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Investor Presentaiton

ANZ Capital Notes 9 KEY TERMS: DISTRIBUTIONS Distributions • • • • Distribution Rate Non-cumulative based on a floating rate (3-Month BBSW) Expected to be franked at the same rate as dividends on ANZGHL Ordinary Shares¹ If a Distribution is not franked or only partially franked, the amount of the cash Distribution will be increased to compensate holders for the unfranked portion of the Distribution Distributions scheduled to be paid on each 20th of March, June, September and December, subject to complying with applicable law, ANZBGL's absolute discretion and no Payment Condition existing. A Payment Condition exists where: • payment results in ANZBGL on a Level 1 basis or the ANZ Group on a Level 2 or (if applicable) Level 3 basis breaching its APRA capital adequacy requirements; • payment results in ANZBGL becoming, or being likely to become, insolvent; or • APRA objects to the payment of the Distribution Distribution Rate = (3 Month BBSW + Margin) x (1 - Australian corporate tax rate) Margin expected to be in the range of 2.90% to 3.10% per annum If a Distribution is not paid in full on a Distribution Payment Date, ANZBGL cannot, without approval of a Special Resolution of Holders, until and including the next quarterly Distribution Payment Date (i.e. for the next 3 months): Dividends and Capital Restrictions • resolve to pay or pay a dividend on ANZBGL Ordinary Shares; or buy back or reduce capital on ANZBGL Ordinary Shares, unless the Distribution is paid in full within 3 Business Days of the Distribution Payment Date. Limited exceptions apply. There is no restriction on ANZGHL resolving to pay or paying any dividend on, or buying back or reducing capital on, ANZGHL Ordinary Shares 1. The availability of franking credits is not guaranteed and will depend on a number of factors. Holders should refer to the Australian taxation summary in the Prospectus. ANZGHL's ordinary share dividend paid in December 2023 was partially franked at 56%. 24
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