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ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Issac Corporation.
Our ESG policies and practices
Our ESG policies and practices support us in achieving our strategy and focus on responding to our most material ESG risks and opportunities.
Ethical standards of behaviour
Our employee Code of Conduct sets the standards for behaviour expected from employees, contractors and partners at ANZ.
Effective governance structure
Our governance framework seeks to provide a structure for effective and responsible decision making at ANZ, including the approach to our climate ambition, action and accountability.
Risk management
We assess and manage potential social and environmental impacts of our lending decisions to large business customers through the application of our Social and Environmental Risk Policy, Social and Environmental Risk Standard, and Climate Risk Standard.
ANZ's Animal Welfare Principles
ANZ is a proud supporter of Australian agriculture, with over 180 years of history in providing banking services to the sector. The Animal Welfare Principles were developed in line with ANZ’s approach to managing lending risk.
Equator Principles
As a signatory since 2006, we have integrated the Equator Principles into our policies and processes, as required by the Equator Principles Association. The Equator Principles is a risk management framework for determining, assessing and managing social and environmental risks in major infrastructure projects.
Sustainable procurement
We acknowledge the critical role that third parties play in delivering services to, or on behalf of, ANZ as well as the evolving industry practices and regulatory requirements concerning third-party risk management.
Dispute Resolution Principles and Model Litigant Guidelines
The Dispute Resolution Principles set out the principles that we - and our representatives - will adopt when managing individual retail and small business customer complaints, disputes and litigation in Australia. The principles incorporate our model litigant guidelines.
Stakeholder engagement
One of the ways we create long-term value and deliver on our business strategy is through a collaborative approach to building relationships with stakeholders.
Our approach to stakeholder engagement aims to provide direct access for stakeholders, allowing us to respond to issues and effectively take stakeholder concerns into consideration when making ongoing and long-term strategic decisions.
Political and public policy advocacy
We seek to contribute constructively to public policy formation and understand the perspectives of our community's elected representatives, policy makers and regulators. Focus areas include business, economic, social and environmental, and we work in a collaborative and open way as members of associations that have similar interests and approaches to ours.
We are also a member of a number of industry associations that contribute to public policy debate and formation including Australian Bankers' Association, New Zealand Banking Association, the Business Council of Australia, Business New Zealand, the United Nations Environment Program Finance Initiative and various banking and financial services associations throughout the region.
ANZ aims to assist the democratic process in Australia by attending and participating in paid events hosted by the major federal political parties. Events may include speeches, political functions and policy dialogue forums. ANZ discloses these contributions annually to the Australian Electoral Commission and in our annual reporting.
ANZ employees and contingent workers must not lobby, communicate or undertake related activities on behalf of foreign governments or their controlled entities. This includes activities where ANZ could make or could be considered to have arranged to represent the interests of a foreign government, or an entity that is controlled by a foreign government.
ANZ's 2025 ESG Report
This report provides stakeholders with detailed information on ANZ’s ESG performance and challenges. It includes performance against our ESG targets and our management of material ESG issues.