Investor Presentaiton
AUSTRALIA RETAIL & COMMERCIAL RETAIL
HOME LOANS AND CREDIT CARDS TRENDS
-
HOME LOANS FLOWS
GROSS LOANS & ADVANCES¹ ($b)
13
12
9
9
7
7
8
4
7
8
3
1
2
80
8
2
2
2
8
8
7
8
1
28
28
224
24
26
26
26
HOME LOANS GROWTH²
% 3-MONTH ANNUALISED
11
6
7
15
10
7
5
7
13
6
0
24
24
23
21
19
16
17
13
25
25
-5
Jun-
19
Sep-
Dec-
Mar-
Jun-
Sep-
Dec-
Mar-
19
19
20
20
20
20
21
Jun- Aug-
21
21
ANZ
-
APRA System
CREDIT CARDS GROWTH²
% 3-MONTH ANNUALISED
-26
-26
-27
-26 -27
-27
-25
-27
-24
20.0
-26
-28
-30
-33
0.0
-20.0
-1
-40.0
-60.0
2H15
1H16 2H16 1H17 2H17
New Sales
1H18
Net OFI refinance
2H18 1H19 2H19
Redraw & interest
1H20 2H20 1H21
Repay / Other
-3
2H21
Jun-
19
Sep-
19
Dec-
Mar-
Jun-
Sep-
Dec-
Mar-
19
20
20
20
20
21
Jun- Aug-
21 21
- ANZ
-
APRA System
1.
Including Non Performing Loans
2.
Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS)
ANZ
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