ANZ 2021 ESG Investor Pack

ENVIRONMENT, SOCIAL AND GOVERNANCE (ESG)
INVESTOR PACK
2021
ROUNDTABLE
26 NOVEMBER 2021
Approved for distribution by ANZ’s Continuous Disclosure Committee
Australia and New Zealand Banking Group Limited 9/833 Collins Street Docklands Victoria 3008 Australia
ABN 11 005 357 522

DISCLAIMER & IMPORTANT NOTICE
1
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2
OVERVIEW4 –7
Key messages5
Our approach6
OUR ENVIRONMENTALSUSTAINABILITY STRATEGY8 –11
Supportingour customers and steering our portfolio9
Enabling our business strategy11
CLIMATE RISK12 –13
OUR UPDATED CLIMATECHANGE COMMITMENT 14 –16
Summary of keychanges16
ALIGNING OUR LENDING DECISIONS TO THE PARISAGREEMENT GOALS17 –22
Finance to back customers reducing emissions19
Aligning portfolio emissions with 2050 pathways21
ENGAGINGCONSTRUCTIVELY AND TRANSPARENTLY WITH STAKEHOLDERS23 –25
Customer engagement tosupport emissions reductions24
ADDITIONALREFERENCE MATERIAL28 –43
CONTENTS

ESG INVESTOR PACK
2021
OVERVIEW

OVERVIEW
4
1Significant opportunities arising from a decarbonising economy
2ANZ well positioned to facilitate the transition to net zero emissions
3Responding through a new Environmental Sustainability Strategy and priority areas of focus
4Our updated Climate Change Commitment sets out our “more finance for lower emissions” targets
5Update on our engagement with 100 of our largest emitting business customers

KEY MESSAGES
RESPONDING TO CLIMATE RISKS AND EMBRACING THE OPPORTUNITIES
5
•Climate change is a financial risk, and a shared challenge for our customers, governments and the
financial sector
•The transition to a low carbon economy also presents new and significant opportunities. Trillions in
investment will be required for the world to transition to net zero emissions by 2050
•We are embracing these opportunities as we move to: protectthe bank by enhancing our climate risk
management, adaptto the change, engagewith our stakeholders; and preparethe bank for the future
•The biggest role we can play is through our financing, services and advice –backing customers that
have the right plans and commitments in place
•We commit to providing more finance to support customers, the community and the economy to
achieve lower emissions
•We are in a strong position to support the transition to a net zero emissions economy –through our
people, experience, capabilities and global footprint

OUR APPROACH
6
ANZ’s CLIMATE AMBITION
To be the leading Australia-and New Zealand-based bank in supporting customers to transition to net zero emissions by 2050
Facilitated by...
The opportunity
The pathway to net zero emissions presents significant financing opportunities, which we’ll realise together with our customers
Engage constructively and
transparently with
stakeholders
Reduce our own
impact and
emissions
Our Climate Change
Commitment
Our sensitive sector
policies and screening
tools
An integrated risk
management approach
Industry and product
expertise
Align lending decisions
to the Paris goals
Help our customers and
industries to transition
Our key focus areas to achieve our net zero ambition
Staff with deep
understanding of climate
risks and opportunities
Our environmental sustainability strategy
Support our customers in shifting to low carbon business models and operations through directing our finance, services and advice
into key priority areas and sectors

A GLOBAL TRANSFORMATION IS REQUIRED
7
1.Source: Vivid Economics, McKinsey
2.Includes: Lithium, Copper, Nickel, Cobalt and rare earths
3.Source: Department of Industry, Science, Energy and Resources and Australian Trade and Investment Commission Australia’s Critical Minerals Strategy (2019)
4.Source: BloombergNEF, ANZ Research
5.Source: ANZ and McKinsey
6 & 10. Source: McKinsey
7.Source: Australian Hydrogen Council’s ‘National Hydrogen Strategy’
8.Source: ANZ
9.Includes: Sequestration, carbon-offsets, reduction and environmental market units
TRANSITION TO NET ZERO REQUIRES ~$125 TRILLION¹ IN INVESTMENT, WITH >50% REQUIRED ACROSS ASIA–PACIFIC
REGION
Critical minerals
sector
2
Globally expected to double
to US$100b by 2030
3
Transitioning energy
from high to low
carbon
E.g. renewable energy
projects pipeline carries
global investment value of
~AU$270b
4
Electrification of
transport
Sector likely to need total
transition spend of US$10
trillion
5
, as the world
converts to electric vehicles
Food, beverage and
commodities
Sector likely to need
AU$5.7b
6
in investment
each year to meet net zero
by 2050
Hydrogen
Global demand is projected
to reach:
~200Mt by 2040
~400Mt by 2050
7
Carbon capture use
and storage
>60 projects in operation /
under development
globally
8
Environmental
markets
9
Expected to increase 15x
by 2030
10
driven by net
zero commitments
ESG advisory
Increasing requirements for
corporates and funds to
develop / deliver
environmental sustainability
strategies

ESG INVESTOR PACK
2021
OUR ENVIRONMENTAL SUSTAINABILITY STRATEGY

SUPPORTING OUR CUSTOMERS AND STEERING OUR PORTFOLIO
AMBITION TO BE THE LEADING AUSTRALIA-AND NEW ZEALAND-BASED BANK IN SUPPORTING CUSTOMERS TO
TRANSITION TO NET ZERO EMISSIONS
9
KEY PRIORITY AREAS AND SECTORS WE’LL PURSUE
1.Banking sustainable resource extraction in areas such as iron ore, lithium, nickel, cobalt, rare earths, copper and bauxite
2.Banking basic materials production including green steel and low-carbon aluminiumproduction
3.Financing new technology projects focused on upstream hydrogen and carbon capture use and storage
4.Initial focus on financing high-efficiency residential buildings and retrofits
5.Supplying green investment options for environmental sustainability-focused funds/insurers and partnering with financial institutions to deliver alternative capital
Supporting
sustainability in
resource extraction¹,
basic materials² and
new technologies³
Enabling the
transition
towards lower
emissions
buildings⁴
Assisting
sustainable
food, beverage and
commodities
practices and
supply chains
Increasing our
support for
companies in
transitioning
energy from
high to low
carbon
Banking the
electrification
of the
transportation
value chain
Offering
solutions to, and
partnering with,
sustainability-focused
financial institutions⁵

