Investor Presentaiton

SUSTAINABILITY TARGETS HALF YEAR PROGRESS SNAPSHOT FAIR AND RESPONSIBLE BANKING Increased specialist retail remediation team (people) Implement new Dispute Resolution Principles in Australia Create best experience for our customers¹ March 2019 March 2018 200 130 Complete 4th 3rd ENVIRONMENTAL SUSTAINABILITY Fund and facilitate at least $15b by 2020 in low carbon sustainable solutions² Reduce scope 1 & 2 emissions by 24% by 2025 and 35% by 20303 FINANCIAL WELLBEING $14.6b $8.36b -23% -13% Help enable social and economic participation of 1 million people by 20204 Increasing women in leadership to 33.1% by 2019 (34.1% by 2020) >889k5 >550k5 32.4% 31.9% 608 365 Recruiting >1,000 people from under-represented groups by 2020 HOUSING Fund and facilitate $1b of investment by 2023 to deliver ~3,200 more affordable, secure and sustainable homes to buy and rent (Australia) NZD100m of interest free loans to insulate homes for ANZ NZ mortgage holders # Loans approved (Value) $315m 677 (NZD2.5m) Note: This information has not been independently assured. KPMG will provide assurance over ANZ's full year performance against targets in its annual sustainability reporting to be released in November 2019. 1. Australia Retail: Roy Morgan Research Single Source, Australian population aged 14+, Main Financial Institution, six month rolling average to March 2019 and 2018. Ranking based on the four major Australian banks; 2.Including renewable energy generation, green buildings and less emissions intensive manufacturing and transport; 3. Reducing the direct impacts of our business activities on the environment; 4. Through our initiatives to support financial wellbeing including financial inclusion, employment and community programs, and targeted banking products and services for small businesses and retail customers; 5. Measured at 30 September for each respective year - full year results available in November 2019. ANZ 6

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