ANZ 2022 Full Year Results
ANZ 2022 Full Year Results
AUSTRALIA HOME LOANS - BOOK
· BOOK ORIGINATED AND ATTRIBUTES
Home Loans portfolio, Sep 22
Time on Book ($b)
1.
2.
283
> 24 months
57%
Origination LVR profile
123
13 24 months
18%
80% or less LVR
80%
LMI
Customer has 3 months+
savings buffer¹
ANZ has limited exposure to
recently originated lending at high
LVRs with no LMI, and much of this
cohort has savings buffers in excess
of 3 months of repayments:
$4b of the $283b Home Loans
portfolio (or <1.5%) has been on
book less than 24 months, has an
LVR of greater than 80% with no
LMI and less than 3 months
savings buffers
<= 12 months
25%
24
Of the $4b with less than 3 months
savings buffer:
Yes
Yes
46%
13
.
>80% LVR
20%
$1.2b (29%) are investor loans
No
54%
No
69%
Sep 22
31%
Sep 22
Sep 22
•
Sep 22
$475m (11.5%) have UMI²≤ $100
$68m (1.65%) are one or more
payment past due and
<$1m (0.02%) are 90+ days past due
Buffers are calculated at customer level, incorporating all Retail debts within the customer cluster at ANZ, and all funds available in ANZ redraw, offset and transaction and savings accounts
Uncommitted monthly income (UMI) is determined after income and expense buffers and shading are applied, and based on verified income only
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