2020

CUSTOMER SUPPORT (COVID-19) UPDATE
TO 11 DECEMBER 2020

OVERVIEW
AUSTRALIA & NZ HOME LOAN AND AUSTRALIA BUSINESS LOAN PORTFOLIO & ACTIVE LOAN DEFERRALSACTIVE LOAN DEFERRALS1

Total active deferrals1
Total ANZ
Portfolio
30 Sep-20

31 Oct20

30 Nov20

11-Dec20

End of month net position
Account numbers (000s)

Home loans - Aus.2
Total # of home loans
Total $ value of home loan balance ($b)

1,008k

36k

27k

25k

275

141010112

124

2222211817529k

7k

3k2.4kTotal $ value of home loan balance(NZ$b)

90

20.8

0.7

Total number

236k

5k

3.3k

3.1k

Total $ value ($b EAD)

68

211110202081

Total # of home loans

162120Commercial Loans - Aus.

2083

84

86
74

70
41
5348
5736

33.3
3.3

3

30.5
3.1

27

25

Nov-201

Dec-20(11th)1

2.4

2Mar-20

Apr-20May-20Home Loans - Australia

1.
2.

124

21

Home Loans – NZ

Total ANZ Portfolio (30 Sep-20) for
Commercial includes business loans, asset
finance & other lending products. Total
Active deferrals are business loans only125Jun-20Jul-20

Home Loans - NZ

‘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
Home Loans Australia deferrals figures exclude a population of Home Loan deferrals where the loan is being managed by Private Bank, at Nov 30 this population is 45 loans

Aug-20

Sep-20

Oct-201

Business Loans - Australia

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COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – HOME LOAN DEFERRALS1,5ACTIVE LOAN DEFERRALS2Loan repayment deferralsTotal Active deferrals
31 Oct2020

30 Nov2020

11 Dec2020

Total AUS.
Home Loan
Portfolio(30 Sep2020)

Total number of home loans

36k

27k

25k

1,008kTotal $ value of home loanbalance

$14b

$10b

$10b

$275b

Offset balances$0.58b$0.36b$0.32b$33b

Avg. Dynamic LVR (Ex.
offset)3

68%

69%

69%

56%

Average Loan Size

$385k

$393k

$395k

$273k

% Principal & Interest4

94%

93%

94%

87%

% Owner Occupied4

72%

71%

72%

68%

DEFERRAL ROLL-OFF SUMMARY

End of month net position
Accounts (000s)

8384~87k loans have completed /exited the 6 month deferral
period or advised intended
action as at 11 Dec 2020

8674270

79.6%
1.0%
18.8%

4172

36
140.6%
2716251722
3

11Mar-20 Apr-20 May-20 Jun-20
Initial Deferral
1.
2.
3.
4.
5.

Completed / Advised
intention to complete deferral
Restructured
Further 4 month deferral

8

Transferred to hardshipJul-20Aug-20 Sep-20 Oct-20 Nov-20 Dec-20(11th)
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 8th 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, includes Non Performing Loans, excludes accounts with a security guarantee, and unknown DLVR; Valuations for DLVR updated to Aug-20 for 15-Oct and 31-Oct, valuations for DLVR updated to Oct20 for 30-Nov and 11-Dec% based of balances as at end of the previously completed monthFigures exclude a population of Home Loan deferrals where the loan is being managed by Private Bank, at Nov 30 this population is 45 loans

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COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – COMMERCIAL BUSINESS LOAN DEFERRALSACTIVE LOAN DEFERRALS130 November 2020

End of month net position
Accounts (000s)

2122202211 Dec 2020

DEFERRAL ROLL-OFF SUMMARY2Assistance Provided

Accounts

EAD3Accounts

EAD3$9.9b3 loans (~23k accounts) havecompleted / exited the 6 monthdeferral period or advised intended
action as at 11 December 2020

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

Business loan deferrals~3.3k4~$1.2b4~3.1k4~$1.2b4

Asset Finance loan deferrals~1.2k~$0.1b~0.8k~$0.1b

Temporary overdraft
increases

7.8k~$0.8b7.8k~$0.8b

JobKeeper and SME
Guarantee Scheme~2.9k~$0.2b~2.8k~$0.2b2120
184.8%
3.4%
9.3%
2.5%
19Completed / Advised
intention to complete deferral

5223332211

Convert to Interest Only
Further 4 month deferral
Transferred to hardshipMar-20 Apr-20 May-20 Jun-20
Initial Deferral

1.
2.
3.
4.

Jul-20 Aug-20 Sep-20 Oct-20 Nov-30 Dec-20(11th)
Further 4 month deferral approved/applied

Excludes accounts currently deferred where customer has indicated return to payment at expiry. Note: due to improved business logic capturing roll off status, volumes of active deferrals across October have decreased since previously published (from 10k accounts and $4b EAD)
% based on October 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 31 Oct 2020
Includes deferral extensions, but excludes accounts of customers who have indicated an intent to return to repayments

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FURTHER INFORMATIONOur Shareholder informationanz.com/shareholder/centre/

Equity Investors

Jill Campbell

Cameron Davis

Retail Investors

Debt Investors

Michelle Weerakoon

Scott Gifford

Group General Manager
Investor 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

Senior 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.
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