2020
HALF YEAR RESULTS—HALF YEAR ENDED 31 MARCH 2020
EXTRACT: CUSTOMER SUPPORT,INCLUDING LOAN DEFERRALSPROTECT OUR PEOPLE, OUR CUSTOMERS & SHAREHOLDERSREQUESTS FOR HOME LOAN DEFERRALS1PROTECTPROTECTAUSTRALIA - Cumulative accounts (000’s)
120
14% of Aus.
home loanbalances

9060

Support measures for customers

300

Introduced health & safety measures

20/03/20

24/04/20

NEW ZEALAND - Cumulative accounts (000’s)
20

Deep-dive industry reviews

1001.

5% of NZ
home loanbalances

31/03/20

24/04/20

For Australia home loans, includes all requests for assistance by COVID19 impacted customers
1

CUSTOMER SUPPORT1
COVID-19 RELIEF AND ASSISTANCE (AS AT 24 APRIL 2020)

AUSTRALIA HOME LOANS

AUSTRALIARELIEF ASSISTANCE REQUESTS (BY DLVR BAND)

Home loans
Requests for repayment deferral2~105,000

Lending value of assistance requested$36b

Average dynamic LVR

66%

14%
38%

15%

0% - 60%
61% - 80%

81% - 90%

Business loans3

Greater than 90%

Lending value of repayment deferrals

33%

$7.5b

AUSTRALIA BUSINESS LENDINGNEW ZEALANDRELIEF BY INDUSTRY (% OF LENDING EXPOSURE)

Home loans

Property & Business Services

Requests for repayment deferral~19,000

Lending value of assistance requested

NZD 12bBusiness loans
Temporary overdraft for working capital

1.
2.
3.

NZD 25m

Requests by number of accounts
includes all requests for assistance by COVID19 impacted customers
Business loans as at 20th April 2020

23%

26%

Accommodation, Cafes & Restaurants
Retail Trade
Health & Community Services

3%
6%
9%

18%
15%

Manufacturing
Agri., Forestry & Fishing

Other Industries

2AUSTRALIA COMMERCIAL BANKING1COVID-19 RELIEF AND ASSISTANCEDETAILS OF RELIEF MEASURES•Initial relief and support offering available
to ANZ’s Commercial Banking customersare:• 6 month payment deferral on loan
repayments for term loans, withinterest capitalised; and• Temporary increases in overdraft
facilities for 12 months•

CUSTOMER RELIEF PROVIDED•~42,000 total requests for assistance (based on product numbers)•~15% of Commercial lending customers have been provided assistance via the relief offering 2•

As part of our initial COVID-19 relief, payment deferrals have been provided on $7.5bn of lending and temporary
overdraft increases have been provided on over ~5,500 accounts•All assistance and relief has been made available on an opt-in basis
RELIEF PROVIDED BY TYPE
% OF CUSTOMERS

Additional support is available to eligible
customers for Asset Finance, Commercial
Cards, Trade and Merchants products

RELIEF PROVIDED BY STATE% OF CUSTOMERSRELIEF PROVIDED BY INDUSTRY% OF LENDING EXPOSURE

8%

14%
12%

23%

26%

34%

18%
ADDITIONAL FUNDING AVAILABLE••68%A funding initiative to support businesses
accessing the Federal Government’s Job
Keeper stimulus package has beenlaunched
ANZ is also offering new lending up to$250,000 for 3 years supported by the50% backed Government Guarantee
Scheme

3%
6%

19%

9%

27%

Payment Deferral

VIC/TASWA

Overdraft Increase

NSW/ACT

SA/NT

Both

QLD

18%
15%

Property & Business
Services

Manufacturing

Accommodation, Cafes& Restaurants

Agriculture,
Forestry & Fishing

Retail Trade

Other Industries

Health & Community
Services1.
2.

Commercial is made up of three segments: Small Business Banking (SBB), Business Banking (BB) and Specialist Distribution (SD). Figures exclude Consumer Asset Finance which has ceased being offeredsince 30 April 2018
As at 20th April 2020. COVID assistance has also been provided through Customer Hardship channels

3

AUSTRALIA HOME LOANSRECENT INTEREST RATE CHANGES; COVID-19 RELIEF AND ASSISTANCE

INTEREST RATE CHANGES
Variable interest rates•DETAILS OF RELIEF MEASURESLoan Repayment deferrals1•Fixed Interest rates

Decreased Standard Variable Interest rates in Australia by0.40% p.a. in March 2020

Deferral of home loan repayments for up•

New lower fixed rate home loans for Owner Occupied and Investor•Introduced a two-year fixed rate of 2.19% for owner occupied paying principal & interest 3

CUMULATIVE REQUESTSCUSTOMER RELIEF PROVIDED4# Accounts (000s)
120

to six-months, with a review at three-80months, with interest capitalised40

For customers seeking assistance where
the account is less than 30 days past due,
the repayments are deferred and theaccount delinquency status does notage2. For accounts at 30 days past due orgreater a repayment moratorium isapplied, and the account delinquency

Customers have requested assistance on ~105,000
home loan accounts•~$36.1b in lending of assistance requests•~66%5,6 average DLVR of assistance requests•~$343k avg. loan account size of assistance requests

10060
20

•

•

020Mar

25Mar

1Apr

8Apr

15Apr

24Apr

REQUESTS BY DYNAMIC LOAN TO VALUE RATIO6,7% of Accounts
DLVR

14%
15%

status will continue to age
33%

38%

0 - 60%61% - 80%
81% - 90%
> 90%

Total
Portfolio
52%
28%
11%
9%

REQUESTS BY STATE% of Accounts
10%19%

14%
26%
31%

Total
Portfolio
QLD
18%
NSW
25%
VIC
30%
WA
14%
Other States
13%STATE

1. Excluding Equity Manager Accounts 2. If the home loan is at least 1 day or more past due, arrears will be capitalised 3. Under the ANZ Breakfree package 4. As at 24 April 2020 5. Unweighted
based on # accounts 6. Includes capitalised LMI premiums, valuations for DLVR updated to Feb-20 where available, includes Non Performing Loans, excludes accounts with a security guarantee, andunknown DLVR. 7. DLVR does not incorporate offset balances, aligning with calculations that produce a portfolio average DLVR of 56%

4

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

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

Harsh Vardhan

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

Mary Makridis

Associate Director
Debt Investor Relations+61 3 8655 4318
mary.makridis@anz.com

DISCLAIMER & IMPORTANT NOTICE: The material in this presentation is general background information about the Bank’s activities current at the date ofthe presentation. It is information given in summary 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 beconsidered, 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’sbusiness 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 toANZ and its management, are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-lookingstatements, 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 to reflect the occurrence of unanticipated events.

5