Our approach

Growing our business in a sustainable way requires our banking activities to be financially, socially and environmentally viable in the short and long term. Integrating social and environmental considerations into business decisions, products and services to help customers achieve their sustainability ambitions and deliver long term value for ANZ and its stakeholders is critical to this.

Our most significant social and environmental impacts are generated by our customers.  As a major lender to business across the Asia Pacific, we understand the importance of our role in supporting our customers to manage their social and environmental impacts.


Social and Environmental Risk training is mandatory for all International and Institutional Business (IIB) and Commercial employees who have approval to make credit decisions. The training incorporates ANZ’s Corporate Sustainability Framework, our Sensitive Sector policies and our approach to human rights. It also provides guidance on identifying and escalating potential issues to the Reputation Risk Committee RRC). The RRC, chaired by the Chief Risk Officer, examines lending proposals that may significantly impact ANZ’s reputation with stakeholders.  It has authority to approve, conditionally approve or decline proposals. The training is also recommended to other lending employees.

Sensitive Sector Lending Policies

We have developed Sensitive Sector policies for Energy, Extractives, Forests and Forestry, Hydropower, Military Equipment and Water. These apply wherever we operate and ensure social and environmental considerations are incorporated into our lending decisions.

We review our Sensitive Sector and associated policies regularly to ensure relevance and good practice and that current social and environmental considerations are incorporated into our banking decisions.

The Equator Principles

The Equator Principles is a set of voluntary standards designed to help banks identify and manage the social and environmental risks associated with the direct financing of large infrastructure projects such as dams, mines or pipelines. We have been signatories to the Equator Principles since 2006.

The Principles are applied to all project structured finance transactions. Their use provides a clear, structured process to identify, mitigate, manage and monitor social and environmental risks. Use of the Principles across the banking industry means customers are able to provide social and environmental assessments to one standard, acceptable to banking syndicates.