2020
FULL YEAR RESULTSINVESTOR DISCUSSION PACKCUSTOMER SUPPORT (COVID-19) EXTRACT

Full ANZ 2020 Results Presentation and Investor Discussion pack is available atanz.com/shareholder/centre/reporting/results-announcement/

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

Total ANZ
Portfolio(30 Sep-20)

Total active
deferrals1(15 Oct-20)

Home loans – Australia
Total number of home loans
Total $ value of home loan balance ($b)

1,008k51k27519

ACTIVE LOAN DEFERRALS1
End of month net position
Account numbers (000s)

11212512412422222120181721

Home Loans – New Zealand
Total number of home loans

529k

10k

Total $ value of home loan balance (NZ$b)

90

381

1621

71
101020

236k

10k

83

84

8674

70

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

2020

Commercial Loans – Australia
Total number110

68

451

41
53

2Mar-20

Apr-20May-20Home Loans - Australia

Jun-20Jul-20

Aug-20

Sep-20

Oct-20(15th)1Business Loans - Australia

Home Loans - NZ
Refer last page of section for footnote references
2

COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – HOME LOAN DEFERRALSPORTFOLIO SUMMARY
Accounts
DEFERRAL ROLL-OFF SUMMARY

ACTIVE LOAN DEFERRALS1

1,008k~55k loans have completed / exited the 6 monthdeferral period or advised intended action as at 15
October 2020

End of month net position
Accounts (000s)

838684

74

7079%

511%

114120%136k

Total portfolio(Sep-20)

Total Enquiries
for assistance

95k$1b
3$15b

$26b

$31b

$31b$32b$27b

Total loansthat received
repayment
deferrals

Mar-20

Apr-20May-20Jun-20Jul-20Aug-20

Sep-20<1%40$19bCompleted / Advised intention to complete deferral

Further 4 month deferral approved/applied

Initial Deferral

Oct-20(15th)

Restructured
Further 4 month deferral
Transferred to hardship

Refer last page of section for footnote references
3COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – HOME LOAN DEFERRAL METRICS1

Loan repayment deferrals
Total Active deferrals
31 Jul 2020

15 Oct 2020Total AUS.
Home LoanPortfolio(30 Sep 2020)

Total number of home loans

84k

51k

1,008kTotal $ value of home loan balance

$31b

$19b

$275b

Offset balances

$1b

$1b

$33b

Avg. Dynamic LVR (Ex. offset)568%

68%

56%

Average Loan Size

$371k

$379k

$273k

% Principal & Interest692%

95%

87%

% Owner Occupied673%

72%

68%

Of the current ~40k active 6 month loan deferrals:• ~ 25% have made at least one payment while on deferral• ~ 50% have at least a 3 month payment or greater savings ‘buffer’2• ~ 20% have Lenders Mortgage Insurance

Of those with ANZ associated transaction account data:• ~ 80% have stable or improved income3• ~ 10% in JobKeeper/JobSeeker payment scheme4

Of the ~11K loan deferrals that have requested and received an approval
for a 4 month extension:• ~ 50% are from Victoria (impacted by the extended lockdown period)• ~ 85% have DLVR <90%5ACCOUNTS ENTERING & SCHEDULED FOR EXIT/EXPIRY FROM DEFERRAL
40k20k
0k-20k-40k-60k

Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21
Deferrals added in the monthDeferrals exited/expired (or scheduled) in the monthDeferrals extended for further 4 months

Refer last page of section for footnote references
4COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – HOME LOAN DEFERRALS – PORTFOLIO PROFILESREPAYMENT PROFILELOAN PURPOSE(% of accounts)3,4(% of accounts)
1,008kaccounts~40k1
accounts~11k
accounts

7%

3%

5%

93%

97%

95%

Total housing portfolio(30 Sep-20)

Initial 6 month deferral – still todetermine action on maturity(15 Oct-20)

Loan deferrals - 4month extension(15 Oct-20)2

Principal and interest (including Equity Manager)

Interest only

26%

9%

0%

25%

0%

65%

71%

75%

Total housing portfolio(30 Sep-20)

