Australia and New Zealand Banking : ANZ - wholesale debt ANZHAX - 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	Friday, 13 November 2020
		The date of lodgement of the form by the entity via
		ASX Online.
	1.6	*Applicable ASX +security code and	ASX +security code: ANZHAX
		description for interest payment	+Security description: EUR 1,000,000,000
		Please select the +security to which the notification	1.125 per cent. Fixed Rate Subordinated Notes
		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.	due 21 November 2029

+ 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	Monday, 23 November 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	Friday, 20 November 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	Thursday, 21 November 2019
	2A.5	*Last day of payment period	Friday, 20 November 2020
	2A.6	Number of days in the payment period	366 subject to a day count fraction of
		(including the start and end days)	Actual/Actual (ICMA)
	2A.7	*Interest rate expressed as a per annum	1.125%
		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	1.125% per Calculation Amount (EUR
		days in the payment period	1,000)
		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	Euro (EUR)
		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	EUR 11.25 per Calculation Amount (EUR
		Please provide the amount in the primary currency in	1,000)
		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	Calculation Amount (EUR 1,000) x interest
		amount per security is calculated	rate per annum (1.125%) x day count
				fraction (Actual/Actual (ICMA)), as more
				fully set out in the terms and conditions of
				the securities.
	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
		If yes, please complete Part 2D.
	+ See chapter 19 for defined terms
	1 December 2019	Page 4