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  • Overall approach
    9/16
    • Overarching commitment on deforestation
      8/14
      Deforestation commitment
      Reduce deforestation
      8/14
      "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
    • Company must have anti-corruption policy
      1/2
      Anti-corruption
      Policy prohibiting abusive tax arrangements
      1/2
      "As part of our tax governance framework, we have implemented compliance policies, procedures and programs to ensure continued adherence with the tax laws in all the countries where we operate. Tax compliance is a fundamental part of business practices of ANZ and our controlled entities. ANZ undertakes periodic internal tax control testing and reports this to the Board Audit Committee. ANZ’s tax culture and business practices are consistent with ANZ’s values and aspirations. ANZ does not enter into any arrangements that are designed to avoid or reduce the tax that we or our customers and partners owe. The tax governance and tax transfer pricing governance policy"
  • Commodity score
    30/64
    • Beef & Leather
      21/64
      • Commitment Strength
        16/42
        • Commodity-specific financing policy
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.4/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
        • Companies must protect priority forests or globally important landscapes
          7.4/9.6
          • Commitment details
            All high priority landscapes - Encouraged
            6/8
            Commitment details
            All high priority landscapes - Encouraged
            6/8
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
        • Assurance mechanism to ensure compliance
          0/5.6
          • Commitment details
            No
            0/4
            Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
        • Commitments must be timebound
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        5/22
        • Company must ensure Free, Prior and Informed Consent
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
    • Palm oil
      42/64
      • Commitment Strength
        36/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Deforestation-free
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
        • Companies must be legally operated
          3.4/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The standards contained in this policy are directly applicable to all ANZ financial products and services that involve material exposures to client activities in forests5 and which potentially impact on biodiversity6 . This includes but is not limited to: native forest management; plantation establishment and management (including palm oil and rubber); timber harvesting and down-stream processing; forest and timber products trading; the conversion of forests to plantations and other land uses; and activities carried out by ANZ clients in forests that have significant impacts on the environment and biodiversity. "
        • Companies must protect priority forests or globally important landscapes
          7.4/9.6
          • Commitment details
            All high priority landscapes - Encouraged
            6/8
            Commitment details
            All high priority landscapes - Encouraged
            6/8
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
        • Assurance mechanism to ensure compliance
          5.4/5.6
          • Commitment details
            Require
            4/4
            Commitment details
            Require
            4/4
            Certification scheme (if applicable): RSPO

