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2023-03-17 00:00:00
Briefing: The role of financial institutions in decarbonising the steel sector
2023-03-09 00:00:00
Dutch bank ING supports controversial pipeline to import gas from authoritarian Azerbaijan
2023-02-23 00:00:00
Financial institutions need to address steelmaking’s coal addiction
2023-02-07 00:00:00
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2023-03-28 13:43:00
French bank Société Générale withdraws from Rio Grande LNG
2023-03-20 08:50:41
Who dares to finance Eni and Exxon’s dangerous Rovuma gas plans in Mozambique?
2023-03-14 14:59:00
New ING policy could spark bank shift away from financing oil and gas infrastructure
2023-02-24 13:46:14
Pego power station conversion plans halted
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2022-11-22 00:00:00
Banking on Thin Ice: Two years in the heat
2022-11-17 00:00:00
BankTrack Global Human Rights Benchmark 2022
2022-10-21 00:00:00
Burning forests in the name of clean energy? How banks are failing to exclude the harmful wood biomass industry from finance
2022-06-28 00:00:00
The East African Crude Oil Pipeline (EACOP): Finance Risk Update No. 3
2022-04-05 00:00:00
The BankTrack Human Rights Benchmark Asia
2022-03-30 00:00:00
Banking on Climate Chaos 2022
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Home › Banks ›
Bank
ANZAustralia

Active

This profile is actively maintained
Last update: 2023-03-14 11:58:40
ANZ head office in Melbourne. Photo: Public Domain (Sydney Architecture Archive)

Active

This profile is actively maintained
Last update: 2023-03-14 11:58:40
About
Website http://www.anz.com.au
Headquarters
833 Collins Street, Docklands
3008 Melbourne
Australia
CEO/chair Shayne Elliott
CEO
Supervisor
Reserve Bank of Australia
Ownership
listed on Australian Securities Exchange & New Zealand Stock Exchange

ANZ's shareholder structure can be accessed here.

The Australia and New Zealand Banking Group Limited, commonly called ANZ, is the fourth largest bank in Australia, after the Commonwealth Bank, the National Australia Bank, and Westpac. ANZ was established in 1951. In addition to operations throughout Australia and New Zealand, ANZ has banking activities in 34 other nations. ANZ is the largest bank in New Zealand, where it operates two brands: ANZ and the National Bank of New Zealand.

Sustainability
Commitments
Policies
Voluntary standards

ANZ's most important sustainability commitments can be found at the website sections listed below.

Links

Environmental, Social and Governance (ESG) approach

ESG policies and practices

ANZ has the following CSR policies in place:

2022-11-25 00:00:00

Approach to Climate Change 2022

Bank policy
2022-11-25 00:00:00 | ANZ
2022-11-02 00:00:00

ESG Supplement

Bank policy
2022-11-02 00:00:00 | ANZ
2022-07-31 00:00:00

Anti-bribery and anti-corruption policy

Bank policy
2022-07-31 00:00:00 | ANZ
2022-05-31 00:00:00

Human rights statement

Bank policy
2022-05-31 00:00:00 | ANZ
2022-05-31 00:00:00

Anti-money laundering and counter-terrorism financing policy

Bank policy
2022-05-31 00:00:00 | ANZ
2021-11-30 00:00:00

Land Acquisition Position Statement

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-30 00:00:00

Energy policy

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-30 00:00:00

Extractive industries policy

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-30 00:00:00

Forestry and forests policy

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-30 00:00:00

Hydro-electric power policy

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-30 00:00:00

Water policy

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-30 00:00:00

Military equipment policy

Bank policy
2021-11-30 00:00:00 | ANZ
2021-11-23 00:00:00

Climate change commitment

Bank policy
2021-11-23 00:00:00 | ANZ
2021-09-30 00:00:00

Modern Slavery Statement 2021

Bank policy
2021-09-30 00:00:00 | ANZ
2021-09-23 00:00:00

Code of Conduct

Bank policy
2021-09-23 00:00:00 | ANZ
2020-10-29 00:00:00

Carbon policy

Bank policy
2020-10-29 00:00:00 | ANZ
2016-12-16 00:00:00

Supplier Code of Practice

Bank policy
2016-12-16 00:00:00 | ANZ
2016-11-17 00:00:00

Equal Opportunity, Bullying and Harassment Policy

Bank policy
2016-11-17 00:00:00 | ANZ
2016-09-23 00:00:00

Health and Safety Policy

Bank policy
2016-09-23 00:00:00 | ANZ
ANZ has committed itself to the following voluntary standards:
Carbon Disclosure ProjectTags: carbon | climate change | greenhouse gas emissions
Dow Jones Sustainability IndicesTags: sustainable development | transparency
Equator PrinciplesTags: Equator Principles | project finance | corporate social responsibility | sustainable development
Global Reporting InitiativeTags: sustainable development | human rights
National Carbon Offset StandardTags: climate change | greenhouse gas emissions | carbon
Net-Zero Banking Alliance (NZBA)Tags: climate change | corporate social responsibility | energy | energy plants
Principles for Responsible Banking (PRB)Tags: climate change | corporate social responsibility | finance | sustainable development | United Nations | Voluntary Standards
Roundtable on Sustainable Palm Oil (RSPO)Tags: agriculture | commodities | corporate social responsibility
Task Force on Climate-related Financial Disclosures (TCFD)Tags: corporate social responsibility | finance
Taskforce on Nature-related Financial Disclosures (TNFD)Tags: corporate social responsibility | finance
UNEP Finance InitiativeTags: United Nations | sustainable development
United Nations Global CompactTags: United Nations | human rights
Dodgy Deals

ANZ is linked to a number of companies and projects that BankTrack considers controversial (so called Dodgy Deals), e.g. as a current or past financier or through an expression of interest. The profiles below provide more details on the nature of ANZ's link to these deals.

Campaigns

Banks and Climate

The 2022 Banking on Climate Chaos report showed that ANZ provided US$ 17.86 million in financing to the fossil fuel industry between 2016 and 2021. Find further details on ANZ's fossil fuel portfolio and how it compares to other large banks globally on Fossil Banks No Thanks and in the Banking on Climate Chaos report.

Reclaim Finance tracks the coal, oil and gas policies of financial institutions, including banks, in the Coal Policy Tracker and Oil and Gas Policy Tool. Find further details on their assessment of ANZ's fossil fuel policy below.


Banks and Human Rights

BankTrack assessed ANZ in its 2022 Global Human Rights Benchmark, where it achieved 8.5 points out of 14 and was ranked as a front runner. In addition, ANZ scored 1 out of 3 on how it responds to alleged human rights violations linked to its finance, which were raised by civil society organisations. More information is detailed in the "Accountability" section of this profile.

Global Human Rights Benchmark 2022

BankLast update
Country
Score
Ranking
Details
ANZ
AUS
8.5
Front runner
0
Australia
Score
Front runner
8.5
Explanation

ANZ's human rights policies, processes and reporting were assessed as part of the BankTrack Global Human Rights Benchmark 2022. The bank is assessed as a Front runner, with a total score of 8.5 out of 14.

Policy: 3/3
Due dilligence: 2.5/5
Reporting: 1.5/3
Remedy: 1.5/3


Response Tracking:
The bank was also assessed on its responses to instances of alleged human rights violations linked to its finance, raised by civil society organisations, for which it received an average score of 1/3. See the Response Tracking section of this profile for more details.

Explanation
Laggard
Follower
Front runner
Leader
0 - 3 points
3.5 - 6.5 points
7 - 10 points
10.5 - 14 points
For more details see this page.

Banks and Nature

ANZ's policies for forest-risk sectors (beef, soy, palm oil, pulp and paper, rubber and timber) have been assessed by the Forests & Finance coalition, achieving an overall score of 3.9 out of 10 and ranking it as a follower. ANZ achieved a score of 0 out of 10 specifically for its policies related to the beef sector and 3.6 out of 10 for its policies related to the palm oil sector. Between 2016 and 2022, ANZ provided USD 985 million in credit to companies operating in these forest-risk sectors. For more information, see the links below.