Initial 6 month deferral – still todetermine action on maturity(15 Oct-20)

Loan deferrals - 4month extension(15 Oct-20)2

Owner Occupier

DYNAMIC LOAN TO VALUE RATIO

29%

Investor

Equity Manager

PORTFOLIO BY STATE(% of accounts)(% of accounts)3,48%

9%

6%

15%
16%

15%
18%

14%
17%34%

13%
13%
18%

35%

26%

26%

35%

32%

30%

34%

46%

Total housing portfolio(30 Sep-20)

Initial 6 month deferral – still todetermine action on maturity(15 Oct-20)

Loan deferrals - 4month extension(15 Oct-20)2

Total housing portfolio(30 Sep-20)

Initial 6 month deferral – still todetermine action on maturity(15 Oct-20)3

Loan deferrals - 4month extension(15 Oct-20)2

0-60%

81% - 90%

VICWA

11%
30%
51%

61% - 80%

>90%

NSW

QLD

13%

9%

26%

Other

Refer last page of section for footnote references5COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – COMMERCIAL BUSINESS LOAN DEFERRALSPORTFOLIO SUMMARY
Accounts
DEFERRAL ROLL-OFF SUMMARY4ACTIVE LOAN DEFERRALS1236k$6.8b loans (~15k accounts) have completed / exitedthe 6 month deferral period or advised intended action
as at 15 October 2020

End of month net position
Accounts (000s)
202122222120
186%
4%
1924k

Total portfolio

Enquiries forassistance2

23k

Total loansthat received
repayment
deferrals3

1029%
1%

82$1.4b$9.0b$9.7b$10b$9.5b$8.6b$8.3b$4bCompleted / Advised intention to complete deferral

Mar-20

Apr-20May-20Jun-20Jul-20Aug-20

Sep-20

Oct-20(15th)

Convert to Interest Only

Further 4 month deferral approved/applied

Initial Deferral

Further 4 month deferral
Transferred to hardship

Refer last page of section for footnote references
6

COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – COMMERCIAL LOAN DEFERRAL METRICS

31 July 2020

All customers are contacted 4-6 weeks pre-expiry. Those with a relationshipmanager and any customer deemed ‘at risk’ also receive a phone call.
Of the current ~8k active 6 month loan deferrals (where still to determine action
on maturity as at 15 October), for those with ANZ associated transaction accountdata1 (compared to the same time last year):• ~20% have increased cash inflows by >30%2• ~25% have reduced cash outflows by >30%2• ~50% are receiving JobKeeper payments from the ATO2
• ~65% have higher cash balances since March 2020 (Pre-COVID)3
1.6k business loan deferrals have received a 4 month extension:• ~60%6 are from Victoria impacted by the longer lockdown periodo Of which, ~30% are within Accommodation, Cafés and Tourism and~20% within Retail Trade industries• ~40% have a ‘savings buffer’ of 10 months or more7

15 October 2020

Assistance Provided

Accounts

EAD4

Accounts

EAD5

Total Commercial lending~240k$69b~236k$68b

Business loan deferrals~22k$10b~10k8$4b8

Asset Finance loan deferrals~13k$0.9b~10k$0.7b

Temporary overdraft
increases~11k$1.2b~10k$1b

JobKeeper and SME
Guarantee Scheme~3k$0.2b~3k$0.2bat 31 July 2020

ACCOUNTS ENTERING & SCHEDULED FOR EXIT/EXPIRY FROM DEFERRAL
20k15k10k5k0k-5k-10k-15k

Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21
Deferrals added in the monthDeferrals exited/expired (or scheduled) in the monthDeferrals extended for further 4 months

Refer last page of section for footnote references
7COVID-19 CUSTOMER SUPPORT MEASURESAUSTRALIA – COMMERCIAL BUSINESS LOAN DEFERRALS PORTFOLIO PROFILES

BUSINESS LOAN DEFERRALS PROVIDED1BY SECURITY PROFILE (% OF EAD)2$68b6%

5%

15%

BY STATE (% OF EAD)3$4b$0.6b6%8%

20%$68b1%

$4b1%

$0.6b

$68b

$4b

$0.6b

27%

25%

30%

5%
6%
9%

9%

8%

13%

1% 3%
5%
9%

11%

13%

22%

6%

12%

20%

BY INDUSTRY (% OF EAD)

