Obligation ANX 5% ( XS0730566329 ) en NOK

ANX

100 % ⇌

Australie

XS0730566329 ( en NOK )

5% par an ( paiement annuel )

24/01/2022 - Obligation échue

Prospectus brochure de l'obligation ANZ XS0730566329 en NOK 5%, échue

1 000 000 NOK

2 000 000 000 NOK

ANZ est une banque australienne multinationale offrant des services financiers dans la région Asie-Pacifique, notamment des services bancaires de détail, commerciaux et institutionnels.

L'Obligation émise par ANX ( Australie ) , en NOK, avec le code ISIN XS0730566329, paye un coupon de 5% par an.
Le paiement des coupons est annuel et la maturité de l'Obligation est le 24/01/2022

FINAL TERMS
23 January 2012
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
Issue of NOK 2,000,000,000 5.00% Fixed Rate Covered Bonds due January 2022
irrevocably and unconditionally guaranteed as to payment of principal and interest by
Perpetual Corporate Trust Limited as trustee of the ANZ Residential Covered Bond Trust
under the US$20,000,000,000 Global Covered Bond Programme
The Prospectus referred to below (as completed by this Final Terms) has been prepared on the basis that
any offer of Covered Bonds in any Member State of the European Economic Area which has
implemented the Prospectus Directive (2003/71/EC) (each, a "Relevant Member State") will be made
pursuant to an exemption under the Prospectus Directive, as implemented in that Relevant Member State,
from the requirement to publish a prospectus for offers of the Covered Bonds. Accordingly any person
making or intending to make an offer in that Relevant Member State of the Covered Bonds may only do
so in circumstances in which no obligation arises for the Issuer or any Dealer to publish a prospectus
pursuant to Article 3 of the Prospectus Directive or supplement a prospectus pursuant to Article 16 of the
Prospectus Directive, in each case, in relation to such offer. Neither the Issuer nor any Dealer has
authorised, nor do they authorise, the making of any offer of Covered Bonds in any other circumstances.
PART A CONTRACTUAL TERMS
Terms used herein shall be deemed to be defined as such for the purposes of the Terms and Conditions set
forth in the Prospectus dated 25 November 2011 and the supplemental prospectus dated 14 December
2011 ("the Prospectus") which together constitute a base prospectus for the purposes of the Prospectus
Directive (Directive 2003/71/EC) (the "Prospectus Directive"). This document constitutes the final
terms of the Covered Bonds described herein for the purposes of Article 5.4 of the Prospectus Directive
and must be read in conjunction with the Prospectus. Full information on the Issuer and the Covered
Bond Guarantor and the offer of the Covered Bonds is only available on the basis of the combination of
this Final Terms and the Prospectus. The Prospectus is available for viewing on the website of the
Regulatory
News
Service
operated
by
the
London
Stock
Exchange
at
http://www.londonstockexchange.com/exchange/news/market-news/market-news-home.html and copies
of the Prospectus are available at the specified office of the Covered Bond Paying Agent.
1.
(a)
Issuer:
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522

(b)
Covered Bond Guarantor:
Perpetual Corporate Trust Limited (ABN 99 000 341
533) as trustee of the ANZ Residential Covered Bond
Trust

(c)
Series Number:
2012-1

(d)
Tranche Number:
1
2.
Specified Currency or Currencies:
NOK
3.
Aggregate Principal Amount of

Covered Bonds:

(a)
Series:
NOK 2,000,000,000

(b)
Tranche:
NOK 2,000,000,000
4.
Issue Price:
100 per cent. in respect of NOK 1,000,000,000 of the
Aggregate Principal Amount and 100.3870 per cent. in
respect of NOK 1,000,000,000 of the Aggregate
UK-2962260-v1

70-40510266

Principal Amount
For the avoidance of doubt the net proceeds of the issue
of Covered Bonds will be NOK 2,003,870,000
5.
(a)
Specified Denominations:
NOK 1,000,000

