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Investor Presentaiton

APRA SELF-ASSESSMENT RESPONDING TO IDENTIFIED THEMES SELF-ASSESSMENT AT APRA'S REQUEST ANZ submitted its self-assessment report to the Australian Prudential Regulation Authority in November 2018. The assessment identified a number of themes across the three assessment domains of culture, accountability and governance. The themes will be addressed through initiatives aligned to five focus areas. Success measures have been defined for each focus area that will allow us to assess whether our initiatives are improving what we do and how we do it. To ensure accountability, executive owners are being allocated to each group of measures. The Board will receive quarterly reports on progress against each measure. Governance of this work is integrated with our response to the Royal Commission. FOCUS AREAS Simplification Simplification of our business, products and processes Culture Governance and accountability Remediation Management of operational risk Culture including the way we reward and recognise our people Governance and accountability including how we are held to account, and how we manage and execute change Remediation including expansion of our specialist customer remediation team Review and improvement of our operational risk framework ANZ 23
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