Australian Housing Dynamics and Affordability
RISK MANAGEMENT
GROUP AGRICULTURE PORTFOLIO
AGRICULTURE EXPOSURE BY SECTOR (% EAD)
GROUP AGRICULTURE EAD SPLITS¹
Total EAD (Sep-19)
A$35.2b
6.6%-
As a % of Group EAD
3.6%
3.3%
6.1% -3.0%
43.5%
15.9%
14.9%
44.9%
10.4%
98.9%
98.9%
74.2%
76.0%
56.2%
54.9%
12.8%
35.0%
0.3%
0.2%
Sep-18 Sep-19
1.1%
Sep-18
1.1%
Sep-19
Sep-18
Sep-19
Australia
New Zealand
Productive
Impaired
-
<60% Secured
60 <80% Secured
17.7%
Intl. Markets
80 <100% Secured
Fully Secured
1.
2.
14.4%
9.6%
NZD $b
NEW ZEALAND² DAIRY CREDIT QUALITY
FY19 PD increase driven by customer downgrades, reflecting
continued headwinds facing the dairy sector
12.3
11.9
12.5
13.3
Dairy
Sheep & Other
Livestock
Horticulture/Fruit/
Other Crops
13.3
2.21%
12.9
1.95%
12.8
12.8
1.22%
0.90%
0.80%
1.14%
1.51%
1.56%
12.3
1.91%
Beef
Grain/Wheat
Forestry & Fishing/
Agriculture Services
Sep-12
Sep-13 Sep-14 Sep-15
Sep-16 Sep-17
Sep-18
Mar-19 Sep-19
Wt. Avg. Probability of Default
NZ Dairy EAD
Security indicator is based on ANZ extended security valuations
Dairy exposures for all of ANZ New Zealand (includes Commercial and Agriculture, Institutional and Business Banking portfolios)
ANZ
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