2015
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITEDANZ Overview
CGI Glass Lewis Webinar
December 2015

Business mix
Cash profit and lending by geography
Cash profit

19%

Lending (NLA)

Australia &New Zealand
Asia Pacific,
Europe andAmerica

83%

Lending (NLA) by division

Australia &New Zealand
85%

97.8%

Retail & Commercial

Asia Pacific,
Europe andAmerica

Total Exposure at Default

25%

75%

15%

2.0%
0.2%

Total portfolio
ex Resources
Resources ex
Coal
Coal

Institutional

NLA: Net Loans and Advances
EAD Exposure at Default
All figures based on Financial Year ended 30 September 20152Resources Portfolio – as disclosed in FY15 results
Resources exposure by sector (% EAD)
Total EAD (Sep 15) : $20.0b
50%
37% 39%40%
30%

As a % of Group EAD: 2.2%

43%
28%

23%

22% 23%25%
18% 16%20%
10%0%

Oil & Gas

Metal Ore Mining
FY1215%

18% 19% 17%
11%

Coal Mining
FY1314%13%
6%Services to Mining¹
FY146%

7%

Other Mining

FY15

Resources exposure credit quality (EAD)

Resources portfolio management• Portfolio is skewed towards well capitalised and4.3

EA & Other($b)
5.1

27%

26%

11%

73%

74%

89%

AUS ($b) (includes
NZ ($b)10%)
9.7 Iron Ore0.9

46%
54%
Aus

NZ
Investment Grade1.

ASIA ($b)

Asia

Other

Sub-Investment Gradelower cost resource producers. Over a third of thebook is less than one year duration.

• Investment grade exposures represent 68% ofportfolio vs. 64% at FY14.

• Trade business unit accounts for 19% of theTotal Resources EAD.

• Services to mining1 customers are subject toheightened oversight given the cautious outlook forservices sector.

Services to Mining includes businesses that perform a range of Mining support activities on a contract or fee basis such as petroleum and mineral
exploration.

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Regulation and engagement
Regulation• The Australia banking sector is subject to significant regulatory oversight• ANZ operates across 34 markets and actively engages with domestic and international
regulators• For FYE 30 September 2015, almost 50 reviews were conducted by 27 regulators across
25 countries
Stakeholder engagement• ANZ undertakes a comprehensive engagement program with stakeholder groups fromboard level down
• In 2015, ANZ was rated a top 5 company for: (i) Overall Best IR by a Company in theASX200; (ii) ASX Top 50 Best IR; (iii) Best Corporate Reporting; (iv) Best Investor Day;(v) Best use of technology1• In 2015, ANZ was again recognised as a leading bank globally on the Dow Jones
Sustainability index, scoring 94/100, our highest score to date.
• ANZ received a disclosure score of 100 out of 100 from CDP in 2015, and an award for‘consistently high quality climate change disclosure 2006-2015’ as one of only three
Australian companies to be included on the CDP Climate Disclosure Leadership Index for10 consecutive years.
• ANZ has been a constituent of the FTSE4Good Index since 2001
• ANZ has been assessed as one of the 100 Most Sustainable Corporations in the World in
the 2015 Corporate Knight’s Global 100 index based on performance in 12 sector
specific sustainability metrics
1 AIRA best practice investor relations awards results, November 2015 (Australasian Investor Relations Association)

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‘Bridging low carbon economy’• ANZ recognises the ‘bridging’ required for the transition to a low carbon economy.
• We support pragmatic measures that can advance carbon reduction goals while ensuring economic growth.
• These measures include funding increased energy efficiency in industry, low emissions transport, green

buildings, reforestation, renewable energy and battery storage, emerging technologies (such as carbon captureand storage) and climate change adaptation measures.

• The transition will involve a mix of energy fuel sources: renewables, gas and coal.
• We recognise the social and economic importance to many of the markets and communities in which we
operate of existing energy resources.

• We are adopting a 'Bridging to a low carbon economy' framework that includes the following elements:- A statement on climate change and the role ANZ will play in supporting the transition to a low carbon
economy.

-A new public target to fund and facilitate $10 billion by 2020 to support our customers to transition to a low
carbon economy via the measures above. For example over the past year we have worked with a major
retailer to pilot energy efficiency initiatives in LED lighting, refrigeration and air conditioning, and instituted
a pilot program of solar sites across their network.

-We will consider financing new coal fired power plants that use advanced technologies and higher quality
coal1 to significantly reduce emissions to at least 0.8 tCO2/MWh. This means power generation at up to~50% lower emissions than many power stations in use today. It also means we will not finance any newbuild of conventional2 coal fired power plants.

-New lending for coal mining, transportation and use of coal in electricity generation, will support customers
meeting or demonstrating credible and time-bound commitment towards best practice, for example:

 Reducing greenhouse gas emissions and improving energy efficiency
 Commitment, capacity and proven track record to manage the social and environmental impacts of theiroperations (for example, effective dust management plans for the transportation of coal, andcomprehensive community engagement plans for mining activities).

1Lower carbon emitting coal (generally higher calorific value and lower moisture levels).

2 “Conventional” plants are those plants not utilising advanced, commercially proven technologies (such as supercriticalor ultra-supercritical boilers, gasification or circulating fluidised boilers) to significantly reduce CO2 emissions.

5Sustainability
Managing social and environmental risks and opportunities
Approach• ANZ's approach to sustainability supports
achievement of our business strategy by guiding theway we make decisions and conduct business in allof the markets in which we operate. Our decision
making processes take into account the social andenvironmental impacts of ANZ's operations andprioritise building trust and respect amongst ourstakeholders.

Key highlights$74.8
millionin community investment181.7%

proportion of low carbon energy
generation in our project financeenergy portfolio2$10billion

commitment to support ourcustomers to transition to a low
carbon economy by 2020

87%of employees have adopted flexible
working practices>360K

people reached through our financial
education program MoneyMinded3

68%

reduction of Lost Time Injuries overthe last ten years in Australia>108K

hours volunteered by employees• ANZ reports bi-annually on our sustainability
performance.

40.4%

Women in management4• Our 2015 Corporate Sustainability Report will be
released on 9 December and available on anz.com>146K

customers registered for goMoney™
in the Pacific since launch in 2013

1.
2.
3.
4.

Includes foregone revenue.
From a 2011 baseline of 59%.
Since 2003 (estimated number).
Based on employee headcount.

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The material in this presentation is general background information about the Bank’s activities current at thedate of the presentation. It is information given in summary form and does not purport to be complete. It is
not intended to be relied upon as advice to investors or potential investors and does not take into accountthe investment objectives, financial situation or needs of any particular investor. These should beconsidered, with or without professional advice when deciding if an investment is appropriateThis presentation may contain forward-looking statements including statements regarding our intent, belief
or current expectations with respect to ANZ’s business and operations, market conditions, results ofoperations and financial condition, capital adequacy, specific provisions and risk management practices.
When used in this presentation, the words “estimate”, “project”, “intend”, “anticipate”, “believe”, “expect”,“should” and similar expressions, as they relate to ANZ and its management, are intended to identify
forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date hereof. Such statements constitute “forward-lookingstatements” for the purposes of the United States Private Securities Litigation Reform Act of 1995. ANZ does
not undertake any obligation to publicly release the result of any revisions to these forward-looking
statements to reflect events or circumstances after the date hereof to reflect the occurrence ofunanticipated events.
For further information visit

www.anz.comor contact
Jill Craig
Group General Manager Investor Relations
ph: (613) 8654 7749 fax: (613) 8654 9977

e-mail: jill.craig@anz.com