Investor Presentaiton
0<=60
New Zealand consumer portfolio.
Mortgage 90+ day delinquencies¹ (%)
0.6
0.5
0.4
0.3
0.2
0.1
0.0
90+ day past due (ex-hardship)
90+ day past due
Introduction of changes to
the reporting of hardship
2.0
0.33
1.0
0.16
Sep-13
Mar-14
Sep-14
Mar-15
Sep-15
Mar-16
Sep-16
Mar-17
Sep-17
Mar-18
Sep-18
Mortgage portfolio LVR2 (%) of portfolio
93% of mortgage portfolio less than 80% LVR
47%
60<=70
23%
23%
70<=80
Mar-19
Sep-19
Mar-20
Sep-20
Mar-21
0.0
Unsecured consumer 90+ day delinquencies¹ (%)
3.0
90+ day past due (ex-hardship)
90+ day past due
the reporting of hardship
Introduction of changes to
1.91
Sep-13
Mar-14
Sep-14
Mar-15
Sep-15
Mar-16
Sep-16
Mar-17
Sep-17
Mar-18
Sep-18
Mar-19
Sep-19
Mortgage loss rates each half (%)
0.25
0.20
0.15
0.10
0.05
5%
0.00
2%
80<=90
90+
93
Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack
1 In May 2019 we made changes to the reporting of customers in hardship to align to the method used by APRA. 2 LVR based on current loan property value at latest credit event.
1H12
2H12
1H13
2H13
1H14
2H14
1H15
2H15
1H16
2H16
1H17
2H17
1H18
2H18
1H19
2H19
1H20
2H20
1H21
Westpac GROUP
0.00
Mar-20
Sep-20
Mar-21
1.14
New ZealandView entire presentation