Agreement while supporting security of energy supply in Australia and New Zealand and working with customers, related suppliers and their employees in which they operate. This includes increasing our environmental finance commitment from $55 billion to $70 billion by 2025. In 2019, we reached a total $33.6 billion towards this goal.1 We also increased our Australian renewable energy objective from 50% to 100% by 2025. • Worked with the Energy Transitions Hub at the University of Melbourne to develop a process to geocode lending portfolio data to overlay it with transition and physical climate risk information for scenario analysis. We used this to examine the potential impact of climate scenarios related to cyclones on our Australian retail mortgage portfolio. • Performed further transition risk scenario analysis on the coal sector. • Increased disclosure of climate-related credit risk policy settings – refer to page 44 of our 2019 Sustainability Report for further detail. Our climate change disclosures align with the TCFD’s recommendations and are provided throughout our annual reporting suite. Refer to our 2019 Annual Financial Report pages 35-39 and our 2019 Sustainability Report pages 21-29.