FY21 Results
Total provisions & coverage ratios
Board confidence in collective provision
TOTAL PROVISIONS AND GRCL ($M)
TOTAL PROVISION COVERAGE RATIO
9.9
9.5
8.9
1.0
1.8
1.0
0.53%
7.3
0.52%
7.0
2.4
2.4
2.4
2.4
2.4
0.65%
0.64%
0.55%
0.30%
0.29%
0.25%
3.6
0.23%
0.23%
2.00
2.8
4.1
3.7
2.6
2.5
2.1
1.6
1.8
JUN 19
DEC 19
JUN 20
DEC 20
JUN 21
Collective Provisions
Specific Provisions
GRCL
COVID-19 Overlay
JUN 19
DEC 19
JUN 20
DEC 20
JUN 21
Provisions & GRCL as % of Credit RWA
Provisions & GRCL as % of Total Loans
> Total provisions and GRCL of $8.9m provides confidence provisions are adequate based on economic outlook scenarios
> $1.0m COVID-19 overlay retained in provisions for volatility and economic uncertainty
> Non COVID-19 arrears remain at historically low levels
INVESTOR PRESENTATION | FY21 Results - 27 August 2021
18View entire presentation