ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
LONG RUN PROVISIONS & LOSS RATES
Total credit impairment charge, $m
1,800
1,500
1,200
900
600
300
0
-300
-600
-900
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
Consumer IP
CP Charge/ (Release)
Commercial IP
Institutional IP
ANZ historical loss rates¹, bps
Long run loss rate (Internal Expected Loss²), %
250
Division
200
Aus. Retail
150
100
50
0
Sep Sep
90
93
Sep
96
Sep Sep Sep
99 02 05
Sep
Sep
08
11
Sep
14
Sep
17
Sep Sep Sep
New Zealand
Institutional
Pacific
20 21 22
Total
Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22
0.19 0.19 0.19 0.16 0.14 0.12 0.12 0.11
Aus. Commercial 0.75 0.73 0.69 0.81 0.76 0.68 0.62 0.56
0.19 0.18 0.19 0.16 0.15 0.13 0.12 0.11
0.27 0.25 0.25 0.30 0.25 0.25 0.21 0.21
1.60 1.40 1.30 1.46 1.74 2.15 2.65 2.44
0.27 0.26 0.26 0.26 0.23 0.22 0.20 0.19
1.
2.
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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