Forest & Finance Policy Assessment 2022: Overall scores

BankLast update
Country
Score
Ranking
Details
ANZ
2022-10-18
AUS
3.9
Follower
0
Australia
Profile
Score
Follower
3.9
20221018
Last update: 2022-10-18
Explanation

The policy assessment covers the main forest-risk commodity sectors (Beef, Palm Oil, Soy, Timber, Pulp and Paper, and Rubber). Weighted scores are based on the scope of ANZ's relevant policies, taking into account different types of financing and the sectors in which the bank is active. Details about the scores per sector policy can be found on ANZ's profile.

Explanation

A bank can obtain a total of 10 points for the quality of its policies. The total score is based on their scores per sector, weighted against their financing and investment for each sector. For further details on this see here. Based on their overall score, banks are then classified as Laggards, Followers, Front runners or Leaders, as follows:

Laggard
Follower
Front runner
Leader
0 - 1 points
1 - 4 points
4 - 7 points
7 - 10 points
For more details see this page.

Forest & Finance Policy Assessment 2022: Beef

BankLast update
Country
Score
Ranking
Details
ANZ
2022-10-17
AUS
0
Laggard
0
Australia
Profile
Score
Laggard
0
20221017
Last update: 2022-10-17
Explanation

The policy assessment covers the bank's policies related to beef. Weighted scores are based on the scope of ABN AMRO's relevant policies, taking into account what types and how much finance the bank provides to companies active in the beef industry. Details of the criteria used to assess the policies and scores for other forest-risk commodity sectors can be found on ANZ's profile.

Explanation

A bank can obtain a total of 10 points for the quality of its beef policy. The total score is based on their scores per sector, weighted against their financing and investment for each sector. For further details on this see here. Based on their overall score, banks are then classified as Laggards, Followers, Front runners or Leaders, as follows:

Laggard
Follower
Front runner
Leader
0 - 1 points
1 - 4 points
4 - 7 points
7 - 10 points
For more details see this page.

Forest & Finance Policy Assessment 2022: Palm Oil

BankLast update
Country
Score
Ranking
Details
ANZ
2022-09-21
AUS
3.6
Follower
0
Australia
Profile
Score
Follower
3.6
20220921
Last update: 2022-09-21
Explanation

The policy assessment covers the bank's policies related to palm oil. Weighted scores are based on the scope of ABN AMRO's relevant policies, taking into account what types and how much finance the bank provides to companies active in the palm oil industry. Details of the criteria used to assess the policies and scores for other forest-risk commodity sectors can be found on ANZ's profile.

Explanation

A bank can obtain a total of 10 points for the quality of its palm oil policy. The total score is based on their scores per sector, weighted against their financing and investment for each sector. For further details on this see here. Based on their overall score, banks are then classified as Laggards, Followers, Front runners or Leaders, as follows:

Laggard
Follower
Front runner
Leader
0 - 1 points
1 - 4 points
4 - 7 points
7 - 10 points
For more details see this page.

Tracking the Net Zero Banking Alliance

ANZ is a member of the Net Zero Banking Alliance (NZBA) and has therefore committed to reduce its financed emissions to net zero by 2050; within 18 months of joining the alliance set interim targets for 2030 (or sooner) for high emission priority sectors, and within 36 months set further sector targets; set new intermediary targets every 5 years from 2030 onwards; annually publish data on emissions and progress against a transition strategy including climate-related sectoral policies; and take a robust approach to the role of offsets in transition plans. BankTrack track's implementation of these commitments in the NZBA compliance tracker.


Banks and Putin's war in Ukraine

BankTrack is keeping track of the public response of ANZ to Russia's illegal invasion of Ukraine. ANZ's public position on the war is unclear. We consider its exposure to Russia as limited. For further details, see the table linked below.

