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Our Environmental, Social and Governance (ESG) approach

Our purpose at ANZ is to shape a world where people and communities thrive. We're focused on integrating our purpose and ESG approach into our business strategy. This has created opportunities for us to better serve our customers and generate long-term shareholder value.

Our ESG approach is focused on three key areas - Financial Wellbeing, Environmental Sustainability and Housing - where we're responding to complex societal issues central to our customers and business strategy. These focus areas are underpinned by a commitment to Fair and Responsible Banking.


Focus areas

Financial wellbeing

Improving the financial wellbeing of our customers, employees and the community at large by helping them make the most of their money throughout their lives.

More about financial wellbeing

Environmental sustainability

Supporting household, business and financial practices that improve environmental sustainability.

More about environmental sustainability


Improving the availability of suitable and affordable housing options for all Australians and New Zealanders.

More about housing

Fair and responsible banking

Keeping pace with the expectations of our customers, employees and the community, behaving fairly and responsibly and maintain high standards of conduct.

More about fair and responsible banking

ESG targets

Each year, we set public targets that reflect our strategic priorities and respond to our most material Environmental, Social and Governance (ESG) issues. We regularly review and report on our progress in publicly-available reports. Below is a snapshot of our progress on some of our key initiatives.

ESG performance snapshot


customers supported to build a savings habit since October 2020.

ANZ Saver Plus program

$21.95 billion

funded and facilitated towards the environmental sustainability of our customers, since October 2019.

Sustainability-linked lending

$1.43 billion

financed in affordable, accessible and sustainable homes to buy and rent.

Affordable housing

Further information

ESG policies and practices

Our integrated approach to ESG, linked closely with our purpose, values and culture, supports the sustainable delivery of our business strategy. Our ESG policies and practices support us in achieving our strategy and focus on responding to our most material ESG risks and opportunities.

ESG policies and practices

Human rights

We support and respect the human rights of our employees, customers and communities in line with international standards, our Code of Conduct and our Values. We expect the same commitment to human rights from everyone who works for or with us.

Human rights

Environmental sustainability

We want to be the leading Australia- and New Zealand-based bank in supporting customers' transition to net zero emissions by 2050.

Environmental sustainability


Through our annual materiality assessment, we engage with internal and external stakeholders to inform our identification of ESG risks and opportunities. We seek to identify those issues that have the most potential to impact our ability to operate successfully and create sustainable value for our shareholders and other stakeholders. Further details including the outcomes of our most recent materiality assessment can be found in our ESG reporting.

ESG reporting

ANZ's 2021 Environment, Social and Governance (ESG) Supplement

This report provides detailed information on ANZ's sustainability performance and challenges. In response to stakeholder feedback, for the first time, we're releasing our ESG Supplement at the same time as the Annual Report.

2021 ESG Supplement (PDF 10.1MB)


2021 ESG Supplement

Detailed information on ANZ's sustainability performance and challenges. Released 27 October 2021.

PDF 10.1MB

2021 Half-Year ESG Targets Update

Half-yearly report on progress against key sustainability targets. Released 27 October 2021.

PDF 378kB

2021 ESG investor briefing

Our annual ESG investor briefing pack. Released 16 September 2021.

PDF 2.42MB