Investor Presentaiton
Australian consumer finance.
Australian consumer finance portfolio¹
Australian consumer finance delinquencies (%)
Credit quality
Sep-21
Mar-22
Sep-22
6.00
90+ day delinquencies
- 30+ day delinquencies
5.00
Lending ($bn)
13.4
12.8
11.7
4.00
As a % of Group loans
1.9
1.8
1.6
3.00
30+ day delinquencies (%)
3.22
3.06
2.79
2.79
2.00
90+ day delinquencies (%)
1.73
1.64
1.60
1.60
1.00
90+ day delinquencies down 4ps over the period, reflecting 17bps improvement in
portfolio, partly offset by 13bps from contraction in portfolio (mostly auto)
0.00
Mar-19 Sep-19 Mar-20 Sep-20
Mar-21 Sep-21 Mar-22
Sep-22
Australian consumer finance portfolio ($bn)
6.0 6.4 6.4
■Sep-21 Mar-22 Sep-22
In run-off
13.2 12.8
11.7
Australian consumer finance portfolio balance ($bn)
■Performing loans ($bn lhs) 90+ day delinquencies balance ($bn rhs)
2250
15
3
2
4.8
4.0
3.0
2.4 2.4 2.3
10
1
5
0
0
Credit cards
Personal loans
Auto loans 2
(consumer)
Total consumer
finance
Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22
1 Does not include margin lending. 2 Loans to customers through dealers in Specialist Businesses. These loans will be run-down over their contractual term.
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Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack
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