•Helping companies move goods and capital across the region
•Operating in 32 markets globally, in Asia for 50+ years
•Support multi-national and regional corporates through
the supply chain, across our network¹
•Leading Institutional bank in home markets²
,
³
•Banking customers that are leading the transition
globally
•Environmental Sustainability
•Financial Institutions & Funds
•Digital Platforms & Automation
•Cross Border Payments
•Data & Insights
WELL POSITIONED TO SUPPORT OUR CUSTOMERS
10
Markets &
customers
Banking
solutions
Strategic
initiatives
Industry
expertise
•Resources, energy &
infrastructure
•Food, beverage &
agribusiness
•Financial institutions
•Transportation & logistics
•Property
•Telecommunications,
media, entertainment &
technology
•Manufacturing
•Consumer & Retail
•Government, Education,
Health
1.Ranked #1 by Greenwich Associates for overall relationship quality in Asia
2.Ranked #1 by Peter Lee Associates for overall relationship strength, support through COVID and ESG & Sustainable Finance in Australia
3.Ranked #1 by Peter Lee Associates for overall penetration, relationship strength, support through COVID and ESG & Sustainable in New Zealand
4.Ranked #1 by Peter Lee Associates for ESG Market Leader and ESG Lead Provider in Australia and New Zealand (customers using ESG)
5.Source: Bloomberg bond and syndicated lending league tables. Debt Capital Markets @ 30 Sep 2021. Syndicated Lending @ YTD 2021
DEBTCAPITAL MARKETS
•#1 Mandated Lead Manager and Bookrunner in
AUD in 2021; #1 for the past 10+ years
5
•#1 Mandated Lead Manager and Bookrunner in
NZD in 2021; #1 for the past 15+ years
5
LOAN SYNDICATION
#1 Mandated Arranger and Bookrunnerin
Australia/NZ in 2021; #1 in 8 of the past 10 years
5
LeadingInternational Bank as Mandated Arranger
and Bookrunnerin Asia–Pacific (ex Japan) in 2021
5
SUSTAINABILITY
•#1in ESG Finance in Australia and
New Zealand
4
•Funded and facilitated $21.95bin sustainable
solutions since 2019
INSTITUTIONAL
Transaction Banking
•Trade; Payments & Cash Management; Supply Chain
Corporate Finance
•Lending; Specialised Finance; Corporate Advisory &
Syndications
Markets
•FX; Rates; Commodities; Credit & Capital Markets;
Risk Management solutions

ENABLING OUR BUSINESS STRATEGY
INVESTING IN KEY PARTS OF OUR BUSINESS
11
To deliver on our ambition to be the leading Australia-and New Zealand-based bank in supporting customers to transition,
we will investin our business across a number of areas
Deepening our
understanding of the
transition for our
customers, employees
and the community
Strengthening our
environmental
sustainability risk
management and
practices
Tailoring our industry
and product
strategies based on
how we can better help
clients and their sectors
position for change
Evolvingour
governance models
to protect ANZ
and our clients
Maintaining a focus on
technological and
digital innovation,
e.g. using data to help
clients navigate change
Developing the right internal culture and mindset
focused on environmental sustainability

ESG INVESTOR PACK
2021
CLIMATE RISK

MANAGING CLIMATE RISK
ACTIVELY MANAGING CLIMATE RISK WITHIN OUR GROUP RISK MANAGEMENT FRAMEWORK
13
Focused on managing the risks and the opportunities of climate change
This includes:
•Engaging closely with our largest emitting business customers on the work they’re doing to transition to a low carbon future
•Understanding significant reductions in the cost of energy alternatives, aided by new technology
•Understanding how the transition to net zero emissions will impact globaldemand for natural resources and the flow-on effects to prices
•Engaging with our regulators on climate risk guidance for banks and financial institutions
Enabled greater oversight and control for our Board and Executive Committees on climate risks
Key actions:
•Have set a public ESG target to develop an enhanced climate risk management framework that strengthens our governance and is responsive to climate
change (by end 2022). To help deliver on this target we’ve established new work streams,including:
oRegulatory –monitoring emerging trends from regulators in key markets, relating to climate risk management, to assess impacts and ensure
compliance against new obligations
oAnalytics –measuring the carbon intensity of industry exposures within our portfolio and developing ESG data and analytical capabilities
•Establishedanew Climate Advisory and Coordination Forum, which is Chaired by the Group Executive, Institutional and includes the Group Chief Risk
Officer
•Responding to APRA’s Climate Vulnerability Assessment, which examines the material exposures and financial risks banks may face due to climaterisks
•Embedding our environmental sustainability strategy into our risk function through updates to our risk appetite statements, approval processes, and a
new centreof excellence for how we assess and approve deals

ESG INVESTOR PACK
2021
OUR UPDATED CLIMATE CHANGE COMMITMENT

OUR UPDATED CLIMATE CHANGE COMMITMENT
OUR KEY FOCUS AREAS
15
Supporting customers and
industries to transition
Aligning our lending
decisions to the Paris
Agreement goals
Reducing our footprintEngaging constructively and
transparently with
stakeholders
•Implementing our
environmental sustainability
strategy
•Providing finance, services
and advice
•Supporting an orderly
transition
•Metrics, pathwaysand
targets to support low
emissions lending
•Setting targets for
renewable electricity
usage, lowering
greenhousegas emissions
•Empowering and
educating our employees
•Engaging with our largest
emitting business
customers
•ESG market briefings and
roundtables
•Reporting risks and
opportunities using TCFD
recommendations
1
2
34

