Investor Presentaiton

PURPOSE AN INTEGRAL PART OF OUR STRATEGY HELPED GUIDE OUR DECISION TO PROVIDE RELIEF TO FARMERS IMPACTED BY NATURAL DISASTERS SUSTAINABILITY FRAMEWORK INFORMED OUR APPROACH TO SUSTAINABLE AND AFFORDABLE HOUSING Affordable, secure & sustainable homes 'Healthy Home' Loan Package Environmentally sustainable solutions REBUILDING TRUST 090 FAIR AND RESPONSIBLE BANKING SHAPE A WORLD WHERE PEOPLE AND COMMUNITIES THRIVE • Currently resolving issues with more than 2.6m customer accounts¹ ENVIRONMENTAL SUSTAINABILITY HOUSING $928m in remediation charges taken since 1H17, $698m on Balance Sheet (31 March 2019) FINANCIAL WELLBEING ANZ is committed to the United Nations' Sustainable Development Goals (SDGs) and our Sustainability Framework, together with public targets that we set annually, supports the achievement of the SDGs. Our activities support 10 of the 17 SDGs: 1. NO POVERTY GENDER EQUALITY AFFORDABLE AND CLEAN ENERGY Retail and Commercial customer accounts DECENT WORK AND ECONOMIC GROWTH M INDUSTRY, INNOVATION ANDINFRASTRUCTURE REDUCED INEQUALITIES SUSTAINABLE CITIES AND COMMUNITIES 12 RESPONSIBLE CUNATE CONSUMPTION 13 ACTION AND PRODUCTION 17 FOR THE GOALS PARTNERSHIPS ANZ 27

View entire presentation