(b)
Calculation Amount:
NOK 1,000,000
6.
(a)
Issue Date:
24 January 2012

(b)
Interest Commencement Date:
Issue Date
7.
(a)
Final Maturity Date:
24 January 2022

(b)
Extended Due for Payment
Not Applicable
Date of Guaranteed Amounts
corresponding to the Final
Redemption Amount under the
Covered Bond Guarantee:
8.
Interest Basis:
5.00 per cent. Fixed Rate
9.
Redemption/Payment Basis:
Hard Bullet Covered Bond
10.
Change of Interest Basis or
Not Applicable
Redemption/Payment Basis:
11.
Put/Call Options:
Not Applicable
12.
(a)
Status of the Covered Bonds:
Senior

(b)
Status of the Covered Bond
Senior
Guarantee
13.
Method of distribution:
Non-syndicated
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14.
Fixed Rate Covered Bond provisions:
Applicable

(a)
Rate of Interest:
5.00 per cent. per annum payable annually in arrear

(b)
Interest Payment Date(s):
24th January in each year from and including 24 January
2013 up to and including the Maturity Date

(c)
Business Day Convention:
Following Business Day Convention

(d)
Additional Business Centre(s):
Not Applicable
For the avoidance of doubt, in accordance with the
Conditions, London, New York, Sydney, Melbourne
and Oslo are Business Centres

(e)
Fixed Coupon Amount(s):
NOK 50,000 per Calculation Amount

(f)
Broken Amount(s):
Not Applicable

(g)
Day Count Fraction:
Actual/Actual (ICMA)
not adjusted

(h)
Other terms relating to the
Not Applicable
method of calculating interest
for Fixed Rate Covered Bonds:
15.
Floating Rate Covered Bond
Not Applicable
provisions:

UK-2962260-v1
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16.
Variable Interest Covered Bond
Not Applicable
provisions: (other than Dual Currency
Interest Covered Bonds):
17.
Dual Currency Interest Covered Bond
Not Applicable
provisions:
18.
Coupon Switch Option:
Not Applicable
PROVISIONS RELATING TO REDEMPTION
19.
Redemption at the option of the Issuer
Not Applicable
(Call):
20.
Partial redemption (Call):
Not Applicable
21.
Redemption at the option of the
Not Applicable
Covered Bondholders (Put):
22.
Final Redemption Amount of each
NOK 1,000,000 per Calculation Amount
Covered Bond:
23.
Early Redemption for Tax reasons:

(a)
Early Redemption Amount
NOK 1,000,000 per Calculation Amount
(Tax) of each Covered Bond:

(b)
Date after which changes in
Issue Date
law, etc. entitle Issuer to
redeem:
GENERAL PROVISIONS APPLICABLE TO THE COVERED BONDS
24.
(a)
Form of Covered Bonds:
Bearer Covered Bonds:

Temporary Global Covered Bond exchangeable for a
Permanent Global Covered Bond which is exchangeable
for Bearer Definitive Covered Bonds only upon an
Exchange Event

(b)
Talons for future Coupons to
No
be attached to Definitive
Covered Bonds:

(c)
Receipts to be attached to
Not Applicable
Instalment Covered Bonds
which are Definitive Covered
Bonds:

(d)
Definitive Covered Bonds to
Yes
be in ICMA or successor's
format:
25.
New Global Covered Bond:
No
26.
Additional Financial Centre(s) or other
London, Oslo, New York, Sydney and Melbourne
special provisions relating to Payment
Days:
27.
Details relating to Partly-Paid Covered
Not Applicable
Bonds: amount of each payment
comprising the Issue Price and date on
which each payment is to be made and
consequences of failure to pay,
including any right of the Issuer to
forfeit the Covered Bonds and interest
due on late payment:
28.
Details relating to Instalment Covered

Bonds:
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(a)
Instalment Amount(s):
Not Applicable