SUMMARY OF KEY CHANGES IN OUR 2021 CLIMATE COMMITMENT
FOCUS AREACHANGE
Supportingthe
transition
State ourambition to be the leading Australia-and New Zealand-based bank in supporting customers to
transition and how we will achieve this
Employee development
on climate risks and
opportunities
Commit to equip our people with a deeper understanding of climate risks and opportunities, focused on
Institutional banking teams in key sectors
Aligning our lending
with the Paris
Agreement goals
To reduce our portfolio emissions, we commit to align our lending with the Paris Agreement goals, including
through two new emissions intensity pathways and targets. We intend to expand this work to more carbon
intensive sectors in future, in line with our Net-Zero Banking Alliance commitment
Financing energy¹
customers
Set expectations for energycustomersto commit to and disclose “Paris-aligned” business plans, including:
establishing specific, time bound, public transition plans and diversification strategies; reporting transparently
on climate risk and alignment to Paris goals; participatingin industry initiatives²; and measuring and
disclosing Scope 3 emissions from supply and value chains
Biodiversity and
climate change
Recognise the link between climate change and biodiversity loss and commit to broaden our engagement with
our largest emitting business customers to include biodiversity
1.The energy sector includes integrated oil and gas companies involved in exploration, development and refining as well as low carbon energy solutions, thermal coal mining, and integrated power
utility companies such as renewable energy and coal. We will seek “Paris-aligned” business plans for any new customers, and by 2025 for existing customers
2.For example, in the oil and gas sector, capturing and storing methane in line with the Methane Guiding Principles
16

ESG INVESTOR PACK
2021
ALIGNING OUR LENDING DECISIONS TO THE PARIS AGREEMENT GOALS

ALIGNING OUR LENDING DECISIONS TO THE PARIS AGREEMENT GOALS
SUPPORTING OUR ENERGY CUSTOMERS TO REDUCE THEIR EMISSIONS
18
•Our success in supporting a net zero transition will be driven by our financing of customers to reduce their emissions
•To achieve this, we are:
•Focusing our lending and support to energy customers with public Paris-aligned emissions reductions plans
•Expandingour investment in low or zero emission technologies
•Factoring climate change risk into lending decisions for large business customers, assessing their capacity to respond to climate
change and evolving regulatory landscape
•Specifically our Climate Change Commitment sets out that we will:
•Support newenergy customers which have Paris-aligned business plans
•Support existingenergy customers, with an expectation by 2025 they:
•Establish specific, time bound, public transition plans and diversification strategies
•Report transparently on climate risk and alignment to Paris goals
•Participate in industry initiatives such as those targeting reductions in methane
•Measure and disclose Scope 3 emissions across their value chains

FINANCE TO BACK CUSTOMERS REDUCING EMISSIONS
TARGETS¹ SET FOR CARBON INTENSIVE SECTORS
19
1.Both targets measure the portfolioemissions inthose sectors on an ‘emissions intensity’ basis. For power generation we calculate the debt-weighted average of our customers’ emissions intensity (kg
CO
2
per megawatt-hour of electricity generation). For commercial buildings we calculate the emissions from these buildings and divide them by the net lettable area.
Large-scale commercial propertyPower generation
NEW TARGET:
60% emissions intensity reduction by 2030 for major commercial
buildings in Australia owned by our large REIT and funds
customers
NEW TARGET:
50% emissions intensity reduction by 2030
for our global power generation portfolio
•We will finance the opportunities for faster and deeper cuts in emissions
presented by: improved energy efficiency; greater electrification of final
energy use; voluntary purchases of green electricity; and self-generation
of electricity from solar PV installations
•Major customers have already committed to achieving net zero emissions
targets by 2030 and are making good progress
•Building assets covered by the target represent around 20–25% of our
total exposures to the non-residential building sector
•We know decarbonising will require an increase in electricity generation.
The challenge will be to meet that demand growth with clean energy
sources –our new target seeks to meet this by influencing the types of
customers and projects we support
•Our 2030 target of 129kgCO₂/MWh is a portfolio average. The target is set
against a 2020 baseline of ~260kg CO₂/MWh
•Engagement with power generation customers will be focused on how they
intend to reduce the emissions intensity of power supplied to their
customers
•We have set emissions intensity reduction targets for large-scale commercial buildings in Australia and global power generation.This
means more finance for less emissions
•We will progressively expand our coverage of key sectors up to 2024

•Using our two new emissions intensity 2030 targets for our large-scale Australian commercial buildings and global power generation
portfolios, we have defined and disclosed net zero aligned pathways
•Our pathways set our strategy and course out to net zero by 2050 and use credible decarbonisation scenarios
•The pathways allow us to:
•Determine how each sector is performing against a Paris-aligned path
•Better pinpoint and manage customers that may be more exposed to transition risks; and help them to capture the growing
opportunities that come with the transition
•Assess the speed and extent to which we are transitioning our exposure to key sectors
•Provide transparency about how our financing is aligned with climate scenarios
•We will use these pathways to help steer our lending decisions in line with the Paris Agreement goals
MORE FINANCE FOR LESS EMISSIONS
EMISSIONS INTENSITY TARGETS SET OUR PATHWAYS
20

ALIGNING PORTFOLIO EMISSIONS WITH 2050 PATHWAYS
COMMERCIAL REAL ESTATE POWER GENERATION
EVERY SECTOR HAS ITS OWN TRANSITION PATH
21
2030
2030

BACKING CUSTOMER DECARBONISATION
22
COMMERCIAL PROPERTY
“Property CompanyCorp.”
POWER GENERATION
“Energy CompanyCorp.”
Paris-aligned
targets set
their path
In 2020: Disclosed Paris-aligned plans and decarbonisation
strategy
By 2025/2030
•Low carbon fuel alternatives for machinery
•Require min. NABERS¹ 5-star energy rating on offices
•Suppliers to reduce emissions from building materials
By 2040/2050:Reach net zero emissions
•All green leases for tenants
•Renewable energy tariffs
•Zero operational emissions
•Phased out diesel and gas
In 2020: Disclosed science-based GHG emissions intensity
reduction targets
•Current emissions intensity 630kg CO₂/MWh
By 2030: Reduce emissions by 50%
•Target of 315kg CO₂/MWh
From 2030 to 2040: Reduce emissions a further 50%
•Target by 2040 of 158kg CO₂/MWh
By 2050: Achieve net zero emissions
Investment
decisions we
support
Company increasingly investsin:
•Electric construction plants & equipment
•Onsite renewable energy
•Battery storage in buildings
•Decarbonisedheating and cooling infrastructure
To aid transition, company develops lower-emission base load
alternatives to coal fired generation which is being
progressively retired
Company increasingly invests in:
•Large-scale renewables and energy infrastructure
•Wind farms, solar farms, and short duration battery storage
•Constructing pumped hydro (long duration storage)
1.National Australian Built Environment Rating System
ILLUSTRATIVE EXAMPLES OF CUSTOMER PATHWAYS THAT ALIGN WITH OUR PORTFOLIO TARGETS