News
BankTrack
Partners
Blog
External
Blog
BankTrack news BankTrack blog Partner news Partner blog

JFM cautiously welcomes ANZ exit and calls for responsible disengagement

2022-11-22 | Justice For Myanmar
Blog
BankTrack news BankTrack blog Partner news Partner blog

New human rights assessment of banks shows slow progress and lack of action to address key gaps on reporting and remedy

BankTrack’s 2022 Global Human Rights Benchmark finds reporting at a standstill, remedy still lacking and no clear leaders
2022-11-17 | BankTrack
BankTrack news BankTrack blog Partner news Partner blog

Santos announces refinancing of syndicated debt facilities

Santos announced it had executed documentation to amend and extend its two syndicated bank loan facilities totalling US$1.25 billion.
2022-08-30 | Santos
BankTrack news BankTrack blog Partner news Partner blog

Finance groups risk being kicked out of Mark Carney-led climate coalition

2022-08-22 | London, UK; and Boston, USA | Financial Times
Blog
BankTrack news BankTrack blog Partner news Partner blog

Jackdaw shows once again Shell is failing on climate. So why are its bankers failing to act?

2022-07-19 | The Hague, The Netherlands | Sumeyra Arslan – BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

Climate groups call on Shell’s bankers to stop Jackdaw gas field

UK government’s regulatory approval opens the door for Shell to move ahead with the Jackdaw field
2022-06-03 | BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

New report: Despite ‘net zero’ rhetoric, world’s biggest banks continued to pour billions into fossil fuel expansion in 2021

Annual Banking on Climate Chaos report follows the money and details massive bank support for the world’s worst climate-destroying corporations
2022-03-30 | San Francisco, Bemidji, Nijmegen, Oakland, Paris, Sassenberg, Washington DC | BankTrack, Indigenous Environmental Network, Oil Change International, Rainforest Action Network, Reclaim Finance, Sierra Club, Urgewald
Blog
BankTrack news BankTrack blog Partner news Partner blog

Repeat offenders NAB, ANZ and Westpac bankrolling “bet against the Paris Agreement”

NAB, ANZ and Westpac are among 18 global banks that have loaned to a gas processing facility that paves the way for a carbon bomb at the scale of 15 coal power stations.
2022-01-20 | Market Forces
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ forced to address heavy fossil fuel funding at 2021 AGM

Despite its commitments to the Paris Agreement and net-zero by 2050, and that achieving these goals leaves no room for new fossil fuel projects, ANZ has continued pouring billions into companies and projects that expand the fossil fuel industry.
2021-12-16 | Market Forces
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ climate complaint ruling highlights need for Australia to follow other countries and pass new climate finance laws

2021-12-15 | Friends of the Earth Australia
Blog
BankTrack news BankTrack blog Partner news Partner blog

Banks failing to address severe human rights impacts transparently, finds BankTrack research

Findings reinforce the need for regulators to ensure access to effective remedy for people affected by bank finance
2021-12-14 | Nijmegen | BankTrack
BankTrack news BankTrack blog Partner news Partner blog

ANZ will keep lending to oil and gas

2021-11-26 | Financial Review
BankTrack news BankTrack blog Partner news Partner blog

ANZ fails to rule out funding fossil fuel expansion amidst climate crisis

2021-11-26 | Market Forces
BankTrack news BankTrack blog Partner news Partner blog

New Hope Corporation doubles down on coal during farcical 2021 AGM

2021-11-19 | Market Forces
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ launches human rights grievance mechanism in a first for the global banking sector

The bank’s move follows 2020 agreement reached in OECD complaints process
2021-11-03 | BankTrack, Accountability Counsel, Equitable Cambodia, Inclusive Development International, SOMO
Blog
BankTrack news BankTrack blog Partner news Partner blog

Equator Banks involved in financing at least 200 fossil fuel projects since Paris

BankTrack research sheds new light on finance for fossil fuels by Equator banks
2021-10-26 | BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

Banks and biodiversity: are banks moving towards Kunming?

