Investor Presentaiton
Australian consumer finance.
2% of Group loans.
Australian consumer finance portfolio 1
Total consumer finance 90+ day delinquencies (%)
Mar-20
Sep-20
Mar-21
$18.4bn
$15.7bn
$15.0bn
2.50
Lending
30+ day delinquencies (%)
4.22
3.62
3.58
1.50
90+ day delinquencies (%)
1.97
2.09
1.92
90+ day delinquencies down 17bps over the period, reflecting 26bps improvement in
portfolio, offset by 9bps from contraction in loans.
Australian consumer finance portfolio ($bn)¹
■Mar-20 ■Sep-20 Mar-21
8.3
6.8 6.8
6.3 5.9 5.4
3.8 3.0 2.8
18.4
15.7 15.0
Credit quality
1.92%
Consumer unsecured 90+ day
delinquencies down 17bps
mostly due to portfolio
improvement
0.50
Sep-18
Mar-19
Sep-19
Mar-20
Sep-20
Mar-21
Australian consumer finance portfolio ($bn)
Unsecured performing loans balance ($bn Ihs)
■Unsecured 90+ day delinquencies balance ($bn rhs)
12505
0
Credit cards
Personal loans
Auto loans
(consumer)
Total consumer
finance
1 Does not include Margin Lending.
69
Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack
Mar-19
May-19
Jul-19
Sep-19
Nov-19
Jan-20
Mar-20
May-20
Jul-20
Sep-20
3
2
1
0
Westpac GROUPView entire presentation