ANZ 2023 Half Year Results
ANZ 2023 Half Year Results
COLLECTIVE PROVISION (CP) BALANCE
CP balance by division, $b
Provision balance by stage, $b
Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22 Mar 23
31 March 2022
31 March 2023
Aus. Retail
0.93
0.91
1.18
1.42
Aus. Commercial
0.90
0.89
1.14
1.43
1.22
Institutional
1.13
1.17
1.59
1.51 1.36
1.11 1.07
1.16
1.35
0.91 0.90 0.95
0.98 0.98
1.03
2.0
1.28 1.38 1.45
2.0
1.88
1.77
1.70
1.62
New Zealand
0.37
0.37 0.54 0.57 0.51
Pacific & Other
0.04
Total
3.38
0.04 0.05 0.08 0.08
3.38 4.50 5.01 4.29
0.53 0.50 0.52 0.54
0.10 0.09 0.08
4.20 3.76 3.85 4.04
1.5
1.5
0.07
1.08
1.08
1.0
1.0
CP balance by portfolio, $b
0.81
0.81
Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22 Mar 23
0.5
0.5
Corporate
Specialised Lending
Residential Mortgage
Retail (ex Mortgages)
Sovereign / Banks
1.59 1.62 2.22 2.30 2.13 2.09 1.87
1.96 2.03
0.18 0.19 0.29
0.32 0.28
0.27
0.23
0.26 0.28
0.49
0.52 0.81
1.06
0.78
0.79 0.71
1.05 0.97 1.10
1.25
1.04
0.96
0.87
0.07 0.08 0.08 0.08 0.06
0.09
0.08
0.73 0.82
0.81 0.84
0.09 0.07
0.0
0.0
Stage 1 Stage 2 Stage 3 Stage 3
(IP/CP)
Stage 1 Stage 2 Stage 3 Stage 3
(IP/CP)
CP
Total
3.38
3.38 4.50
5.01
4.29
4.20 3.76
3.85 4.04
IP
Australia Retail
Australia Commercial
Institutional
Pacific/ Other
New Zealand
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