As China hosts the first part of the UN Biodiversity Conference, banks are called upon to support its goals
2021-10-14 | Nijmegen | BankTrack
BankTrack news BankTrack blog Partner news Partner blog

Shareholders push for Australia's banks to stop fossil fuel funding

2021-10-07 | Reuters
Blog
BankTrack news BankTrack blog Partner news Partner blog

Fossil Banks No Thanks demands banks commit to end fossil fuel finance before Glasgow Climate Summit

210+ groups support urgent call to action
2021-09-23 | BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

Seven major banks have ruled out finance for EACOP

2021-06-01 | BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

Banks called upon to take action to protect biodiversity ahead of UN Biodiversity Conference in Kunming

Civil society organizations urge banks to adopt stringent “No Go” policy for biodiversity rich areas
2021-05-26 | Nijmegen | BankTrack
BankTrack news BankTrack blog Partner news Partner blog

Gov’t not bothered about banks refusing to finance EACOP

2021-04-27 | Kampala, Uganda | The Independent
BankTrack news BankTrack blog Partner news Partner blog

‘Silence not an option’: ANZ refuses to sign letter condemning Myanmar violence

2021-04-05 | BHRRC
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ rules out supporting East African Crude Oil Pipeline

2021-03-31 | BankTrack
BankTrack news BankTrack blog Partner news Partner blog

ANZ labelled ‘worst in Australia’ on climate over fossil fuel loans

2021-03-24 | The Sydney Morning Herald
Blog
BankTrack news BankTrack blog Partner news Partner blog

Banking on Climate Chaos 2021: World’s 60 largest banks have poured USD 3.8 trillion into fossil fuels since Paris Agreement

Even amidst the global economic downturn, fossil fuel financing numbers were higher in 2020 than 2016
2021-03-24 | Nijmegen | BankTrack, Indigenous Environmental Network, Oil Change International, Rainforest Action Network, Reclaim Finance, Sierra Club
Blog
BankTrack news BankTrack blog Partner news Partner blog

Over 260 organisations call on banks not to finance Total’s East African Crude Oil Pipeline

With a final investment decision nearing, African and International organisations warn banks against joining $2.5 billion loan for a “manifestly irresponsible” project • New stopeacop.net campaign website launched.
2021-03-01 | International | BankTrack, 350.org Africa, AFIEGO, Inclusive Development International, IUCN NL
BankTrack news BankTrack blog Partner news Partner blog

Climate risk sees ANZ divest from Port of Newcastle, the largest thermal coal terminal in the world

2021-02-09 | ABC News
Blog
BankTrack news BankTrack blog Partner news Partner blog

Corporate accountability and the just transition: Frameworks for holding corporations accountable for climate change

2020-12-14 | Amsterdam, Netherlands | Birka Wicke, Utrecht University, Joseph Wilde Ramsing, OECD Watch, Katharine Booth, Business and Human Rights Lawyer, Marian Ingrams, OECD Watch
BankTrack news BankTrack blog Partner news Partner blog

Citi, Deutsche Bank, ANZ committed for trial in Australian criminal cartel case

2020-12-08 | Reuters
Blog
BankTrack news BankTrack blog Partner news Partner blog

Bushfire survivors and Friends of the Earth’s response to Initial Assessment of ANZ climate complaint under OECD guidelines

2020-11-25 | Friends of the Earth Australia
BankTrack news BankTrack blog Partner news Partner blog

ANZ's climate policy reveals steps away from coal to support net zero emission by 2050

2020-10-29 | ABC News
BankTrack news BankTrack blog Partner news Partner blog

Nationals call for ANZ boycott after bank's push for net zero emissions

2020-10-29 | The Guardian
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ commits to exit thermal coal, but rewards climate-destructive companies

2020-10-29 | Market Forces
Blog
BankTrack news BankTrack blog Partner news Partner blog

New BankTrack Equator Principles reporting tracking tool launched

2020-09-21 | BankTrack
Blog
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Equator Principles requirements missing for most projects, finds new BankTrack study

Research into 37 projects financed 'under Equator' finds project-level grievance mechanisms or stakeholder engagement processes cannot be evidenced in 65% of cases
2020-08-11 | BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ agrees to landmark settlement with Cambodian farmers displaced by sugar company it financed

The agreement, the first of its kind by a commercial bank, sets an important human rights precedent for the banking industry worldwide.
2020-02-27 | Inclusive Development International
BankTrack news BankTrack blog Partner news Partner blog

