#1Approved for distribution by ANZ's Continuous Disclosure Committee Australia and New Zealand Banking Group Limited 9/833 Collins Street Docklands Victoria 3008 Australia ABN 11 005 357 522 2020 ESG PRESENTATION & ESG REFERENCE PACK 7 SEPTEMBER, 2020 ANZ#2CONTENTS 2020 ESG PRESENTATION & ESG REFERENCE PACK ESG Presentations CEO Presentation Group Executive Australia Retail & Commercial Presentation ESG Reference Pack Case studies Governance Sustainability Remediation Royal Commission & APRA Self-assessment Carbon Human Rights & Modern Slavery 2 2 10 14 16 23 23 28 333 35 37 46 46 ANZ 1#32020 ESG PRESENTATION SHAYNE ELLIOTT CHIEF EXECUTIVE OFFICER ANZ#4OUR PURPOSE SHAPE A WORLD WHERE PEOPLE AND COMMUNITIES LIVE 1 OUR PRIORITIES Suitable and affordable housing 2 Environmental sustainability THRIVE! 3 Financial wellbeing Fundamental to our approach is a commitment to fair and responsible banking ANZ 3#5ESG TARGET PERFORMANCE SCORECARD SNAPSHOT (March 2020) FAIR & RESPONSIBLE BANKING Improve reputation and community trust¹ ENVIRONMENTAL SUSTAINABILITY Fund and facilitate at least $50b by 2025 in sustainable solutions Reduce scope 1 & 2 emissions by 24% by 2025 and 35% by 2030 FINANCIAL WELLBEING Help enable social & economic participation of 1m people by 2020 Increase women in leadership to 33.1% by 2019 (34.1% by 2020) Recruit >1,000 people from under-represented groups by 2020 HOUSING Fund and facilitate $1b of investment by 20232 NZD100m of interest free loans to insulate homes³ RepTrakⓇ community sentiment indicator score (ranking) 1. 2. To deliver ~3,200 more affordable, secure and sustainable homes to buy and rent (Australia) 3. # Loans approved (Value) for ANZ NZ mortgage holders For full list of definitions and references refer to the 'Sustainability' section of the Reference Pack March 2020 Progress vs target 1st of peers On track $4.1b -29% On track On track >998k 33.1% On track Off track 829 Off track $315m On track 2,160 On track (NZD 7.45m) ANZ 4#6OUR APPROACH PROTECT ADAPT ENGAGE PREPARE ... our people, our customers & shareholders ... to the changing environment even more for the future proactively with our stakeholders Our approach has guided a 'statement of intent' reflecting our commitment to supporting our customers A summary of ANZ's 'statement of intent' is included in the ESG Reference Pack ANZ 5#7PROTECTING OUR CUSTOMERS, OUR PEOPLE, OUR ABILITY TO OPERATE OUR CUSTOMERS OUR PEOPLE BALANCE SHEET ~200,000 loans provided with COVID-19 relief measures ~90% of our people working from home across 32 markets ~$7b lending¹ to Institutional customers in March-20 85% staff engagement score² $44b increase in customer deposits (Sep 19 to Jun 20) $1.3b increase in CET1 capital (Sep 19 to Jun 20) 1. Credit Risk Weighted Assets 2. July 2020 My voice COVID-19 Pulse survey ANZ 6#8REVIEWING OUR RESPONSE TO THE PANDEMIC THROUGH AN ESG LENS Ethics, Environment, Social and Governance Board committee Oversees measures to advance ANZ's purpose, focusing on EES&G matters INDICATIVE AGENDA AND TOPICS COVERED Ethics and Responsible Business Management committee Operationalises objectives and makes decisions on issues and policies INDICATIVE AGENDA AND TOPICS COVERED 10% 13% 30% E.G. Who we bank • Industry sector reviews • Human rights policy 13% Carbon policy 34% • Sensitive wholesale transactions • High risk customer management 10% 12% 9% 26% 43% Governance Who we bank How we bank Our purpose & priorities How we measure & communicate ANZ 7#9STAKEHOLDER ENGAGEMENT Customers Government & Regulators Employees Non-Government Organisations (NGOs) Shareholders Industry Associations ANZ 8#10GROUP OBJECTIVES Improve the financial wellbeing and experience of our customers Maintain risk discipline focused on good customer and regulatory outcomes Build a diverse and adaptable team who listen and learn Run core businesses well and deliver sustainable operational improvements ANZ#112020 ESG PRESENTATION MARK HAND GROUP EXECUTIVE AUSTRALIA RETAIL & COMMERCIAL ANZ#12SUPPORTING OUR CUSTOMERS RETAIL Home loans with deferred repayments (% of Home loan portfolio, July 2020) 9% COMMERCIAL ~22,000 business loans with deferred repayments (Australia, deferrals by industry by % of EAD July 2020) Commercial Property & Construction Other Industries 19% 26% 6% ~84,000 home loans ~24,000 home loans Health & 9% Community Services Australia NZ 10% 18% Accom. Cafes & Restaurants Agriculture, Forestry 4% & Fishing 14% Retail Trade Other Property & Business Services ANZ 11#13SUPPORTING OUR PEOPLE Mcbain Stephen Hel Fear Crowe Sally Cooper Nick 35 Sharyn Mee Sparksy's Phone Cathy's one Staff support to work from home Culture and employee wellbeing initiatives • 'Healthy Me' digital app Employee Assistance Program Transition plans to the 'future of work' ANZ 12#14PROTECTING OUR STAKEHOLDERS Protect your virtual valuables Isn't it strange how we always lock our front door, but not our computer? It's time to secure our virtual valuables in the same way we do our actual ones. PROTECT YOUR VIRTUAL LUABLES O ANZ Cyber Secure www.anz.com.au/security/protect-your-virtual-valuables/ Protect your virtual valuables ANZ 0:06 ANZ 13#152020 ESG PRESENTATION & ESG REFERENCE PACK ESG REFERENCE PACK ANZ#16OUR PURPOSE ONE OF THE WAYS WE ARE BRINGING OUR PURPOSE TO LIFE IS THROUGH HELPING TO ACT ON COMPLEX ISSUES THAT MATTER TO SOCIETY AND ARE CORE TO OUR BUSINESS STRATEGY. A COMMITMENT TO FAIR AND RESPONSIBLE BANKING UNDERPINS OUR APPROACH. CHOICES ABOUT WHO WE SERVE WHO we bank • HOW we bank • WHAT we care about SHAPE A WORLD WHERE PEOPLE AND COMMUNITIES LIVE THRIVE! WHAT WE CARE ABOUT CHOICES ABOUT HOW WE OPERATE HOW we organise ourselves HOW we behave HOW we measure & communicate our progress Housing Environmental Sustainability Our focus ... Leading to ... Our focus ... Leading to ... Our focus ... Financial Wellbeing Leading to ... Homes to Buy Homes to Rent Home ownership Housing choice Energy Lower carbon emissions Financial Access Economic participation Water Water stewardship Financial Fitness Financial health Access to Housing Housing security Waste Waste minimization ANZ 15#17CASE STUDY - FINANCIAL WELLBEING HELPING OUR CUSTOMERS TO SAVE, THROUGH INSIGHTS, NUDGES AND GOALS 1 SET AND TRACK A SAVINGS GOALS THROUGH THE ANZ APP . • ANZ's Adult Financial Wellbeing Survey found active saving and not borrowing for everyday expenses, to be the greatest behavioural drivers of financial wellbeing. In Oct 2019 we launched 'set a savings goal' feature in the ANZ App to help customers better manage their money and develop healthy savings habits. From July 2020, customers began receiving personalised in-app notifications, encouraging them to set a goal, stay on track and celebrate milestones along the way. How our customers are feeling about the savings goal and notifications feature: 1 in 10 active app users have set a goal to date. . • . • Top savings goals are: 'House' (24%), 'Holiday' (18%), 'Car' (11%) and 'Rainy day' (9%). Sent over 2.5m in app notifications. Customers with a 'home goal' were the most engaged with these notifications. Customers with a goal have a savings balance 3x that of a customer without a goal. We've seen an incremental lift of nearly 7,500 more customers moving from our transactor to savers segment. 