2023 ESG Forum Presentation and Investor Discussion Pack

2023
19 JUNE 2023
PRESENTATION AND INVESTOR DISCUSSION PACK
ESG FORUM
Approved for distribution by ANZ’s Continuous Disclosure Committee
ANZ Group Holdings Limited ABN 16 659 510 791
9/833 Collins Street Docklands Victoria 3008 Australia

ANZ 2023 ESG Investor Forum discussion pack
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DISCLAIMER & IMPORTANT NOTICE
The material in this presentation is general background information about ANZ’s activities current
as at the date of the presentation.It is information given in summary form and does not purport
to be complete.It is not intended to be and should not be relied upon as advice to investors or
potential investors and does not take into account the investment objectives, financial situation
or needs of any particular investor.These should be considered, with or without professional
advice when deciding if an investment is appropriate.
This presentation may contain forward-looking statements or opinions including statements
regarding our intent, belief or current expectations with respect to ANZ’s business operations,
market conditions, results of operations and financial condition, approach to climate change and
other ESG issues, capital adequacy, specific provisions and risk management practices.When
used in this presentation, the words ‘plan’, ‘forecast’, ‘estimate’, ‘project’, ‘intend’, ‘anticipate’,
‘believe’, ‘expect’, ‘may’, ‘probability’, ‘risk’, ‘will’, ‘seek’, ‘would’, ‘could’, ‘should’ and similar
expressions, as they relate to ANZ and its management, are intended to identify forward-looking
statements or opinions.Those statements: are usually predictive in character; or may be affected
by inaccurate assumptions or unknown risks and uncertainties; or may differ materially from
results ultimately achieved.As such, these statements should not be relied upon when making
investment decisions. These statements only speak as at the date of publication and no
representation is made as to their correctness on or after this date. Forward-looking statements
constitute “forward-looking statements” for the purposes of the United States Private Securities
Litigation Reform Act of 1995.ANZ does not undertake any obligation to publicly release the
result of any revisions to these forward-looking statements to reflect events or circumstances
after the date hereof to reflect the occurrence of unanticipated events.

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CONTENTS
Chief Executive Officer 3
Purpose, strategy & customer proposition4 - 6
ESG governance including annual materiality process7 - 12
ESG focus area – housing
13
Group Executive, Institutional14
Our Environmental Sustainability strategy
15
Continuing our support for the transition to net zero
16
Customer engagement to support biodiversity
17
Head of Research, Development and Financial Wellbeing &
Managing Director, Australia Retail Distribution
18
Financial wellbeing
19-20
Identifying and engaging with at-risk customers
21
A focus on accessibility and inclusion
22

2023
ESG FORUM
SHAYNE ELLIOTT
CHIEF EXECUTIVE OFFICER

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OVERVIEW
Integrated
approach to
purpose, strategy
& ESG
Focus on how we
govern ESG and
our annual
materiality
assessment
The progress
we’re making in
environmental
sustainability
Financial
wellbeing and
customer fairness

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THE INTEGRATION OF PURPOSE, STRATEGY AND CUSTOMER PROPOSITION
Our purpose
To shape a world where people and communities thrive
Our strategyTo improve the financial wellbeing andsustainability of customers
Help people start or buy
and sustainably grow
their business
Help companies move
capital and goods around
the region and sustainably
grow their business
Who we serve
Help people save
for, buy and own a
sustainable, liveable and
affordable home
ESG focus areas
Financial
wellbeing
Environmental
sustainability
Housing
Customer
experience
Information
security
Ethics, conduct
and culture
Fundamental to our approach is a commitment to fair and responsible banking

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VALUE CREATION MODEL
Better access to capital and
talent, driving greater capacity to
invest
Better financial
outcomes
Better acquisition &
retention,
higher share of target
customers
Customers will have
better financial
wellbeing, more
sustainable practices and
generate higher life-time
value for shareholders
Better data,
risk decisions and pricing
Better customer propositions:
‘purposeful’, engaging, efficient and
‘safe’
Better financial wellbeing
& sustainability outcomes
More engaged
workforce
Higher customer engagement,
greater use of our products and
services

