ANZ - 2021 Annual Review

2021 2020 2019 2018 2017 Fair and responsible banking Net Promoter Score Ranking (relative to peers) Australia Retail1 4 3 4 3 4 Australia Commercial2 4 4 3 3 4 Australia Institutional3 2 1 1 1 2 New Zealand Retail4 4 4 4 4 4 New Zealand Commercial and Agricultural5 5 5 5 5 5 New Zealand Institutional6 1 1 1 1 3 Code of Conduct Breaches 573 569 784 1,114 1,443 Investigations resulting in termination 114 93 151 226 262 Whistleblower reports 157 157 156 137 121 Financial Wellbeing People reached by our financial inclusion programs7 >67,600 >61,352 >90,850 >88,224 >80,074 Employees Employee Engagement (%)8 81 86 77 73 72 Total Women in Leadership (%)9 35.3 33.4 32.5 32.0 31.1 Recruitment of people from under-represented groups10 255 185 224 260 250 Community Total community investment ($million)11 139.7 139.5 142.2 136.9 131.1 Volunteer hours 54,645 66,402 134,930 124,113 113,127 Employee volunteering participation rate (%)12 15.5 20.5 42.4 34.6 29.4 Sustainable Finance Total funded or facilitated towards: Environmentally sustainable solutions (AU$ billion) 9.18 7.57 7.60 4.65 4.51 Housing (AU$ billion)13 1.40 1.45 Other social (AU$ billion)14 2.29 0.06 Environmental Sustainability Environmental footprint Total scope 1 & 2 (tCO2e) 111,409 134,093 156,568 171,012 180,993 Total scope 1, 2 & 3 GHG emissions (tCO2e) 153,697 203,700 250,857 266,906 273,216 Project finance portfolio15 Renewables (%) 88 87 83 76 70 Coal (%) 3 5 9 13 16 Gas (%) 9 7 8 10 13 Project finance commitment to renewable energy ($million) 1,425 1,501 1,371 1,076 1,141 1. Roy Morgan Single Source, Australian population aged 14+, Main Financial Institution, six-month rolling average to Sep’17, Sep’18, Sep’19, Sep’20 & Sep’21. Ranking based on the four major Australian banks. 2. DBM Atlas (Business). Base: Commercial (<$100 million annual turnover) Main Financial Institution customers. Six-month average to Sep’17, Sep’18, Sep’19, Sep’20 & Sep’21. Ranking based on the four major Australian banks. 3. Peter Lee Associates, 2017–2020 Large Corporate and Institutional Relationship Banking surveys, Australia. Ranking based on the four major Australian banks. 4. Retail Market Monitor, Camorra Research, six month rolling average to Sep’17, Sep’18, Sep’19, Sep’20 & Sep’21. Ranking based on the five major New Zealand banks. 5. Business Finance Monitor, TNS Kantar Research. Base: Commercial ($3 million–$150 million annual turnover) and Agricultural (>500K annual turnover) customers. Four quarter rolling average to Q3’17, Q3’18, Q3’19, Q3’20 & Q3’21. Ranking based on the five major New Zealand commercial/agricultural banks. 6. Peter Lee Associates Large Corporate Relationship Banking surveys, New Zealand 2017–2021, ranked against the Top 4 competitors. 7. Includes individuals who have participated in more than one program or product (for example, people who have participated in MoneyMinded as part of Saver Plus are counted twice as they are included in both the MoneyMinded and Saver Plus totals). 8. The 2017 engagement survey was run as a pulse survey sent to 10% of the bank’s employees with a 57% response rate. 9. Measures representation at the Senior Manager, Executive and Senior Executive levels. Includes all employees regardless of leave status but not contractors (which are included in FTE). 10. Including Aboriginal and Torres Strait Islander peoples, people with disability and refugees. 11. Figure includes forgone revenue, being the cost of providing low or fee free accounts to a range of customers such as government benefit recipients, not-for-profit organisations, students and the elderly. International transfer fees were waived for funds sent from Australia and New Zealand to the Pacific to support communities impacted by COVID-19. 12. Commenced reporting in 2017. 13. Commenced reporting in 2020. 14. Commenced reporting in 2020. Includes transactions eligible for inclusion in $50 billion target but unable to be allocated to environmentally sustainable solutions, housing or financial wellbeing. 15. Breakdowns for 2020, 2018 and 2017 do not total to 100% due to rounding. Five year summary (continued) 72 OVERVIEW HOW WE CREATE VALUE PERFORMANCE OVERVIEW REMUNERATION OVERVIEW SHAREHOLDER INFORMATION

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