ESG PRESENTATION

ETHICS AND RESPONSIBLE BUSINESS MANAGEMENT COMMITTEE (ERBC) INDICATIVE AGENDA AND TOPICS COVERED, GENERALLY MEETS FIVE TIMES A YEAR Governance Materiality Assessment Governance framework for external Social and Environmental Risk policy ESG commitments 12% Our purpose and priorities 9% ⚫ Housing Financial wellbeing Environmental sustainability • How we bank Vulnerable customers Product suitability Accessibility and diversity 26% 43% • Who we bank Industry sector reviews • Human rights policy • Carbon policy • • Sensitive wholesale transactions High risk customer management 10% How we measure and communicate • ESG targets reviewing and monitoring • ESG reporting Committee membership Chair: CEO GGM, Corporate Affairs GM Credit, Specialised Lending and Head of Social and Environmental Risk GGM, Group Strategy Customer Advocate, Australia Group Executive, Institutional Portfolio Lead, Home Owners, Australia MD, Commercial Banking, Australia MD, Retail & Business Banking, New Zealand Regional Executive, Pacific 3rd Party Advisor: Simon Longstaff, Executive Director, The Ethics Centre ANZ 27

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