ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
GROWTH HAS BEEN RESTORED IN AUSTRALIA HOME LOANS
RESTORE
Momentum
in Australia
Home Loan performance
Processing capacity
+35%
home loans
Sep 22 vs. Sep 21
Australia Retail performance
Home Loan balance², $b
Risk adjusted margins, %
6.9%
annualised
6.15
6.16
283.1
281.5
280.9
280.4
279.1
Auto credit decisioned
278.4
278.6
79%
ANZ branch
applications¹ Sep 22
(up from 77% in Mar 22)
5.98
6.18
Mar 22 Apr 22 May 22 Jun 22 Jul 22 Aug 22 Sep 22
1H21
2H21
1H22
2H22
1. Branch applications receiving an instant credit decision
2.
Sep 22 balance has not been adjusted for the revision in accounting treatment within 'Net loans and advances' required. The change in accounting treatment is in relation to the payment of trail commission to mortgage
brokers, to recognise a liability within 'Payables and other liabilities' equal to the present value of expected future trail commission payments, along with a corresponding increase in capitalised brokerage costs in 'Net loans
and advances'. Incorporating this adjustment, Sep 22 Home Loan balance is $284.4b, $1.2bn higher than currently presented.
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