Diversity and Inclusion Policy
Why it matters
1)

This policy sets out our commitment to Diversity and Inclusion. We are building adiverse workforce which reflects the communities in which we operate, harnesses
the unique capabilities and perspectives of all our people, and leverages thisdiversity of thought through an inclusive workplace which values every voice.

2)

This Policy satisfies Recommendation 1.5 of the ASX Corporate GovernancePrinciples and Recommendations (4th Edition).

When this applies
3)

This policy applies to:a. Entities: the ANZ Groupb. Users: employees and contingent workers
c. Activities: building a diverse and inclusive workplace

What needs to be done4)

ANZ believes in the inherent strength of a vibrant, diverse and inclusive workforce
where the backgrounds, perspectives and life experiences of our people help us toforge strong connections with all our customers, innovate and make better
decisions for our business. We're committed to building a workplace that reflects
the communities in which we operate by creating a diverse and inclusive workforce
and providing opportunities to under-represented groups.

5)Our approach and commitment to Diversity and inclusion is underpinned by ourvalues of Integrity, Collaboration, Accountability, Respect and Excellence (ICARE).

Workforce6)

ANZ will demonstrate its commitment to diversity and inclusion within theworkforce by:a. attracting and retaining a skilled and diverse workforce
b. seeking to ensure our recruitment and selection practices are inclusive ofdiverse candidates and addressing any bias in our systems and processes thatmight disadvantage people from diverse groups
c. facilitating equal employment opportunities based on ability, performance andpotential
d. providing employment opportunities to people from under-represented groups
who may otherwise find it difficult to secure employment, helping to facilitate
their social and economic participatione. enhancing customer experience and market reputation through an inclusive
workforce that respects and reflects the diversity of our customers.

Diversity and Inclusion Policy
Classification: Public1

Workplace7)

ANZ will demonstrate its commitment to diversity and inclusion within theworkplace by:a. fostering an inclusive workplace culture where all individuals can grow, thriveand belong
b. building and maintaining a safe work environment and speak up culture bypromoting and recognising best practicec. empowering our passionate volunteer employee diversity networks, e.g., ourPride (LGBTIQ+) and Abilities Networks
d. seeking to ensure our employees understand and demonstrate appropriate
workplace behaviour
e. offering flexible work practices to meet the differing needs of our employees in
the context of business requirementsf.

having a framework of policies, charters, systems and processes which embed
ANZ's approach to diversity and inclusion, including policies in relation to caring
responsibilities, childcare, part-time work, flexible work arrangements, Equal
Employment Opportunity, bullying and harassment

g. conducting ongoing review of our processes to remove bias
h. offering sponsorships and hosting events.

Reporting8)

ANZ commitment to demonstrating diversity and inclusion at ANZ will be reported
by:a. publicly sharing diversity and inclusion targets and reporting our performanceagainst those targets
b. transparently reporting on our gender pay gap.

Responsibilities
PositionResponsibilities

Employees and contingentworkers•••

Treat all people with dignity and respect in accordance with ANZ's Values
and Code of Conduct
Contribute to creating an inclusive workplace that values diversity anddifference, encourages collaboration and is always learning
Comply with the policies, charters, systems and processes which embed
ANZ's approach to diversity and inclusion

Talent & Culture•

Prepare diversity and inclusion reporting for incorporation into ESG
disclosures

Group Performance andExecution Committee•

Promote diversity and inclusion as an important strategic enabler toachieve business objectives across the organisation
Influence strategic direction of the diversity and inclusion agenda
including endorsing measurable objectives for diversity, including gender
diversity
Review progress against our diversity and inclusion objectives and targets
on a regular basis••

Diversity and Inclusion Policy
Classification: Public
2

ANZGHL Board – HumanResources Committee•••

ANZGHL Board – Nomination
and Board Operations
Committee•••

Review, note and monitor the effectiveness of ANZ's approach to diversityand inclusion
Review and approve measurable objectives for achieving diversity(including gender diversity) and inclusion
Annually review both the objectives and progress in achieving them,including the relative proportion of women at all levels
Monitor the effectiveness of ANZ's approach to diversity to the extent it
relates to Board diversity
Review and approve measurable objectives for achieving gender diversity
on the Board
Annually review both the objectives and progress in achieving themCompliance9)

Breaches may result in disciplinary action, and/or performance and remunerationconsequences.

10) This policy is not part of employee contracts and may be changed or retired at anytime. If the law imposes a higher standard than this policy, the legal obligation
prevails.

Definitions
11) The Policy Glossary contains standard terms. For the purposes of this document,
the following terms have these definitions when used:
a. Diversity includes age, caring responsibilities, cultural identity, disability,gender expression and identity, ethnicity, education, family/relationship status,
sexual orientation, religious beliefs, and/or socio-economic background.
Diversity also encompasses the many ways people differ in terms of theireducation, life experience, location, personality, ways of thinking, and work
experience.

Diversity and Inclusion Policy
Classification: Public3