Investor Presentaiton
Sectors in focus.
Accommodation, cafes & restaurants and Construction.
Accommodation, cafes and restaurants
Credit quality
25
8
■Fully Secured
Mar-20
Sep-20 Mar-21
Portfolio security composition³ (TCE) (%)
Total committed exposures
$9.7bn
$9.8bn
$9.7bn
(TCE)
Lending
$8.7bn
$8.5bn
$8.3bn
25
As a % of Group TCE
0.90
0.92
0.91
% of portfolio graded as
stressed 1,2
Unsecured
4.57
16.00
14.55
% of portfolio impaired²
0.38
0.73
0.67
0
67
■Partially Secured
24
Portfolio by sub-sector (TCE) (%)
60
0
32
38
■Accommodation
Pubs, Taverns and
Bars
■Cafes and
Restaurants
■Clubs (Hospitality)
Construction
Portfolio security composition³ (TCE) (%)
Portfolio by sub-sector (TCE) (%)
Mar-20
Sep-20 Mar-21
Total committed
$11.7bn
$11.5bn
$11.1bn
20
exposures (TCE)
Lending
$8.5bn
$7.9bn
$7.6bn
As a % of Group TCE
1.08
1.09
1.04
19
% of portfolio graded as
stressed 1,2
4.04
5.85
6.06
% of portfolio impaired²
0.92
1.65
1.11
0
■Fully Secured
26
24
■Partially Secured
61
■ Unsecured
16
60
12
■Building Construction
■Non-Building
Construction
■Site Preparation
Services
Building Structure
Services
■Installation Trade
Services
■Building Completion
Services
■Other Construction
Services
1 Includes impaired exposures. 2 Percentage of portfolio TCE. 3 Fully secured: Secured loan to collateral value ratio ≤ 100%, Partially secured: Secured loan to collateral value ratio > 100%, but < 150%, Unsecured: Secured loan to collateral value ratio
> 150%, or no security held.
66
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