ANZ

The ANZ website contains the following categories:

The About ANZ category contains the following sections:

Environment

Screening our clients

Our internal customer lending policies require us to assess each credit customer of our Institutional business for their involvement in industries or activities which may have an adverse impact on the environment, are ethically questionable or otherwise fall short of ANZ's policies. This assessment is part of the normal credit assessment process for Institutional clients.

They also require staff to escalate decisions to ANZ senior management where a client or transaction is judged to have the potential to impact ANZ's reputation or involves material issues of concern to our stakeholders.
Client screening tool

We have developed a practical way for our staff to assess clients. The client screening tool takes staff through a series of questions designed to gauge the potential social and environmental issues associated with their business, and therefore the implications of ANZ supporting the business. Clients are then rated on their approach to these issues.

Questions raised in the screening tool include whether the client requires an environmental licence or permit to operate, whether there is evidence of previous poor labour standards and whether the client acknowledges the social and environmental risks of their business and is managing those risks.

Approval of clients which fail to reach a threshold rating on their exposure to and management of social and environmental issues are escalated to senior ANZ management.

ANZ applies this screen to all new clients of ANZ's Institutional business. Existing clients are screened on an annual basis and again before entering any transaction judged by ANZ to have a potentially significant environmental impact.
What we do with the results

Where issues are identified during screening, we evaluate the nature of the issues and any existing or potential stakeholder concerns, discuss the issues with the client and then assess the client's capacity and willingness to manage the issues.

Based on this assessment, we decide whether to proceed with the transaction, and if so, any measures the client must take to mitigate their social or environmental impact. See Engaging the client.