ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIAN ECONOMY - INCOME AND SAVINGS
Canada
Australia
Change in household income¹
Since December quarter 2019
Wages growth²
Year-ended
$b
$b
%
- Total
Unincorporated businesses
Labour
Financial income
Social assistance
Other*
%
4
4
40
40
2
United States
20
20
%
2
New Zealand
%
United Kingdom
4
0
0
2
-20
-20
0
M
J
S
M
J
S
M
2020
2021
2022
Sources: ABS; RBA
Household income and consumption³
2010
"W
2016
Sources: BoE; RBA; Refinitiv; Statistics Canada
Household saving ratio4
Share of household disposable income
V
4
wa
Euro area
2
2022
0
2010
2016
2022
%
Real, year-ended growth
%
%
Consumption
8
8
20
0
Ο
Disposable income
15
-8
-8
%
16
8
00
о
-8
1992
1998
%
10
Saving ratio
16
5
8
2004
2010
2016
Household sector includes unincorporated enterprises; disposable
income is after tax and interest payments; saving ratio is net of
depreciation.
Sources: ABS; RBA
-8
2022
0
%
Scheduled mortgage principal payments
Additional mortgage payments*
20
Other saving**
2012
*
2014
2016
2018
****
Sum of net flows into redraw and offset accounts
Net of depreciation
Sources: ABS; APRA; RBA
15
10
5
-5
2020
2022
Sources: 1. RBA Statement on Monetary Policy, August 2022 2. RBA Statement on Monetary Policy, August 2022 3. RBA Chart Pack, November 2022 4. RBA Speech: How Are Households Placed for Interest Rate Increases? 19 July 2022
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