9:41 11 a <Accounts Available My House Deposit 013123 123451234 Current $4,500.00 $4,500.00 $ Transfer Pay Personalise Transactions Statements Manage Your Progress 5% complete 9:41 <For You Goals Your Goals EDIT GOAL My House Deposit Goal 43% complete $4,500.00 of $90,000 3 years 11 months 6 days to go 22 minutes ago High-5% Because you're off to a great start! Keep More it up! Today ANZ m-banking funds tfer transfer 382226 from 204204152 17 May 2010 $500.00 Total of 1 goal $12,800.00 Edit Goal $38,700.00 of $90,000 1 year 9 months 11 days to go Set a New Goal Turn an eligible account into a dedicated savings goal, or learn more about eligible accounts below. ANZ Progress Saver Set Goal Available: $12,800.00 "Seeing the % rise and the photo attached to the goal helps keep me focused and on track. I remember what I'm saving for and it deters me from making any withdrawals. It's a great feature that has definitely helped me." ANZ 16#18CASE STUDY - ASSET CLASS SOCIAL & AFFORDABLE HOUSING: A NEW FIXED INCOME 2 SOCIAL & AFFORDABLE HOUSING HOUSING NEW ZEALAND, A SUBSIDIARY OF KĀINGA ORA HOMES & COMMUNITIES Two transactions in April 2020 • - NZD1 Billion Dual Tranche Wellbeing Bond (5.1yr/10yr), April 2020 - NZD300m Inflation-Linked Wellbeing Bond (20yr), April 2020 Kāinga Ora seeks to become a world-class public housing landlord by partnering with government and the property and construction sector on urban development projects for communities in need Bonds fund new and retrofit social housing projects in accordance with New Zealand Government's Living Standards Framework 4th and 5th issuances since March 2019, with outstanding Wellbeing Bonds totaling NZ$2.8 billion Matthew Needham (Deputy Chief Executive): "This transaction is the next evolution on our wellbeing bond programme, which we continue to incorporate into our programmes and practices." NATIONAL HOUSING FINANCE AND INVESTMENT CORPORATION • • • National Housing Finance and Investment Corporation (NHFIC) seeks to improve housing outcomes in Australia and reduce pressure on housing affordability Bond funds 10 Community Housing Providers financing 2,736 properties 3rd issuance in 18 months, with outstanding NHFIC bonds to A$1.192 billion More outstanding Social Bonds than any other issuer in the Australian market Nathan Dal Bon (CEO): "These funds will be channelled directly to community housing providers to support Australian's most in need at such a challenging time." NZ$1,000,000,000 & NZ$300,000,000 Kāinga Ora Homes and Communities Housing New Zealand Limited, a subsidiary of Kāinga Ora - Homes and Communities 5.1 and 10 Year NZ$ Wellbeing Bonds & 20.4 Year Inflation - Indexed NZ$ Wellbeing Bonds ANZ April 2020 AUD 562,000,000 National Housing Finance Australian Government and investment Corporation National Housing Finance and Investment Corporation ('NHFIC') 12 Year Fixed Rate Social Bonds ANZ June 2020 ANZ 17#19CASE STUDY - ENVIRONMENTAL SUSTAINABILITY SUSTAINABLE FINANCE INITIATIVES 3 ANZ'S 2025 $50B SUSTAINABLE FINANCE TARGET Half Year Progress • • Target to fund and facilitate at least $50 billion by 2025 towards sustainable solutions for our customers Initiatives must improve environmental sustainability, increase access to affordable housing, or promote financial wellbeing Since 1 October 2019, we have funded and facilitated $4.08 billion in sustainable finance transactions including - Labelled green, social and sustainability bonds Labelled sustainability linked and green loans Renewable energy and low emissions transport loans and bonds $2.03 billion of transactions are on-balance sheet, whilst $2.05 billion have been executed through advisory services or distribution to investors via bon markets Two thirds of Target transactions occurred in Australia, remaining third across NZ, Asia, USA and Europe • 29 transactions have contributed towards 6 particular Sustainable Development Goals (SDGs) 7 AFFORDABLE AND CLEAN ENERGY $50B TARGET RESULTS - 1H VOLUME BY SUSTAINABLE DEVELOPMENT GOAL 46% 5% 6 CLEAN WATER AND SANITATION 6% 16% 6% INDUSTRY, INNOVATION AND INFRASTRUCTURE 21% 11 AND COMMUNITIES SUSTAINABLE CITIES 13 CLIMATE ACTION 12 RESPONSIBLE CONSUMPTION AND PRODUCTION QO ANZ#20CASE STUDY - FAIR AND RESPONSIBLE BANKING HELPING CUSTOMERS TO GET ON TOP OF PERSISTENT CREDIT CARD DEBT 4 CONTACTING CONSUMER CREDIT CARD CUSTOMERS WHO ARE CARRYING PERSISTENT DEBT AND PAYING LITTLE OFF TO GET THEM ON TO LOWER RATE CARDS AND ASSIST THEM TO PAY THEIR DEBT FASTER ANZ announced sixteen commitments that responded to a number of the Banking Royal Commission's recommendations and comments, based on our understanding of what the community expects of us. One of the 16 commitments was helping customers get on top of persistent credit card debt. Why we made this commitment? To build on in-train work and to go to the spirit of Royal Commission process and Final Report. We believe that it is a community standard and expectation that we assist our customers to benefit from our products where we can. We are conscious that we must also take our customers' choices into account when we undertake this type of work. Where we are up to? We have completed this commitment by establishing a process to contact credit card customers who are carrying persistent debt. We provide these customers financial education on how credit cards work and offer assistance plans to help them to pay their debt faster. As at 25 March 2020 we had contacted 18,195 customers, with 4,966 customers responding to our contact. Of those contacted 1,440 customers accepted the offer to transfer to an instalment plan at a reduced interest rate of 7%. A further 1,397 customers appreciated the financial education provided while the remaining 2,115 customers chose to take no action. Note: The program was paused in March 2020 to respond to COVID-19 with support for our customers. This includes support for credit card customers who are worried about managing their credit card debt. Once the situation has settled, the original program will be reassessed so we can continue to support our customers. ANZ 19#21CREATING VALUE FOR OUR STAKEHOLDERS CUSTOMERS EMPLOYEES - 31 MARCH 2020 COMMUNITY SHAREHOLDERS5 ~8.7m total retail, commercial and Institutional customers $304b in retail & commercial customer deposits in Australia and New Zealand $344b in home lending in Australia and New Zealand Full mobile wallet