Investor Presentaiton
Sectors in focus: accommodation, cafes and restaurants;
construction.
Accommodation, cafes and restaurants
Credit quality
22
5
■Fully Secured
Sep-21 Mar-22 Sep-22
Portfolio security composition³ (TCE) (%)
Portfolio by sub-sector (TCE) (%)
Total committed exposure
(TCE) ($bn)
9.6
9.9
10.2
5
■Accommodation
Lending ($bn)
8.2
8.1
8.4
22
As a % of Group TCE
0.85
0.85
0.86
23
■Partially Secured
Unsecured
34
% of portfolio graded as
stressed 1,2
12.38
7.64
6.76
38
88
■Pubs, Taverns and
Bars
■Cafes and
Restaurants
■Clubs (Hospitality)
% of portfolio impaired²
0.94
0.68
0.56
Construction
0
73
Sep-21
Mar-22
Sep-22
Portfolio security composition³ (TCE) (%)
Portfolio by sub-sector (TCE) (%)
■Building
Construction
TCE ($bn)
Lending ($bn)
11.2
11.2
11.5
23
6.7
6.8
7.1
As a % of Group TCE
1.00
0.96
0.97
% of portfolio graded as
stressed 1,2
18
5.51
5.46
5.37
% of portfolio impaired²
0.86
0.80
0.78
0
■Fully Secured
■Partially Secured
59
6
■ Unsecured
27
17
LO
00
8
22
22
15
■Non-Building
Construction
■Site Preparation
Services
■Building Structure
Services
■Installation Trade
Services
■Building Completion
Services
Other Construction
Services
1 Includes impaired exposures. 2 Percentage of portfolio TCE. 3 Fully secured: Secured loan to collateral value ratio ≤ 100%, Partially secured: Secured loan to collateral value ratio > 100%, but < 150%, Unsecured: Secured loan to collateral value ratio
> 150%, or no security held.
76
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