ANZ.NZ Loan Book Classifications FY2016
Quote:
Originally Posted by
Snoopy
One year on and we look at the chances of default for ANZ.NZ mortgages and ANZ.NZ other retail loans.
http://www.anz.co.nz/about-us/media-...r-information/
(page 53 of the ANZ NZ September 30th 2015 Reserve Bank disclosure).
|
For retail mortgages: 30-09-2013 |
For retail mortgages: 30-09-2014 |
For retail mortgages: 30-09-2015 |
Grades 0-3: |
0.2% |
0.2% |
0.2% |
Grades 4: |
0.46% |
0.46% |
0.46% |
Grade 5: |
0.93% |
0.93% |
0.92% |
Grade 6: |
2.11% |
2.04% |
2.02% |
Grade 7,8: |
5.40% |
5.24% |
5.27% |
|
For other retail: 30-09-2013 |
For other retail: 30-09-2014 |
For other retail: 30-09-2015 |
Grades 0-2: |
0.1% |
0.1% |
0.1% |
Grades 3-4: |
0.29% |
0.30% |
0.26% |
Grade 5: |
1.12% |
1.13% |
1.00% |
Grade 6: |
2.67% |
2.60% |
2.39% |
Grade 7,8: |
11.25% |
9.56% |
8.79% |
Overall observation? A continuing small risk reduction from year to year in the higher risk categories (mostly Grade 6 and above).
SNOOPY
One year on and we look at the chances of default for ANZ.NZ mortgages and ANZ.NZ other retail loans.
http://www.anz.co.nz/about-us/media-...r-information/
(The following tables are updated from page 53 of the ANZ NZ September 30th 2016 Reserve Bank disclosure).
|
For retail mortgages: 30-09-2012 |
For retail mortgages: 30-09-2013 |
For retail mortgages: 30-09-2014 |
For retail mortgages: 30-09-2015 |
For retail mortgages: 30-09-2016 |
Grades 0-3: |
0.2% |
0.2% |
0.2% |
0.2% |
0.2% |
Grades 4: |
0.46% |
0.46% |
0.46% |
0.46% |
0.46% |
Grade 5: |
0.93% |
0.93% |
0.93% |
0.92% |
0.92% |
Grade 6: |
2.12% |
2.11% |
2.04% |
2.02% |
2.00% |
Grade 7,8: |
5.35% |
5.40% |
5.24% |
5.27% |
5.13% |
|
For other retail: 30-09-2012 |
For other retail: 30-09-2013 |
For other retail: 30-09-2014 |
For other retail: 30-09-2015 |
For other retail: 30-09-2016 |
Grades 0-2: |
0.1% |
0.1% |
0.1% |
0.1% |
0.1% |
Grades 3-4: |
0.29% |
0.29% |
0.30% |
0.26% |
0.26% |
Grade 5: |
1.10% |
1.12% |
1.13% |
1.00% |
0.99% |
Grade 6: |
2.50% |
2.67% |
2.60% |
2.39% |
2.11% |
Grade 7,8: |
10.07% |
11.25% |
9.56% |
8.79% |
7.86% |
Overall observation? A continuing small risk reduction from year to year in the higher risk categories (mostly Grade 6 and above). Yet despite the reserve bank telling us of the risks of an inflated housing market, ANZ are seeing less risk in their retail mortgages than last year. I find that a bit strange.
SNOOPY