Investor Presentaiton

ROYAL COMMISSION OUR APPROACH, OUR RESPONSE WE ARE DETERMINED TO RESPOND TO THE 'SPIRIT AND THE LETTER' OF THE ROYAL COMMISSION. Initial response Committed to sixteen actions that we can take now Reviewed individual cases highlighted at the Commission and take action where appropriate to resolve the matters Lessons from our experience Eight lessons based on our misconduct and failures to meet community standards and expectations Now we will identify what success measures are needed to demonstrate we have addressed these lessons Governance - aligned to the APRA self-assessment Our Royal Commission & Self-Assessment Oversight Group is overseeing our work and reports to the Board Co-chaired by Deputy CEO and CRO, involving Group Executive Australia Retail & Commercial Banking, Group Executive Talent and Culture, Group General Counsel, GGM Communications and Public Affairs, GGM Corporate Affairs Constructive engagement with reform We have analysed all 76 recommendations and will engage constructively with Government as it implements these 63% 38% ANZ ACTIONS ANZ analysis of Royal Commission recommendations 12% 5% Requires law/rule change ANZ or industry actions underway No change recommended Not relevant to ANZ1 20% ANZ's progress on sixteen actions (June 2019) 12% Actioned 19% Due by end 2019 Due by end FY19 Ongoing 1. ANZ continuing operations 31% ANZ 21

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