Publication of Base Prospectus

The following Base Prospectus has been approved by the Financial Conduct Authority and is available for viewing:

Base Prospectus dated 13 November 2019 relating to the US$ 30,000,000,000 ANZ Global Covered Bond Programme of Australia and New Zealand Banking Group Limited (the "Programme").

The Base Prospectus has been filed with the Financial Conduct Authority. To view the full document, please follow the link below.

http://www.rns-pdf.londonstockexchange.com/rns/3099T_1-2019-11-13.pdf

A copy of the Base Prospectus has been submitted to the National Storage Mechanism and will shortly be available for inspection at www.morningstar.co.uk/uk/NSM.

For further information, please contact

Simon Pordage

Company Secretary

Australia and New Zealand Banking Group Limited

Phone: +61 (03) 9273 5555

Fax: +61 (03) 8542 5252

DISCLAIMER - INTENDED ADDRESSEES

Please note that the information contained in the Base Prospectus may be addressed to and/or targeted at persons who are residents of particular countries (specified in the Base Prospectus) only and is not intended for use and should not be relied upon by any person outside these countries and/or to whom the offer contained in the Base Prospectus is not addressed. Prior to relying on the information contained in the Base Prospectus, you must ascertain from the Base Prospectus whether or not you are part of the intended addressees of the information contained therein.

Your right to access this service is conditional upon complying with the above

requirements.