Investor Presentaiton

ETHICS AND RESPONSIBLE BUSINESS MANAGEMENT COMMITTEE (ERBC) COMMITTEE ESTABLISHED 2017, GENERALLY MEETS FOUR TIMES A YEAR INDICATIVE AGENDA AND TOPICS COVERED Governance • • • Materiality Review Social and Environmental Risk policy Committee remit How we measure and communicate ESG targets monitoring Taskforce on Climate-related Financial Disclosures Our purpose and priorities • Housing • Financial wellbeing Environmental sustainability 16% 6% 11% Who we bank • • • • Lessons from the Royal Commission Emerging social issues eg. animal welfare, data privacy Asian developing nation customer onboarding due diligence External perspectives on evolving community standards and expectations Carbon policy 38% • How we bank • • Customer complaints Product suitability Vulnerable customers • Data ethics 29% Committee membership Chair: CEO Chief Risk Officer Group Executive, Talent & Culture Group General Counsel Group GM, Corporate Affairs GM Credit, Specialised Lending and Head of Social and Environmental Risk Group GM, Group Strategy Deputy Chief Executive Officer Group GM Communications & Public Affairs • Customer Fairness Advisor Business representatives, currently: • • MD, Retail & Business Banking, New Zealand GM, Business Banking, Australia Country Head, Singapore & Head of SEA, India and Middle East 3rd Party Advisor: Simon Longstaff, Executive Director, Ethics Centre ANZ 12

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