page 6: the statement relates to customer relationships and not the company's organisation or supply chain.

"Identifying where our customer risks are

Our working group identified where modern slavery practices may arise in our customer relationships by focusing on ‘high-risk’ sectors, countries and the types of labour used. Identified areas of risk included:

• Institutional and Corporate customers operating across Asia in high-risk sectors, eg. manufacturing, agriculture, construction.

• Small and medium businesses in our home markets of Australia and New Zealand, eg. agriculture sector.

• Retail and commercial customers potentially exposing ANZ to alleged criminal activity, eg. money laundering, terrorism financing and modern slavery."

page 4: ANZ statement assess the risk in broader categorization

"OUR PRELIMINARY FINDINGS INCLUDED:

- Supply chain: higher risk due to goods and services procured

- Customers: higher risk due to sectors and countries in which we, and our customers, operate

- Investment: moderate to lower risk

- People: lower risk based on skills required and location of employees