ESG INVESTOR PACK
2021
ENGAGING CONSTRUCTIVELY AND TRANSPARENTLY WITH STAKEHOLDERS

CUSTOMER ENGAGEMENT TO SUPPORT EMISSIONS REDUCTIONS
100 OF OUR LARGEST EMITTING BUSINESS CUSTOMERS
24
1.We reviewed 87 of our 100 largest emitting business customers in February 2021, and then reached the full 100 in September 2021,grouping each customer into the four categories. The weighted average
has improved from 2.71 to 2.65 in this six month period
2.Includes steel, aluminium
3.Includes coal, oil and gas
4.Includes education, telecommunications, waste management, healthcare facilities and accommodation
•Now engaged with 100 of our largest emitting business customers, supporting them to establish or strengthen transition plans
•These customers produced more than 150 million tonnes of direct (Scope 1) CO
2
emissions during 2019–20 for their Australian-based
operations. This is around 30% of the national total for Australia
•We consider three key elements constitute a robust low carbon transition plan: governance, targets and disclosures (preferably aligned
with the Taskforce on Climate-related Financial Disclosures)
•Overall good progress is being made: customers have improved their governance, strategies and targets or disclosures
•Many customers have clearly demonstrated their intention to develop Paris-aligned or science-based targets
•As part of our engagement we expect more customers to make substantive progress towards their targets and improve their plans
Customer transition plans in 2021
were grouped into levels of maturity
(A)ADVANCED
(B)DEVELOPING/INTERMEDIATE
(C) UNDERDEVELOPED/STARTINGOUT
(D)NOPUBLICPLANS
100 OF OUR LARGEST EMITTERS –BY SECTOR
% based on Exposure at Default
•~60% NZ/INTERNATIONAL
•~40% DOMESTIC
~20%
~30%
~25%
~15%
~10%
Resources (Mining)
3
Electricity Gas & Water Supply
Manufacturing
2
Transport and Storage
Other
4
100 OF OUR LARGEST EMITTERS –BY CATEGORY¹
0
10
20
30
40
D (4)A (1)B (2)C (3)
Sep-21Feb-21

PROGRESS WITH OUR 100 LARGEST EMITTING BUSINESS CUSTOMERS
EXAMPLES OF IMPROVEMENT THROUGH CATEGORIES
25
A
BCD
DEVELOPING/ INTERMEDIATEADVANCEDUNDERDEVELOPED/ STARTINGOUT
NOPUBLICPLANS
ENERGY COMPANY
•During our engagement, customer has
moved up from Category B to Category A
•Governance:
•Targets: 
•Disclosures: 
•Customer:
•Acknowledges climate risk is a
material risk and opportunity; has
well-developed plans and actions (by
reference to their governance, targets,
disclosures, and committed to net zero
emissions by 2050)
•Climate resilience is a key pillar of its
sustainability strategy
•Public goal of net zero emissions by
2050 across its portfolios
•TCFD-aligned reporting
•Strong governance in place to manage
climate risk
DIVERSIFIED INDUSTRIAL COMPANY
•During our engagement, customer has moved
up from Category C to Category B
•Governance:
•Targets: 
•Disclosures:
•Customer:
•At a developing / intermediate
category: acknowledgement, well
developed plans and actions
•Public climate change commitment;
climate issues are considered by
Sustainability Management Committee
that report to their Board
•2030 emissions reductions targets in
place
•Reports using the TCFD guidelines,
scope to improve
•A long-term vision of striving for net
zero by 2050
LARGE COMMODITIES COMPANY
•During our engagement, customer has
moved up from Category D to Category C
•Governance:
•Targets: 
•Disclosures: 
•Customer:
•At an underdeveloped / starting out
category: acknowledgement, but with
limited plans and/or actions
•Sustainability and climate risk
discussed with Board Risk Committee
at regular intervals; Chairman and
CEO oversee their climate approach
•Has targets to reduce ‘emissions
intensity’ across some of its operations
•Moving towards TCFD-aligned
reporting; has a ‘TCFD index’ in its
reporting
In place / met
In progress

ESG INVESTOR PACK
2021
NEXT STEPS

NEXT STEPS
27
1) Supporting customers and industries to transition:
•To deliver on our Environmental Sustainability Strategy we will invest in building out our existing strengths to capture the
opportunities, including in:
•Developing new capabilities and products; investingin our people and training; investing in data and technology solutions
2) Aligning our lending decisions to the Paris Agreement goals:
•Continue setting new targets and disclosing additional sector specific pathways to reduce our portfolio emissions by 2030
3) Reducing our own footprint:
•Setting new emissions targets in 2022 for our operations, and working towards our goal of 100% renewable electricity by 2025
4) Engaging constructively and transparently with stakeholders:
•Continue supporting 100 of our largest emitting customers to implement / strengthen their low carbon transition plans & enhance
their efforts to protect biodiversity, by end 2024
•Continue examining ways to integrate transition plan engagement and outcomes into regular customer discussions / assessments
Other areas of focus for 2022 and beyond include:
•Aligning with regulatory guidance on climate-related risk governance, including stress-testing of selected portfolios
•Extending analysis of flood-related risks to incorporate bushfire and other risks relating to retail customers through our work with
APRA on its Climate Vulnerability Assessment
•Further developing an enhanced climate risk management framework that strengthens our governance and anticipates potential
climate-related impacts and associated regulatory requirements

ADDITIONAL REFERENCE MATERIAL
2021
ROUNDTABLE
26 NOVEMBER 2021
Australia and New Zealand Banking Group Limited 9/833 Collins Street Docklands Victoria 3008 Australia
ABN 11 005 357 522

