The report covers ANZ’s future challenges and opportunities, and its response to some of the most pressing issues raised by its stakeholders, including upgrading responsible lending practices in the Personal and Institutional businesses, improving financial literacy and inclusion; and managing the Group’s environmental "footprint" and supply chain.

Reports from ANZ’s major divisions "“ including New Zealand - describe how corporate responsibility is integrated across the business.

The report also highlights areas for improvement including the deeper integration of social and environmental considerations into ANZ’s Institutional lending decisions "“ a concern raised by some stakeholders throughout the year. Since printing the report ANZ has adopted the Equator Principles and released a draft forest and biodiversity policy (http://www.anz.com/cr/environment) which is available on ANZ’s website for stakeholder review and comment.

The report was prepared in accordance with internationally recognised sustainability reporting frameworks and assurance standards. Supplementary reports available online include:

Any comments and feedback on the report, can be sent to Ms Julie Bisinella, Head of Corporate Responsibility, via http://www.reportalert.info/ra/ANZ010207.htm

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