skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Our ESG policies and practices

Our integrated approach to Environment, Social and Governance (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.

How we operate

Ethical standards of behaviour

Our employee Code of Conduct describes how we work at ANZ. It's a guide to apply our values in our everyday actions and sets the expected standards of behaviour from all employees and contractors to be ethical and professional. 

More about our code of conduct and ethics

Effective governance structure

We have a dedicated Board Ethics, Environment, Social and Governance Committee, and an Executive Ethics and Responsible Business Committee. They oversee the bank's ESG performance and most material ESG risks and opportunities.

More about our governance framework

Focus on managing risk

Our robust risk policies and procedures help to identify, evaluate, monitor, control and report on material risk. Together, with our values, they support the delivery of responsible, ethical and sustainable business outcomes.

More about our risk management

Responsible business lending

We seek to assess and manage the social and environmental impacts of our lending decisions through the application of our Social and Environmental Risk Policy (the Policy) and accompanying ‘sensitive sector’ requirements.

More on responsible business lending

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.

More on Equator Principles

Sustainable procurement

We manage the social and environmental impact of our procurement decisions and work in partnership to influence the performance of our supply chain.

More on sustainable procurement

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.

Dispute resolution principles (PDF 295.kB)

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 stakeholder engagement policy applies to all employees and seeks to maintain a structured approach to engagement with external stakeholders. 

Our engagement processes are designed to ensure that stakeholders have direct access to us, allowing us to respond to issues and effectively take stakeholder concerns into consideration when making ongoing and long-term strategic decisions.

Stakeholder engagement policy summary (PDF 737kB)

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 issues affecting our customers and shareholders, 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 Bankers’ 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.

We are an active participant in the political and public policy making process.  Our approach is set out in the Public Policy Advocacy, Political Donations and Foreign Influence Policy and we publicly report all political donations in our Annual Reports.

Policy advocacy, political donations and foreign influence - Oct 2021 (PDF 165kB)

ANZ Political Donations 2015 - 2021 (PDF 95kB)

















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)