MAKING STRONG PROGRESS AGAINST KEY INDICATORS
29
SNAPSHOT OF OUR ENVIRONMENTAL SUSTAINABILITY PERFORMANCE
Lower emissions
financing target
$21.95b
towards$50b target¹
Our sustainable
finance participation
Engaged with 100 of
our largest emitting
business customers
Governance
25% of our Ethics and
Responsible Business
Committee agenda is on
‘who we bank’
4
ANZ operations
Scope 1+2 emissions
down 47%
since 2015
Thermal coal
exposure
Exposure reduced by
~75% since 2015
Direct exposure to
renewables +~55%
5
1.Since 2019
2.Total volume of deals ANZ has participated in
3.These are the three key elements we consider constitute a robust low carbon transition plan
4.Includes: Carbon policy, sensitive transactions and industry sector reviews
5.$1,425m project finance commitment to renewable energy as at 30 September 2021 (made only on a non or limited recourse basis to the ultimate sponsors. The figure does not include ANZ lending madeto renewable energy
projects that may be funded under corporate debt facilities or through other lending products).
20202021
39 deals
$59b²
81 deals
$119b²
88%Governance³
76%Targets³
51%
TCFD-aligned
disclosures³

KEY BUSINESS AREA INITIATIVES
SUPPORTING OUR CLIMATE AMBITION
30
1.Since October 2020
RETAIL
SMALL & COMMERCIAL BUSINESSES
INSTITUTIONAL
•Supporting household practices to
improve environmental sustainability,
e.g. supported >1,000 NZ
households
1
into healthier homes
through our Health Home Loan
Package and our interest-free
insulation loans
•Developing scenarios for retail
mortgagesestimating the potential
financial impact of extreme future
weather events; in coming years, will
seek to identify geographic areas
that are most exposed
•Extending analysis of flood-
related risksto incorporate bushfire
and other risks relating to retail
customers
•ANZ / Clean Energy Finance
Corporation Energy Efficiency
Asset Finance program,
incentivisingcustomers to invest in
energy efficient and renewable
energy technologies. FY21 closed
152 deals, worth $39.6m volume
•Engaging with the Australian
Bureau of Meteorology annually
to aid customer discussions on
managing variability in rainfall and
impact on farming practices; how
customers are structuring their
finances to ensure ongoing viability
•Implementing our Environmental
Sustainability strategy by
targeting priority sectors where we’ll
support customers; and developing
sustainability-focused culture /
mindset amongst employees
•Working with 100 of our largest
emitting business customers to
encourage their transition, and
including a focus on biodiversity in
our engagement
•Low carbon products and services
within our Institutional business
focused on climate-related
opportunities

MARKET LEADING POSITION
SUSTAINABLE FINANCE VOLUMES DOUBLED IN FY21
31
GREENWICH ASSOCIATES ASIAN LARGE
CORPORATE BANKING STUDY
TOP 5 CORPORATE BANK
IN ASIA
2012–2020
PETER LEE ASSOCIATES RELATIONSHIP
BANKING SURVEYAUSTRALIA
NO.1 OVERALL MARKET
PENETRATION
2013–2021
3
PETER LEE ASSOCIATES RELATIONSHIP
BANKING
SURVEYNEW ZEALAND
NO.1 OVERALL MARKET
PENETRATION
2005–2021
ANZ has led a range of
landmark transactions in FY21
FYNo. Deals
FY15&162
FY177
FY188
FY1926
FY2039
FY21 81
ANZ DEAL
GROWTH
#1 ESG/ SUSTAINABLE
FINANCE LEAD
PROVIDER
ANZ is recognised as
a market leader in
Australia and NZ
SUSTAINABILITY DEBT
HOUSE OF THE YEAR
BEST SUSTAINABLE
FINANCE HOUSE
CAGR ~62%
USDbn
CAGR ~156%
ANZ Sustainable Finance Annual Volume
2
BONDS
LOANS/ TRADE
Sustainability Bond
AUD2.5bn Sep 21
SLB AUD1.0bn Jun 21
SLB JPY7bn Dec 20
SLB JPY5.5bn Sep 21
SLB SGD250m Feb 21
SLL AUD100m May 21
Green PPP
AUD286m Dec 20
Sustainable Supply
Chain Facility
USD50m Jan 21
Sustainability Loan
AUD2.2bn Jul 21
SLL AUD1.3bn Aug 21SLL USD700m Sep 21
AUDbn
1.Global Sustainable Finance market –BNEF data as at 30/09/2021 extrapolated to 31/12/2021
2.Total volume of deals ANZ has participated in.
3.No.1 in ’13 and ’15
Global Sustainable Finance Annual Volume
1

CUSTOMER ENGAGEMENT –FINANCING SUSTAINABILITY
32
Green, Social, Sustainabilityand
Sustainability-Linked Loans
Lending to deploy capital into green, social
and sustainability initiatives, where
borrowers are required to invest in qualifying
green and / or social assets or where loan
terms are linked to improved performance
against agreed sustainability targets
HIGHLIGHT DEAL:
•July 2021 –AU$2.2 billion refinance of the
Celsus Royal Adelaide Hospital Public
Private Partnership project financing
•First Sustainability Loan Facility for the
global healthcare sector, thefinancing
aligns to the hospital’s social and green
credentials, including its 4 Star Green Star
–Healthcare As-Built rating from the
Green Building Council of Australia
•ANZ was Mandated Lead Arranger,
Intercreditor Agent and joint Sustainability
Coordinator
ESG-format bonds
Distribution of capital into green, social,
transition and sustainability initiatives, e.g.
green buildings, renewable energy or where
bond terms are linked to improved
performance against agreed sustainability
targets
HIGHLIGHT DEAL:
•February 2021 –SurbanaJurong Private
Limited’s SG$250m ten-year
Sustainability-Linked Bond which ties
sustainability targets to its bond terms,
whereby the issuer has committed to pay
investors a premium of the redemption
amount at maturity if it does not meet
these targets
•ANZ was the joint bookrunner and sole
sustainability coordinator
Green and Sustainable Infrastructure
Project Finance
Greenfields project financing to support the
development of long term sustainable
infrastructure
HIGHLIGHT DEAL:
HIGHLIGHT DEAL:
•September 2021 –AU$1.2bn financing
facility for Powering Australian
Renewables to enable its acquisition of Tilt
Renewables Australia and the
development of greenfield wind farm (Rye
Park 396MW)
•ANZ was Mandated Lead Arranger

