Investor Presentaiton
ANZ 2023 Half Year Results
TOTAL PORTFOLIO COMPOSITION
Exposure at Default (EAD) distribution
Category
% of Group EAD¹
% of Impaired Assets
Gross Impaired
to EAD¹
Assets²
1.5%
5.5%
Consumer Lending
Mar 22 Sep 22 Mar 23
39.3% 37.8%
Mar 22 Sep 22 Mar 23
Mar 23
38.3%
0.1%
0.1%
0.1%
$449m
1.4% 1.0%
2.2%
1.3% 0.9%
0.6%
6.1%
Finance, Investment & Insurance
Property Services
27.5%
28.9%
28.2%
0.0%
0.0%
0.0%
$18m
6.3%
6.3%
6.1%
0.2%
0.1%
0.1%
$84m
Manufacturing
3.9%
4.3%
4.1%
0.1%
0.1% 0.1%
$35m
Agriculture, Forestry, Fishing
3.0%
2.9%
2.7%
0.5%
0.4%
0.3%
$86m
38.3%
Government & Official Institutions
5.6%
5.6%
6.1%
0.0%
0.0%
0.0%
$0m
2.7%
TOTAL GROUP EAD
Wholesale Trade
2.5%
2.5%
2.2%
0.9%
0.9%
0.2%
$42m
4.1%
(Mar 23)
$1,193b¹
Retail Trade
1.5%
1.5%
1.3%
0.4%
0.3% 0.3%
$48m
Transport & Storage
1.8%
1.7%
1.4%
1.5%
0.4% 0.3%
$52m
Business Services
1.1%
1.2%
0.9%
0.4%
0.3%
0.2%
$25m
6.1%
Resources (Mining)
1.2%
1.3%
1.0%
0.1% 0.1%
0.1%
$9m
Electricity, Gas & Water Supply
1.4%
1.5%
1.5%
0.1%
0.0%
0.0%
$2m
Construction
0.8%
0.8%
0.6%
Other
4.0%
3.8%
5.5%
0.7% 0.7% 0.8%
0.4% 0.5% 0.5%
$57m
$303m
28.2%
Total
Total Group EAD¹
100% 100% 100%
$1,103b $1,152b $1,193b
Gross Impaired Assets
$1,210m
1.
2.
EAD excludes amounts for the 'Securitisation' Basel class, 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
Excludes unsecured retail products which are 90+ DPD and treated as Impaired for APS330 reporting
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