUD rate / Declared	N/A
		currency rate):
	2A.11	*Are any of the below approvals required	N
		for the interest payment before business
		day 0 of the timetable?
		•	+Security holder approval
		•	Court approval
		• Lodgement of court order with +ASIC
		•	ACCC approval
		•	FIRB approval;
		• Another approval/condition external to
			the entity required to be given/met
			before business day 0 of the timetable
			for the interest payment.
		If any of the above approvals apply to the interest
		payment before business day 0 of the timetable,
		please answer 'yes' and provide details at Part 2B. If
		"no" go to Part 2C.
		The purpose of the question is to confirm that
		relevant approvals are received prior to ASX
		establishing an ex market in the +securities. If the
		entity wishes to disclose approvals or conditions
		which are to be resolved at a later date it should use
		Part 4 "Further information".
	2A.12	Is the interest payment franked	N
		If yes, please complete Part 2C.
	2A.13	*Is the interest payment payable in the	N
		form of +securities rather than cash
	+ See chapter 19 for defined terms
	1 December 2019	Page 4

	This appendix is available as an online form	Appendix 3A.2
			Notification of interest rate payment &
			interest rate change
		If yes, please complete Part 2D.
	2A.14	*Does the entity have arrangements	N
		relating to the currency in which the
		interest payment is paid to +security
		holders that it wishes to disclose to the
		market?
		If "yes", please complete Part 2E.
		It is not mandatory to disclose currency arrangements
		to the market. In particular, it does not refer to
		arrangements made between individual +security
		holders and the share registry on an ad hoc or one-off
		basis and it does not refer to arrangements offered by
		the registry independently of the entity.
		If the entity intends to disclose currency
		arrangements to the market it must do so through this
		form although it may supplement the information in
		the form with further PDF announcements.
	2A.15	*Is there a principal amount payment	N
		component payable	The payment described in this Appendix
		If yes, please provide details of the principal	3A.2 is an interest payment and does not
		component payable and the new principal balance for	have a principal amount component.
		the +security in Part 4 - Further Information.
			However, the securities will be redeemed in
			full on their final maturity date (falling on
			Wednesday May 27, 2020).
	Amended 29/06/15, 07/03/16

Part 2B - Approvals

Part 2B to be completed if you answered "yes" to question 2A.11.

Question Question

No.

2B.1 Approvals

Select appropriate approval from drop down box as applicable. More than one approval can be selected. This question refers only to events which take place before business day 0 of the timetable. The purpose of the question is to confirm that relevant approvals are received prior to ASX establishing an ex market in the +securities. The "Date for determination" is the date that you expect to know if the approval is given for example the date of the +security holder meeting in the case of +security holder approval or the date of the court hearing in the case of court approval. If the entity wishes to disclose approvals or conditions which are to be resolved at a later date it should use Part 4 "Further information".

	*Approval/condition	*Date for	*Is the date	**Approval	Comments
		determination	estimated or	received/
			actual?	condition met?
				Only answer this
				question when you
				know the outcome of
				the approval - please
				advise on or before
				+business day 0 of the
				relevant Appendix 6A
				or Appendix 7A
				timetable.
	+Security holder		Estimated	Yes
	approval		OR	No
			Actual
	Court approval		Estimated	Yes
	+ See chapter 19 for defined terms
	1 December 2019				Page 5

	This appendix is available as an online form			Appendix 3A.2
					Notification of interest rate payment &
							interest rate change
			OR			No
			Actual
	Lodgement of court		Estimated			Yes
	order with +ASIC		OR			No
			Actual
	ACCC approval		Estimated			Yes
			OR			No
			Actual
	FIRB approval		Estimated			Yes
			OR			No
			Actual
	Other (please		Estimated			Yes
	specify in comment		OR			No
	section)
			Actual

+ See chapter 19 for defined terms
1 December 2019	Page 6

This appendix is available as an online form	Appendix 3A.2
	Notification of interest rate payment &
	interest rate change
Amended 29/06/15

Part 2C - Franking

Part 2C to be completed if you answered "yes" to question 2A.12.

Some interest payments may be franked if the +security to which they relate is classified as an equity +security for the purposes of Australian taxation laws. It is the entity's own responsibility to determine whether this is the case.

