ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIA HOME LOANS - PORTFOLIO OVERVIEW
Unless otherwise stated metrics are based on balances
Portfolio¹
Flow²
Portfolio¹
FY20
FY21
FY22
FY21
FY22
FY20
FY21
FY22
Number of Home Loan accounts
1,008k
1,002k
968k 179k³ 172k³
Average LVR at Origination 9,10
69%
71%
68%
Total FUM
$275b $278b
$283b $68b
$75b
Average Dynamic LVR (excl. offset) 10,11
56%
51%
48%
Average Loan Size4
$273k $277k $292k
$412k
$474k
Average Dynamic LVR (incl. offset) 10,11
50%
45%
43%
Market share12
14.5%
13.7%
13.0%
% Owner Occupied5
68%
68%
68%
68%
65%
% Ahead of Repayments 13
72%
70%
69%
% Investor5
30%
30%
31%
31%
35%
Offset Balances 14
$32b
$36b
$39b
% Equity Line of Credit
2%
2%
1%
1%
0%
% First Home Buyer
8%
8%
8%
% Paying Variable Rate Loan?
78%
67%
72%
55%
77%
% Low Doc 15
3%
2%
2%
% Paying Fixed Rate Loan?
22%
33%
28%
45%
23%
Loss Rate 16
0.03%
0.03%
0.01%
% Paying Interest Only
11%
9%
9%
14%
16%
% Broker Originated
53%
53%
52%
56%
58%
% of Australia Geography Lending 17,18
% of Group Lending 17
62%
64%
61%
44%
44%
42%
1. Home Loans portfolio (includes Non Performing Loans, excludes Offset balances) 2. YTD unless noted 3. New accounts includes increases to existing accounts and split loans (fixed and variable components of the same loan) 4. Average loan size for
Flow excludes increases to existing accounts 5. 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 6. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 7. Excludes Equity Manager Accounts 8. Based on customers that request a specific interest only period
and does not include loans being progressively drawn e.g. construction 9. Originated in the respective year 10. Unweighted based on # accounts and includes capitalised LMI premiums 11. Valuations updated to Aug 22 where available. Includes
Non Performing Loans and excludes accounts with a security guarantee and unknown DLVR 12. Source: APRA Monthly Authorised Deposit-Taking Institutions Statistics (MADIS) to Aug 22 13. % of Owner Occupied and Investor Loans that have any
amount ahead of repayments based on available redraw and offset 14. Offset balances reflect only those balances linked to Home Loan accounts, restated to exclude balances in offset accounts which are no longer linked to an active Home Loan
account 15. Low Doc is comprised of less than or equal to 60% LVR mortgages primarily for self-employed without scheduled PAYG income. However, it also has <0.1% of less than or equal to 80% LVR mortgages, primarily booked pre-2008. Note Low
Doc lending at ANZ is no longer offered 16. Annualised write-off net of recoveries 17. Based on Gross Loans & Advances 18. Australia Geography includes Australia Retail, Australia Commercial and Institutional Australia
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