Australian Housing Dynamics and Affordability slide image

Australian Housing Dynamics and Affordability

ANZ EMTN EUR TIER 2 SUBORDINATED SDG NOTES KEY TERMS Issuer Issuer Senior Ratings Expected Issue Rating² Programme / Documents Status Ranking Format Early Optional Redemption Date Clearing Min Denom Other Governing Law Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") Aa3 (Stable) | AA- (Stable) | AA- (Negative) (Moody's/S&P/Fitch) Baa1 | BBB +| A+ (Moody's/S&P/Fitch) Information Memorandum for ANZ's Euro Medium Term Note Programme dated 21 May 2019 ("Information Memorandum") as supplemented¹ Subordinated Notes. The Subordinated Notes will be direct, unsecured and subordinated obligations of ANZ and are expected to constitute Tier 2 capital of ANZ The Subordinated Notes will rank equally among themselves and with Equal Ranking Securities, behind Senior Creditors and ahead of Junior Ranking Securities as described in the Information Memorandum Fixed Rate Sustainable Development Goals (SDG) Subordinated Notes; Registered Form; EUR denominated Issuer may redeem the Notes in whole (but not in part) at its discretion on: (i) the specified date if there is an Issuer Call Option; (ii) certain tax events; or (iii) certain regulatory events. - Redemption at prevailing principal amount plus accrued but unpaid interest. Early redemption of the Subordinated Notes is subject to APRA's prior written approval Euroclear, Clearstream EUR100k with integral multiples of EUR1k ASX wholesale debt listing (securities are not quoted for trading on ASX); IWT exempt (except as specified in the Information Memorandum); No set-off or cross-default English law, except for conversion, write-off and subordination provisions which are governed by Victorian and Australian law 1. Defined terms have the meaning contained in the Information Memorandum. 2. Ratings may be changed, suspended or withdrawn at any time and are not a recommendation to buy, hold or sell any security. ANZ 14
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