(b)
Instalment Date(s):
Not Applicable
29.
Redenomination:
Not applicable
30.
Notices:
Condition 14 (Notices) applies
31.
Governing law:
England and Wales
32.
Other terms or special conditions:
Not Applicable
DISTRIBUTION
33.
(a)
If syndicated, names and
Not Applicable
addresses of Managers:

(b)
Date of Subscription
Not Applicable
Agreement:

(c)
Stabilising Manager (if any):
Not Applicable
34.
If non-syndicated, name and address of
RBC Europe Limited
Dealer:
35.
U.S. Selling Restrictions:
Reg. S Category 2/TEFRA D applicable
36.
Additional selling restrictions:
Not Applicable
37.
Additional U.S. Federal Tax
Not Applicable
Considerations:

PURPOSE OF FINAL TERMS
This Final Terms comprises the final terms required for issue and admission to trading on the London
Stock Exchange's regulated market of the Covered Bonds described herein pursuant to the
US$20,000,000,000 Global Covered Bond Programme of Australia and New Zealand Banking Group
Limited and Perpetual Corporate Trust Limited as trustee of the ANZ Residential Covered Bond Trust.
RESPONSIBILITY
The Issuer accepts responsibility for the information contained in this Final Terms. The Covered Bond
Guarantor accepts responsibility for the information contained in paragraphs 1(b) and 12(b) above (and
those paragraphs only).
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PART B OTHER INFORMATION
1.
LISTING AND ADMISSION TO TRADING:

Application has been made by the Issuer (or on its
behalf) for the Covered Bonds to be listed on the
Official List of the UK Listing Authority and admitted
to trading on the London Stock Exchange's Regulated
Market with effect from 24 January 2012.
2.
RATINGS:

Ratings:
The Covered Bonds to be issued have been rated:

Fitch Australia Pty Ltd: AAA
Moody's Investors Service Pty, Limited: Aaa

A rating is not a recommendation by any rating
organisation to buy, sell or hold Covered Bonds and
may be subject to revision or withdrawal at any time by
the assigning rating organisation.

Fitch Australia Pty Ltd ("Fitch") and Moody's Investors
Service Pty Limited ("Moody's") are not established in
the European Union and have not applied for
registration under Regulation (EC) No. 1060/2009 (as
amended) (the "CRA Regulation").
The ratings have been endorsed by Fitch Ratings
Limited and Moody's Investors Service Ltd in
accordance with the CRA Regulation. Fitch Ratings
Limited and Moody's Investors Service Ltd are
established in the European Union and registered under
the CRA Regulation. As such Fitch Ratings Limited
and Moody's Investors Service Ltd are included in the
list of credit rating agencies published by the European
Securities and Markets Authority on its website in
accordance with the CRA Regulation.
In general, European regulated investors are restricted
from using a rating for regulatory purposes if such rating
is not issued by a credit rating agency established in the
European Union and registered under the CRA
Regulation or issued by a credit rating agency
established in a third country but whose credit ratings
are endorsed by the credit rating agency established in
the European Union and registered under the CRA
Regulation unless the rating is provided by a credit
rating agency operating in the European Union before 7
June 2010 which has submitted an application for
registration in accordance with the CRA Regulation and
such registration is not refused, or is provided by a third
Country rating entity whose ratings are disclosed in that
registration application as being ratings that will be
endorsed by the relevant entity used in the European
Union.
3.
COVERED BOND SWAP:

(i)
Covered Bond Swap Provider
Australia and New Zealand Banking Group Limited,
ANZ Centre Melbourne, Level 9, 833 Collins Street,
UK-2962260-v1
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Docklands VIC 3008, Australia

(ii)
Nature of Covered Bond
Forward Starting
Swap:
4.
INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE:
Save as discussed in Subscription and Sale and Selling Restrictions, so far as the Issuer and the Covered
Bond Guarantor are aware, no person involved in the offer of the Covered Bonds has an interest material
to the offer.
5.
YIELD: (FIXED RATE COVERED BONDS ONLY)

Indication of yield:
Yield on NOK 1,000,000,000 with an Issue Price of
100% is 5%.
Yield on NOK 1,000,000,000 with an Issue Price of
100.3870% is 4.95%.

