ANZ requires all corporate customers to be assessed for potential social and environmental issues. The screening process is applied to all new customers, all material new transactions of existing customers and annual reviews of all customers.

We have developed a number of processes and tools to help reduce and/or mitigate social and environmental risk in our lending. These include:

Where social and environmental issues are identified, we expect our customers to manage and mitigate these issues. We support our customers to address any impacts and in some instances we may require the customer to employ an independent third-party to undertake assessments. These may become part of the terms of products or services provided by ANZ.

There may be some situations where we are unable to work with a customer to manage social and environmental issues. Where the risks identified cannot be managed in accordance with ANZ's social and environmental risk requirements, the product or service may be declined.