Australian Housing Dynamics and Affordability

AUSTRALIA RETAIL & COMMERCIAL INCOME EXCLUDING LARGE / NOTABLE ITEMS AND HOUSING PORTFOLIO INCOME COMPOSITION HOUSING PORTFOLIO1,2 $m 10,165 9,575 $b 264 272 265 9 8 7 26 49 49 37 14 3,238 3,114 22 33 44 54 49 39 4,807 4,768 1,590 1,524 6,927 6,461 FY18 164 156 134 3,217 3,244 FY19 1H19 2H19 Retail Commercial 1. Includes Non Performing Loans 2. Sep-17 Sep-18 OO P&I Inv P&I OO I/O Inv I/O Sep-19 Equity Manager The current classification of Investor vs Owner Occupier 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 ANZ 45

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