offering, including Apple Pay™, GooglePayTM, Samsung Pay™, FitBit PayTM and Garmin Pay™ #1 Lead bank for trade services¹ ~39,000 people employed (FTE) 829 people recruited (HY20) from under-represented groups, including refugees, people with disability and Indigenous Australians since 2016 33.1% of women in leadership, (HY20), increase from 29.9% FY 2016² Almost 1.5m hours of training provided in FY19 $142m contributed in community investment in FY193 Activated disaster relief packages in FY 19 for the Australian summer bushfires and donated AU$1.5 million to bushfire relief efforts Donated AU$1.5 million and NZ$2 million to a range of charities to support vulnerable people impacted by COVID-19 134,930 volunteering hours completed by employees in FY19 Almost 1m people reached through target to help enable social and economic participation in FY194 >500,000 Retail & Institutional shareholders $1.4b 1H20 cash profit reported 49.9 cents earnings per share 25 cents per share fully franked dividend announced for 1H120 4.7% return on average ordinary shareholders equity All financial metrics are as at 31 March 2020 (P&L growth metrics for the half year ended 31 March 2020) unless otherwise stated. 1. Peter Lee Associates Large Corporate and Institutional Transactional Banking surveys, Australia and New Zealand 2004-2019. 2. Measures representation at the Senior Manager, Executive and Senior Executive Levels. Includes all employees regardless of leave status but not contractors (which are included in FTE) 3. Figure includes forgone revenue (2019 = $109m), being the cost of providing low or fee-free accounts to a range of customers such as government benefit recipients, not-for-profit organisations and students. 4. Through our initiatives to support financial wellbeing including financial inclusion, employment and community prograNZ and targeted banking products and services for small businesses and retail customers. 5. On a cash profit continuing operations basis. 20#22NEW COVID-19 CUSTOMER SUPPORT: STATEMENT OF INTENT We are committed to supporting our customers through the COVID-19 pandemic, and the recovery period that will follow, in finding a solution that is respectful, fair and appropriate for them. Our approach is guided by four principles, each with its own underlying commitments. Protect our customers "We will communicate with all customers who accept a deferral at key points during this repayment deferral period. We will call all those customers most severely impacted to discuss their financial position and capacity to recommence repayments. All customers may request an individual discussion." "We will seek to ensure that customers have reasonable time to assess their options. We recognise a customer's personal circumstances will shape the options available." Adapt to the changing environment "We know there will be difficult situations where we need to help customers wind up their borrowings, including by potentially selling their assets or bringing their business to an end. When this happens, we will be ethical and sensitive in our actions." "Retail and small business customers that are unlikely to recover financially in the longer- term will be given individualised support by our specialist hardship team. In making this assessment we will consider their essential living costs and any other debts they have." "Where we become aware a customer is experiencing vulnerability beyond financial difficulty, if appropriate, we will refer them to community support services, such as an independent financial counsellor." Engage proactively with our stakeholders "Drawing on the lessons we have learnt from the Royal Commission, we will engage honestly, transparently and collaboratively with customers, regulators, governments, financial counsellors and consumer advocates about our approach to the pandemic." "We will incorporate customer feedback into our communications, helping to make sure they are clear and easy to understand." Prepare for the future "We will continue to use data and insights to inform our customer support measures and will constantly re-assess the effectiveness of our approach. We will also use our insights to proactively identify customers who need assistance and seek to engage early." "We will inform customers who are dissatisfied with us that they can make a complaint to our external dispute resolution provider, Australian Financial Complaints Authority" ANZ 21#23COMMUNITY SUPPORT DURING COVID-19 Since March 2020, we have directed around $12 million to our community partners who are assisting those most disadvantaged in our communities. We are also delivering our financial literacy programs remotely so participants can continue learning key financial skills. COMMUNITY FUNDING • • Funds have been used to support: Financial Counselling Australia, enabling specialist financial counselling services available to women who have experienced or are experiencing domestic and family violence The Smith Family helping to build the digital inclusion and financial wellbeing of 56,000 disadvantaged families ⚫ The Brotherhood of St Laurence, to improve employability of disadvantaged Australians, including single parents, refugees and asylum seekers, and people living with disability. FINANCIAL LITERACY PROGRAMS DURING COVID-19 • Saver Plus is ANZ's flagship matched savings and financial education program that helps participants develop a savings habit, build financial resilience and improve financial capabilities. In April we implemented a COVID-19 policy to support those participants who no longer had the capacity to save to suspend their participation and have early access to their matched savings funds, despite not meeting all requirements. We remain in close contact with these participants to encourage them to resume participation when circumstances improve. We switched to remote delivery across all 60 sites so participants could continue their financial education. Remote delivery has reduced access barriers for some people. For example, single mother of two, Sharon (pseudonym) says being able to access the program online has enabled her children to sit alongside her and participate in the program. Completing the online modules with her children propelled her son into thinking about different ways to save money: "Spending leaks were a real focus for my son. He actually said to me 'Let's not buy too much. It's ok sometimes, but not every time. Then we can save that money"" Sharon recounts. "He's been talking about his dream of a two story house for years. Now he sees how we can save for that house." We continue to see significant uptake of the program there was a 16% increase in program enquiries in June 2020. - ANZ 22#242020 ESG PRESENTATION & ESG REFERENCE PACK GOVERNANCE ANZ#25ESG - GOVERNANCE OVERVIEW BOARD OF DIRECTORS David Gonski, Chairman