2020

CUSTOMER SUPPORT (COVID-19) UPDATETO 9 NOVEMBER 2020

OVERVIEW
AUSTRALIA & NZ HOME LOAN AND AUSTRALIA BUSINESS LOAN PORTFOLIO & ACTIVE LOAN DEFERRALS

Total
ANZPortfolio
30 Sep20

ACTIVE LOAN DEFERRALS1

Total active deferrals1
15 Oct20

31 Oct20

9 Nov20

End of month net position
Account numbers (000s)

Home loans – Australia

112

Total number of home loans

1,008k

51k

36k

33k

Total $ value of home loanbalance ($b)

275

191413Total $ value of home loanbalance (NZ$b)
Commercial Loans –Australia
Total number81529k

10k7k

3.5k

Total ANZ Portfolio (30 Sep-20) for
Commercial includes business loans,asset finance & other lending products.
Total Active deferrals are business loans
only

124

2222

2120

18

1790

32171
10

1020
70

10k

7k

68

4

220

162183

236k

110

20

6.5k
41

Total $ value ($b EAD)

124

21Home Loans – New Zealand
Total number of home loans

125

1.95
384

86
74

50
743

7

6.5
3.5

36

33

51

2Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Oct-20 Nov-20(15th)1 (31st) 1 (9th)1
Home Loans - Australia
Home Loans - NZ
Business Loans - Australia

1. ‘Home Loans – Australia’, ‘Home Loans – New Zealand’ and ‘Business Loans – Australia’ numbers, excludes accounts currently deferred where customer has indicated return to payment at expiry

2

COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – HOME LOAN DEFERRALS1ACTIVE LOAN DEFERRALS2

15 Oct2020

31 Oct
2020

9 Nov
2020

Total AUS.
Home Loan
Portfolio(30 Sep2020)

Total number of home loans

51k

36k

33k

1,008kTotal $ value of home loanbalance$19b$14b$13b$275b

Offset balances$1b$0.58b$0.51b$33b

Avg. Dynamic LVR (Ex.
offset)3

68%

68%

68%

56%

Average Loan Size

$379k

$385k

$388k

$273k

% Principal & Interest4

95%

94%

94%

87%

% Owner Occupied4

72%

72%

71%

68%

Loan repayment deferrals
Total Active deferrals
DEFERRAL ROLL-OFF SUMMARY

End of month net position
Accounts (000s)

8384~77k loans have completed /exited the 6 month deferral
period or advised intended
action as at 9 November 202086747080%
511%

114119%3614331540223

Initial Deferral

2.
3.
4.

Completed / Advised
intention to complete deferral
Restructured

18

Further 4 month deferral
Transferred to hardshipMar-20 Apr-20 May-20 Jun-20

1.

<1%Jul-20

Aug-20

Sep-20 Oct-20(15th)

Oct-20 Nov-20(9th)(31st)

Further 4 month deferral approved/applied

From 8th October 2020, COVID-19 loan deferrals are available to customers if either their Home Loan repayments are less than 30 days past due, or if their repayments are less than 90 days past due and were up to date at 1 March 2020. From 8 th October 2020, loandeferrals are available to customers that are less than 90 days past due
Excludes accounts currently deferred where customer has indicated return to payment at expiry.
Unweighted based on # accounts; Includes capitalised LMI premiums, valuations for DLVR updated to Aug-20 where available, includes Non Performing Loans, excludes accounts with a security guarantee, and unknown DLVR
% based of balances as at end of the previously completed month3

COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – COMMERCIAL BUSINESS LOAN DEFERRALSACTIVE LOAN DEFERRALS1

15 October 2020

End of month net position
Accounts (000s)

212220229 Nov 2020

DEFERRAL ROLL-OFF SUMMARY2

Assistance Provided

Accounts

EAD3Accounts

EAD3$9.1b loans (~19k accounts) havecompleted / exited the 6 monthdeferral period or advised intended
action as at 9 November 2020

Total Commercial lending~236k$68b~236k$68b

Business loan deferrals~10k4$4b4~6.5k4~$1.9b4

Asset Finance loan deferrals~10k$0.7b~2.6k~$0.2b

Temporary overdraft
increases~10k$1b8.5k~$0.8b

JobKeeper and SME
Guarantee Scheme~3k$0.2b~3k~$0.2b2120
185%

4%
9%
2%

1019272

6.5
282

Initial Deferral

1.
2.
3.
4.

Convert to Interest Only
5Mar-20 Apr-20 May-20 Jun-20

Completed / Advised
intention to complete deferral

4.5

Further 4 month deferral
Transferred to hardshipJul-20 Aug-20 Sep-20 Oct-20 Oct-20 Nov-20(15th) (31st) (9th)Further 4 month deferral approved/applied

Excludes accounts currently deferred where customer has indicated return to payment at expiry% based on September 2020 EAD associated with customers where original deferral period has concluded (expired/unwound relief) or advised intended action. Accounts paid out/closed are excluded from EAD
EAD as at 30 September 2020
Includes deferral extensions, but excludes accounts of customers who have indicated an intent to return to repayments

4

FURTHER INFORMATIONOur Shareholder informationanz.com/shareholder/centre/Equity Investors

Jill Campbell

Cameron Davis

Retail Investors

Debt Investors

Michelle Weerakoon

Scott Gifford

Group General ManagerInvestor Relations+61 3 8654 7749
+61 412 047 448
jill.campbell@anz.com

Manager Shareholder
Services & Events+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com

Executive Manager
Investor Relations+61 3 8654 7716
+61 421 613 819
cameron.davis@anz.com

Harsh Vardhan

Manager
Investor Relations+61 3 8655 0878
+61 466 848 027
harsh.vardhan@anz.com

Head of Debt Investor
Relations+61 3 8655 5683
+61 434 076 876
scott.gifford@anz.com

DISCLAIMER & IMPORTANT NOTICE: The material in this presentation is general background information about the Bank’s activities current at the date of the presentation. It is information given insummary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial
situation or needs of any particular investor. These should be considered, with or without professional advice when deciding if an investment is appropriateThis presentation may contain forward-looking statements including statements regarding our intent, belief or current expectations with respect to ANZ’s business and operations, market conditions,results of operations and financial condition, capital adequacy, specific provisions and risk management practices. When used in this presentation, the words “estimate”, “project”, “intend”, “anticipate”,“believe”, “expect”, “should” and similar expressions, as they relate to ANZ and its management, are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance onthese forward-looking statements, which speak only as of the date hereof. Such statements constitute “forward-looking statements” for the purposes of the United States Private Securities Litigation
Reform Act of 1995. ANZ does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof toreflect the occurrence of unanticipated events.
5