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1.Topics are listed in alphabetical order, not ranked
ANNUAL ESG MATERIALITY ASSESSMENT
This year’s
engagement
highlighted six
of our most
material ESG
issues
1
including
our threeareas
we care about
most
Customer experience
Offering affordable, accessible and responsible financial products and services that meet customer needs. This includes
clear and transparent communications, selling practices, lending practices, and hardship and collections policies.
Environmental sustainability
Managing the business risks, opportunities and impact of our financingactivities on climate change, biodiversity and
nature, including our support to customers.
Ethics, conduct and culture
A strong corporate culture known for ethics, integrity and conducting our business responsibly and aligned to our
purpose and values.
Financial wellbeing
Building financial knowledge and resilience through our products, services and partnerships. This will help our people,
customers and communities meet their current financial commitments and future goals.
Housing
Improving the availability of and access to suitable and affordable housing for all Australians and New Zealanders.
Information security
Responding and continuously adapting to scams, fraud and cyberattacks that threaten the confidentiality and security of
systems and data.

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ESG GOVERNANCE OVERVIEW
Indicative responsibilities demonstrate how committees manage ESG
Ethics, Environment, Social and Governance (EESG) 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
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 and Ethics
Ethics and Responsible Business Management Committee (ERBC)
Purpose: seeks to ensure ANZ operates responsibly and achieves fair,
ethical and balanced stakeholder outcomes
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 fairness of ANZ’s
approach to customers
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

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1. FY23 to date (October 2022 to June 2023)
BOARD COMMITTEE GOVERNING OUR APPROACH
Board Ethics, Environment, Social and Governance (EESG) Committee – Indicative agenda and topics
1
14%
44%
14%
14%
14%
How we measure and
communicate
•Annual reporting suite, inc. ESG
reporting and external assurance
•Setting and monitoring ESG
targets
•External ESG ratings
Our purpose
•Housing
•Financial wellbeing
•Environmental sustainability
Who we bank
•Climate change commitment and transition plans for largest emitting
customers
•Biodiversity
•Emerging ESG issues
How we bank
•Accessibility and disability inclusion
•Family violence
•ANZ’s Reconciliation Action Plan
Governance
•Whistleblower program
•ESG target benchmarking
•Review of Ethics and Responsible Business
Committee minutes
•Modern slavery

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1.FY23 to date (October 2022 to June 2023)
EXECUTIVE COMMITTEE GOVERNING OUR APPROACH
Ethics and Responsible Business Committee (ERBC) – Indicative agenda and topics
1
How we measure and
communicate
•Reviewing and monitoring ESG
targets
•External ESG ratings
Our purpose
•Housing
•Financial wellbeing
•Environmental sustainability
Who we bank
•Customer reviews
•Climate change commitment and transition plans for 100 of our largest emitting
business customers
•Biodiversity
•Sensitive sector transactions
How we bank
•Product fairness
•Accessibility
•Scams and data security
Governance
•Materiality Assessment
•ESG stakeholder engagement framework
•Preparing for expanded ESG reporting
21%
29%
17%
8%
25%

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1.The S&P CSA score decline is attributable to increased expectations regarding decarbonisation strategies – with a rerating across the banking sector
Disclaimer: The use by ANZ of any ESG research data, logos, trademarks, service marks or index names herein, do not constitute asponsorship, endorsement, recommendation or promotion of ANZ by those companies.
HOW WE MEASURE AND COMMUNICATE
External report card
ESG ratings are reported regularly to the Board Ethics, Environment, Social and Governance (EESG) Committee with context provided for
any material shifts.
AgencyRating type
Scale
(best to worst)
2020202120222023Ye a r-on-year
S&P Global Corporate
Sustainability Assessment
(CSA)
100 – 0858583
To be released
~November
Declined
1
CDP Climate Change
Questionnaire
A – D-A-A-A-
To be released
~November
Stable
Sustainalytics ESG Risk
Rating
0 – 10023.224.219.418.9Improved
ISS ESG Corporate Ratings
Assessment
A+ – D-CCCCStable
MSCI ESG RatingAAA – CCCAAAAAAStable

