Investor Presentaiton
%
Mortgage outlook -
60 day arrears improving
0.80
0.70
0.60
0.50
0.40
0.30
0.20
Home Loan
0.10
Res Inv Loan
0.00
Jan-
01
May- Sep- Jan-
01
01
02
May- Sep-
02
02
% change
60
50
40
30
20
10
0
-10
-20
1967
1969
House prices well below
previous peaks
slight deterioration
Sydney
Melbourne
AND
2001
• ANZ has not allowed FHOG to be the
source of minimum equity
requirement
• Behavioural scores remain stable
• Scorecards tightened in 2001,
resulting in higher quality borrowers
• Unemployment, a key driver of
default, continues to trend downwards
• Scenario analysis at 95% confidence
suggests loss not exceeding 4-6 bp.
over next 12 months, compared with
ELP of 5 bp
• Based on uncommitted monthly
income at time of application, 100%
of customers could meet a 1% rise in
interest rates, and 97.2% could meet
a 2% increase without rearranging
affairs
1971
1973
1975
1977
1979
1981
1983
1985
1987
1989
1991
1993
1995
1997
1999
Investor Presentation
ANZView entire presentation