Investor Presentaiton

EESG AND ERBC - INDICATIVE FUTURE FOCUS WHO WE BANK • Emerging social issues eg. Data privacy Fairness - serving and competing for new and existing customers Potentially high risk customers - including Politically Exposed Parties HOW WE BANK ° Ethical decision making framework ⚫ Banking Code implementation • • Vulnerable customers Disaster impacted customers and regions Customer complaint themes and systemic issues Design and Distribution Obligations and Product Intervention Power Credit card use for gambling update Conduct Potential improved metrics Product suitability program OUR PRIORITIES • Customer transition plans toward a low carbon economy Housing access and affordability update Evolving standards and expectations of civil society on ESG matters Financial wellbeing – potential improved metrics HOW WE MEASURE AND COMMUNICATE . • • • Reputation indicators Best practice standards for ESG board and management committees FY20 ESG targets Stakeholder engagement - how we engage with and respond to key stakeholder groups GOVERNANCE Monitoring of implementation of new Banking Code of Practice Peer assessment: ESG policies vs practices Industry associations: membership and policy positions ANZ 13

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