ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIAN HOUSING DYNAMICS
%
Contribution to total credit growth¹
Six-month-ended annualised
15
10
Total
50
-5
%
1,000
750
2006
%
%
Personal
Housing
Business
15
20
10
15
10
-5
5
2010
2014
2018
2022
Sources: APRA; RBA
Household balance sheet²
Share of disposable income
500
250
0
1992
Assets
2007
Housing
%
Liabilities
Housing Loan Characteristics²
Share of total new lending
%
2.0
1,000
750
1.5
1.0
500
250
°
2022 1992
2007
2022
Superannuation
Deposits
Other*
Sources: ABS; APRA; RBA
Sources: 1. RBA Statement on Monetary Policy, August 2022 2. RBA Speech: How Are Households Placed for Interest Rate Increases? 19 July 2022
0.5
LVR* > 90
2010
2014
%
20
DTI ≥ 6
Sources: APRA; RBA
Outstanding LVR Distribution²
Share of balances
May 2022
15
LVR 90
10
5
2018
2022
%
In negative equity
2.0
1.5
1.0
0.5
January 2020
0.0
.0
25
50
75
LVR
100
125
150
Sources: ABS; CoreLogic; RBA; Securitisation System
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