Investor Presentaiton
AUSTRALIA HOME LOANS
PORTFOLIO OVERVIEW (UNLESS OTHERWISE STATED METRICS ARE BASED ON BALANCES)
Portfolio¹
Flow²
Portfolio¹
FY19
FY20
FY21
FY20
FY21
FY19
FY20
FY21
Number of Home Loan
accounts
983k 1,008k 1,002k
170k³
179k³
Average LVR at Origination 9,10,11
67%
69%
71%
Total FUM
$265b $275b $278b
$61b
$68b
Average Dynamic LVR (excl. offset) 10,11,12
57%
56%
51%
Average Loan Size4
$270k $273k $277k
$391k
$412k
Average Dynamic LVR (incl. offset) 10,11,12
Market share (MADIS publication) 13
52%
50%
45%
14.3%
14.5% 13.9%
% Owner Occupied 5
67%
68%
68%
70%
68%
% Ahead of Repayments 14
76%
72%
70%
% Investor5
30%
30%
30%
29%
31%
Offset Balances15
$27b
$33b
$39b
% Equity Line of Credit
3%
2%
2%
1%
1%
% First Home Buyer
8%
8%
8%
% Paying Variable Rate Loan?
84%
78%
67%
70%
55%
% Low Doc16
4%
3%
2%
% Paying Fixed Rate Loan?
16%
22%
33%
30%
45%
Loss Rate17
0.04%
0.03% 0.03%
% Paying Interest Only8
15%
11%
9%
14%
14%
% Broker originated
52%
53%
53%
57%
56%
% of Australia Geography Lending 18,19
% of Group Lending 18
61%
62%
64%
43%
44%
44%
1. Home Loans portfolio (includes Non Performing Loans, excludes Offset balances) 2. YTD unless noted 3. New accounts includes increases to existing accounts and split loans (fixed and variable components of the same loan) 4.
Average loan size for Flow excludes increases to existing accounts 5. The current classification of Investor vs Owner Occupied is based on ANZ's product category, determined at origination as advised by the customer and the ongoing
precision relies primarily on the customer's obligation to advise ANZ of any change in circumstances. 6. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 7. Excludes Equity Manager Accounts 8. Based on
customers that request a specific interest only period and does not include loans being progressively drawn e.g. construction 9. Originated in the respective year 10. Unweighted based on # accounts 11. Includes capitalised LMI
premiums 12. Valuations updated to Aug 21 where available. Includes Non Performing Loans and excludes accounts with a security guarantee and unknown DLVR 13. Source: APRA Monthly Authorised Deposit-Taking Institutions
Statistics (MADIS) to Aug 21 14. % of Owner Occupied and Investor Loans that have any amount ahead of repayments based on available Redraw and Offset 15. Balances of Offset accounts connected to existing Instalment Loans 16.
Low Doc is comprised of less than or equal to 60% LVR mortgages primarily for self-employed without scheduled PAYG income. However, it also has <0.1% of less than or equal to 80% LVR mortgages, primarily booked pre-2008 ANZ
Note Low Doc lending at ANZ is no longer offered. 17. Annualised write-off net of recoveries 18. Based on Gross Loans & Advances 19. Australia Geography includes Australia R&C and Institutional Australia
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