ANZ – Wholesale Debt ANZHAY – Interest payment details

This appendix is available as an online form
Only use this form if the online version is not available +Rule 3.20.4, 3.22, 15.3
+ See chapter 19 for defined terms
5 June 2021 Page 1
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
No.
Question Answer
1.1 *Name of entity Australia and New Zealand Banking Group
Limited (ANZ)
1.2 *Registration type and number
One of ABN/ARSN/ARBN/ACN or other registration
type and number (if “other” please specify what type of
registration number has been provided).
ABN 11 005 357 522
1.3 *ASX issuer code ANZ
1.4 *The announcement is
Tick whichever is applicable.
New announcement
☐ Update/amendment to previous
announcement
☐ Cancellation of previous announcement
Note: An entity announcing the cancellation, deferral or
reduction of a previously announced interest payment on a
quoted debt security or quoted convertible debt security
must include in the announcement an explanation
satisfactory to ASX of the entity’s reasons for doing so (see
rule 3.22). In the case of a cancellation, this explanation
may be included in the ‘Reason for cancellation’ in the
response to Q1.4c below or in a separate announcement to
the market. In the case of a deferral or reduction, this
explanation may be included in the ‘Reason for update’ in
the response to Q1.4a below or in a separate
announcement to the market.
1.4a *Reason for update
Mandatory only if “Update” ticked in Q1.4 above. A
reason must be provided for an update.
N/A
1.4b *Date of previous announcement to this
update
Mandatory only if “Update” ticked in Q1.4 above.
N/A

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 2

1.4c *Reason for cancellation
Mandatory only if “Cancellation” ticked in Q1.4 above.
N/A
1.4d *Date of previous announcement to this
cancellation
Mandatory only if “Cancellation” ticked in Q1.4 above.
N/A
1.5 *Date of this announcement
The date of lodgement of the form by the entity via
ASX Online.

Monday, December 12, 2022

1.6 *Applicable ASX
+
security code and
description for interest payment
Please select the security to which the notification
applies. Only one security can be selected for each
form.

ASX
+
security code ANZHAY
+
Security description: AUD 265,000,000 3.40
per cent. Fixed Rate Subordinated Notes due
December 2039

Part 2 – Payment Details
Part 2A – Interest period dates and interest payment details
Question
No.
Question Answer
2A.1 *Payment date
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.
Tuesday, December 20, 2022
2A.2 *
+
Record date
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.

Monday, December 19, 2022
2A.3 *Ex date
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.
N/A
2A.4 *First day of payment period

Monday, December 20, 2021

2A.5 *Last day of payment period

Monday, December 19, 2022
2A.6 Number of days in the payment period
(including the start and end days)
365 subject to a day count fraction of
Actual/Actual (ICMA)

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
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2A.7 *Interest rate expressed as a per annum
rate
This rate is the interest rate expressed as a per
annum rate. For example if the rate is set as BBSW
(say 3%) plus 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.
3.4%
2A.8 Interest rate pro-rated for the number of
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%).

3.4% per calculation amount (AUD 2,000)
2A.9
*Currency in which the interest payment is
made (“primary currency”)
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.
Australian Dollar (AUD)
2A.10 *Interest payment amount per
+
security
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.
AUD 68.00 per calculation amount (AUD
2,000)

2A.10(i) Comment on how the interest payment
amount per security is calculated
Calculation amount (AUD 2,000) x interest
rate per annum (3.4%) 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
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.
N/A
2A.10b
If AUD equivalent not known, date for
information to be released
N/A
2A.10c FX rate (in format AUD rate / Declared
currency rate):
N/A

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 4
2A.11 *Are any of the below approvals required
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”.
No
2A.12 Is the interest payment franked
If yes, please complete Part 2C.
No
2A.13 *Is the interest payment payable in the
form of
+
securities rather than cash
If yes, please complete Part 2D.
No
2A.14 *Does the entity have arrangements
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.
No
2A.15 *Is there a principal amount payment
component payable
If yes, please provide details of the principal
component payable and the new principal balance for
the security in Part 4 – Further Information.

No

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Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 5

Part 2B – Approvals
Part 2B to be completed if you answered “yes” to question 2A.11.
Question
No.
Question
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
determination
*Is the date
estimated or
actual?
**Approval
received/
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.

Comments
+
Security holder
approval

☐ Estimated
OR
☐ Actual
☐ Yes
☐ No

Court approval
☐ Estimated
OR
☐ Actual
☐ Yes
☐ No

Lodgement of court
order with
+
ASIC

☐ Estimated
OR
☐ Actual
☐ Yes
☐ No

ACCC approval
☐ Estimated
OR
☐ Actual
☐ Yes
☐ No

FIRB approval
☐ Estimated
OR
☐ Actual
☐ Yes
☐ No

Other (please
specify in comment
section)

☐ Estimated
OR
☐ Yes
☐ No

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 6
☐ Actual

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 7
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
No.
Question Answer
2C.1 Is the interest payment fully franked Yes or No
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.

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 8
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
No.
Question Answer
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
entered into the holdings of holders entitled to the
payment. This is usually the same as the payment
date – item 2A.1.

Estimated or actual
2D.6 *Will these
+
securities be a new issue
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.

Yes or No
2D.6a *Do the payment
+
securities rank pari
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.

Yes or No
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.

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 9
Part 2E – Currency information
Part 2E to be completed if you answered “yes” to Q2A.14.
Question
No.
Question Answer
2E.1
*Does the entity default to payment in
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
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.

Yes or No
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
payment will be paid
If there is more than one payment currency other than
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.
Non primary payment currency:
Payment currency equivalent
amount per
+
security:
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
information to be released

Estimated or Actual
2E.3
*Can the
+
security holder choose to
receive a currency different to the currency
they would receive under the default
arrangements?
Yes or No

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Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 10

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
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

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 11
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
No.
Question Answer
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

This appendix is available as an online form Appendix 3A.2
Notification of interest rate payment &
interest rate change
+ See chapter 19 for defined terms
5 June 2021 Page 12

Part 4 – Further Information
Question
No.
Question Answer
4.1 Please provide any further information
applicable to this payment
Note: if you have answered Yes to Q2A.15 (“Is there a
principal amount payment component payable”) please
provide details of the principal component payable and
the new principal balance for the security.
The securities are represented by a global
note that has been deposited with a
common depositary for Euroclear Bank
SA/NV and Clearstream Banking, S.A..

While the securities are represented by a
global note, ANZ will discharge its
payment obligations by making payments
to the common depositary for Euroclear
Bank SA/NV and/or Clearstream Banking,
S.A..

4.2 URL link to a copy of the prospectus/PDS
or further information about the
+
security
Please provide a url link to the prospectus/pds or other
information.
Refer to ANZ’s Appendix 3B published on
the ASX on December 20, 2019

Introduced 22/09/14; amended 29/06/15; 01/12/19; 05/06/21