Bushfire survivors join claim against ANZ for financing climate crisis

2020-01-30 | The Guardian
Blog
BankTrack news BankTrack blog Partner news Partner blog

Bushfire survivors launch claim against ANZ under international law for financing climate change

2020-01-30 | Friends of the Earth Australia
Blog
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4 out of 5 banks failing on human rights, new BankTrack Human Rights Benchmark shows

Lloyds, Bank of America, Goldman Sachs and Société Générale among the poorest performers in BankTrack ranking, alongside Canadian and Chinese banks
2019-11-26 | BankTrack
Blog
BankTrack news BankTrack blog Partner news Partner blog

Too little, too late

National Australia Bank’s new climate policy an exercise in greenwash
2019-11-15 | Market Forces
BankTrack news BankTrack blog Partner news Partner blog

ANZ and Westpac boosted new lending to fossil fuel projects last year, figures show

2019-11-06 | The Guardian
Blog
BankTrack news BankTrack blog Partner news Partner blog

NAB, ANZ and Westpac hit with climate risk shareholder resolutions

2019-10-10 | Melbourne, Australia | Market Forces
BankTrack news BankTrack blog Partner news Partner blog

Big Australian banks face shareholder vote on coal lending

2019-10-10 | The Australian Financial Review
Blog
BankTrack news BankTrack blog Partner news Partner blog

BankTrack 2019 Human Rights Benchmark: criteria and scope announced

2019-06-25 | Nijmegen | BankTrack
BankTrack news BankTrack blog Partner news Partner blog

Australian Prudential Regulation Authority demands banks, insurers act on climate risk

2019-03-20 | Financial Review
BankTrack news BankTrack blog Partner news Partner blog

Our Future: Clean energy a test for banks’ rehabilitation

2019-02-04 | The Advocate
Blog
BankTrack news BankTrack blog Partner news Partner blog

Banks massively financing fossil fuels unclear about future of ... fossil fuels

Few banks acknowledge relation between fossil fuels and climate breakdown
2018-12-20 | Nijmegen
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ Declines to ‘Do the Right Thing’ for Displaced Cambodian Farmers

Statement by Inclusive Development International And Equitable Cambodia for the ANZ Banking Group Annual General Meeting
2018-12-19 | Equitable Cambodia, Inclusive Development International
Blog
BankTrack news BankTrack blog Partner news Partner blog

ANZ bank issued rare rebuke by Australian oversight body

2018-10-11 | Inclusive Development International
BankTrack news BankTrack blog Partner news Partner blog

Australian inquiry slams greedy banks and regulator for rampant misconduct

2018-09-28 | Reuters
BankTrack news BankTrack blog Partner news Partner blog

Big four banks quit coal only to invest in other fossil fuels, research finds

2018-05-31 | The Guardian
BankTrack news BankTrack blog Partner news Partner blog

Big four banks quit coal only to invest in other fossil fuels, research finds

2018-05-31 | The Guardian
Blog
BankTrack news BankTrack blog Partner news Partner blog

New research: Australian banks 2ºC scorecard 2018

2018-05-31 | Melbourne | Market Forces
Blog
BankTrack news BankTrack blog Partner news Partner blog

New report: Towards responsible and inclusive financing of the palm oil sector

2017-11-15 | Center for International Forestry Research (CIFOR), Profundo
Blog
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TCFD: banks supporting better disclosure are not the ones exiting coal project finance

Bank support for FSB Task Force recommendations is welcome, but reveals lack of joined-up thinking
2017-07-31 | Ryan Brightwell – BankTrack, Yann Louvel – BankTrack
BankTrack news BankTrack blog Partner news Partner blog

'Big four' Australian banks slammed for fossil fuel backing

2017-07-25 | Environmental Finance
Blog
BankTrack news BankTrack blog Partner news Partner blog

Banks provide billions for Dirty Diesel traders while failing to act on human rights, says new briefing

- Oil traders Trafigura and Vitol received over $100 billion in loans since 2012
- Of 26 banks contacted, not one has pressured companies over toxic fuel exports to Africa
2017-05-23 | Nijmegen | BankTrack