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ETHCIAL DECISION MAKING FRAMEWORK
The framework is made up of seven principles
Protect and enhance each person’s ability and freedom to choose
Minimise potential and actual harm, especially for the vulnerable
Support progressive practices that benefit people, communities, and industries
Have the greatest impact on what we care about most
Show leadership: challenge convention and complacency
Advance ANZ’s strategic and commercial interests
Be proud to offer a complete public account of our decisions and actions
Our ethical
decision making
framework assists
our staff when
deliberating
complex issues to
consider both
what we should
do and what we
can do in various
scenarios.

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IMPROVING THE AVAILABILITY OF SUITABLE AND AFFORDABLE HOUSING
>$4.4b
Funded and facilitated to
deliver more affordable,
accessible and sustainable
homes to buy and rent
since 2018 in Australia
& New Zealand.
Our commitment is to
deliver $10 billion by 2030.
AUSTRALIA
Assemble – Homes for change
End-to-end “build-to-rent” developer and operations
manager.
Building secure, social and affordable “build-to-rent-to-own”
and “build-to-rent” apartments in suburbs where this type of
housing is needed most.
NEW ZEALAND
Good Energy Home Loan
1
Supported 4,800 households with over
NZ$200 million in new lending
2
, since
launch in 2022.
Blueprint to Build
Supported over8,000customers build a
new home through the provision of
NZ$4.5 billion of discounted lending.
1.https://www.anz.co.nz/personal/home-loans-mortgages/loan-types/good-energy/
2.As of 30 April 2023

2023
ESG FORUM
MARK WHELAN
GROUP EXECUTIVE, INSTITUTIONAL

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OUR ENVIRONMENTAL SUSTAINABILITY STRATEGY
Key priorityareasandsectorswewillpursueNew social and environmental sustainability target to
support our strategy
B
Supporting
sustainability in
resource extraction¹,
basic materials² and
new technologies³
Enabling the
transition
to wards lower
emissions
buildings⁴
Assisting
sustainable
food,beverageand
commodities
practices and supply
chains
Offering
solutionsto,and
partneringwith,
sustainability-
focused
financialinstitutions⁵
Banking the
decarbonisation
and
electrification of
the
transportation
valuechain
Increasingour
support for
companies to
transition
to low
carbon
1.Supportingsustainableresourceextractionin areassuchasironore,lithium,nickel,cobalt,rareearths,copperandbauxite
2.Supportingbasic materialsproductionincludinggreensteelandlow-carbonaluminiumproduction
3.Supportingnewtechnologyprojectsfocusedon upstreamhydrogenandcarboncaptureuseandstorage
4.Initial focusonfinancinghigh-efficiencyresidentialbuildings andretrofits
5.Supplyinggreeninvestmentoptionsforenvironmentalsustainability-focusedfunds/insurersandpartneringwithfinancialinstitutionsto deliveralternativecapital
6.New $100b social and environmental sustainability target from 1 April 2023 was established as previous $50b sustainable solutions target was on track to be met well in-advance of 2025. Previous $50b target balance of $47.09b as at 31
March 2023 does not contribute to the new target. For more information see Climate Change Commitment at https://www.anz.com.au/about-us/esg/environmental-sustainability/climate-change/
Target will be periodically reviewed and revised to ensure it continues
to match our ambition.
Previous $50 billion by 2025 sustainable solutions target was closed in
March 2023, reaching $47.09 billion
6
.
$100b
By 2030
(Commenced 1 April 2023)
To support outcomes for our customers,
including initiatives that:
•help lower carbon emissions
•protect nature and biodiversity
•increase access to affordable housing
•promote financial wellbeing