The yield is calculated at the Issue Date on the basis of
the Issue Price. It is not an indication of future yield.
6.
OPERATIONAL INFORMATION:

(a)
ISIN Code:
XS0730566329

(b)
Common Code:
073056632

(d)
Any clearing system(s) other
Not Applicable
than Euroclear, Clearstream,
Luxembourg and the relevant
identification number(s):

(e)
Delivery:
Delivery against payment

(f)
Name and address of initial
Deutsche Bank AG, Hong Kong Branch, Level 52,
Paying Agent(s) in relation to
International Commerce Centre, 1 Austin Road West,
the Covered Bonds (other than
Kowloon, Hong Kong
the Australian Registered
Covered Bonds):

(g)
Names and addresses of
Not Applicable
additional Paying Agent(s) (if
any) in relation to the Covered
Bonds (other than the
Australian Registered Covered
Bonds):

(h)
Name(s) and address(es) of the
Not Applicable
Australian Registrar in relation
to the Australian Registered
Covered Bonds:

(i)
Intended to be held in a
No
manner which would allow
Eurosystem eligibility

UK-2962260-v1
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SCHEDULE TO THE FINAL TERMS
Certain information regarding the Receivables
The statistical and other information contained in these Final Terms has been compiled by reference to
the Purchased Receivables as at 3 January 2012 (the "Cut-off Date"). Except as otherwise indicated,
these tables have been prepared using the Principal Balance as at the Cut-off Date, which includes all
principal and accrued interest for the Purchased Receivables as at the Cut-off Date and may no longer be
a true reflection of the Purchased Receivables. The following information does not include any
Receivables sold into the Portfolio since the Cut-off Date, including any sale in connection with this
Series 2012-1 issuance and it does not reflect any redemption or sales out of the Portfolio since the
Cut-off Date.
The characteristics of the Purchased Receivables as at the relevant Issue Date are not expected to differ
materially from the characteristics of the Purchased Receivables as at the Cut-off Date, however, it should
be noted that Receivables may be removed from the Purchased Receivables in the event that any such
Receivables are repaid in full or do not comply with the terms of the Receivable Sale Agreement on the
relevant Transfer Date. The Seller may also choose, in certain circumstances, to repurchase any of the
Receivables in accordance with the terms of the Receivable Sale Agreement. Additionally, New
Receivables may be sold into the Portfolio from time to time. Any such sales will be made in accordance
with the Receivable Sale Agreement and subject to compliance with the Substitution Criteria and the
Representations and Warranties. This information is provided for information purposes only.
The tables below show details of the Receivables included in the Portfolio, and stratify the Portfolio by
reference to a Receivable. Columns stating percentage amounts may not add up to 100 per cent. due to
rounding.
ANZ Residential Covered Bond Trust
Summary as at 24 January 2012
Bond Issuance
Principal
Balance (AUD
Exchange
Coupon
Bonds
Issue Date
Principal Balance
Equiv.)
Rate
Frequency
Coupon Rate
Series 2011-1
23 Nov 2011
USD 1,250,000,000
$1,231,527,094
1.0150
Semi-Annual
2.40%
Series 2012-1
24 Jan 2012
NOK 2,000,000,000
$326,614,975
6.1234
Annual
5.00%
Series 2012-2
18 Jan 2012
EUR 1,000,000,000
$1,243,836,954
0.8040
Annual
3.63%

