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Culture and conduct

Our purpose is to shape a world where people and communities thrive. We bring this to life through our strategy, where our goal is to improve the financial wellbeing and sustainability of customers.

Our culture is what enables us to deliver on our strategy and realise our purpose. It is founded in what we value, how we behave and the way we conduct ourselves.

Our behaviours

Our behaviours describe what we need our people to be doing every day to achieve our strategy and purpose. At ANZ, we:

Create opportunities

We spark change by bringing the best ideas from inside and outside ANZ to help people and communities thrive. We're continuously improving and learning to create long-term value for our customers and the bank.

Deliver what matters

We execute well on the things that matter most for our customers and the bank, while letting go of the things that don't, moving at pace and with care to deliver great customer and risk outcomes.

Succeed together

We respect each other's expertise and perspective and bring the right people together to get the job done. We welcome feedback and challenge each other to achieve the best outcomes for our customers and the communities in which we operate.

Our values

Our values are the foundation of how we work. They underpin our behaviours, and, along with our Code of Conduct, guide our decision making on what's important and what's right.  We care about:


We are honest and fair by speaking openly and transparently, making thoughtful and balanced decisions, doing what's right and acting with courage.


We work together for the customer, by getting the right people together to get the job done and helping each other.


We take ownership and get things done - we do what we say we'll do, find the solutions by testing and learning and act with determination.


We care for all those we serve. We value difference and encourage everyone to have a voice, think and act with consideration for our customers, community and the environment.


We challenge ourselves to be better and this is done by making things simple, finding ways to work differently, using data to improve and asking as well as acting on feedback.


Our Code of Conduct (Code) and supporting policies set the expected standards of behaviour linked to our values. All employees and contractors are required to complete training, reinforcing the importance of our values and Code, within two months of commencement and then on an annual basis. The training seeks a declaration of compliance with the Code - by completing the course, participants confirm they understand the Code’s principles and have complied with them over the last 12 months.

Every employee is responsible for assisting in the prevention, detection and reporting of conduct that is inconsistent with our values and Code and policies. Our Whistleblower Policy ensures that all employees, contractors and external auditors can raise concerns regarding actual or suspected contraventions of our ethical and legal standards freely and without fear of repercussions.

Where there is evidence that someone may have breached our Code and policies, we investigate and, where such allegations are substantiated, take appropriate disciplinary action. This includes formal warnings, dismissal and, where relevant for more senior employees, bonuses being reduced.

We publicly report on breaches of the Code and reports under our Whistleblower Policy in our annual ESG Reporting.


ANZ's 2023 Environment, Social and Governance (ESG) Supplement

This report provides detailed information on ANZ's focus on bringing our purpose to life through helping tackle significant societal challenges that are core to our business strategy and matter to society.

2023 ESG Supplement (PDF 5.3MB)