Investor Presentaiton
Macquarie FY20 result announcement I macquarie.com
Banking and Financial Services
Portfolio and credit overview
Introduction
Overview of Result
Result Analysis and Financial Management.
Outlook
Appendices
O
MACQUARIE
Portfolio dynamic
31-Mar-20
31-Mar-19
% change
Home Loan Dynamic LVR Distribution
3%
2%
Funds Under Management/Gross Loan Assets ($Am)
75,320
62,453
21%
5%
12%
21%
% Business Banking (incl. Business Bank Home Loans)
12%
13%
-8%
21%
22%
% Personal Banking (Home Loans + Credit Cards)
70%
63%
11%
20%
% Asset Finance (incl Wholesale)
18%
24%
-25%
44%
50%
Credit Risk Weighted Assets (CRWA) ($Ab)
35.7
32.2
11%
Total provisions ($Am)²
470
399
18%
% ECL/CRWA (pre-COVID adjustment)
% ECL/CRWA (post-COVID adjustment)
1.07%
1.24%
1.32%
Business lending security type and LVR7 (%)
41%
Residential Property (LVR 69%)
Commercial Property (LVR 67%
Secured Cashflow (LVR 50%)
Rent Roll (LVR 56%)
Strata Roll (LVR 52%)
12%
33%
11% 3%
~47%
business lending secured against the business
Home Loan portfolio¹ dynamic
Average LVR at Origination (%) 3,4
Average Dynamic LVR (%) 4.5
% Owner Occupied
31-Mar-19
31-Mar-20
■0% to 60%
60.01% to 70%
70.01% to <80%
■■■80% to 90%
90.01% to 100%
31-Mar-20
31-Mar-19
69%
70%
57%
60%
63%
63%
74%
70%
0.55%
0.65%
1bp
Obp
73%
74%
30-Apr-20
11.2%
16.2%
13.5%
% Principal and Interest
90+ days delinquent (%)
Loss rates (bps)
% ahead of repayments 6
COVID-19 Payment Pause (% of balances)
Personal Banking (Home Loans + Credit Cards)
Business Banking (incl Business Bank Home Loans)
Vehicle Finance (incl Wholesale)
1. Home Loans originated in Personal Banking. 2. 31 Mar 20 provision include $87m of COVID overlay. 3. Based on accounts still on book. 4. Weighted by size of loan. 5. House price index (HPI) as at Dec'19. 6. Taken as a % of loans with more than 0.5% of limit available 1 monthly payment
ahead net of offset and redraw balances. 7. At 31 Mar 20.
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