Expected
Final Maturity
Bonds
CUSIP
ISIN
Listing
Note Type
Maturity Date
Date
(Reg S) 05252FAA8
US05252FAA84
Series 2011-1
Not Listed
Hard Bullet
23 Nov 2016
23 Nov 2016
(144A) 05252EAA1
US05252EAA10
Series 2012-1
073056632
XS0730566329
LSE
Hard Bullet
24 Jan 2022
24 Jan 2022
Series 2012-1
073112923
XS0731129234
LSE
Hard Bullet
18 Jul 2022
18 Jul 2022

Pool Summary
Portfolio Cut off Date
03 Jan 2012
Current Aggregate Principal Balance (AUD)
$4,742,813,675
Number of Loans (Unconsolidated)
16,478
Number of Loans (Consolidated)
16,478
Average Loan Size (Consolidated)
$287,827
Maximum Loan Balance (Consolidated)
$1,500,000
Weighted Average Consolidated Current Loan to Value Ratio (LVR)
66.62%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR)
66.39%
Weighted Average Interest Rate
6.56%
Weighted Average Seasoning (Months)
16.30
Weighted Average Remaining Term (Months)
337.96

Prepayment Information

1 Month
3 Month
6 Month
12 Month
Cumulative
Prepayment History (CPR)
18.43%
-
-
-
-
Prepayment History (SMM)
1.68%
-
-
-
-
UK-2962260-v1
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Mortgage Pool by Unconsolidated Original Loan to Value Ratio (LVR)
Number of
(%) Number of
Balance
(%) Balance

Loans
Loans
Outstanding
Outstanding
up to and including 25.0%
1,044
6.34%
$
82,221,705
1.73%
> 25.0% up to and including 30.0%
325
1.97%
$
41,960,816
0.88%
> 30.0% up to and including 35.0%
397
2.41%
$
68,074,922
1.44%
> 35.0% up to and including 40.0%
456
2.77%
$
84,950,520
1.79%
> 40.0% up to and including 45.0%
475
2.88%
$
96,652,236
2.04%
> 45.0% up to and including 50.0%
628
3.81%
$
142,042,489
2.99%
> 50.0% up to and including 55.0%
691
4.19%
$
169,033,489
3.56%
> 55.0% up to and including 60.0%
941
5.71%
$
256,586,399
5.41%
> 60.0% up to and including 65.0%
1,091
6.62%
$
313,096,036
6.60%
> 65.0% up to and including 70.0%
1,404
8.52%
$
434,037,406
9.15%
> 70.0% up to and including 75.0%
1,817
11.03%
$
583,883,368
12.31%
> 75.0% up to and including 80.0%
7,208
43.74%
$ 2,469,809,101
52.07%
> 80.0% up to and including 85.0%
1
0.01%
$
465,190
0.01%
> 85.0% up to and including 90.0%

> 90.0% up to and including 95.0%

> 95.0% up to and including 100.0%

> 100.0%

Total
16,478
100.00%
$
4,742,813,675
100.00%

Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR)
Number of
(%) Number of
Balance
(%) Balance

Loans
Loans
Outstanding
Outstanding
up to and including 25.0%
1,503
9.12%
$
121,376,748
2.56%
> 25.0% up to and including 30.0%
391
2.37%
$
57,198,410
1.21%
> 30.0% up to and including 35.0%
480
2.91%
$
88,022,072
1.86%
> 35.0% up to and including 40.0%
538
3.26%
$
105,893,397
2.23%
> 40.0% up to and including 45.0%
558
3.39%
$
120,703,113
2.54%
> 45.0% up to and including 50.0%
716
4.35%
$
172,537,814
3.64%
> 50.0% up to and including 55.0%
831
5.04%
$
217,514,160
4.59%
> 55.0% up to and including 60.0%
1,112
6.75%
$
311,676,279
6.57%
> 60.0% up to and including 65.0%
1,290
7.83%
$
398,970,650
8.41%
> 65.0% up to and including 70.0%
1,565
9.50%
$
499,528,348
10.53%
> 70.0% up to and including 75.0%
2,078
12.61%
$
690,420,598
14.56%
> 75.0% up to and including 80.0%
5,400
32.77%
$
1,953,383,219
41.19%
> 80.0% up to and including 85.0%
16
0.10%
$
5,588,867
0.12%
> 85.0% up to and including 90.0%