Audit Committee Risk Committee Ethics, Environment, Chair: Paula Dwyer Chair: Graeme Liebelt Social and Governance Committee Chair: David Gonski Digital Business and Technology Committee Human Resources Committee Chair: Jane Halton Chair: Ilana Atlas Nomination and Board Operations Committee Chair: David Gonski Ethics and Responsible Business Committee (ERBC) Chaired by CEO It's a leadership & decision making body that exists to advance ANZ's purpose. It meets ~five times p/y. It is comprised of senior execs from business divisions & Group functions Customer Resolution Portfolio Reports to Group Executive Australia Retail and Commercial Banking Brings together our existing complaint management teams to oversee ANZ's fair treatment of customers, including internal and external dispute resolution, customer advocacy and customer vulnerability Royal Commission & Self-Assessment Oversight Group Chaired by CRO and DCEO Involves Group Executive Australia Retail and Commercial Banking, Group Executive Talent and Culture, Group General Counsel, GGM Communications and Public Affairs, GGM Corporate Affairs. Reports to the Board ANZ 24#26BOARD AND EXECUTIVE COMMITTEES WORK TOGETHER INDICATIVE RESPONSIBILITIES DEMONSTRATE HOW COMMITTEES MANAGE ESG Ethics, Environment, Social and Governance Board committee Purpose: oversee measures to advance ANZ's purpose, focusing on ethical, environmental, social and governance matters. Oversight of the Ethics and Responsible Business Committee Code of Conduct review Oversight and approval of ESG reporting and targets Review and monitor ethical, environmental, social and governance risks and opportunities Review of customer complaints and other conduct related matters Oversight and approval of corporate governance policies and principles Ethics and Responsible Business Management committee Purpose: Operationalise Board objectives and make decisions on issues and policies Discuss and decide on ethical, environmental, social and governance risks and opportunities Review the adequacy, effectiveness and fairness of ANZ's approach to customers experiencing vulnerability Ensure ANZ's purpose, brand and values are aligned with our community investment, strategic partnerships and corporate sponsorships Establish decision-making principles and guide choices on industry sectors, customers and transactions we bank and how we bank Define ESG agenda, set ESG targets and monitor progress Review and decide sensitive wholesale transactions ANZ 25#27BOARD ETHICS, ENVIRONMENT, SOCIAL AND GOVERNANCE COMMITTEE (EESG) INDICATIVE AGENDA AND TOPICS COVERED, GENERALLY MEETS FOUR TIMES A YEAR How we measure and communicate • ESG reporting and targets • ESG external assurance • Climate risk analysis 13% • External assessments / reputational indicators Our purpose and priorities Housing Financial wellbeing Environmental sustainability How we bank 10% • CEO conduct report • Vulnerable customers 34% • Product suitability • ESG implications of COVID-19 30% Governance . Governance and regulatory updates Committee forward agenda Review of Ethics and Responsible Business Committee minutes Materiality Assessment Leading practices for ESG Board Committees Who we bank • • Emerging social issues e.g. Modern slavery, water markets Carbon policy, transition plans for largest emitting customers Human Rights policy • 13% • ESG topics discussed by full Board or other Board sub-committees Royal Commission - governance over program of work Regulator enforcement activity • Customer remediation • Remuneration policy and practices ANZ 26#28ETHICS AND RESPONSIBLE BUSINESS MANAGEMENT COMMITTEE (ERBC) INDICATIVE AGENDA AND TOPICS COVERED, GENERALLY MEETS FIVE TIMES A YEAR Governance Materiality Assessment Governance framework for external Social and Environmental Risk policy ESG commitments 12% Our purpose and priorities 9% ⚫ Housing Financial wellbeing Environmental sustainability • How we bank Vulnerable customers Product suitability Accessibility and diversity 26% 43% • Who we bank Industry sector reviews • Human rights policy • Carbon policy • • Sensitive wholesale transactions High risk customer management 10% How we measure and communicate • ESG targets reviewing and monitoring • ESG reporting Committee membership Chair: CEO GGM, Corporate Affairs GM Credit, Specialised Lending and Head of Social and Environmental Risk GGM, Group Strategy Customer Advocate, Australia Group Executive, Institutional Portfolio Lead, Home Owners, Australia MD, Commercial Banking, Australia MD, Retail & Business Banking, New Zealand Regional Executive, Pacific 3rd Party Advisor: Simon Longstaff, Executive Director, The Ethics Centre ANZ 27#292020 ESG PRESENTATION & ESG REFERENCE PACK SUSTAINABILITY ANZ#30ESG TARGET PERFORMANCE SCORECARD SNAPSHOT We are committed to the United Nations Sustainable Development Goals (SDGs). Our ESG targets support 11 of the 17 SDGS. FAIR AND RESPONSIBLE BANKING March 2020 58 (1st) Improve reputation and community trust RepTrakⓇ community sentiment indicator score (ranking¹) ENVIRONMENTAL SUSTAINABILITY Relevant SDGS CLEAN WATER AND SANITATION AUTORIMBLE AND CLEAN ENERGY 9 INDUSTRY INNOVATION AND INFRASTRUCTURE Fund and facilitate at least $50b by 2025 in sustainable solutions² Reduce scope 1 & 2 emissions by 24% by 2025 and 35% by 20303 $4.08b -29% 11 SUSTAINABLE CITIES AND COMMUNITIES 12 RESPONSIBLE CONSUMPTION AND PRODUCTION Со CLIMATE 13 ACTION FINANCIAL WELLBEING NO POVERTY GENDER Help enable social and economic participation of 1 million people by 20204 Increasing women in leadership to 33.1% by 2019 (34.1% by 2020) >998k5 33.1% EQUALITY DECENT WORK AND ECONOMIC GROWTH M + 10 REDUCED INEQUALITIES 17 PARTNERSHIPS FOR THE GOALS Recruiting >1,000 people from under-represented groups by 2020 829 HOUSING Fund and facilitate $1b of investment by 2023 to deliver ~3,200 more affordable, secure and sustainable homes to buy and rent (Australia) 9 INDUSTRY INNOVATION AND INFRASTRUCTURE 10 DE INEQUALITIES SUSTAINABLE CITIES AND COMMUNITIES $315m o NZD100m of interest free loans to insulate homes for ANZ NZ mortgage holders # Loans approved (Value) 2,1606 (NZD7.45m) Note: This information has not been independently assured. KPMG will provide assurance over ANZ's full year performance against targets in its annual ESG reporting to be released in November 2020. 