ANZ 2023 Half Year Results
ANZ 2023 Half Year Results
AUSTRALIA HOME LOANS - PORTFOLIO COMPOSITION
Home Loan flows (Gross Loans & Advances¹), $b
Loan balance & lending flows¹, $b
10
11
18
5
6
50
12
10
7
0
7
7
7
83
278
9
13
6
293
-65
80
8
71
1
23
25
26
27
23
19
Mar 22
16
17
13
New Sales Net OFI Refi.
excl. Refi-In
Redraw &
Interest
Repay / Other
Mar 23
Home Loan FUM composition 1,2, $b
-25
-24
-26
-28
281
278
-30
-33
-31
-33
-33
269
264
8
22
22
31
22
6
10
17
52
62
62
:-1:
-4
-1
-3
57
52
33
293
65
24
-2.
186
186
197
-3
161
168
1H19
2H19
1H20
2H20
1H21
2H21
1H22
2H22
1H23
Mar 19
Mar 20
Mar 21
Mar 22
Mar 23
New Sales excl. Refi-In
Net OFI Refi.
Redraw & Interest
Repay/Other
OO P&I
Inv P&I
OO I/O
Inv I/O
Equity Manager
1.
Based on Gross Loans and Advances. Includes Non-Performing Loans
2.
The current classification of Investor vs Owner Occupied is based on ANZ's product category, determined at origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise ANZ of any
change in circumstances. Interest Only (I/O) is based on customers that request a specific interest only period and does not include loans being progressively drawn e.g. construction. ANZ Equity Manager product no longer offered for sale as of 31
July 2021
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