Investor Presentaiton

ESG - • GOVERNANCE OVERVIEW ETHICS, ENVIRONMENT, SOCIAL AND GOVERNANCE COMMITTEE (EESG) The EESG Committee is one of 6 Board sub-committees (including: Audit Committee, Risk Committee, Human Resources Committee, Digital Business and Technology Committee, Nomination and Board Operations Committee). Its purpose is to oversee measures to advance ANZ's purpose, focusing on ethical, environmental, social and governance matters. The Committee generally meets four times a year. It is chaired by David Gonski and its members include Ilana Atlas, Jane Halton and Sir John Key. • ETHICS AND RESPONSIBLE BUSINESS MANAGEMENT COMMITTEE (ERBC) The Ethics & Responsible Business Committee is a leadership and decision making body that exists to advance ANZ's purpose. The Committee generally meets four times a year. It is chaired by the CEO and is comprised of senior executives from business divisions and Group functions, including Risk, Communications and Public Affairs and Human Resources. Dr Simon Longstaff from The Ethics Centre joined the Committee in June 2018 as an independent voice, bringing an ethical perspective to the complex decisions we make every day. ROYAL COMMISSION AND APRA SELF ASSESSMENT OVERSIGHT GROUP Co-chaired by Deputy CEO and Chief Risk Officer. Involves Group Executive Australia Retail and Commercial Banking, Group Executive Talent and Culture, Group General Counsel, GGM Communications and Public Affairs, GGM Corporate Affairs. Reports to the Board. CUSTOMER FAIRNESS ADVISOR Colin Neave (former Commonwealth Ombudsman) was appointed as our first Customer Fairness Advisor at the end of 2016 signalling the start of a number of changes we knew we needed to make. - • Developed customer remediation principles and dispute principles. Conducted review with an independent consumer advocate on the Royal Commission Interim Report case studies. Reports directly to the CEO. CUSTOMER ADVOCATE Works with customers and ANZ to facilitate fair complaint outcomes and minimise the likelihood of future problems. Voluntary pathway offering customers a further opportunity to resolve their complaint with us. Operates autonomously of ANZ business units. Reports to the Group Executive, Australia Retail and Commercial Banking and is bound by the Customer Advocate's findings in all cases. ANZ 26

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