Australian Housing Dynamics and Affordability

AUSTRALIA RETAIL & COMMERCIAL FINANCIAL PERFORMANCE: CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS Income ($m) Slower credit demand, tighter home loan origination risk settings, increased competition, deposit margin impacts Productivity initiatives including workforce and branch optimisation have offset increased compliance costs and technology infrastructure spend Expenses ($m) Lower collective provision charge reflects reduced FUM. Credit provisions remain below long-run averages Profit and Returns Total Provisions ($m) Cash Profit ($m) 5,137 5,028 4,807 1,898 4,768 1,858 1,858 1,885 386 396 2,046 312 316 1,946 1,786 1,795 375 350 338 355 -25, 11. 46 1H18 2H18 1H19 2H19 1H18 2H18 1H19 2H19 1H18 2H18 1H19 -39 2H19 1H18 2H18 1H19 2H19 IP CP NLAs ($b) & NIM FTE Risk Weighted Assets ($b) Return 340 341 337 332 14,673 13,731 13,660 13,903 6.36% 6.25% 6.04% 6.02% 161 159 159 162 2.79% 2.65% 2.63% 2.62% 2.53% 2.42% 2.24% 2.26% 1H18 2H18 1H19 2H19 Mar-18 Sep-18 Mar-19 Sep-19 1H18 2H18 1H19 2H19 1H18 2H18 1H19 2H19 NLA NIM% Revenue / Avg RWA Return on Avg RWA ANZ 60

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