CUSTOMER ENGAGEMENT –FINANCING SUSTAINABILITY
33
Corporate Finance Advisory Services for
Renewables
Providing advisory services in relation to the
purchase, sale and raising of capital for renewable
energy projects
HIGHLIGHT DEAL:
•In May 2021, ANZ acted as sole Financial
Advisor for J-POWER, one of Japan’s
leading electrical power generation and
transmission companies, providing
detailed valuation and advisory services
for the acquisition of a minority stake in
GNX
•The acquisition assisted GNX with
financing for its AU$750 million, 250MW
Kidston Pumped Storage Hydro Project
located in Queensland.
•The Project will be one of Australia’s first
pumped hydro energy projects and is
expected to create around 500 jobs in
North Queensland
•The Project can provide eight hours of
energy storage, enough to power 143,000
homes
Green Guarantees and Sustainable
Supply Chain
Trade facilities supporting green and
sustainability initiatives
HIGHLIGHT DEAL:
•In January 2021, we provided US$50m in
lending for Nestle’s Sustainable Supply
Chain Finance program. Suppliers for the
Nespresso Coffee line with the Rainforest
Alliance Certified (RAC) rating will receive
margin benefit; if the supplier loses its
RAC rating, pricing will increase by the
same amount
ANZ/Clean Energy Finance Corporation
Energy Efficiency Asset Finance program
Financing that incentivises small-to-medium
sized business customers to invest in energy
efficient and renewable energy technologies
that will help reduce their energy costs and
carbon emissions
•In July 2021, this program helped
finance five zero emission electric two-
door city buses in NSW totalling approx.
AU$3.81 million. ANZ is also engaged in
the proposal of a further 10 zero
emission full electric buses in QLD,
approx. $8.4 million, to be included in
this program in the coming months
•Since its launch in 2017, this program has
helped finance more than AU$225 million
of investment in over 1,000 clean energy
technology deals for our customers

OUR RESOURCES PORTFOLIO
34
RESOURCES PORTFOLIO
EXPOSURE AT DEFAULT (EAD) $b
8.6
7.8
7.0
7.4
8.2
8.2
6.7
5.9
4.9
4.0
3.5
4.4
5.2
5.4
4.1
3.9
2.9
1.7
1.4
1.2
1.5
1.2
1.1
1.0
1.3
1.1
1.0
0.9
1.0
0.9
1.2
1.2
0.7
0.7
0.8
0.6
1.7
1.2
0.8
0.7
0.8
0.6
Sep-15
17.3
0.4
Sep-19
0.4
Sep-16
14.0
Sep-17
0.3
Sep-18
0.5
16.2
Sep-20
13.0
0.5
Mar-21
0.6
Sep-21
20.0
15.3
17.0
14.2
Thermal Coal MiningMetallurgical Coal MiningMetal Ore MiningServices to miningOther MiningOil & Gas Extraction
THERMAL COAL MINING EXPOSURE
EXPOSURE AT DEFAULT (EAD) $b
0.0
0.5
1.0
1.5
2.0
Sep-15Sep-20Sep-16Mar-20Sep-19Sep-17Sep-18Mar-19Mar-21Sep-21
•Since 2015 our exposure to thermal coal mining has reduced by
~75%
•Several diversified mining customers have divested thermal coal
interests in recent years, or signalled their intention not to invest
in expansionary capex
•ANZ’s exposure to thermal coal mining is a small portion of our
overall lending (now comprising <0.05% of our Group Exposure
at Default)

DEFINING EMISSIONS INTENSITY PER SECTOR
OUR TARGETS MEASURE THE CARBON INTENSITY OF OUR SECTOR-SPECIFIC LENDING
35
1.Emissions intensity refers to volume of emissions per unit of production / unit of economic output
2.Absolute emissions refers to total quantity of greenhouse gas emissions being emitted
3.For example, Bank of England’s definition of current carbon intensity: Carbon intensity normalises a firm’s greenhouse gas emissions by its revenues, to capture the volume of emissions it produces for its size,
rather than how large a company it is. This metric is expressed in terms of the volume of carbon dioxide equivalent emissionsper million pounds of revenue.
https://www.bankofengland.co.uk/markets/greening-the-corporate-bond-purchase-scheme
•We have used sector-specific emissions intensity¹ metrics rather than absolute emissions² metrics for the
development of our new sectoral targets because we believe it’s the most effective way to track each sector’s
progress and alignment with the Paris Agreement goals
•Emissions intensity metrics³ for banks are typically calculated by adding up all the emissions produced by each
customer, using asset and company-level data, and dividing this by a unit of production relevant to that sector
•Methods for each lending portfolio to calculate its overall average carbon intensity:
•For power generation, we calculated: the percentage of lending to each customer (EAD), relative to our total
portfolio EAD, and then multiplied this ratio of debt by each customer’s emissions intensity (e.g. their carbon
emissions per megawatt-hour of electricity generated)
•For commercial buildings, we calculated: the total emissions produced, divided by each building’s net lettable
area (m²)
•This enables us compare our sector-specific customers to industry averages and benchmark against our peers

OUR OPERATIONS
COMMITTED TO MANAGING OUR SCOPE 1 AND 2 EMISSIONS
36
The COVID-19 pandemic saw ~95% of our non-branch staff working from home, significantly reducing resource
consumption across our property portfolio and consequently reducing our environmental footprint.
GHG emissions -scope 1 & 2 emissions decreased by 47%, tracking ahead of 2025 and 2030 reduction targets
•Business travel-related emissions reduced 91% (due to lockdowns and travel restrictions), avoiding 20,393
tonnes of greenhouse gas (GHG) emissions
•Closed our 111 Parramatta Rd office and relocated employees to energy efficient 242 Pitt St office,
avoiding 750 tonnes of GHG annually
Renewable energy -in 2021 our operations were powered by 36% renewable energy
•In Australia, powered by 38,975 MWh of renewable energy from the ANZ Murra Warra Wind Farm turbines
and 255 MWh of renewable energy through on-site solar arrays at ANZ head office in Docklands,
Melbourne and our Melbourne data centres
Water -office water consumption decreased by 63% since 2017
•Water saving valves installed in kitchens and bathrooms in HK; carpet steam cleaning replaced
with low moisture cleaning, saving >75,000L pa at Docklands head office
Waste-waste to landfill has decreased by 65% since 2017
•80 tonnes of waste diverted from landfill during refurbishment in Docklands; new recycling
stations in major Australian offices
Paper -consumption has reduced by 64% since 2015
•Key reasons for continued paper use include internal risk or legislative requirements

