ANZ 2022 Full Year Results
ANZ 2022 Full Year Results
NEW ZEALAND HOME LOANS - PORTFOLIO OVERVIEW
FY20
Portfolio
FY21
Flow
Portfolio
FY22
FY21
FY22
FY20
FY21
FY22
Number of Home Loan Accounts
529k
535k
538k
82k
56k
Average LVR at Origination
58%
57%
56%
Total FUM
NZD90b
NZD99b NZD104b
NZD29b
NZD24b
Average Dynamic LVR
40%
35%
37%
Average Loan Size
Market Share²
30.5% 30.4% 30.5%
NZD169k NZD185k NZD194k NZD352k NZD434k
% Low Doc³
0.30% 0.26% 0.22%
% Owner Occupied
75%
75%
76%
74%
79%
Home Loan Loss Rates
0.00% 0.00% 0.00%
% Investor
25%
25%
24%
26%
21%
% of NZ Geography Lending
67%
70%
71%
% Paying Variable Rate Loan¹
13%
10%
11%
14%
25%
% Paying Fixed Rate Loan¹
87%
90%
89%
86%
75%
% Paying Interest Only
21%
15%
13%
18%
20%
% Paying Principal & Interest
79%
85%
87%
82%
80%
% Broker Originated
40%
43%
47%
46%
56%
1.
2.
3.
Flow excludes revolving credit facilities
Source: RBNZ, market share at NZ Geography level, FY22 data as at August 2022
Low documentation (Low Doc) lending allowed customers who met certain criteria to apply for a mortgage with reduced income confirmation requirements. New Low Doc lending ceased in 2007
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