ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
COLLECTIVE PROVISION (CP) BALANCE
CP balance by division, $b
Provision balance by stage, $b
Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22
30 September 2021
Australia Retail
0.93
0.91
1.18
1.42
1.11
1.07 0.91 0.90
2.21
Australia Commercial
0.90
0.89
1.14
1.43
1.22
1.16 0.98
0.98
Institutional
1.13
1.17
1.59
1.51
1.36
1.35 1.28
1.38
New Zealand
0.37
0.37
0.54
0.57
0.51
0.53 0.50
0.52
1.55
Pacific & Other
0.04
0.04
0.05
0.08
0.08
0.10 0.09 0.08
Total
3.38
3.38
4.50
5.01
4.29 4.20
3.76 3.85
CP balance by portfolio, $b
1.12
1.12
30 September 2022
1.77
1.69
0.93
0.93
Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22
Corporate
1.59 1.62
2.22 2.30 2.13 2.09
1.87
1.96
Specialised Lending
0.18
0.19
0.29
0.32
0.28
0.27
0.23
0.26
Residential Mortgage
0.49
0.52
0.81
1.06
0.78
0.79
0.71 0.73
Stage 1 Stage 2 Stage 3 Stage 3
(IP/CP)
Stage 1 Stage 2 Stage 3 Stage 3
(IP/CP)
Retail (ex Mortgages)
1.05 0.97 1.10
1.25
1.04
0.96
0.87 0.81
% of Total 32% 45% 23%
% of Total
41% 38% 21%
Sovereign/Banks
0.07
0.08 0.08
0.08
0.06
0.09
0.08 0.09
Total
3.38
3.38
4.50 5.01
4.29
4.20
3.76 3.85
Australia Retail
Australia Commercial
Institutional
New Zealand
Pacific/Other
CP
IP
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