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1. For more information on ANZ’s existing pathways see ANZ’s 2022 Climate-related Financial Disclosures: https://www.anz.com.au/content/dam/anzcom/shareholder/2022-anz-climate-related-financial-disclosures-report.pdf
2. For more information see ANZ’s Financed Emissions Calculation Methodology: https://www.anz.com.au/content/dam/anzcomau/about-us/2022-anz-financed-emissions-calculation-methodology.pdf
CONTINUINGOURSUPPORT FORTHETRANSITIONTONETZERO
An update on our sectoral decarbonisation targets
Fir st Australian bank to join
the Net-Zero Banking Alliance
(NZBA).
Set emissions pathways and
targets for
1
:
-Power generation
-Large-scale commercial
real estate
Announced four additional
sectoral pathways and targets
for
1
:
-Oil & gas
-Aluminium
-Cement
-Steel
•We remain on track, by the end of 2024, to set 2030 interim targets for nine priority sectors aimed at ensuring at least 75% of our
portfolio emissions are on a net zero pathway.
•Our pathways steer lending decisions in line with the Paris Agreement goals. We expect the transition is likely to be uneven – and
there will be challenges in some sectors more than others
2
.
Plan to disclose two new
pathways for:
-Thermal coal
-Transport, made up of
three sub-sectors:
-Auto-manufacturing,
-airlines and
-shipping
2021
2022
2023

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1.As at 30 September 2022
2.In FY22
3.TaskforceonNature-relatedFinancial Disclosures
4.We acknowledge the Department of Climate Change, Energy, the Environment and Water for sponsoring the pilot study, which was facilitated by EY
CUSTOMERENGAGEMENTTOSUPPORTBIODIVERSITY
100 of our largest emitting business customers
1
•Biodiversityriskis recognisedacrossour‘sensitivesector’ lending policies.
•It is a focus area acknowledged in our Climate Change Commitment and has beenincludedin discussionswith ourlargestemitting
businesscustomers.
2
•Engagement is helping refine our screening, improving our knowledge,enhancingcapacitytofurtherengage.
•Findings from customer engagement include:
•customers have an increased willingness to improve governance and strengthening how they measure impacts on nature
•customers are less progressed in setting biodiversity targets and disclosure, compared with climate transition plans.
•Actions helping us consider biodiversity impacts and dependencies and inform our approach include:
•joining the TNFD
3
Forum
•participating in a pilot study and provided feedback on the learnings and existing barriers to adopting and implementing the TNFD
Framework in the Australian context
4
•joining the United Nations Principles for Responsible Banking – Nature Target Setting Working Group which is developing guidelines
on nature target setting and considering how banks can contribute to the Global Biodiversity Framework.

2023
ESG FORUM
KATHERINE BRAY
MANAGING DIRECTOR, AUSTRALIA RETAIL DISTRIBUTION
MOHAMED KHALIL
HEAD OF RESEARCH, DEVELOPMENT AND FINANCIAL WELLBEING

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FINANCIAL WELLBEING – CENTRAL TO OUR STRATEGY
ANZ is committed to improving the financial wellbeing of our people, customers and communities by helping them
make the most of their money throughout their lives
1.As at 30 March 2023
CUSTOMERS
COMMUNITY
CAPABILITY
•Strong uptake of ANZ Plus savings goal functionality with 27% of Plus customers having set a savings goal since
October 2022
1
•Financial Wellbeing Hub content in Australia and New Zealand with personalised messaging
•Delivering proactive customer support including communications and webinars to help customers as they head
into challenging economic times
•Long running financial education programs - MoneyMinded, Saver Plus and MoneyBusiness – are delivered with
government and community partners
•Training and employment opportunities to support economic participation for under-represented groups including
Indigenous Traineeships, Given the Chance and Return to Work
•Signed the United Nations Environment Program Finance Initiative Commitment to Financial Health and Inclusion
•Regular research of Australian and New Zealand Financial Wellbeing with quarterly snapshots through the ANZ Roy
Morgan Financial Wellbeing Indicator
•Enhancing capability in line with commitments in our Reconciliation Action Plan, Accessibility and Inclusion Plan,
and Financial Inclusion Action Plan
•Building internal capability with financial wellbeing and behavioural science expertise

