ANZ 2022 Full Year Results
Fixed rate home loan expiry profile, $b
AUSTRALIA HOME LOANS PORTFOLIO RESILIENCE
ANZ 2022 Full Year Results
Home Loans repayment profile 1,2, % of accounts ahead of repayments
40
33%
30
14
20
27
21
21
18
11
11
10
0
Sep 20
Sep 21
Overdue On Time <1 month 1-3
3-6
6-12
ahead months months months
ahead ahead ahead
Sep 22
1-2 years >2 years
ahead
1H22
2H22
1H23
2H23
1H24
2H24
>2H24
ahead
Dynamic LVR based on portfolio balances 1,3,%
60
60
40
40
20
20
Expired Scheduled expiry
Offset account balances, $b
38
39
35
36
32
27
27
28
0
0-60%
61-75% 76-80% 81-90% 91-95% 96-100%
100%+
Mar 19
Sep 19
Mar 20
Sep 20
Mar 21
Sep 21
Mar 22
Sep 22
Sep 20
Sep 21
Sep 22
1.
Includes Non Performing Loans
2.
3.
% of Owner Occupied and Investment Loans that have any amount ahead of repayments. Excess repayments based on available redraw and offset. Excludes Equity Manager Accounts
Includes capitalised LMI premiums and excludes offset balances, accounts with a security guarantee and unknown DLVR. Valuations updated to Aug 22 where available
4.
Offset balances reflect only those balances linked to HLs accounts, restated to exclude balances in offset accounts which are no longer linked to an active HL account
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