Australian Housing Dynamics and Affordability

ANZ HAS AN INTEGRATED APPROACH TO SUSTAINABILITY PURPOSE ANZ's purpose is to shape a world where people and communities thrive ANZ's Board has the highest level of oversight for sustainability We were the first bank globally to report using the recommendations of the TCFD Chaired by ANZ's CEO, the Ethics and Responsible Business Committee is accountable for advancing ANZ's purpose ANZ's Sustainability Framework ата FAIR AND RESPONSIBLE BANKING SHAPE A WORLD WHERE PEOPLE AND COMMUNITIES THRIVE ESG TARGETS We exceeded our 2015 commitment to fund and facilitate at least AUD15bn in environmentally sustainable solutions by October 2020 We recently announced a new commitment to fund and facilitate AUD50bn by 2025 towards sustainable solutions In 2018 we renewed our support for Paris and issued a revised Climate Change Statement committing us to encourage and support 100 of our largest emitting customers transition to a low carbon economy ANZ has introduced a new target to procure 100% renewable electricity for our global operations by 2025 ANZ's business operations have been carbon neutral since 2010 ANZ has committed to enable social and economic participation of 1 million people by 2020 through our initiatives to support financial wellbeing Through the Healthy Homes initiative, we have committed to provide NZD100m of interest free loans to insulate homes for ANZ mortgage holders in New Zealand TEAM ANZ Group Treasury has implemented Green and Sustainability Bond programs with ~AUD1.8bn on issue currently, and intends to target annual issuance with their programs. ANZ has a dedicated Sustainable Finance team that actively works with institutional customers to fund requirements for a transition towards a low carbon, more sustainable economy ANZ was awarded the Best Sustainable Finance House 2018 award by FinanceAsia Contributed to market development across Asia Pacific through the following industry group memberships: • ICMA Green Bond Principles • Climate Bonds Initiative (CBI) partner • LMA/APLMA Green Loans Committees SteerCo & Technical Working Group Members/Leads - Australian Sustainable Finance Initiative and NZ Sustainable Finance Forum ⚫ UN Global Compact's Action Platform for Financial Innovation of the SDGS A ENVIRONMENTAL SUSTAINABILITY HOUSING FINANCIAL WELLBEING "Each year, ANZ sets public targets which reflect our strategic priorities and respond to our most material environmental, social and governance issues (ESG)." -news.anz.com 4 November 2019 "ESG used to be something you did as an add-on. Now it's an integral part of how we run the bank - it's part of everything we do." Shayne Elliott, CEO ANZ 18

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