1. RepTrakⓇ community sentiment indicator ranking based on the four major Australian banks; 2. Performance includes initiatives that help improve environmental sustainability, increase access to affordable housing and promote financial wellbeing. This target is new in 2020 and replaces the $15bn sustainable solutions target that we exceeded one year ahead of schedule in 2019 ($19.1bn); 3. Reducing the direct impacts of our business activities on the environment; 4. Through our initiatives to support financial wellbeing including financial inclusion, employment and community programs, and targeted banking products and services for small businesses and retail customers; 5. Measured at 30 September for each respective year - full year results available in November 2020; 6. Results as at 31 December 2019. ANZ 29#31HOW WE MEASURE AND COMMUNICATE EXTERNAL REPORT CARD REPUTATION INDICATORS - Context: Reputation indicators are increasingly being used by investors and analysts to understand our approach to ESG issues and to measure our ESG performance against our peers. We are rated based on our ESG disclosures, analysis of media coverage and, in the case of DJSI, a detailed survey. Indicators are firmly weighted towards governance and how we manage staff and customers. MSCI ESG RATINGS A Corporate ESG Performance Prime RATED BY CCC B BB BBB A AA AAA In 2020, ANZ received a rating of A (on a scale of AAA-CCC) in the MSCI ESG Ratings assessment. ISS ESG‣ In 2020, ANZ received Prime status with a rating of C (on a scale of A+ to D-) in the ISS ESG Corporate Ratings assessment. SAM Sustainability Award Silver Class 2020 In 2020 received SAM Silver Class distinction with a score of 82 (out of 100) in the 2019 Dow Jones Sustainability Indices Corporate Sustainability Assessment. SUSTAINALYTICS a Morningstar company In June 2020, ANZ received an ESG Risk Rating of 23.2 (out of 100, lower = better) and was assessed by Sustainalytics to be at medium risk of experiencing material financial impacts from ESG factors. Outcome: Reputation indicators for ANZ and other major Australian banks show long-term, mid-range rank among major corporates. Our key weakness, scrutinised in the Royal Commission as our failure to always responsibly deliver products and services, continues to impact our performance although to a lesser extent than 12 months ago. All indicators are consistent. Relevant ESG target: Group scorecard, maintain strong performance on Dow Jones Sustainability Index. Disclaimer: The use by ANZ of any ESG research data, logos, trademarks, service marks or index names herein, do not constitute a sponsorship, endorsement, recommendation or promotion of ANZ by those companies. ANZ 30#32SUSTAINABILITY PERFORMANCE TRENDS COMMUNITY INVESTMENT¹ Total community investment ($m) MONEYMINDED & SAVER PLUS Estimated # of people reached ENVIRONMENTAL FINANCING $15B TARGET Funded and facilitated ($b) 131 90 75 137 142 88,308 90,927 80,074 69,826 65,549 19.1 11.5 6.9 2.5 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 2016 2017 2018 2019 EMPLOYEE ENGAGEMENT² Employee engagement score (%) 77 76 74 73 72 2015 2016 2017 2018 2019 ENVIRONMENTAL FOOTPRINT TARGET Scope 1 & 2 greenhouse gas emissions (k tonnes CO2-e) 210 WOMEN IN LEADERSHIP³ Representation (%) 32.0 32.5 194 31.1 181 171 29.5 29.9 157 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 1. Figure includes forgone revenue (2019 = $109m), being the cost of providing low or fee-free accounts to a range of customers such as government benefit recipients, not-for-profit organisations and students 2. The 2017 engagement survey was run as a pulse survey sent to 10% of the bank's employees with a 57% response rate. For all other years the employee engagement survey was sent to all staff 3. Measures representation at the Senior Manager, Executive and Senior Executive Levels. Includes all employees regardless of leave status but not contractors (which are included in FTE) ANZ 31#33EXTERNAL REPORTING RECOGNITION CDP DISCLOSURE INSIGHT ACTION We achieved a CDP climate disclosure score of A in 2019 FRAMEWORKS 11 FTSE4Good Member of the FTSE4Good Index PROGRESS INGA TO EQUILEAP TOP 100 GENDER 2019 EQUALITY Ranked amongst the top 100 companies for gender equality globally by Equileap in 2019 AWEI PLATINUM EMPLOYER 2019 WE ARE SUPER PROUD TO MAKE THE TOP 10 BEST WORKPLACES TO GIVE BACK 2019 YOU BY AWEI Platinum Status LGBTI Employer of Choice in 2019 BROUGHT TO GOODCOMPANY Ranked amongst the Top 10 Best Workplaces to Give Back in Australia by Good Company in 2019 GRI Empowering Sustainable Decisions Our ESG reporting is prepared in accordance with the Global Reporting Initiative Standards (Comprehensive level) TCFD TASK FORCE ON CLIMATE-RELATED FINANCIAL DISCLOSURES We report in line with using the recommendations of the Financial Stability Board's (FSB) Task Force on Climate- Related Disclosures (TCFD) EQUATOR PRINCIPLES As an Equator Principles Financial Institution signatory we report on our implementation of the Principles in our ESG Supplement Founding Signatory of: UNEP PRINCIPLES FOR RESPONSIBLE BANKING FINANCE INITIATIVE In 2019 we became a founding signatory to the UN Principles for Responsible Banking. ✓ERIFI 2019 VERIFIED ALBG AU & NZ We measure the value of our community investment in accordance with the London Benchmarking Group (LBG) methodology ANZ 32#342020 ESG PRESENTATION & ESG REFERENCE PACK REMEDIATION ANZ#35CUSTOMER REMEDIATION CUSTOMER REMEDIATION CUMULATIVE CUSTOMER REMEDIATION CONTINUING OPERATIONS CONTINUING & DISCONTINUED OPERATIONS 485 PRE TAX $m PRE TAX $m 119 1,832 1,579 546 422 928 753 256 352 29 181 1,157 1,286 153 220 51 572 672 86 1H17 2H17 1H18 2H18 1H19 2H19 1H20 1,401 POST TAX $m 1,216 428 110 334 657 534 337 127 180 882 973 129 40 112 157 407 477 100 -22 1H17 2H17 1H18 2H18 1H19 2H19 1H20 22 19- 67 156 42 13 35 36 Discontinued (Wealth businesses) Continuing operations 71 Balance Sheet¹ 1. 1H18 2H18 Net interest income 36 1H19 2H19 1H20 Expenses Other operating income $1,094m provisions on Balance Sheet at Mar-20 ($1,139m at Sep-19) Includes provisions for expected refunds to customers, remediation project costs and related customer and regulatory claims, penalties and litigation outcomes ANZ 34#362020 ESG PRESENTATION & ESG REFERENCE PACK ROYAL COMMISSION & APRA SELF-ASSESSMENT ANZ#37ROYAL COMMISSION & APRA SELF-ASSESSMENT OUR APPROACH, OUR RESPONSE WE ARE TAKING ACTION TO THE 'SPIRIT AND THE LETTER' OF THE ROYAL COMMISSION Governance - aligned response to the Royal Commission and the APRA Self-Assessment ANZ Actions - Progress on our 16 commitments . • • Our Royal Commission & APRA Self-Assessment Oversight Group is overseeing our work and provides quarterly updates to the Board. Co-chaired by Deputy CEO and CRO, involving Group Executive Australia Retail & Commercial Banking, Group Executive Talent and Culture, Group General Counsel, GGM Communications and Public Affairs, GGM Corporate Affairs, Group Executive Institutional (from February 2020), Group Executive & CEO New Zealand (from August 2020). Our Self-Assessment remediation plan (Roadmap) addresses our 5 Focus Areas (Culture; Governance and Accountability; Management of Operational Risk; Remediation; and Simplification), and our lessons from the Royal Commission. Our Royal Commission response • • Made 16 