EXAMPLE CUSTOMER DISCLOSURE TOWARDS LOW CARBON FUTURE
COLES –FOOD, GROCERY AND CONVENIENCE RETAILER
37
Coles’ ambition is to be “Australia’s most sustainable supermarket”
•In March 2021, Coles announced new targets to accelerate climate action and reduce greenhouse gas emissions. These included committing:
•to deliver net-zero greenhouse gas emissions by 2050;
•for the entire Coles Group to be powered by 100% renewable electricity by the end of FY25; and
•to reduce combined Scope 1 and 2 greenhouse gas emissions by more than 75 per cent by the end of FY30 (from a FY20 baseline)
•As detailed in its Climate Position Statement, Coles acknowledges its responsibility to minimise its environmental footprint, and mitigate the environmental and social
impacts of climate change. It will do this by:
•“building the resilience of our business, supply chain and community against climate change related impacts, both physical and transitional (managing climate-
related risks and opportunities)”;
•“building a roadmap aligned with the Paris Agreement and taking action to reduce our climate impacts (decarbonisation)”; and
•“using our position and voice to play a constructive role in influencing others to meet similar goals (influencing climate action)”
•Coles’ $1.3bn in Sustainability-Linked Loans (SLL)
is the largest retail SLL to date in Australia. In Aug-2021, ANZ worked as
a Joint Sustainability Coordinator on the SLL
•Coles recently launched its Sustainability Strategy
under the focus areas of Together to Zero and Better Together which
sets out how Coles will work with its stakeholders to drive change and
create a more sustainable future for generations of Australians ahead
•ANZ has banked Coles since its demerger from Wesfarmers,
and is actively working with Coles to support it on its transition journey
•“General Corporate Purposes” loan with pricing discount and premium triggers for
achieving/missing agreed Sustainability Performance Targets (SPTs)
•SPTs are connected to Key Performance Indicators (KPIs) which align with Coles’
corporate sustainability targets. KPIs include:
•Emissions:Scope 1 & 2 GHG emissions reduction in line with itscorporate
target of reducing emissions by 75% by 2030
•Waste:Increase total waste diversion from landfill in line with its Together to
zero waste strategy
•Women in Leadership:Increase % of women in leadership positions in line
with its Better Together strategy

EXAMPLE CUSTOMER DISCLOSURE TOWARDS LOW CARBON FUTURE
COLES –FOOD, GROCERY AND CONVENIENCE RETAILER
38
Coles’ sustainability strategy
Sustainability strategyInitiatives
Together to zero emissions
•Coles, in 2019, was the first major Australian retailer to announce a power purchase agreement for renewable energy
•In March 2021, it announced its target to be powered by 100% renewable electricity by the end of FY25, and now has all
the agreements in place to meet this target, once the agreements are live
Together to zero waste
•Diverted 80.6% of solid waste from landfill (as of end of FY21)
•Stopped delivering paper catalogues to customers’ letterboxes
•No longer selling single use plastic tableware products
•No longer giving away plastic collectable toys
Together to zero hunger
•Donated the equivalent of >160 million meals to SecondBite since 2011
A team that is better together
•Percentage of women in leadership increased to 36.5% in FY21
•Recognised as Gold Employer in 2021 Australian Workplace Equality LGBTQ Inclusion Award
A community that is better together
•Raising $40 million, since 2013, for children’s cancer charity, Redkite
•Reached a new single event record in fundraising of more than $6.7 million for FightMND
Sourcing that is better together
•All Coles Own Brand seafood has been responsibly sourced since 2015. This includes fresh, thawed, frozen and canned
seafood and food products that contain seafood as a primary ingredient
•Coles uses independent and internationally recognised certification and verification programs that support ethical
practices and environmental protection in these supply chains
Farming that is better together
•$50m ‘Coles Nurture Fund’ –aimed at working with suppliers on innovation projects, including building supply chain
resilience through climate adaptation programs to mitigate impact of drought
•Australian-first sourcing policy to provide customers with quality Australian-grown fresh produce as a first priority

BIODIVERSITY
EXPANDING THE SCOPE OF OUR CUSTOMER ENGAGEMENT TO INCLUDE BIODIVERSITY FOCUS
39
CASE STUDY: Through the Foundation for Regional & Rural Renewal (FRRR), Seeds
of Renewal aims to help build sustainable communities in regional Australia
•This year, the Karrkad-Kanjdji Trust received a $15,000 grant from ANZ to help protect
local biodiversity by monitoring vulnerable habitats in Arnhem Land
•The project funded a network of cameras to study the djabbo (northern quoll) in order to
understand the impact of the Trust’s land management practices and programs on this
priority mammal species
•There is a link between climate change and biodiversity loss and we acknowledge the need to protect and restore ecosystems and
mitigate biodiversity loss, including working to halt and reverse forest loss and land degradation
•We also understand the impacts –positive and negative –our customers can have on biodiversity
•We are:
•Broadening our engagement with our largest emitting customers to include a focus on biodiversity
•Encouraging these customers to establish or strengthen their approach to biodiversity through effective board governance,
policies and strategies and disclosures
•Collaborating with industry groups and customers to identify investment opportunities in improved biodiversity or natural capital
outcomes with commercial benefits
•Biodiversity is integrated into our Social and Environmental Risk Policy
•ANZ has joined the Taskforce on Nature-related Financial Disclosures (TNFD) forum

ESG GOVERNANCE
40
Audit
Committee
Chair:
Paula Dwyer
Risk
Committee
Chair:
Graeme Liebelt
Ethics, Environment,
Social and Governance
(EESG) Committee
Chair:
Paul O’Sullivan
Digital Business
And Technology
Committee
Chair:
Jane Halton
Human
Resources
Committee
Chair:
Ilana Atlas
Nomination and
Board Operations
Committee
Chair:
Paul O’Sullivan
BOARD OF DIRECTORS
Paul O'Sullivan, Chairman
Ethics and Responsible Business
Committee (ERBC)
Accountable to the Board EESG Committee.
Chaired by CEO
A leadership and decision making body that
exists to advance ANZ’s purpose.It
generally meets five times per year. It is
comprised of senior executives from
business divisions and Group functions
Customer Resolution
Portfolio
Reports to Group Executive Australia Retail
and Commercial
Brings together our existing complaint
management teams to oversee ANZ’s fair
treatment of customers, including internal
and external dispute resolution, customer
advocacy, customer vulnerability and how
we identify and manage systemic issues
Risk Governance Oversight
Committee
Chaired by CRO
Accountable to the Board
A leadership and decision making body that
exists to oversee ANZ’s response to the
self-assessment of governance, culture and
accountability. It is comprised of Group
Executives from business divisions and
Group functions.
Reports to the Board

