ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
INDIVIDUAL PROVISION (IP) CHARGE
IP charge, $m
380
398
626
395
IP charge by division, $m
626
272
380
398
395
807
187
592
500
69
532
7
0-3
6
35
40
49
35
40
87
32
62
375
-8
155
170
266
162
187
247
123
168
3
158
175
55
93
93
80
103
54
51
87
59
69
195
185
5
156
155
3
15
43
-8
14
-245
-214
-227
14
-274
-280
-268
75
-300
47
45
5
-352
-12
-5
-10
-23
-8
-4
1H19
2H19
1H20
2H20
1H21
2H21
1H22
2H22
New
Increased
Writebacks & Recoveries
1H19
2H19
1H20
2H20
1H21
2H21
1H22
2H22
Australia Retail
Australia Commercial
New Zealand
Institutional
Pacific
Other
Ratios
IP loss rate (bps)¹
Total loss rate (bps)¹
IP balance/Gross Impaired Assets
1. Annualised loss rate as a % of Gross Loans and Advances (GLA)
1H19
2H19
1H20
2H20
1H21
2H21
1H22
2H22
12
13
20
12
6
2
3
0
13
13
53
33
-16
-2
-9
2
42%
40%
42%
36%
33%
35%
37%
38%
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