Australian Housing Dynamics and Affordability

AUSTRALIA RETAIL & COMMERCIAL IMPROVING MOMENTUM □ Clarity and consistency on policy and risk settings Approval turnaround times □ Industry conditions OUTLOOK - HOUSING MOMENTUM HOME LOAN APPLICATION TREND 3 month rolling average (Index Sep 2017 = 100) 110 100 90 80 70 60 "Offer So Good" campaign July 2 to August 31 - 50 50 Pick up in application volumes in 4Q19 Improved momentum into 1Q20 40 30 20 10 □ Faster loan amortisation in a low rate environment 0 Sep- Dec- Mar- Jun- Sep- Dec- Mar- Jun- Sep- 17 17 18 18 18 18 19 19 19 ANZ 46

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