Australian Housing Dynamics and Affordability

RUN THE BUSINESS WELL AUSTRALIA RETAIL AND COMMERCIAL □ Changed our management structure & team □ Continuing to invest in process redesign □ Refining credit policies within a prudent risk appetite □ Delegating more decisions to front line LAUNCHED A MAJOR HOUSING MARKETING CAMPAIGN 300,000 QANTAS POINTS FREQUENT FLYER + WIN UP TO APPLY BY 31 AUGUST SETTLE BY 31 JANUARY 2020 $500K OFF YOUR HOME LOAN WITH AN ELIGIBLE ANZ HOME LOAN OVER $300K* A HOME LOAN OFFER SO GOOD YOU DON'T NEED A CELEBRITY □ Monitoring key operational metrics. OANZ Home Loans □ Focusing on improving operational capacity and approval turnaround time ANZ ANZ 36

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