Rivella,I think that the yield will be much higher than the 4.5%...

Rivella,
I think that the yield will be much higher than the 4.5% you mentioned given that APRA have removed the rules restricting bank divies from the 31st December.
If we assume .34c P.A. then the yield should be about 5.72% plus franking.
Hopefully the next divy will be greater given their performance ytd. ( They may even pay a greater divy to make up for the reduced divy last time thanks to APRA.)

Your guess is as good as mine

DYOR