15%
30%
74%

74%

21%

10%

26%

71%

Business loandeferrals 4 month extension(15 Oct-20)4

Fully Secured

Partially Secured

Unsecured

Others

19%

13%
3%

37%

28%
Initial 6 monthdeferral - still todetermine action
on maturity(15 Oct-20)

25%

9%60%Total Commercial
portfolio(30 Sep-20)

7%

24%

Total Commercial
portfolio(30 Sep-20)

Initial 6 monthdeferral - still todetermine action
on maturity(15 Oct-20)

Business loandeferrals –4 month extensions(15 Oct-20)4

Total Commercial
portfolio(30 Sep-20)

20%
Initial 6 monthdeferral - still todetermine action
on maturity(15 Oct-20)

11%
16%
10%

1%

Business loandeferrals –4 month extensions(15 Oct-20)4

VIC/TAS

QLD

SA/NT

Comm. Property & Construction

Accom. Cafes & Restaurants

NSW/ACTWA

OtherAgri., Forestry & Fishing

Health & Community Services

Retail Trade

Other Industries

Other Property & Bus. Services

Refer last page of section for footnote references
8COVID-19 CUSTOMER SUPPORT MEASURESNEW ZEALAND

PORTFOLIO SUMMARY•

Financial support provided to ~43,000 personal, home andbusiness loans customers through repayment deferrals,
moving to interest only, or loan adjustments covering
lending of NZD27b

Accounts
529k

NUMBER OF ACTIVE HOME LOANS WITH REPAYMENTS DEFERRED•Deferred repayments on ~24,000 home loans and moved~21,000 home loans to interest onlyAccounts (000s)•

Granted 2,780 temporary overdraft facilities to businesses
needing more working capital, worth ~NZD46m

20

2120
181716

Total NZ
Home Loan
Portfolio
15-Oct-20(Sep-20)<2% of thehome loan
portfolio

LOAN REPAYMENT DEFERRALS
Jul-20

Sep-20Total number of homeloans

18k

16k

10k

529k

Total $ value of home loanbalance (NZD)

4.7b

4.1b

2.7b90bMedian LVR

62.4%

62.9%

62.9%

51.4%

Average Loan Size (NZD)

10NZD

0.1b

5.0b

5.3b

5.1b

4.7b4.4b4.1b2.7bApr-20May-20Jun-20Jul-20Aug-20

Sep-20

Oct-20(15th)

0.1

256k

258k

276k

~24k

169k
Total Home
Loan portfolio

Mar-20Total loansthat received
repayments
deferrals

Refer last page of section for footnote references
9COVID-19 CUSTOMER SUPPORT MEASURESNEW ZEALAND HOUSING REPAYMENT DEFERRAL PORTFOLIO PROFILESREPAYMENT PROFILELOAN PURPOSE(% of accounts)(% of accounts)
529k
accounts
21%

LOAN TO VALUE RATIO

10kaccounts
25%(% of accounts)1529k
accounts

10k
accounts
18%

25%

529kaccounts
2%3%

10k
accounts
2%

7%

32%
48%

79%

75%

82%

75%

63%
43%

Total housing
portfolio (30 Sep-20)

Principal and interest

Loan deferrals portfolio (15 Oct-20)2

Total housing
portfolio (30 Sep-20)

Interest only

Owner Occupier

Loan deferrals portfolio (15 Oct-20)2

Investor

Total housing
portfolio (30 Sep-20)

0 - 60%61% - 80%

Loan deferrals portfolio (15 Oct-20)2

81% - 90%>90%Refer last page of section for footnote references
10CUSTOMER SUPPORT (COVID-19)
Page

Footnote referenceOVERVIEW
Australia & New Zealand Home loan and Australia
Business loan portfolio & active loan deferrals

1.

