ANZ - 2021 Annual Report

About our business We provide banking and financial products and services to around 8.7 million retail and business customers, and operate across 32 markets. Our expertise, products and services make us a bank. Our people, purpose, values and culture make us ANZ. OUR DIVISIONS Australia Retail and Commercial – serves retail, commercial and private banking customers through our branch network, business centres, ATMs, and digital and mobile banking applications. Institutiona l – serves institutional and business customers across Australia, New Zealand, Asia, Europe and America including Papua New Guinea and the Middle East. New Zealand – serves retail, commercial and private banking customers in New Zealand and is one of the largest New Zealand companies based on profit and assets. Pacific – provides products and services to retail and commercial customers located in the Pacific Islands, where our history dates back 138 years. Technology, Services & Operations and Group Centre – comprised of functions that support our business including Risk, Finance, Communications and Public Affairs, Internal Audit and Talent & Culture. OUR PURPOSE AND VALUES Our purpose is to shape a world where people and communities thrive. Launched five years ago, our purpose explains ‘why’we exist, guides the decisions we make each day and drives everything we do. Our values are the foundation of ‘how’ we work – living our values every day enables us to deliver on our strategy and purpose, strengthen stakeholder relationships and earn the community’s trust. All employees and contractors must comply with our Code of Conduct, which sets out the expected standards of professional behaviour and guides us in applying our values. Supporting sustainable development We are committed to the United Nations (UN) Sustainable Development Goals (SDGs) and believe that business has an important role to play in their achievement. Our 2022 ESG targets support 12 of the 17 SDGs. In 2019 we became a founding signatory to the UN Principles for Responsible Banking. Under the Principles we are required to set at least two targets that address our most significant (potential) positive and negative impacts, aligned with the SDGs and the Paris Climate Agreement. Further information on our progress towards implementing the Principles, including targets we have set, is in our 2021 ESG Supplement available at OUR ENVIRONMENT, SOCIAL AND GOVERNANCE (ESG) FOCUS AREAS We are helping to respond to complex societal issues central to our customers and our business strategy. In particular, we are focusing our efforts on: Financial wellbeing – improving the financial wellbeing of our people, customers and the community by helping them make the most of their money throughout their lives Environmental sustainability – supporting household, business and financial practices that improve environmental sustainability Housing – improving the availability of suitable and affordable housing options for all Australians and New Zealanders Fundamental to our approach is a commitment to fair and responsible banking – keeping pace with the expectations of our customers, employees and the community, behaving fairly and responsibly and maintaining high standards of conduct. Integrating ESG and purpose into our strategy has created an opportunity for us to better serve our customers and generate long-term shareholder value. I NTEGRITY C OLLABORATION A CCOUNTABILITY R ESPECT E XCELLENCE OUR VALUES ARE 10 OVERVIEW HOW WE CREATE VALUE PERFORMANCE OVERVIEW REMUNERATION REPORT DIRECTORS’ REPORT FINANCIAL REPORT SHAREHOLDER INFORMATION