2019 ESG Supplement News Release

Australia and New Zealand Banking Group Limited
9/833 Collins Street Docklands Victoria 3008 Australia
ABN 11 005 357 522


News Release
For Release: 13 December 2019

ANZ’s ESG Supplement highlights progress to improve
customers’ financial wellbeing

ANZ today released its 2019 Environment, Social and Governance (ESG) Supplement which
highlights progress in improving the financial wellbeing of our customers.

More than one million of our retail and commercial customers have been contacted to help
them get more value from our products and services, including customers who:

 are in receipt of eligible Centrelink or Veterans’ Affairs benefits to offer to help them
move to a low-cost, basic bank account

 are experiencing persistent credit card debt. They were provided with guidance on
debt reduction and offered the means to pay off their debt at a lower rate

 have interest only home loans set to expire within six months, reminding them of the
expiry and quantifying the expected increase in repayments at the end of the period.
They were offered the option to extend the interest only period if eligible

 have opened an ANZ Access Advantage account within the last 13–16 days,
reminding them to credit their account with regular salary payments to ensure they
are eligible for monthly account service fee waivers

 have Progress Saver periodical payments or direct debits due to expire in the next
month, to remind them an automated credit can help them receive bonus interest

ANZ Chief Executive Officer Shayne Elliott said: “We know we still have much to do to
improve customer outcomes and we remain focused on delivering against our commitments
in response to the Royal Commission. This is critical to rebuilding community trust.”

”Public disclosure of our performance against measurable targets is another way in which we
are holding ourselves to account and bringing our purpose to life.”

We have achieved or made good progress against the majority of our ESG targets this year,
with highlights including:

 improving the financial wellbeing of our customers – Saver Plus, our matched savings
program, has reached over 43,600 lower-income participants since 2003

 supporting the transition to a net-zero carbon economy – since 2015 we have funded
and facilitated $19.1 billion in environmentally sustainable solutions, exceeding our
target ahead of time. Initiatives include ‘green buildings’, low-emissions transport,
green bonds, renewable energy and efficient irrigation

 increasing the availability of suitable and affordable housing options – we were the
joint Lead Manager on a $315m National Housing Finance and Investment

Australia and New Zealand Banking Group Limited
9/833 Collins Street Docklands Victoria 3008 Australia
ABN 11 005 357 522

Corporation social bond, and Lead Manager for Housing New Zealand’s two wellbeing
bonds (NZD$500m and NZD$600m) to provide new and upgraded social housing

 contributing to the communities in which we live and work – more than 42 per cent
of our employees volunteered, providing more than 134,000 hours to community
organisations


To view a copy of our 2019 ESG Supplement visit anz.com/annualreport

For media enquiries contact:

Brett Foley, +61 466 670 880

Approved for distribution by ANZ’s Continuous Disclosure Committee