Australia and New Zealand Banking : ANZ 2021 ESG Investor Pack

only	2021
ENVIRONMENT, SOCIAL AND GOVERNANCE (ESG)
use	INVESTOR PACK
	ROUNDTABLE
ersonal	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

onlyThe 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 userespect to ANZ's business operations, market conditions, results of operations and financial condition, capital adequacy, specific provisions and risk management practices. When used in this presentation, the words '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 ersonalReform 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.

1

CONTENTS

OVERVIEW

only	Key messages
Our approach
	OUR ENVIRONMENTAL SUSTAINABILITY STRATEGY
	Supporting our customers and steering our portfolio
use	Enabling our business strategy
CLIMATE RISK
	OUR UPDATED CLIMATE CHANGE COMMITMENT
	Summary of key changes
ersonal	ALIGNING OUR LENDING DECISIONS TO THE PARIS AGREEMENT GOALS
Finance to back customers reducing emissions
	Aligning portfolio emissions with 2050 pathways
	ENGAGING CONSTRUCTIVELY AND TRANSPARENTLY WITH STAKEHOLDERS
	Customer engagement to support emissions reductions
	ADDITIONAL REFERENCE MATERIAL

4 - 7

5

6

8 - 11

9

11

12 - 13

14 - 16

16

17 - 22

19

21

23 - 25

24

28 - 43

2

ersonal use only

2021

ESG INVESTOR PACK

OVERVIEW

OVERVIEW

ersonal use only

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

4