commitments as part of our response to the Royal Commission, to improve the treatment of retail customers, small businesses and farmers in Australia. Completed 11 commitments to date. Progress includes action on distressed agricultural loans, remuneration of front line staff, the Sedgwick Review, culture and governance, and reporting on remediation of existing failures. An update on our progress as at 21 August 2020 can be found at: https://www.anz.com/shareholder/centre/investor-toolkit/Royal- Commission/ 11 4 Actioned Pending legislation change Ongoing Constructive engagement with reform Engaging constructively with Government, regulators and industry as they respond to the Royal Commission recommendations. Our APRA Self Assessment response Identified programs of work and success measures that will address the Focus Areas. These are reviewed and updated ongoing to ensure they remain relevant. Success measures for each focus area will allow us to assess whether our initiatives are improving what we do and how we do it. We have made continued progress in addressing the Focus Areas since 2018, and remain committed to the Roadmap. 36 ANZ#382020 ESG PRESENTATION & ESG REFERENCE PACK CARBON ANZ#39OUR APPROACH TO CLIMATE CHANGE We support an economy-wide shift: we support and encourage key industries to identify their risks and plan for the transition, while simultaneously helping industries that are able to create new job opportunities for their workforces HELP OUR CUSTOMERS SUPPORT EMERGING INDUSTRIES I encouraging them to identify climate risks & opportunities, create transition plans & report to help grow the economy as it transitions publicly on their progress REDUCE OUR OWN IMPACT ... by managing and reducing emissions from our own operations Initiatives: In 2018 we started engaging with 100 of our largest emitting customers to encourage and support them to establish, or strengthen existing low carbon transition plans by 2021, focusing on energy, transport, buildings food, beverage and agriculture. By the end of this year we aim to have engaged all 100. • We are funding and facilitating up to $50b of investment in environmentally sustainable solutions by 2025 to help our customers lower carbon emissions through increased energy efficiency, low emissions transport, green buildings, reforestation, renewable energy and battery storage, emerging technologies and climate change adaptation measures. We are managing our exposure to thermal coal (thermal coal mining lending now constitutes less than 0.1% of our balance sheet); helping our utility customers reduce emissions; we are only lending to new diversified customers; and we no longer finance the construction of conventional coal fired power plants. We will announce a suite of new and upgraded carbon policy measures and targets at our FY Results in October 2020. ANZ 38#40ANZ CARBON COMMITMENTS AND DISCLOSURE HOW ANZ'S LENDING IS SUPPORTING THE PARIS GOALS - FY19/20 HIGHLIGHTS Thermal Coal Mining Exposures: Since 2015 (when the Paris Agreement was reached), we have more than halved our exposures to thermal coal mining ($1.70bn to ~$600m). Several of our diversified mining customers have also acted to divest their thermal coal interests in recent years, or signalled their intention not to invest in expansionary capex. • Our exposure to thermal coal mining is a small portion of our overall lending (at 31 March 2020 our exposure was ~$600m, less than 0.1% of our Group exposure at default). Oil & Gas Extraction Exposures: • • Since 2015, our exposures to oil and gas extraction companies has been relatively stable ($8.6bn to $8.5bn). Our support of gas companies in recent years has helped to reduce or contain emissions in a number of ways: . • Gas has played an important role in firming intermittent renewable generation, which has facilitated a faster rollout of these technologies than what otherwise might have occurred Australian LNG exports has enabled coal-to-gas switching in fast-growing Asian countries that has played a key role in preventing faster growth of global emissions¹ Several of our customers have set, or are intending to set, targets to reduce fugitive emissions of methane in upstream production. Our exposure to oil and gas extraction is a small portion of our overall lending (at 31 March 2020 our exposure was ~$8.5bn, or ~0.8% of our Group exposure at default). 1. International Energy Agency's 2019 'Role of Gas' report. ANZ 39#41ANZ CARBON COMMITMENTS AND DISCLOSURE - FY19/20 HIGHLIGHTS HOW ANZ'S LENDING IS SUPPORTING THE PARIS GOALS • Renewable Energy Exposures: Since 2015, we have significantly expanded our lending support to the renewable energy sector. • In our project finance portfolio, lending to renewables projects has grown by almost 56% to $1.37b (annualised growth of ~12%), with ANZ's finance in FY19 helping to bring online 488MW of wind and solar capacity; a further 989MW is scheduled to come online during FY20. • • At the same time, the amount of our project finance portfolio comprised of coal and gas generation has declined year-on-year from 40% in FY15 to 17% at the end of FY19. We are also increasing support to utilities that have made commitments to expand renewable energy capacity, and in certain cases, withdrawing support to utilities that continue to focus on expanding coal-fired generation capacity. We are also a significant lender to Transmission & Distribution companies whose investments in building a modern energy grid over the coming years, will play an important role in keeping the system stable and reliable through the transition. Project Finance Power Generation Portfolio (Sept' 19) 9% 8% 83% Renewables Gas Coal Our direct lending to renewable energy has increased since 2015 to reach $1.37bn in FY19. ANZ 40#42ANZ CARBON COMMITMENTS AND DISCLOSURE - FY19/20 HIGHLIGHTS FUTURE FOCUS AREAS & ACTIONS AROUND CLIMATE CHANGE TCFD Theme Governance Strategy Risk Management Metrics & Targets Focus Areas 2020/21 • Align with regulatory guidance on climate-related risk governance, including stress testing of selected portfolios • Consider extending scenario analysis to incorporate bushfire, flood and other risks relating to retail customers • Possible extension of emerging environmental and climate-related risks to other segments of the home loan portfolio • Include climate risk reference in Agriculture related lending guidance documents used by our front line bankers • • Encourage customers to develop & disclose their transition plans in key sectors energy, transport, buildings and food, beverage and agriculture Customer engagement to identify customer or sector-specific transition or physical risks Complete transition plan 2020/21 engagement with high emitting customers and consider how to integrate into customer assessments New 6-year $50 billion target to fund & facilitate sustainable solutions • New metrics for measuring impact of our progress on environmental sustainability New target to procure 100% renewable energy for ANZ's operations by 2025 . . • . Beyond 2020 Vision An enhanced risk management framework that is responsive to climate, and meets financial regulators' requirements ANZ business strategy more closely aligned to a resilient and sustainable economy that supports the Paris Agreement and Sustainable Development Goals Integrate assessment of climate-related risks into our Group risk management framework Standard discussions with business customers include climate-related risks and opportunities Assessment of customer transition plans part of standard lending decisions and portfolio analysis Monitor industry standards for lending aligned with the Paris Agreement goals • Reduce ANZ's operational emissions in line with the decarbonisation trajectory of the Paris Agreement goals ANZ 41#43RESOURCES PORTFOLIO RESOURCES EXPOSURE AT DEFAULT (EAD) BY SECTOR $b THERMAL COAL EXPOSURE (EAD) $b 20.0 1.8 18.9 1.7 0.6 0.6 17.3 0.8 1.6 1.3 16.1 0.8 1.0 15.3 0.7 1.2 2.9 0.4 0.7 14.0 1.1 0.7 0.8 0.9 0.3 1.7 1.0 1.2 1.4 1.4 1.2 6.4 4.9 1.0 5.2 4.0 4.4 3.5 0.8 1.6 1.0 1.5 0.6 8.6 7.8 8.2 8.5 0.4 7.0 7.4 0.2 Sep-15 Oil & Gas Extraction Metal Ore Mining Sep-16 Sep-17 Services to mining Other Mining Sep-18 Metallurgical Coal Mining Thermal Coal Mining 0.0 Sep-19 Mar-20 Sep-15 Sep-16 Sep-17 Sep-18 Mar-19 Sep-19 Mar-20 ANZ 42#44IMPLEMENTATION OF CUSTOMER TRANSITION PLAN TARGET Background Our climate change policy, includes a commitment to "encourage and support 100 of our largest emitting customers in the energy, transport, buildings and food, beverage and agricultural sectors to establish or strengthen their low carbon transition plans, by 2021". • • How will success be measured with this target? Customers further reporting on their transition plans by 2021 to provide stakeholders with public, specific and time bound information. To date we have analysed the carbon disclosures of over 90 of our largest emitting customers and engaged with more than 60 of these to support them to establish, or strengthen, low carbon transition plans. We aim to engage with all 100 customers by September 2020. This will help us to establish a 'baseline' for how our customers are responding to climate-risk and inform our ongoing engagement with them. Which customers are in scope? • The customer selection process is informed by criteria including: Direct emissions, ie emissions from company owned or operated assets - Indirect emissions from their `value chains', ie both upstream and downstream from their operational footprint - The size and nature of our relationships was also considered to maximise prospects for deeper engagement Next steps . ANZ will publicly report progress against the target in our full year reporting. We will also provide six-monthly updates to our Ethics and Responsible Business Committee and to the Board Ethics, Environment, Social and Governance Committee. ANZ 43#45EXAMPLE CUSTOMER DISCLOSURE TOWARDS LOW CARBON FUTURE TRANSURBAN - TOLL ROAD OPERATOR Transurban's Climate Change Framework aims to support its transition to a net-zero emissions future as well as ensuring the resilience of its infrastructure and operations. To support its transition to a net-zero emissions future, Transurban has focused on initiatives that help to reduce emissions across its entire value chain, including: Targets Initiatives to achieve targets • Own Operations 10% reduction in energy use over the period 2013-2023 50% reduction in absolute emissions by 2030 from fuel and electricity use (against FY19 base) Targets validated by Science Based Targets initiative (SBTI) Ventilation optimisation LED upgrades Fuel efficiency programs Onsite renewables (235kW of solar PV installed with more planned) • Transition towards 100% renewable through renewable power purchase agreements (PPAs); 80% in QLD & NSW starting in 2021/2022 Transitioning to low/zero-emission vehicle fleet Suppliers 22% intensity reduction for purchased goods and services by 2030 from a FY19 base (tCO2e per VKT) 55% intensity reduction for capital projects by 2030 from a FY19 base (tCO2e per $M capex) Targets validated by SBTi • Use of low carbon materials in projects including concrete, asphalt and steel Supplier commitments to renewable energy purchases; carbon neutrality; and use of Zero-emission vehicles • Obtain Infrastructure Sustainability (IS) ratings for major projects in Australia Transurban ΝΑ Customers Engage customers on fuel and emissions reduction • Support the uptake of zero emissions vehicles Trialling an eco-driving program for QLD customers Transurban has also committed to integrating climate risk within their relevant processes and systems, developing adaptation plans for its assets and aligning its reporting with the recommendations of the FSB Taskforce on Climate-related Financial Disclosures. ANZ 44#46EXAMPLE CUSTOMER DISCLOSURE TOWARDS LOW CARBON FUTURE SYNLAIT MILK NUTRITION COMPANY - Synlait's aim is to have a net-positive impact on the planet and re-imagine all aspects of its business for a low emissions future. To meet this aim, Synlait has reviewed its environmental footprint and developed Sustainable Innovation Platforms that inform its actions around environmental stewardship. Below is a summary of the initiatives they are taking to mitigate carbon emissions across their value chain. Synlait Company Goal Targets Initiatives On-farm Off-farm Contribute to the Paris Agreement target of staying well below 2°C of warming by 2100, and ideally, 1.5°C ⚫ On-farm climate target: 35% reduction in GHGs per kg of milk solids by 2028 (against 2017/18 base year) Farmer suppliers account for 81% of company GHG emissions (on-farm emissions). • Off-farm climate target: 50% reduction in GHGs per kg of product by 2028 (against 2017/18 base year) • 19% of its emissions are off-farm (manufacturing, supply chain) • Providing farms with access to practical on-farm GHG mitigation options; Providing incentive payments to farmers to implement a variety of GHG reduction measures; Research completed on the sources of nitrous oxide emissions and the impacts of various mitigation options; also exploring methane inhibitors Providing incentive payments to farms that are palm kernel expeller (PKE) free Conducting research into regenerative farming to understand how to measure and improve soil health • • • Installation of a large-scale electrode boiler at a new fresh milk plant; successful trials conducted in FY20 on replacing the use of coal with wood pellets on a single boiler Focus on electrifying its operations wherever it can, including replacing LPG powered forklifts with electric versions Use of life cycle analysis (LCA) to evaluate lower emissions product packaging