Investor Presentaiton
ANZ 2023 Half Year Results
LONG RUN PROVISIONS & LOSS RATES
1.
2.
Total credit impairment charge, $m
2,000
1,500
1,000
500
0
-500
-1,000
1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1H15 2H15 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23
Commercial IP
CP Charge/(Release)
Consumer IP
Institutional IP
ANZ historical loss rates¹, bps
Long run loss rate (Internal Expected Loss²), %
250
200
Division
Mar 19
Mar 20
Mar 21
Mar 22
Mar 23
150
Aus. Retail
0.19
0.19
0.14
0.12
0.11
100
Aus. Commercial
0.75
0.69
0.76
0.62
0.53
50
New Zealand
0.19
0.19
0.15
0.12
0.10
0
Institutional
0.27
0.25
0.25
0.21
0.19
-50
Sep Sep
90 93
Sep Sep Sep Sep
96
99
02
05
Sep Sep Sep
08 11
14
Sep
17
Sep Mar
Pacific
1.60
1.30
1.74
2.65
2.35
20
23
Total
0.27
0.26
0.23
0.20
0.17
IP Loss Rate
-
Median Annual IP Loss Rate (excl. current period)
IP Charge as a % of average Gross Loans and Advances (GLA)
Internal Expected Loss (IEL) is an internal estimate of the average annualised loss likely to be incurred through a credit cycle
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