Financial Performance and Remediation Update
BUSINESS & PRIVATE BANKING ASSET QUALITY
57
B&PB CREDIT IMPAIRMENT CHARGE AND AS % OF GLAS¹
B&PB 90+ DPD AND GIAS AND AS % OF GLAS¹
($m)
0.20%
($m)
1.53%
0.13%
1.32%
1.25%
196
1.07%
0.07%
3,025
126
2,584
2,596
21
70
40
170
7
0.04%
39
2,111
1,611
1,246
84
6 40
1,351
2
5
84
(21)
1,036
(7)
1,338
1,414
1,075
1,245
Mar 20
Sep 20
Mar 21
Sep 21
Mar 20
Sep 20
Mar 21
Sep 21
Business lending
Other banking products
Housing lending
Credit impairment charge as % of GLAS annualised
Housing 90+ DPD and GIAS
90+ DPD and GIAs to GLAS
Non-housing 90+ DPD and GIAS
B&PB BUSINESS LENDING SECURITY PROFILE²
B&PB BUSINESS LENDING PORTFOLIO QUALITY
5%
5%
5%
5%
21%
20%
20%
20%
25%
24%
26%
25%
74%
75%
75%
75%
75%
76%
74%
75%
Mar 20
Sep 20
Mar 21
Sep 21
■Fully Secured
■Partially Secured
■ Unsecured
Mar 20
Sep 20
■Sub-Investment grade equivalent
Mar 21
■Investment grade equivalent
Sep 21
(1) B&PB credit impairment charges and 90+ DPD and GIAS reflect the total B&PB portfolio including mortgages
(2) Fully Secured is where the loan amount is less than 100% of the bank extended value of security; Partially Secured is where the loan amount is greater than 100% of the bank extended value of
security; Unsecured is where no security is held and/or no value held against the security and negative pledge arrangements are normally in place. Bank extended value is calculated as a discount to
market value based on the nature of the underlying security
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Australia
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