Targeting progress in ESG

At ANZ, we bring our purpose to life through our strategy: to improve the financial wellbeing and sustainability of customers through excellent services, tools and insights that engage and retain them, and help positively change their behaviour.

Integrating environmental, social and governance (ESG) and purpose into our strategy has created an opportunity for us to better serve our customers and generate long-term shareholder value.

As part of our ESG approach, we continue to work on and progress our ESG targets that reflect some of our most material ESG issues. Our ESG targets also support the delivery of our business practices and our purpose.

You can find below some highlights of our progress towards these targets for the first half of 2025 and a snapshot of ANZ’s ESG targets can be found on our shareholder centre.

Funding and facilitating social and environmental activities through our $100 billion target

We have a target to fund and facilitate at least $100 billion by end 2030, including $18.5 billion in 2025, in social and environmental activities through customer transactions and direct investments by ANZ. This includes initiatives that aim to help lower carbon emissions, protect nature, increase access to affordable housing and promote financial wellbeing¹.

Since 1 April 2023, we have funded and facilitated approximately $60.60 billion towards the $100 billion target. This includes $21.64 billion^1,2,3 allocated so far this financial year which exceeds the $18.5 billion 2025 sub-target.

Our detailed Social and Environmental Sustainability Target Methodology is available at anz.com/esgreport.

Supporting an increase in supply of suitable and affordable housing

Housing remains one of our most material ESG issues, noting the challenges associated with the cost of living, and housing affordability and availability in Australia and New Zealand.

As such, we have a target to fund and facilitate at least $10 billion of investment by end 2030, including $750 million in 2025⁵.

We are focused on helping improve the availability of suitable and affordable housing options for all Australians and New Zealanders by: 

• Supporting the increase in the supply of new social and affordable housing into the market; 
• Backing new housing models from pilot to scale to support delivery of a housing pipeline; and
• Financing emerging markets such as build-to-rent-to-own, specialist disability accommodation and land lease communities.

Since October 2018, we have funded and facilitated $7.02 billion to support the delivery of more affordable, accessible and sustainable homes to buy and rent. This includes $536.86 million^4,5 allocated in the first half towards the $750 million 2025 sub-target. 

Eligible housing transactions that also meet the eligibility criteria for the social and environmental target to achieve $100 billion by end 2030 may contribute towards both targets. For detail regarding the scope of this target refer to ANZ’s 2024 ESG Supplement available at anz.com/esgreport.

Financial education programs

Saver Plus is a financial education and matched savings program developed by ANZ and the Brotherhood of St Laurence in 2003. This 10-month program helps eligible people on low incomes improve their financial wellbeing through building a strong savings habit and increasing their financial capability. 

We have a target to pilot a savings program⁶ for people on lower incomes in Fiji and Vanuatu by end 2025, with at least 80 per cent of participants having demonstrated a savings habit⁷ upon completion. This half, the Fiji and Vanuatu pilots are close to completion.

Our suite of ESG reports are produced to meet the needs of our key external stakeholders, including our investors and customers, and take account of our social, environmental and economic risks and opportunities.

For more information about ANZ’s approach to ESG and our public disclosures, visit our website.

Sophie Jackman is Head of ESG Disclosures and Reporting at ANZ

¹Refer also to the ANZ Social and Environmental Sustainability Target Methodology available at anz.com/esgreport.

²This includes eight FY24 transactions that were assessed as eligible for inclusion in the target total during 1H25.

³1H25 performance subject to limited assurance by KPMG. Refer to independent assurance opinion at anz.com/esgreport.

⁴Eligible housing transactions that also meet the eligibility criteria for the social and environmental target to achieve $100 billion by end 2030 may contribute towards both targets.

⁵Q1 FY25 includes transactions validated as eligible for inclusion in the target from 22/09/2024.

⁶Saver Plus.

⁷Eight out of 10 months saving (as per Saver Plus program), measured by participant survey data.