Investor Presentaiton
MyState
Sub Debt Issue | Investor Presentation 23
Limited
High credit quality
Consistent focus on
lower LVR loans with
high asset quality
Uptick in arrears has
lead to an increase in
impairment provisions
30 and 90 day arrears
well below industry
Impairments remain at
historic lows
30+ Days S&P Arrears Data
Home loan book - LVR profile ($b)
$0.20
$0.20
>90%
$0.30
$0.35
$0.20
$0.37
$0.35
85%-90%
80%-85%
18%
$0.26
$0.39
Home loan book composition (%)
79.4%
78.9%
78.9%
<80%
82%
$3.98
$4.01
Owner
Occupier
$3.51
Investor
20.6%
21.1%
21.1%
FY18
FY19
1H20
FY18
FY19
1H20
SPIN Majors
SPIN Regionals
Group
SPIN Majors
90+ Days S&P Arrears Data
SPIN Regionals
Group
3.20%
2.00%
2.80%
1.60%
2.40%
2.00%
1.20%
1.60%
0.80%
1.20%
0.80%
0.40%
0.40%
0.00%
0.00%
Jul-18 Sep-18 Nov-18 Jan-19 Mar-19 May-19 Jul-19 Sep-19 Nov-19 Jan-20 Mar-20
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