            Verification method: Certification Scheme
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
        • Companies must have a grievance mechanism
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
        • Commitments must be timebound
          5.4/5.6
          • Commitment details
            Require
            4/4
            Commitment details
            Require
            4/4
            Type of policy: Companies set own deadline but must be timebound
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."
      • Social Considerations
        5/22
        • Company must ensure Free, Prior and Informed Consent
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
            Policy applies to all stages of the supply chain
            None
            0/0.4
            "Our suppliers, whether directly or through their supply chain, are therefore required to comply with all applicable laws and in all cases to adhere to the following principles detailed in this code as a condition of doing business with ANZ. [...] Promote an inclusive and respectful workplace whereby race, religion, age, sexual orientation, gender, pregnancy, maternity, and/or disability are no impediment to recruitment and/or ongoing employment. Foster gender balance and greater diversity in the workforce, leadership pipeline and senior executive ranks while ensuring that recruitment and advancement is based wholly on merit"
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
    • Soy
      21/64
      • Commitment Strength
        16/42
        • Commodity-specific financing policy
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.4/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The standards contained in this policy are directly applicable to all ANZ financial products and services that involve material exposures to client activities in forests5 and which potentially impact on biodiversity6 . This includes but is not limited to: native forest management; plantation establishment and management (including palm oil and rubber); timber harvesting and down-stream processing; forest and timber products trading; the conversion of forests to plantations and other land uses; and activities carried out by ANZ clients in forests that have significant impacts on the environment and biodiversity. "
        • Companies must protect priority forests or globally important landscapes
          7/9.6
          • Commitment details
            All high priority landscapes - Encouraged
            6/8
            Commitment details
            All high priority landscapes - Encouraged
            6/8
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "Currently, we commit to conducting social and environmental screening for corporate customers, which includes an assessment of their human rights performance. This screening may result in the need for Public Information 5 remediation of affected stakeholders by the customer, which if required by us is documented and tracked in action plans as part of the customer file. "
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
        • Assurance mechanism to ensure compliance
          0/5.6
          • Commitment details
            No
            0/4
            Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
        • Commitments must be timebound
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        5/22
        • Company must ensure Free, Prior and Informed Consent
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
    • Timber, Pulp & Paper
      36/64
      • Commitment Strength
        31/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            "ANZ acknowledges the socio-economic value of the forest industries and is committed to supporting businesses in their efforts to meet customer demands for responsibly produced timber and associated products. There is no one globally accepted standard of sustainable forest management yet there is a growing requirement from the users of forest products for greater assurance that timber-based products are sourced from well managed forests. Forest management certification has emerged as a widely accepted assurance process to confirm operating practices are consistent with a recognized forest management standard. "
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "ANZ acknowledges the socio-economic value of the forest industries and is committed to supporting businesses in their efforts to meet customer demands for responsibly produced timber and associated products. There is no one globally accepted standard of sustainable forest management yet there is a growing requirement from the users of forest products for greater assurance that timber-based products are sourced from well managed forests. Forest management certification has emerged as a widely accepted assurance process to confirm operating practices are consistent with a recognized forest management standard. "
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "ANZ acknowledges the socio-economic value of the forest industries and is committed to supporting businesses in their efforts to meet customer demands for responsibly produced timber and associated products. There is no one globally accepted standard of sustainable forest management yet there is a growing requirement from the users of forest products for greater assurance that timber-based products are sourced from well managed forests. Forest management certification has emerged as a widely accepted assurance process to confirm operating practices are consistent with a recognized forest management standard. "
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "ANZ acknowledges the socio-economic value of the forest industries and is committed to supporting businesses in their efforts to meet customer demands for responsibly produced timber and associated products. There is no one globally accepted standard of sustainable forest management yet there is a growing requirement from the users of forest products for greater assurance that timber-based products are sourced from well managed forests. Forest management certification has emerged as a widely accepted assurance process to confirm operating practices are consistent with a recognized forest management standard. "
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The standards contained in this policy are directly applicable to all ANZ financial products and services that involve material exposures to client activities in forests5 and which potentially impact on biodiversity6 . This includes but is not limited to: native forest management; plantation establishment and management (including palm oil and rubber); timber harvesting and down-stream processing; forest and timber products trading; the conversion of forests to plantations and other land uses; and activities carried out by ANZ clients in forests that have significant impacts on the environment and biodiversity. "
        • Companies must be legally operated
          3.4/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas11, and/or activities which are illegal and which threaten established traditional rights."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders
            0.2/0.4
            "The standards contained in this policy are directly applicable to all ANZ financial products and services that involve material exposures to client activities in forests5 and which potentially impact on biodiversity6 . This includes but is not limited to: native forest management; plantation establishment and management (including palm oil and rubber); timber harvesting and down-stream processing; forest and timber products trading; the conversion of forests to plantations and other land uses; and activities carried out by ANZ clients in forests that have significant impacts on the environment and biodiversity. "
        • Companies must protect priority forests or globally important landscapes
          7.4/9.6
          • Commitment details
            All high priority landscapes - Encouraged
            6/8
            Commitment details
            All high priority landscapes - Encouraged
            6/8
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."
        • Assurance mechanism to ensure compliance
          5.4/5.6
          • Commitment details
            Require
            4/4
            Commitment details
            Require
            4/4
            If Other, specify here: "ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."
            "ANZ requires independent specialist or verifier statements to provide assurance ofperformance requirements or certification. ANZ does not endorse any one certificationscheme but seeks those that demonstrate international good practice."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."
        • Companies must have a grievance mechanism
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."
        • Commitments must be timebound
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        5/22
        • Company must ensure Free, Prior and Informed Consent
          5.4/5.6
          • Commitment details
            Yes - Require
            4/4
            Commitment details
            Yes - Require
            4/4
            "We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
  • Reporting & Implementation
    5/20
    • Policy is reviewed and updated
      0/5
    • Companies must disclose subsidiaries in commodity supply chains
      0/5
    • Monitoring and non-compliance process
      5/5
      Monitoring compliance
      Yes - Timebound non-compliance statement
      5/5
      "Policy Deviations – If ANZ becomes aware that a client is operating outside the requirements of this policy, we may engage with the client, relevant stakeholders and appropriate authorities to clarify and resolve the situation to ANZ’s satisfaction. In a situation where a client is operating outside the requirements of this policy and unable to demonstrate a commitment to continuous improvement, ANZ may consider discontinuing the business relationship."
    • Reporting on implementation of the policy
      0/5
  • Commitment strength
    25/42
    Avg. score
  • Social considerations
    5/22
    Avg. score

Profile

ANZ are an international bank headquartered in Australia providing services to private, retail, small business and corporate clients. Their services include pensions, insurance, investments, corporate finance, financial market products and retail banking. As of 2017, ANZ's total assets amount to approximately 890 billion AUD with net loans and advances of more than 580 billion AUD. They are among the top 40 lenders to Forest 500 companies, with loans amounting to more than 7 billion USD predominantly in the packaged foods and agricultural commodities sectors.

HQ
HQ 
Australia
Financial institution type
Financial institution type 
Asset management, Bank

How we assess the Forest 500

Investors and lenders need to adopt and implement strong deforestation policies that ensure their investments are not funding the destruction of forests.

All assessments use policies published on financial institution websites, some links may have changed or been removed since the time of assessment.

Disclaimer

This assessment has been carried out following the methodology developed for the Forest 500 project, available here. Please see our disclaimer applicable to all information contained within this site and our terms and conditions for use of data presented on this site.

All assessments use policies published on company and financial institution websites, and while we endeavor to keep them updated some links may have changed or been removed since the time of assessment.

Please contact us with any concerns or feedback about this or other assessments included in the Forest 500.