ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIA HOME LOANS - PORTFOLIO RESILIENCE
Fixed rate Home Loan expiry profile, $b
27
21
21
18
لليل
14
11
11
ANZ flow borrowing capacity1, FY22
7% 3%
90%
Surplus Capacity
Minimal Capacity
At Capacity
30+ DPD at Sep 22 by fixed rate expiry month
1H22
2H22
1H23
2H23
1H24
2H24
>2H24
1.2
The chart reflects the 30+ DPD as at Sep 22 for all fixed rate loans that expired in the specified
month e.g. the 30+ DPD as at Sep 22 for all fixed rate loans that expired in Oct 21 is 0.4%
1.0
0.8
For new ANZ fixed rate loans, serviceability is assessed as:
if the standard variable rate (less customer discount) plus the 3% serviceability buffer is
higher than the customer fixed rate, then the higher of the standard variable rate (less
customer discount) plus the 3% serviceability buffer and the floor rate which is currently
5.1%
else the higher of the customer fixed rate plus the 3% serviceability buffer and the floor rate
which is currently 5.1%
0.6%
0.6%
0.6
0.5%
0.5%
0.4%
0.4%
0.3%
0.4
0.4%
0.2%
0.2%
0.2%
0.2
0.0
Oct 21
--
Nov 21 Dec 21 Jan 22
Portfolio 30+ DPD at Sep 22
Feb 22
Mar 22 Apr 22 May 22 Jun 22
30+ DPD by fixed rate expiry month
Jul 22
Aug 22
1. Borrowing Capacity is determined after income and expense buffers and shading are applied, and based on verified income only. Majority of lending 'at capacity' is bridging finance
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