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FINANCIAL WELLBEING – ANZ PLUS
ANZ Plus: digital first a plus for financial wellbeing
1.Findings from ANZ’s Adult Financial Wellbeing Survey
MORE VISIBILITY
AND CONTROL
SET MULTIPLE
SAVINGS GOALS
IN-APP SUPPORT
FINANCIAL WELLBEING COACH
APPOINTMENTS
Financial wellbeing is the guiding principle for ANZ
Plus
Provides tools and insights to help customers better manage
their money by spending less, saving more and building
healthy money habits
Active saving -a key behavioural driver of financial
wellbeing
1
ANZ Plus allows you to set and track multiple goals and earn
interest on all goals under your ANZ Save account
Customers have visibility of their spending
ANZ Plus shows money in and money out, spending by
category, detailed transaction data and upcoming expense
predictions
Financial Wellbeing appointments with a Coach
Available for ANZ Plus customers via phone or in Store

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IDENTIFYING AND ENGAGING WITH AT-RISK CUSTOMERS
Targeted communications
•Designed to encourage at-risk customers to take steps to
avoid falling behind on loan repayments and to contact ANZ
as early as possible if they are experiencing financial difficulty
Identifying customers at risk of missing repayments
•A broader scope of attributes beyond financial difficulty are
considered to assist with early identification of a wider range
of customers at-risk of missing repayments so we can offer
assistance to help these customers manage their loans
Customers experiencing financial hardship
•Identified common reasons customers provide for
experiencing financial hardship, such as reduced income,
over-commitment, medical illness, separation or natural
disasters
1.Proactive Hardship
Identify common reasons for customers entering hardship
2. Repayment Management
Identify and addressroot cause(s) for non-payment relapse
3. Non-Payment Propensity
Assessing customers’ likelihood of meeting on-goingpayment
obligations
Hi Jeffrey, we’d like to let you know you have an upcoming Personal
Loan payment for account ending in 3089 due on DD/MM/YYYY.
We’ve noticed that you recently missed a payment on your account. You
can set up a Direct Debit so your Personal Loan repayment is made
automatically. This reduces the chance of being charged late fees.
Please call ANZ on +61 3 8595 2642 or 1300 756 981 (from overseas,
call charges may apply) to discuss any changes to your situation that
may be affecting your ability to pay the amount due.

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A FOCUS ON ACCESSIBILITY AND INCLUSION
ANZ PlusANZ Breathe Branches

2023
ESG FORUM
Q&A

2023
ESG FORUM
FURTHER INFORMATION

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OUR ESG RELATED DISCLOSURES
ESG SupplementESG BriefingsClimate Change Disclosures
https://www.anz.com.au/about-us/esg/reporting/https://www.anz.com/shareholder/centre/reportin
g/ESG/
https://www.anz.com.au/about-
us/esg/environmental-
sustainability/climate-change/
Human RightsHousingFinancial Wellbeing
https://www.anz.com.au/about-us/esg/fair-
responsible-banking/human-rights/
https://www.anz.com.au/about-us/esg/housing/https://www.anz.com.au/about-us/esg/financial-
wellbeing/
ESG
information &
progress
against our ESG
targets
Annual event
to brief
investors on
ESG matters
Climate change
commitment and
climate related
financial
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,
incl. ANZ Roy
Morgan financial
wellbeing indicator

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SHAREHOLDER CENTRE & INVESTOR RELATIONS CONTACTS
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
Michelle Weerakoon
Manager
Shareholder Services & Events
+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com
David Goode
Head of
Debt Investor Relations
+61 410 495 399
david.goode@anz.com
Steven Aquilina
Associate Director
Debt Investor Relations
+61 3 8654 7778
+61 447 744 542
steven.aquilina@anz.com
ANZ Shareholders CentreANZ Debt Investors Centre