ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIAN HOUSING - HOUSEHOLD DEBT AND INCOME
: 200
-150
Household debt and deposits¹
% of annual household disposable income
Household Deposits as a % of Income
Household Debt to Income
Household Net Debt to Income
- 100
50
%
45
Distribution of household debt³
By income quintile, 2019/20
30
15
188%
96%
91%
%
10
Flows into housing loan and offset accounts²
Share of disposable income; quarterly
%
50
0
2012
ratio
%
Share of total debt owed
Median debt-to-income
1.5
30
2014
2016
2018
2020
10
5
0
2022
Interest Scheduled principal Offset and redraw
Sources: ABS; APRA; RBA
Repayment increases for variable rate loans4
Changes in repayments in response to a 300 basis point increase in interest rates
20
1.0
0.5
0.0
1
2
3
4 5 1 2
3
4 5
Income quintile
Sources: ABS; RBA
10
O
None
O to
<10
10 to
<20
20 to
<30
30 to
<40
40+
Increase in repayments (%)
Sources: RBA; Securitisation System
%
30
20
10
Sources: 1. ABS, RBA. Housing Debt refers to ratio of housing debt to annualised household disposable income. Deposits include transferrable and other deposits 2. RBA Statement of Monetary Policy, August 2022 3. RBA Financial Stability Review, Apr 2022
4. RBA Speech: How Are Households Placed for Interest Rate Increases? 19 July 2022. Changes between new required repayments and average monthly payments over the past year; share of variable-rate loans (excluding split loans) as at May 2022.
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