> 90.0% up to and including 95.0%

> 95.0% up to and including 100.0%

> 100.0%

Total
16,478
100.00%
$
4,742,813,675
100.00%

UK-2962260-v1
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Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*
Number of
(%) Number of
Balance
(%) Balance

Loans
Loans
Outstanding
Outstanding
up to and including 25.0%
1,548
9.39%
$
126,673,872
2.67%
> 25.0% up to and including 30.0%
428
2.60%
$
62,260,598
1.31%
> 30.0% up to and including 35.0%
471
2.86%
$
88,946,711
1.88%
> 35.0% up to and including 40.0%
532
3.23%
$
105,121,954
2.22%
> 40.0% up to and including 45.0%
595
3.61%
$
128,846,974
2.72%
> 45.0% up to and including 50.0%
728
4.42%
$
173,672,442
3.66%
> 50.0% up to and including 55.0%
913
5.54%
$
242,096,444
5.10%
> 55.0% up to and including 60.0%
1,115
6.77%
$
317,117,116
6.69%
> 60.0% up to and including 65.0%
1,392
8.45%
$
425,187,907
8.96%
> 65.0% up to and including 70.0%
1,729
10.49%
$
558,936,402
11.78%
> 70.0% up to and including 75.0%
2,330
14.14%
$
793,775,082
16.74%
> 75.0% up to and including 80.0%
2,775
16.84%
$
992,017,830
20.92%
> 80.0% up to and including 85.0%
1,687
10.24%
$
643,773,980
13.57%
> 85.0% up to and including 90.0%
225
1.37%
$
82,045,585
1.73%
> 90.0% up to and including 95.0%
10
0.06%
$
2,340,778
0.05%
> 95.0% up to and including 100.0%

> 100.0%

Total
16,478
100.00%
$
4,742,813,675
100.00%
______________________
*
Based on quarterly data provided by RP Data using the hedonic index values.
Mortgage Pool by Mortgage Loan Interest Rate
Number of
(%) Number of
Balance
(%) Balance

Loans
Loans
Outstanding
Outstanding
up to and including 6.0%
4
0.02%
$
1,694,934
0.04%
> 6.0% up to and including 6.25%
32
0.19%
$
16,244,082
0.34%
> 6.25% up to and including 6.5%
3,101
18.82%
$
1,327,410,352
27.99%
> 6.5% up to and including 6.75%
12,309
74.70%
$
3,248,145,758
68.49%
> 6.75% up to and including 7.0%
588
3.57%
$
107,490,697
2.27%
> 7.0% up to and including 7.25%
20
0.12%
$
2,145,844
0.05%
> 7.25% up to and including 7.5%
424
2.57%
$
39,682,009
0.84%
> 7.5% up to and including 7.75%

> 7.75% up to and including 8.0%

> 8.0% up to and including 8.25%

> 8.25% up to and including 8.5%

> 8.5%

Total
16,478
100.00%
$
4,742,813,675
100.00%

Mortgage Pool by Interest Option
Number of
(%) Number of
Balance
(%) Balance

Loans
Loans
Outstanding
Outstanding
<= 1 Year Fixed
47
0.29%
$
10,844,975
0.23%
<= 2 Year Fixed
36
0.22%
$
7,942,954
0.17%
<= 3 Year Fixed
69
0.42%
$
12,928,547
0.27%
<= 4 Year Fixed
1
0.01%
$
331,840
0.01%
<= 5 Year Fixed
7
0.04%
$
1,512,863
0.03%
> 5 Year Fixed

Total Fixed Rate
160
0.97%
$
33,561,178
0.71%
Total Variable Rate
16,318
99.03%
$
4,709,252,497
99.29%
Total
16,478
100.00%
$
4,742,813,675
100.00%

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