ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIA HOME LOANS - PORTFOLIO RESILIENCE
Home Loans repayment profile 1,2
% of accounts ahead of repayments
40
40
33%
Home Loans on time and <1 month ahead profile 2,3
% composition of accounts
322
30
35%
36%
20
28%
22%
10
16%
19%
21%
24%
0
Overdue
On Time
<1 month 1-3 months 3-6 months
ahead ahead ahead
6-12
months
ahead
1-2 years
ahead
>2 years
ahead
Sep 21
Sep 22
Sep 20
Sep 21
Sep 22
Dynamic LVR based on portfolio balances 14,%
60
560
50
40
40
>90%
Net of offset balances5
⚫3.0% of portfolio
• 42% ahead of repayments²
• 35% with LMI
NEGATIVE EQUITY
30
20
10
20
50
Offset account balances5
Investment: Interest payments may
receive negative gearing/tax benefits
New Accounts: ≤ 12 months old
Structural: Loans that restrict payments
in advance eg. fixed rate loans
Residual: Less than 1 month repayment
buffer
39
40
40
35
36
13%
38
14%
14%
15%
32 12%
12%
30
27 10%
27 10%
28 11%
10%
Net of offset balances5
⚫0.7% of portfolio
20
20
• 45% ahead of repayments²
10
•23% with LMI
0
0-60%
Sep 20
61-75%
Sep 21
76-80%
Sep 22
81-90%
91-95%
96-100%
100%+
Includes Non Performing Loans
0
Mar 19
Sep 19
LHS: Offset balances ($b)
Mar 20
Sep 20
Mar 21
Sep 21
Mar 22
Sep 22
RHS: Offset balances as a % of home loan FUM
1.
2.
3.
% of Owner Occupied and Investment Loans that have any amount ahead of repayments. Excess repayments based on available redraw and offset. Excludes Equity Manager Accounts
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. Note: hierarchy changed from previous disclosures
4. Includes capitalised LMI premiums and excludes offset balances, accounts with a security guarantee and unknown DLVR. Valuations updated to Aug 22 where available
155
5.
Offset balances reflect only those balances linked to Home Loan accounts, restated to exclude balances in offset accounts which are no longer linked to an active Home Loan account
5%
0%
90
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