Investor Presentaiton
1.24
2.17
1.60
Credit quality metrics improved.
Stressed exposures as a % of TCE
Watchlist and
substandard
90+ day past due
and not impaired¹
Impaired
Deterioration mostly due to downgrade of one large
customer in Australian business to watchlist
Reduction from 13bp decrease in mortgage 90+ day
delinquencies
1bp improvement from write-offs and customer upgrades,
primarily in Australian business and institutional portfolios
1.91
Sep-21
0.85
1.36
1.24
1.20
1.20
2,254
0.85
1.08
1.10
1.05
1.07
0.99
0.49
1,955
0.55
0.71
0.65
0.40
0.43
0.54
0.35
0.31
0.26
0.33
0.48
0.58
0.25
0.34 0.39
0.44
0.27
0.20 0.22
0.26
0.15
0.14 0.17
0.56
0.55
0.80
0.68
0.56 0.51
0.19 0.14 0.13
Sep-15
Sep-16
Sep-17
72
Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack
Sep-18
Sep-19
Sep-20
Sep-21
Mar-22
Sep-22
Movement in stress categories (bps)
136
(5)
(12)
(1)
(8)
110
(1)
(1) 4
107
Impaired
90+ dpd not
impaired¹
Substandard
Watchlist
Mar-22
Impaired
New and increased gross impaired assets ($m)²
1 Facilities 90 days or more past due date not impaired. These facilities, while in default, are not treated as impaired for accounting purposes. 2 Includes exposures that are managed on a facility by facility basis.
чou pap +06
impaired¹
Substandard
1,555
1,317
1,240
1,029
1,069
921
836
430
Westpac GROUP
1H 2H
1,761
Watchlist
Sep-22
Credit qualityView entire presentation