BOARD AND EXECUTIVE COMMITTEES WORK TOGETHER
41
INDICATIVE RESPONSIBILITIES DEMONSTRATE HOW COMMITTEES MANAGE ESG
Ethics, Environment, Social and Governance Board
Committee
Purpose: oversee measures to advance ANZ’s purpose, focusing on
ethical, environmental, social and governance matters
Oversight of the Ethics and
Responsible Business Committee
Review and monitor ethical and
ESG risks and opportunities
Oversight and approval of ANZ’s
corporate sustainability objectives
Oversight and approval of corporate
governance policies and principles
Oversight and approval of ESG
reporting
Oversight of elements of
Whistleblowing, including the policy
and the ANZ Code of Conduct
Ethics and Responsible Business Management Committee
Purpose: Operationalise Board objectives and make decisions on
issues and policies
Discuss and decide on ethical and
ESG risks and opportunities
Establish decision-making principles
and guide choices on industry
sectors, customers and transactions
we bank and how we bank
Review the adequacy, effectiveness
and fairness of ANZ’s approach to
customers experiencing
vulnerability
Monitor progress against ANZ’s
sustainability priorities including
ESG targets and the ‘What We Care
About Most’ agenda
Brand and values are aligned with
our community investment,
strategic partnerships and
corporate sponsorships
Review and decide sensitive
wholesale transactions

BOARD ETHICS, ENVIRONMENT, SOCIAL AND GOVERNANCE COMMITTEE (EESG)
INDICATIVE AGENDA AND TOPICS COVERED, GENERALLY MEETS FOUR TIMES A YEAR
42
How we measure and communicate
•Annual reporting suite, inc. ESG reporting
•Setting and monitoring ESG targets
•ESG external assurance
•External assessments / reputational indicators
Our priority areas
•Housing
•Financial wellbeing
•Environmental sustainability
How we bank
•Customer vulnerability strategy, including
accessibility
•Customer fairness
•Product suitability
•Conduct
•Reconciliation Action Plan
Who we bank
•Carbon policy, transition plans for
largest emitting customers
•Human Rights policy
•Approach to emerging social issues,
e.g. modern slavery, animal welfare
Governance
•Materiality Assessment
•Company Secretary reporting, inc. policy review,
shareholding details, directorships
•Committee forward agenda
•Review of Ethics and Responsible Business Committee
minutes
•Review of good ESG governance practices
33%
29%
24%
6%
8%
ESG topics discussed by full Board or other Board sub-committees
•Employment conditions, inc. remuneration policy
and practices
•Financial crime, inc. Anti-Money
Laundering/Counter-Terrorism Financing
•Regulator enforcement activity
•Customer Remediation•Cybersecurity

ETHICS AND RESPONSIBLE BUSINESS MANAGEMENT COMMITTEE (ERBC)
43
How we measure and communicate
•ESG targets –reviewing and monitoring
•ESG reporting
•Community sentiment ratings
How we bank
•Customers experiencing vulnerability
•Product suitability
•Accessibility and diversity
•Changing community standards
•COVID-19 Statement of Intent
Who we bank
•Industry sector & country specific reviews
•Human rights policy and Modern Slavery
•Carbon policy
•Sensitive wholesale transactions
Governance
•Materiality Assessment
•Social and Environmental Risk policy
•Governance framework for external ESG
commitments
•Good practices for ESG Committees
INDICATIVE AGENDA AND TOPICS COVERED, GENERALLY MEETS FIVE TIMES A YEAR
34%
19%
25%
6%
16%
Our priority areas
•Housing
•Financial wellbeing
•Environmental sustainability
ESG topics discussed by full Board or other Board sub-committees
•Chair: CEO•GGM, Corporate Affairs•GGM, Group Strategy•Customer Advocate,
Australia
•GM Credit, SpecialisedLending and
Head of Social and Environmental Risk
•Group Executive,
Institutional
•Portfolio Lead, Home
Owners, Australia
•MD, Commercial Banking,
Australia
•MD, Retail & Business
Banking, New Zealand
•Regional Executive, Pacific
Third-party Advisor: Simon Longstaff, Executive Director, The Ethics Centre

OUR ESG RELATED DISCLOSURES
44
ESG SupplementESG BriefingClimate ChangeHuman RightsHousingFinancial Wellbeing
https://www.anz.com/shareho
lder/centre/reporting/sus
tainability/
https://www.anz.com/content
/dam/anzcom/sharehold
er/ESG-Investor-
presentation.pdf
https://www.anz.com.au/abou
t-us/esg-
priorities/environmental-
sustainability/climate-
change/
https://www.anz.com.au/abou
t-us/esg-priorities/fair-
responsible-
banking/human-rights/
https://www.anz.com.au/abou
t-us/esg-
priorities/housing/
https://www.anz.com.au/abou
t-us/esg-
priorities/financial-
wellbeing/
ESG information &
progress against
our ESG targets
Annual event to
brief investors
on ESG matters
Update on Climate
Change related
disclosures
Our approach to
human rights
ANZ-CoreLogic Housing
Affordability Report, the
pre-eminent guide to trends
& drivers of housing
affordability across Australia
Our financial
wellbeing programs,
including ANZ Roy
Morgan financial
wellbeing indicator

FURTHER INFORMATION
45
EquityInvestorsRetail InvestorsDebt Investors
Jill Campbell
GroupGeneral Manager
Investor Relations
+61 3 8654 7749
+61 412 047 448
jill.campbell@anz.com
Cameron Davis
Executive Manager
Investor Relations
+61 3 8654 7716
+61 421613 819
cameron.davis@anz.com
Harsh Vardhan
Senior Manager
Investor Relations
+61 3 8655 0878
+61 466 848 027
harsh.vardhan@anz.com
Michelle Weerakoon
Manager
Shareholder Services & Events
+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com
Scott Gifford
Head of Debt
Investor Relations
+61 3 8655 5683
+61 434 076 876
scott.gifford@anz.com
https://www.anz.com/shareholder/centre/