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Our 2018 Reporting Suite

“I believe ANZ’s long-term viability is dependent on us making decisions that are mindful of the impact we have on the community, our shareholders, our customers and our people.”

Shayne Elliot, CEO

This report is being released at a time of unprecedented scrutiny of our industry, particularly in Australia where the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry has highlighted misconduct and conduct falling below community standards and expectations. We do not underestimate the significance of the Royal Commission’s examination of our sector and the magnitude of the task ahead to correct our failings and demonstrate we are trustworthy.

We recognise that communicating transparently and openly with our stakeholders is critical to rebuilding the community’s confidence in us. This Annual Review not only talks to stakeholders about the challenges we face, what we have got wrong and what we are doing to fix it, but also the positive contributions we have made during the year.

Throughout this report there are case studies featuring our customers – customers we have supported to grow their business, improve their financial wellbeing and succeed in a digital world. These positive stories are in no way intended to diminish the instances where we have let our customers and the community down. They do, however, speak to the fact that, if we are to deliver a strong and sustainable bank to benefit all stakeholders, our customers must be at the centre of everything we do.

In preparing this Annual Review we have continued to draw on aspects of the International Integrated Reporting (IR) Framework to describe how our business model, strategy, governance and risk-management processes are addressing our most material issues and delivering value for our shareholders and other stakeholders. We outline our response to external social and environmental challenges, including the work we are undertaking to rebuild our reputation as a fair and responsible business, driving sustainable returns for all stakeholders. In future reports we will seek to achieve a closer alignment with the requirements of the IR Framework, particularly with respect to the connectivity between our strategy, performance metrics and remuneration outcomes.

This Review covers all ANZ operations worldwide over which, unless otherwise stated, we have operational control for the financial year commencing on 1 October 2017 and ending 30 September 2018. Monetary amounts in this document are reported in Australian dollars, unless otherwise stated.

We produce a suite of reports to meet the evolving needs and requirements of a wide range of stakeholders, including investors, customers, employees, regulators, non-government organisations and the community.

Our 2018 Annual Report at principally details our financial information. Our 2018 Corporate Governance Statement discloses how we have complied with the ASX Corporate Governance Council’s ‘Corporate Governance Principles and Recommendations – 3rd edition’. We also provide our Principal Risks and Uncertainties. These documents are available at

Our Sustainability Review complements this Annual Review, providing stakeholders with more detailed sustainability disclosures, including: performance against our sustainability targets; our approach to our priority areas of financial wellbeing, environmental sustainability and housing; and how we are managing social and environmental risk. This report will be available at in December.

Throughout this Annual Review, KPMG has considered common content which will be disclosed in the 2018 Sustainability Review1. A copy of KPMG’s limited assurance report over the 2018 Sustainability Review will be contained in that report.

We will continue to evolve and improve our reporting suite over the coming years and welcome feedback on this report. Please address any questions, comments or suggestions to

* Common content includes the following sections: sustainability metrics contained in the 2018 Performance Snapshot, Improving Customer Outcomes, Approach to Sustainability, What Matters Most, Stakeholder Engagement, 2018 Sustainability Targets, Our Climate-Related Financial Disclosures and Five Year Summary.

2018 Performance Snapshot

The reports available for stakeholders are as follows, anti-clockwise from bottom left.

  1. 2018 Annual Review
  2. 2018 Annual Report
  3. 2018 Corporate Governance Statement
  4. 2018 Half Year Corporate Sustainability Review

Other financial disclosures are available on