Euro Medium Term Note Programme

Due to legal restrictions, your use of this Euro Medium Term Note Programme website page is subject to the following terms.

In the European Economic Area:

The materials on this website page (the "Materials") are being shown to you solely for your information on the basis that you are a person who may lawfully view such information in accordance with Directive 2003/71/EC, as amended, and the laws of the jurisdiction in which you are located and such information may not be retransmitted, distributed to any other person or copied or published, in whole or in part, via any medium or in any form for any purpose.

In the United Kingdom:

The Materials on this website page do not constitute an offer or invitation to sell, or any solicitation of any offer to subscribe for or purchase any securities, and nothing contained herein shall form the basis of any contract or commitment whatsoever. Other than the base prospectus dated 15 May 2015, the Materials have not been approved by the UK Financial Conduct Authority.

In Australia:

The Materials are for distribution only to persons who are not a "retail client" within the meaning of section 761G of the Corporations Act 2001 of Australia and are also sophisticated investors, professional investors or other investors in respect of whom disclosure is not required under Part 6D.2 or Chapter 7 of the Corporations Act 2001 of Australia and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction in which an investor may be located. Each person accessing the Materials confirms that they are a person who is entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions.

In New Zealand

The Materials are for distribution only:

  1. to persons who are wholesale investors as that term is defined in clauses 3(2)(a), (c) and (d) of schedule 1 to the Financial Markets Conduct Act 2013 of New Zealand (the "FMC Act"), being a person who is:
    1. an "investment business";
    2. "large"; or
    3. a "government agency",
  2. in each case as defined in schedule 1 to the FMC Act; and
  3. in other circumstances where there is no contravention of the FMC Act, but (without limiting paragraph (a) above) excluding any "eligible investor" (as defined in the FMC Act) or any person that meets the investment activity criteria specified in clause 38 of schedule 1 to the FMC Act.

United States:

The Materials relate to borrowing facilities of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522), ANZ Bank New Zealand Limited and ANZ New Zealand (Int'l) Limited. The securities offered under these facilities have not been registered under the US Securities Act of 1933, and may not be offered, sold or delivered within the United States or to U.S. persons (as defined in Regulation S under the US Securities Act of 1933).

General:

The Material and the web pages accessed through this web page (together, the "Website") does not constitute an offer, invitation, inducement, solicitation or recommendation to subscribe for or purchase any security. The Website shall not form the basis of any contract or commitment whatsoever. No sale of any securities described on this Website will occur in any jurisdiction in which such offer, invitation, inducement, solicitation, recommendation or sale would be unlawful.

By proceeding to access this website page, you accept the above terms of use and confirm that you are not accessing this website page contrary to those terms.

I accept Terms and Conditions

Euro Medium Term Note Programme

Base Prospectus and Supplementary Base Prospectuses

Base Prospectus dated 16 May 2017

Supplementary Prospectus dated 22 May 2017 (in respect of ANZBGL)

Supplementary Prospectus dated 20 June 2017 (in respect of ANZBGL)

Supplementary Prospectus dated 19 July 2017 (in respect of ANZBGL)

Supplementary Prospectus dated 15 August 2017 (in respect of ANZBGL)

Documents Incorporated by Reference: Terms and Conditions

The section entitled "Appendix B (Terms and Conditions of the Notes)" on pages 172 to 206 of the Base Prospectus dated 16 May 2016

Pages 168 to 203 of the Base Prospectus dated 15 May 2015 

Pages 57 to 91 of the Base Prospectus dated 16 May 2014

Pages 62 to 107 of the Base Prospectus dated 16 May 2013

Pages 37 to 76 of the Base Prospectus dated 18 May 2012

Pages 36 to 75 of the Base Prospectus dated 25 May 2011

Pages 34 to 73 of the Base Prospectus dated 2 June 2010

Pages 38 to 78 of the Base Prospectus dated 21 July 2009

Pages 25 to 57 of the Base Prospectus dated 18 July 2008

Pages 24 to 56 of the Base Prospectus dated 25 September 2007

Pages 10 to 56 of the Supplementary Prospectus dated 23 March 2007 (supplementing and amending the Base Prospectus dated 25 September 2006)

Pages 19 to 46 of the Base Prospectus dated 25 September 2006

Documents Incorporated by Reference: In respect of ANZBGL

The audited annual consolidated financial statements (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2016 (set out on pages 62 to 175 of the 2016 Annual Report of ANZBGL)

The audited annual consolidated financial statements (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2015 (set out on pages 60 to 171 of the 2015 Annual Report of ANZBGL)

The unaudited interim condensed consolidated financial statements (including the independent auditor’s report thereon and notes thereto) in respect of the half-year ended 31 March 2017 (set out on pages 73 to 103 of ANZBGL’s Half Year 31 March 2017 Consolidated Financial Report, Dividend Announcement and Appendix 4D)

The section entitled "Capital Management" set out on pages 106 to 109 of ANZBGL's Half Year 31 March 2017 Consolidated Financial Report, Dividend Announcement and Appendix 4D

The sections entitled "Liquidity Risk", "Funding", "Capital Management", "Leverage Ratio" and "Other Regulatory Developments" set out on pages 36 to 41 of ANZBGL's Half Year 31 March 2017 Consolidated Financial Report, Dividend Announcement and Appendix 4D

ANZBGL's Basel III Pillar 3 Disclosure dated 31 March 2017 (APS 330, Public Disclosure)

ANZBGL’s Basel III Pillar 3 Disclosure as at 30 June 2017 (APS 330, Public Disclosure)

Documents Incorporated by Reference: In respect of ANZ New Zealand

The audited annual consolidated financial statements of ANZ New Zealand (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2014 (set out on pages 4 to 76 and 85 to 86 of the ANZ Bank New Zealand Limited Disclosure Statement for the year ended 30 September 2014)

The unaudited interim consolidated financial statements of ANZ New Zealand (including the auditor's review report thereon and notes thereto) in respect of the six months ended 31 March 2015 (set out on pages 3 to 27 and 29 of the ANZ Bank New Zealand Limited Disclosure Statement for the six months ended 31 March 2015)

The audited annual consolidated financial statements of ANZ New Zealand (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2015 (set out on pages 3 to 66 and 78 to 79 of the ANZ Bank New Zealand Limited Disclosure Statement for the year ended 30 September 2015)

The unaudited interim consolidated financial statements of ANZ New Zealand (including the auditor's review report thereon and notes thereto) in respect of the six months ended 31 March 2016 (set out on pages 3 to 27 and 29 of the ANZ Bank New Zealand Limited Disclosure Statement for the six months ended 31 March 2016)

The audited annual consolidated financial statements of ANZ New Zealand (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2016 (set out on pages 3 to 66 and 77 to 78 of the ANZ Bank New Zealand Limited Disclosure Statement for the year ended 30 September 2016)

Documents Incorporated by Reference: In respect of ANZNIL

The audited annual financial statements of ANZNIL (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2014

The unaudited interim financial statements of ANZNIL in respect of the six months ended 31 March 2015

The audited annual financial statements of ANZNIL (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2015

The unaudited interim financial statements of ANZNIL in respect of the six months ended 31 March 2016

The audited annual financial statements of ANZNIL (including the auditor's report thereon and notes thereto) in respect of the year ended 30 September 2015

I DO NOT accept Terms and Conditions