options; and Aiming to divert 99% of non-hazardous manufacturing waste away from landfill by 2028 ANZ 45#472020 ESG PRESENTATION & ESG REFERENCE PACK HUMAN RIGHTS & MODERN SLAVERY ANZ#48REVIEWING OUR APPROACH TO HUMAN RIGHTS We are acting on the Australian National Contact Point (ANCP) statement of the parties; And have a program of work to improve our policy, process and disclosure. WE ARE COMMITTED TO THE ANCP AGREEMENT BETWEEN ANZ AND EXTERNAL STAKEHOLDERS • In February 2020 ANZ, Inclusive Development International (IDI) and Equitable Cambodia (EC) reached an agreement on how to assist Cambodian communities that were adversely affected by an economic land use concession granted for a sugarcane project. We acknowledge the due diligence on the project funded by its loan was inadequate and recognise the hardships faced by the affected communities. • The agreement includes: • • A contribution by ANZ of the gross profit it earned from the loan to help alleviate the hardships faced by the affected communities and support their efforts toward rehabilitation. A commitment by ANZ to review and strengthen its human rights policies, including its customer social and environmental screening processes, and specific grievance mechanism accessible to affected communities. • Both these commitments are in progress with external stakeholders. WE ARE REVIEWING OUR APPROACH AND DESIGNING A GRIEVANCE MECHANISM FOR COMMUNITIES • We are engaged with external stakeholders to align our human rights approach with the OECD Guidelines on Multinational Enterprises and the UN Guiding Principles on Business and Human Rights. We recognise that individuals and communities can be affected by our business activities, and also those of our business customers. We are designing a grievance mechanism so that individuals and communities affected by our business customers can contact us. We plan to finalise it in 2021. We will also increase our human rights disclosures in 2020. ANZ 47#49OUR RESPONSE TO THE AUSTRALIAN MODERN SLAVERY ACT ANZ will report against the Australian Modern Slavery Act's mandatory criteria in 2020, describing how we identify and act on key modern slavery risks in our operations and supply chain. OUR FOCUS IN FY20 IS ON RISK ASSESSMENT, BUILDING AWARENESS, POLICY REVIEWS AND IMPROVING DUE DILIGENCE • • We have reported against the UK Modern Slavery Act for the past four years, which focused on our supply chain and operations. The Australian Act is broader and extends the work we have been doing in our supply chain to our business operations, including lending to customers and our investments. Assessing the risks of modern slavery across our business is challenging. A cross functional working group helps identify, discuss and act on potential modern slavery risks across our operations and supply chain. We have existing processes in place to help identify where modern slavery risks could be and how we can respond. These include financial crime transaction monitoring, customer due diligence, and screening of high risk products and services in our supply chain. New actions we've taken seek to build on this approach. For example all employees are required to complete our Mandatory Financial Crimes Learning module that covers a modern slavery case study; building awareness of modern slavery through information sessions; high risk product tracking in our supply chain identifying raw materials included in branded promotional items. WE PLAN TO IMPROVE OUR APPROACH IN FY21, BY FOCUSING ON: • Improving our risk assessment process Targeted engagement with customers in potential 'hot spots' in our Commercial business ⚫ Industry typology/indicators for modern slavery • Continued supply chain tracking Building awareness and training for our staff • Reviewing the effectiveness of relevant policies and programs in responding to modern slavery. ANZ 48#50ADDITIONAL INFORMATION ANZ SHAREHOLDER WEBSITE: https://www.anz.com/shareholder/centre/ Royal Commission & COVID-19 update 30 APRIL 2020 ROYAL COMMISSION UPDATE IMPLEMENTATION OF HAYNE RECOMMENDATIONS 21 AUGUST 2020 ROYAL COMMISSION RECOMMENDATIONS. AND ANZ ACTIONS ANZ Corporate Overview & Sustainability AASB9 30 APRIL 2020 RESPONSE TO COVID-19 PANDEMIC 2020 HALF YEAR ESG TARGET UPDATE HALF YEAR 2020 AASB9 INFORMATION PACK ANZ Update on implementation of Hayne recommendations and response to COVID-19 pandemic https://www.anz.com/shareholder/cen tre/investor-toolkit/ ANZ ANZ Progress against our Environment, Social & Governance (ESG) targets AASB9 overview and stages https://www.anz.com/shareholder/cen tre/reporting/sustainability/ https://www.anz.com/shareholder/cen tre/investor-toolkit/ ANZ 49#51FURTHER INFORMATION ANZ Personal Business Corporate Search a a Log on Shareholder Centre About ANZ Your Shareholding Calendar and events Reporting Investor Toolkit Shareholder Contact Half Year Results Announcement 30 April 2020 Find out more ASX Announcements Financial calendar Our Shareholder information anz.com/shareholder/centre/ Find ANZ Contact Log on to Computershare Shareholder ANZ Shares Employee ANZ Shares ANZ Capital Notes Easy ANZ Update Equity Investors Jill Campbell Group General Manager Investor Relations +61 3 8654 7749 +61 412 047 448 [email protected] Retail Investors Michelle Weerakoon Manager Shareholder Services & Events +61 3 8654 7682 +61 411 143 090 [email protected] Cameron Davis Executive Manager Investor Relations +61 3 8654 7716 +61 421 613 819 [email protected] Debt Investors Scott Gifford Head of Debt Investor Relations +61 3 8655 5683 +61 434 076 876 [email protected] Harsh Vardhan Manager Investor Relations +61 3 8655 0878 +61 466 848 027 [email protected] ASX Share Prices DISCLAIMER & IMPORTANT NOTICE: The material in this presentation is general background information about the Bank's activities current at the date of the presentation. It is information given in summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. These should be considered, with or without professional advice when deciding if an investment is appropriate This presentation may contain forward-looking statements including statements regarding our intent, belief or current expectations with respect to ANZ's business and operations, market conditions, results of operations and financial condition, capital adequacy, specific provisions and risk management practices. When used in this presentation, the words "estimate", "project", "intend", "anticipate", "believe", "expect", "should" and similar expressions, as they relate to ANZ and its management, are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. Such statements constitute "forward-looking statements" for the purposes of the United States Private Securities Litigation Reform Act of 1995. ANZ does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events. ANZ 50