Question	Question	Answer
No.
2C.1	Is the interest payment fully franked	Y / N
2C.2	Percentage of interest payment that is
	franked
	Please provide the percentage to which the interest
	payment is franked (if 100% franked, then 100%).
2C.3	Applicable corporate tax rate for franking	%
	credit
	Please provide the applicable corporate tax rate.
2C.4	Interest payment franked amount
	Amount of interest payment that is franked. Please
	provide the amount in the primary currency. 2C.4
	franked amount + 2C.6 unfranked amount + 2C.7
	conduit foreign income amount should equal 2A.10
	interest payment amount per security.
2C.5	Percentage of interest payment that is	%
	unfranked
	Please provide the percentage to which the interest
	payment is unfranked (if 100% franked then 0%, if
	60% franked, then 40%).
2C.6	Interest payment unfranked amount,
	excluding conduit foreign income amount
	Amount of interest payment that is unfranked
	excluding conduit foreign income amount. Please
	provide the amount in the primary currency. 2C.4
	franked amount + 2C.6 unfranked amount + 2C.7
	conduit foreign income amount should equal 2A.10
	interest payment amount per security.
2C.7	Interest payment conduit foreign income
	amount
	For Australian entities only.

Please provide the amount in the primary currency. 2C.4 franked amount + 2C.6 unfranked amount + 2C.7 conduit foreign income amount should equal 2A.10 interest payment amount per security.

Amended 29/06/15

Part 2D - Issue of +securities in satisfaction of interest payment

Part 2D to be completed if you answered "yes" to question 2A.13.

Some interest payments may be payable in the form of +securities rather than cash. If that is the case for this interest payment, please provide details in this part.

	Question	Question	Answer
	No.
	+ See chapter 19 for defined terms
	1 December 2019	Page 7

	This appendix is available as an online form	Appendix 3A.2
			Notification of interest rate payment &
			interest rate change
	2D.1	*ASX +security code
		Please provide the +security code of the class of
		existing +securities which will be issued in satisfaction
		of the interest payment. These are referred to below
		as "payment +securities".
	2D.2	*ASX +security description
	2D.3	*Number of payment +securities to be
		issued for each interest rate +security held
		The number of payment +securities indicated in
		question 2D.1 per interest rate +security. Please
		provide rounding policy details, if any, at Part 4 -
		Further information.
	2D.4	Rate calculation methodology
		Please describe the methodology for calculating the
		equivalent price, and number of +securities to be
		issued in place of the interest payment (i.e. per
		interest rate +security).
	2D.5	*Securities +issue date
		This is the date on which the payment +securities are	Estimated or actual
		entered into the holdings of holders entitled to the
		payment. This is usually the same as the payment
		date - item 2A.1.
	2D.6	*Will these +securities be a new issue	Y / N
		If "yes" please answer Q2D.6a. If "no" go to Part 2E.
		If the securities are a new issue, the entity must apply
		for quotation of the securities using an Appendix 2A
		per Appendix 6A section 2.
	2D.6a	*Do the payment +securities rank pari	Y / N
		passu from +issue date
		If "no", answer Q2D.6b, if "yes" please answer
		Q2D.6b. Pari passu means "on an equal footing" for
		example if the +securities will not receive an
		upcoming payment that existing +securities in the
		same class will receive, they do not rank pari passu.
	2D.6b	*Non-ranking period end date
		The date at the end of the period (i.e. the date
		specified in item2A.5 or another date as the case may
		be) after which the issued +securities rank equal (i.e.
		pari passu) for the next announced payment. For
		example, if the new +securities are not entitled to
		participate in an interest payment announced for the
		period ending 30 June 2013, but are entitled to any
		interest payment announced thereafter, then the
		answer to this question is 30 June 2013.

Amended 29/06/15

Part 2E - Currency information

Part 2E to be completed if you answered "yes" to Q2A.14.

	Question	Question	Answer
	No.
	2E.1	*Does the entity default to payment in	Y / N
		certain currencies dependent upon certain
		attributes such as the banking instruction
		or registered address of the +security
		holder? (For example NZD to residents of
		New Zealand and/or USD to residents of
	+ See chapter 19 for defined terms
	1 December 2019	Page 8

