Investor Presentaiton
Australian mortgage delinquencies.
Australian mortgage delinquencies (%)
Australian mortgage portfolio
Sep-21
Mar-22 Sep-22
Total portfolio 30+ day delinquencies (bps)
220
147
121
4.0
Total portfolio 90+ day delinquencies, including
impaired mortgages (bps)
107
88
75
3.0
Investment property loans 90+ day delinquencies (bps)
109
89
75
15
Interest only loans 90+ day delinquencies (bps)
82
66
49
2.0
Customers in hardship¹ including 6mth serviceability
196
75
53
period (by balances, bps)
1.0
Consumer properties in possession (number)
224
201
224
0.0
Impaired mortgages (by balances, bps)
6
5
5
Australian mortgage hardship1 balances
(% of portfolio)
GN
1.0
0.5
0.0
2.5
2.0
1.5
90+ day delinquencies
Mortgage credit quality
30+ day delinquencies
COVID-19
deferrals
1.21
0.75
Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22
Australian mortgage 90+ day delinquencies by State (%)
NSW/ACT
WA
■Non-COVID-19 support ■COVID-19 support
3.0
2.0
0.53
1.0
VIC/TAS
SA/NT
QLD
ALL
0.0
Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22
1 Financial hardship assistance is available to customers experiencing temporary financial difficulty, including changes in income due to illness, a relationship breakdown or natural disasters. Hardship assistance often takes the form of a reduction or
deferral of repayments for a short period. Customer requesting financial hardship assistance, excluding those seeking COVID-19 related support, must provide a statement of financial position and an assessment is made regarding the customer's eligibility.
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