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Investor Presentaiton

LOW CARBON & SUSTAINABLE FINANCE IS INCREASING AND OUR EXPOSURE TO CARBON-INTENSIVE SECTORS IS DECREASING OUR EXPOSURE TO THE MOST CARBON-INTENSIVE ENERGY SOURCES ARE DECLINING ANZ's funding and facilitation of renewables and gas-fired power is increasing relative to coal-fired power. Our sustainable financing commitment has reached $14.6bn since 2015. Our exposure to thermal coal mining is a small portion of our overall lending (at 31 March 2019 our exposure was ~$944m, less than 0.1% of our Group exposure at default). We expect our thermal coal exposure to decline over time, as it has since 2015. 13% Project Finance Power Generation Portfolio (Sept' 18) 10% Renewables Gas WE ARE WORKING WITH OUR CUSTOMERS TO SUPPORT THE TRANSITION TO CLEANER ENERGY AND ENVIRONMENTALLY SUSTAINABLE PRACTICES We provide a range of finance and advisory services to the clean energy sector and other customers supporting their investment to reduce or eliminate greenhouse gas emissions or minimise waste. We play a role linking capital markets with sustainable investment opportunities, including infrastructure. 76% Coal Our direct lending to renewable energy has increased since 2015 to reach $1.076bn in 2018. ANZ 41
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