ANZ 2022 Full Year Results
ANZ 2022 Full Year Results
LOW PROVISION CHARGE, CP BALANCE REMAINS ABOVE 2019 LEVELS
Provision charge, $m
Individual provision charge
Collective Provision (CP) balance, $m
398
626
395
3,376
104
-106
187
2,340
807
592
500
69
69
80
-930
87
-8
375
266
3,272
247
168
158
175
93
80
103
54
51
-214
-227
-274
-280
-268
-300
-352
885
+65%
628
3,853
727
3,126
2H19
1H20
2H20
1H21
2H21
1H22
2H22
Sep 19
FX &
other
Portfolio
CP post
movements portfolio
mvmt.
ECL
scenarios
& weights²
Overlays
Sep 22
New IP
Increased IP
Writebacks & Recoveries IP
Modelled ECL
2H19
1H20
2H20
1H21
2H21
Additional overlays
1H22
2H22
CP charge
Total charge
4
1,048
669
-678
-145
-371
402
1,674
1,064
-491
-76
-284
60
52
Further details on the Collective Provision balance and Expected Credit Loss scenarios are contained in the Risk Management section of the Investor Discussion Pack
1.
Includes volume mix and change in risk
2.
ECL: Expected Credit Loss
33View entire presentation