Key Highlights

  • ANZ's final Dividend has an ex-dividend date of 12 November and a Record Date of 13 November.
  • Payment is due on 18 December 2026.
  • The final amount will be confirmed at the 9 November result.
  • The bank's Capital position and franking level will determine how the payment compares.

ANZ Group Holdings Limited (ASX:ANZ) has locked in dates on the ASX dividend calendar around its full-year result on Monday, 9 November 2026, with an ex-dividend date of Thursday, 12 November, a record date of Friday, 13 November and payment on Friday, 18 December. The dates are known, but the amount is not. The bank will confirm its final Dividend per share and franking level with the result, leaving just three days between the announcement and the ex-dividend date.

The Timetable

ANZ's published financial calendar lists 9 November as the results date. Investors who wish to receive the final dividend need to hold shares at the close of trading on 11 November, under the standard settlement timetable, because buyers from 12 November will not be entitled. The record date of 13 November is the date the share registry uses to confirm which holders receive the payment.

The final dividend is due on Friday, 18 December 2026, one day after the Annual General Meeting in Perth on Thursday, 17 December. The bank's earlier Interim Dividend followed a similar pattern, with half-year results on 1 May 2026, an ex-dividend date of 11 May, a record date of 12 May and payment on 1 July 2026.

Why the Amount Remains Unknown

Australian companies generally announce a dividend's amount with the corresponding result. The board considers earnings, capital, franking balances and the outlook when setting the payment. For ANZ, the figure will be confirmed alongside its full-year cash profit and capital ratio. Dates may be published well in advance, as they are here, so investors can plan around the timetable, but the dollar amount requires board approval.

The franking level is another point to confirm. ANZ earns a portion of its profit outside Australia, including in New Zealand and through its institutional business, and that can affect how much franking it can attach. Shareholders should check the dividend announcement for the percentage franked and for any New Zealand imputation credits, as well as details of the Dividend reinvestment plan.

What Peers Have Done

Westpac and National Australia Bank have already set a benchmark for this reporting period. Westpac declared a 77 cent fully franked final dividend, taking its total to 154 cents, up 1%. National Australia Bank held its final dividend at 85 cents, fully franked, with a total of $1.70 per share. Both boards maintained or slightly raised their payments despite higher Impairment charges.

Comparisons are useful but limited. Each bank has its own payout ratio, capital position and level of notable items. Westpac's Payout Ratio was 75% excluding notable items, and its CET1 ratio was 12.5%. National Australia Bank's CET1 ratio was 11.87%. ANZ's own figures will determine how its dividend compares, and these numbers will be available on 9 November.

Economic Conditions Behind the Decision

ANZ reports at a time when the economy is slowing and credit costs are rising across the sector. The Reserve Bank lifted the cash rate to 4.85% on 3 November, and forecasts growth in output to slow to 1.6% over the year to December 2026, while Unemployment rises to 4.7%. ANZ's variable home Loan rates will rise by 0.25 percentage points from 13 November, the same day as the record date.

Other banks have flagged caution. National Australia Bank said it expects a tough year and raised collective provisions by $403 million. Westpac said interest rates are likely to stay elevated into 2027. Any statement by ANZ on provisions, capital and the economic outlook will be relevant to how its board views dividend capacity in 2027.

Calendar Clustering in Bank Dividends

Within the space of about a week, four major financial stocks trade ex-dividend: Westpac on 5 November, National Australia Bank on 10 November, Macquarie on 11 November and ANZ on 12 November. Payment dates then span 15–21 December. For investors tracking income, this is one of the busiest periods of the Australian dividend year, alongside the corresponding period in May.

Index-level effects can also be noticeable when several large companies go ex-dividend in close succession, because share prices generally adjust to reflect the dividend amount. Commonwealth Bank is the exception among the majors, with its next ex-dividend date on 17 February 2027. Those differences give dividend calendars their importance for investors planning cash flow.

What to Watch Next

The first step is the 9 November announcement, which will reveal the final dividend amount, franking and full-year financial results. Investors will then look to the ex-dividend date on 12 November and the record date on 13 November. The annual general meeting on 17 December provides a forum for questions before payment on 18 December. Next year's dates are likely to follow once the bank publishes its 2027 calendar.

Investors can compare the timetable with the prior year's, although the bank notes dates may be changed and any revisions are announced to the market. The dividend reinvestment plan, where offered, usually has its own election date shortly after the record date, and this should be checked in the dividend announcement published on 9 November.

Bank Earnings at ANZ have also been influenced by its integration of Suncorp Bank, which adds to the items investors will look for in the result. The bank's cost base and any related restructuring will be relevant to how much profit is available to fund the dividend at this time.

Those figures will be released with the result.

Key Takeaways

ANZ's final dividend timetable is an ex-dividend date of 12 November, a record date of 13 November and payment on 18 December 2026, with the amount to be confirmed at the 9 November result. Westpac and National Australia Bank have already declared their final dividends. The bank's result, capital position and franking level will determine how its payment compares.