ESG PRESENTATION

COMMUNITY SUPPORT DURING COVID-19 Since March 2020, we have directed around $12 million to our community partners who are assisting those most disadvantaged in our communities. We are also delivering our financial literacy programs remotely so participants can continue learning key financial skills. COMMUNITY FUNDING • • Funds have been used to support: Financial Counselling Australia, enabling specialist financial counselling services available to women who have experienced or are experiencing domestic and family violence The Smith Family helping to build the digital inclusion and financial wellbeing of 56,000 disadvantaged families ⚫ The Brotherhood of St Laurence, to improve employability of disadvantaged Australians, including single parents, refugees and asylum seekers, and people living with disability. FINANCIAL LITERACY PROGRAMS DURING COVID-19 • Saver Plus is ANZ's flagship matched savings and financial education program that helps participants develop a savings habit, build financial resilience and improve financial capabilities. In April we implemented a COVID-19 policy to support those participants who no longer had the capacity to save to suspend their participation and have early access to their matched savings funds, despite not meeting all requirements. We remain in close contact with these participants to encourage them to resume participation when circumstances improve. We switched to remote delivery across all 60 sites so participants could continue their financial education. Remote delivery has reduced access barriers for some people. For example, single mother of two, Sharon (pseudonym) says being able to access the program online has enabled her children to sit alongside her and participate in the program. Completing the online modules with her children propelled her son into thinking about different ways to save money: "Spending leaks were a real focus for my son. He actually said to me 'Let's not buy too much. It's ok sometimes, but not every time. Then we can save that money"" Sharon recounts. "He's been talking about his dream of a two story house for years. Now he sees how we can save for that house." We continue to see significant uptake of the program there was a 16% increase in program enquiries in June 2020. - ANZ 22

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