	This appendix is available as an online form	Appendix 3A.2
			Notification of interest rate payment &
			interest rate change
		the U.S.A.)
		Referred to as "default arrangements". This does not
		exclude other criteria - banking instruction and
		registered address are merely provided as examples.
		This question should be answered on the basis of the
		entity's policy applicable to all +security holders. It
		does not refer to arrangements made between
		individual +security holders and the share registry on
		an ad hoc or one-off basis and it does not refer to
		arrangements offered by the registry independently of
		the entity.
		If "yes" please fill out the balance of the questions in
		Part 2E. If no fill out question 2E.2 only.
	2E.2	*Please provide a description of your
		currency arrangements
		If you have default arrangements please provide an
		overview of how the arrangement operates and
		answer specific questions below about currencies in
		which you pay, whether there is a choice to receive a
		currency other than the default, election dates, where
		forms can be obtained etc.
		If you do not have default arrangements you should
		include here a complete description of your currency
		arrangements including when and where any
		currency election should be submitted. Listed entities
		in this category are not required to disclose the
		currencies in which they pay or publish the foreign
		currency payment amounts ("payment currency
		equivalent amount per security") or foreign exchange
		rates. You do not need to fill out any further
		questions in Part 2E.
	2E.2a	Other currency/currencies in which the	Non primary payment currency:
		payment will be paid	Payment currency equivalent amount per
		If there is more than one payment currency other than	+security:
		the primary currency please include the additional
		currencies. It is mandatory to advise the currencies
		but not mandatory to advise the payment currency
		equivalent amount. If the entity wishes it may advise
		this amount by way of update when known.
	2E.2b	Please provide the exchange rates used
		for non-primary currency payments
	2E.2c	If payment currency equivalent and
		exchange rates not known, date for	Estimated or Actual
		information to be released
	2E.3	*Can the +security holder choose to	Y / N
		receive a currency different to the currency
		they would receive under the default
		arrangements?
	2E.3a	Please describe what choices are
		available to a +security holder to receive a
		currency different to the currency they
		would receive under the default
		arrangements
		For example if the +security holder would receive
		AUD under the default policy based upon an
		Australian bank account being provided, can they
		change this to NZD by providing a banking instruction
		relating to a New Zealand bank account?
	2E.3b	Date and time by which any document or
		communication relating to the above
		choice must be received in order to be
		effective for this interest payment
	+ See chapter 19 for defined terms
	1 December 2019	Page 9

This appendix is available as an online form	Appendix 3A.2
	Notification of interest rate payment &
	interest rate change

Please enter the time in Sydney time (i.e. AEST or, when daylight savings time is in operation, AEDST); using 24 hour convention e.g. 6.00pm should be entered as 18:00.

2E.3c Please provide, or indicate where relevant forms can be obtained and how and where they must be lodged

Amended 29/06/15

+ See chapter 19 for defined terms
1 December 2019	Page 10

This appendix is available as an online form	Appendix 3A.2
	Notification of interest rate payment &
	interest rate change

Part 3 - Floating rate +securities - details of interest rate applicable to the payment notified in Part 2A

Part 3 to be completed only for +securities that have floating rates.

Question	Question	Answer
No.
3.1	Date interest rate is set
3.2	Comments on how the date that interest
	rate is set is determined
	You may provide comments on how the date for
	setting the interest payment date is determined for
	example the first day of each quarter of the calendar
	year.
3.3	Interest base rate	%
3.4	Comments on how interest base rate is set
	You may provide information on how the base rate is
	set for example BBSW 90 day rate.
3.5	Interest margin	%
3.6	Comments on how interest margin is set
	You may provide information on how the margin is
	set.
3.7	Any other rate used in calculating interest	%
	rate
	Any other rate used in calculating the interest
	payment rate, other than the base rate and margin,
	for the +securities - expressed as a percentage. This
	may be a positive or negative number. Together the
	base rate, margin and other rate should add up to the
	total interest rate for the period expressed as a per
	annum rate (3.9).
3.8	Comments on how other rate used in
	calculating interest rate is set
	You may provide information on how this rate is set.
3.9	Total interest rate expressed as a per	%
	annum rate
	(addition of base rate, margin and any other
	rate applied in calculating total interest rate)
	Please provide the total interest rate for the period
	expressed as a per annum rate (should match the
	amount provided in 2A.7).

3.10 Comments on how the total interest rate expressed as a per annum rate is set

Amended 29/06/15

+ See chapter 19 for defined terms
1 December 2019	Page 11

This appendix is available as an online formAppendix 3A.2 Notification of interest rate payment & interest rate change

Part 4 - Further Information

Question	Question	Answer
No.
4.1	Please provide any further information	The securities are represented by global
covered bonds in registered form.
	applicable to this payment
	Note: if you have answered Yes to Q2A.15 ("Is there a	Interest payments will be made to Cede &
	principal amount payment component payable") please
	Co., or such other nominee as may be
	provide details of the principal component payable and
	the new principal balance for the +security.	requested by an authorised representative
		of The Depository Trust Company.
4.2	URL link to a copy of the prospectus/PDS	Refer to ANZ's Appendix 3B published on
the ASX on Thursday May 28, 2015
	or further information about the +security
	Please provide a url link to the prospectus/pds or other
	information.

Introduced 22/09/14; amended 29/06/15; amended 01/12/19

+ See chapter 19 for defined terms
1 December 2019	Page 12