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Culture and conduct

Our ambition is for ANZ to unlock our potential to win the preference of customers, shareholders and the community. In delivering our strategy, we are supported by core enablers including our people and our culture.

Our behaviours

Our behaviours describe what we need our people to be doing every day to achieve our strategy and purpose. At ANZ, we:

Create opportunities

We spark change by bringing the best ideas from inside and outside ANZ to help people and communities thrive. We're continuously improving and learning to create long-term value for our customers and the bank.

Deliver what matters

We execute well on the things that matter most for our customers and the bank, while letting go of the things that don't, moving at pace and with care to deliver great customer and risk outcomes.

Succeed together

We respect each other's expertise and perspective and bring the right people together to get the job done. We welcome feedback and challenge each other to achieve the best outcomes for our customers and the communities in which we operate.

Our values

Our values are the foundation of how we work. They underpin our behaviours, and, along with our Code of Conduct, guide our decision making on what's important and what's right.  We care about:

Integrity

We are honest and fair by speaking openly and transparently, making thoughtful and balanced decisions, doing what's right and acting with courage.

Collaboration

We work together for the customer, by getting the right people together to get the job done and helping each other.

Accountability

We take ownership and get things done - we do what we say we'll do, find the solutions by testing and learning and act with determination.

Respect

We care for all those we serve. We value difference and encourage everyone to have a voice, think and act with consideration for our customers, community and the environment.

Excellence

We challenge ourselves to be better and this is done by making things simple, finding ways to work differently, using data to improve and asking as well as acting on feedback.

Conduct

Our Code of Conduct (Code) sets the standards for behaviour expected at ANZ.

The Code is supported by a suite of policies that are regularly reviewed to ensure they reflect legislative changes and good practice.

ANZ also expects partners (including suppliers, service providers and other relevant third parties) to adopt and uphold similar standards of ethical behaviour as outlined in the Code and ANZ’s Supplier Code of Practice.

To manage ethical conduct and compliance with the Code, all employees and contractors must complete mandatory training courses within two months of joining ANZ and regularly thereafter.Every employee is responsible for assisting in the prevention, detection and reporting of conduct that is inconsistent with our values and Code and policies.

Our Whistleblower Policy and Program ensures that all employees, contractors and external auditors can raise concerns regarding actual or suspected contraventions of our ethical and legal standards freely and without fear of repercussions.

Where there is evidence that someone may have breached our Code and policies, we investigate and, where such allegations are substantiated, take appropriate disciplinary action. This includes formal warnings, dismissal and, where relevant for more senior employees, bonuses being reduced.

We publicly report on breaches of the Code and reports under our Whistleblower Policy in our annual ESG Reporting.

 

ANZ's 2025 ESG Report 

This report provides stakeholders with detailed information on ANZ’s ESG performance and challenges. It includes performance against our ESG targets and our management of material ESG issues.

2025 ESG Report (PDF 9MB)

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