‘Home Loans – Australia’, ‘Home Loans – New Zealand’ and ‘Business Loans – Australia’ numbers exclude accounts due to expire / exit where customers have already confirmed they will recommence repayment

COVID-19 CUSTOMER SUPPORT MEASURES
Australia – Home loan deferrals

1.

Excludes accounts currently deferred where customer has indicated return to payment at expiry

COVID-19 CUSTOMER SUPPORT MEASURES
Australia – Home loan deferral metrics

1.

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 20202.

Buffers are calculated at customer level, incorporating all Retail debts within the customer cluster at ANZ, and all funds available in ANZ redraw, offset and transaction and savings accounts

3

Based on deferral customers where ANZ can identify salary income, this represents ~32% of Home Loan customers. Salary income excludes other income types and segments such as self-employed. Stable is defined as income at orabove 80% of income in Feb-2020

4.

Based on ANZ transactional data, does not capture payment flows to non-ANZ accounts. JobSeeker accounts are based on customers who received one or more JobSeeker transactions between 1 Sep and 30 Sep. JobKeeper accounts
are based on customers that ANZ can identify as being on JobKeeper between 1 Sep and 30 Sep 2020 but due to identifying compl exities, there may be customers receiving JobKeeper that ANZ have not been able to identify.

5.

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

6.

% based of balances as at 30 Sep 2020

1.

Current loans on active repayment deferral on initial 6 month deferral – still to determine action on maturity and excludes loans extended/requested for a further 4 months and customers who have indicated they will return torepayments at expiry)

2.

Current loan deferrals that have requested and received an approval for a 4 month extension

3.

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

4.

DLVR does not incorporate offset balances

1.

Excludes accounts currently deferred where customer has indicated return to payment at expiry

2.

57.5k for all Commercial products (excl Trade Product assistance and merchant fee waivers). 24.4k of these were enquiries for Business Loan deferrals

3.

Total business loan deferrals that have had a deferral over the COVID19 period (including the unwind/rolled off population) – excludes Asset finance and other commercial facilities

4.

% 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

COVID-19 CUSTOMER SUPPORT MEASURES
Australia – Home loan deferrals portfolio profiles

COVID-19 CUSTOMER SUPPORT MEASURES
Australia – Commercial Loan deferrals

Note: Commercial is made up Small Business Banking (lending <$1m), Business Banking (typically lending <$10m), and Specialist Distribution (typically $10m-$40m). Note excludes Private Banking
COVID-19 CUSTOMER SUPPORT MEASURES
Australia – Commercial loan deferral metrics

1.

Transactional data flows able to contribute to this analysis include 91% of customers associated with the 8k deferredbusiness loans

5.

EAD as at 30 September 2020

2.

Small Business Banking & Business Banking only, via ANZ transactional banking data (excluding trust accounts).
Inflows exclude gvt. payments

6.

% is based on volumes

3.

Quarter on Quarter PCP: June-Aug 20 vs Jun-Aug19. Includes govt payments and excludes trust accounts.

7.

Savings buffer is where savings compared to debt repayment ratio would cover 10+ months

4.

EAD as at 30 June 2020

8.

Includes deferral extensions, but excludes accounts of customers who have indicated an intent toreturn to repayments

1.

Active deferrals as at 15 October 2020, EAD as at 30 September 20202.

Fully Secured on a market value basis. Other includes loans secured by cash or via sovereign backing

3

States based on primary postcode and Other represents where none recorded in system. Some postcodes occur across two states

4.

Current loan deferrals that have requested and received an approval for a 4 month extension

COVID-19 CUSTOMER SUPPORT MEASURESNew Zealand--

COVID-19 CUSTOMER SUPPORT MEASURESNew Zealand - Housing repayment deferral
portfolio profiles

1.

LVR is origination LVR. Note if calculated as % of portfolio then total housing is 49% (0-60), 44% (61-80), 5% (81-90) & 2% (>90) and LRD is 34% (0-60), 54% (61-80), 9% (81-90) & 3% (>90)

2.

Home loans with Loan Repayment Deferral in place as at 15/10/2020

COVID-19 CUSTOMER SUPPORT MEASURES
Australia – Commercial loan deferral portfolio
profiles11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

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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