Investor Presentaiton
RISK MANAGEMENT
COLLECTIVE PROVISION (CP) BALANCE
CP BALANCE BY DIVISION
CP BALANCE BY PORTFOLIO
$b
Mar-19 Sep-19 Mar-20
Sep-20
Mar-21
Sep-21
$b
Mar-19 Sep-19 Mar-20 Sep-20
Mar-21 Sep-21
Corporate
1.59
1.62
2.22
2.30
2.13
2.09
Australia R&C
1.83
1.80
2.32
2.85
2.33
2.23
Specialised
0.18
0.19
0.29
0.32
0.28
0.27
Institutional
1.13
1.17
1.59
1.51
1.36
1.35
Residential Mortgage
0.49
0.52
0.81
1.06
0.78
0.79
New Zealand
0.37
0.37
0.54
0.57
0.51
0.53
Retail (ex Mortgages)
1.05
0.97
1.10
1.25
1.04
0.96
Pacific
0.04
0.04
0.05
0.08
0.08
0.10
Sovereign / Banks
0.07
0.08
0.08
0.08
0.06
0.09
PROVISION BALANCE BY STAGE
$b
30 Sep 20
31 Mar 21
30 Sep 21
2.70
3.0
2.5
2.0
1.82
1.5
1.0
0.5
0.0
sha
Stage 1 Stage 2 Stage 3 Stage 3
3.0
3.0
2.5
2.29
2.5
2.21
2.0
2.0
1.56
1.55
1.38
1.38
1.5
1.24
1.24
1.5
1.12
1.12
1.0
1.0
0.5
0.5
0.0
0.0
(IP/CP)
Stage 1 Stage 2 Stage 3 Stage 3
(IP/CP)
Stage 1 Stage 2 Stage 3 Stage 3
(IP/CP)
% of Total
31%
46%
23%
% of Total
31%
45% 24%
% of Total
32% 45% 23%
Pacific / Other
New Zealand
Institutional
Australia R&C
IP
CP
ANZ
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