ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIA HOME LOANS - PORTFOLIO PERFORMANCE
Home Loans 90+ DPD (by State) 1,2
% of Portfolio Segment Balances
2.5
2.0
1.5
1.0
0.5
0.0
VIC & TAS
NSW & ACT
QLD
Mar 18
Sep 18
Mar 19
Sep 19
Mar 20
Sep 20
Mar 21
Sep 21
Mar 22
Sep 22
Home Loans delinquencies 1,2,3,4
% of Portfolio Segment Balances
2.5
2.0
1.5
1.0
0.5
0.0
Mar
18
Sep
Mar
Sep
Mar
Sep
Mar
Sep
Mar
Sep
18
19
19
20
20
21
21
22
22
30+ DPD %
90+ Owner Occupied
90+ Investor
Home Loans 90+ DPD (by vintage)5, %
2.5
2.0
1.5
1.0
0.5
0.0
WA
SA & NT
Portfolio
6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36
FY15
FY16
-
FY17
FY18
FY19
FY20
FY21
FY22
1. Includes Non Performing Loans 2. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans 3. The current classification of Investor vs Owner Occupied, is based on ANZ's product category, determined at
origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise ANZ of any change in circumstances 4. 30+ and 90+ between Mar 20 and Jun 20 excludes eligible Home Loans accounts that had
requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account 5. Home Loans 90+ DPD vintages represent % ratio of ever 90+ delinquent (measured by # accounts), contains at least 6
application months of that fiscal year contributing to each data point
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