Investor Presentaiton
RISK MANAGEMENT
TOTAL PORTFOLIO COMPOSITION
EXPOSURE AT DEFAULT (EAD) DISTRIBUTION
TOTAL GROUP EAD (Sep-21)
= = $1,080b1
1.2%
1.8% 1.3%
4.0%
1.2%
2.1%
0.8%
1.5%
7.3%
3.1%
4.0%
6.2%
25.3%
Category
% of Group EAD
% of Impaired Assets to
EAD
Impaired Assets
Balance³
Consumer Lending
Sep-20² Mar-21
41.3% 41.1%
Sep-21
Sep-202 Mar-21 Sep-21
Sep-21
40.1%
0.2%
0.1%
0.1%
$447m
Finance, Investment & Insurance
Property Services
20.2% 23.1%
25.3%
0.0%
0.0%
0.0%
$55m
6.6%
6.2%
6.2%
0.2%
0.2%
0.1%
$97m
Manufacturing
4.6%
3.9%
4.0%
0.2%
0.2%
0.1%
$45m
Agriculture, Forestry, Fishing
3.3%
3.2%
3.1%
1.7%
1.0%
0.6%
$198m
Government & Official Institutions
8.2%
8.2%
7.3%
0.0%
0.0%
0.0%
$0m
Wholesale trade
2.3%
2.1%
2.1%
0.3%
1.5%
1.3%
$293m
40.1%
Retail Trade
1.7%
1.5%
1.5%
1.8%
1.7%
0.7%
$109m
Transport & Storage
2.1%
1.9%
1.8%
0.5%
1.8%
1.9%
$361m
Business Services
1.3%
1.2%
1.2%
0.8%
0.8%
0.4%
$59m
Resources (Mining)
1.7%
1.3%
1.2%
0.1%
0.2%
0.1%
$17m
Electricity, Gas & Water Supply
1.4%
1.4%
1.3%
0.1%
0.1%
0.1%
$9m
Construction
0.9%
0.9%
0.8%
1.0% 0.9% 0.9%
$77m
Other
4.4%
4.1%
4.0%
0.4%
0.4%
0.5%
$198m
Total
100%
100%
100%
$1,965m
Total Group EAD¹
$1,010b $1,045b $1,080b
123
1. EAD excludes amounts for 'Securitisation' and 'Other Assets' Basel classes, as per APS330. Data provided is on a Post CRM basis, net of credit risk mitigation such as guarantees, credit derivatives, netting and financial collateral
The industry split has been revised for September 2020 comparatives to align to APS330 Pillar 3 disclosure
Excludes unsecured retail products which are 90+ days past due and treated as Impaired for APS330 reporting
2.
3.
ANZ
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