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Australia and New Zealand Banking Group Ltd.
Prospectus • Mar 27, 2025
10425_prs_2025-03-27_777256fd-a4c2-44a0-9927-276518db1c72.pdf
Prospectus
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Supplementary Prospectus Dated 25 March 2025
Australia and New Zealand Banking Group Limited
Australian Business Number 11 005 357 522 (Incorporated with limited liability in Australia and registered in the State of Victoria) as Issuer
US\$30,000,000,000 ANZ Global Covered Bond Programme
unconditionally and irrevocably guaranteed as to payments of interest and principal by
Perpetual Corporate Trust Limited
Australian Business Number 99 000 341 533 (incorporated with limited liability in Australia) as Trustee of the ANZ Residential Covered Bond Trust
This supplementary prospectus (the "Supplement") to the base prospectus of Australia and New Zealand Banking Group Limited ("ANZBGL") dated 15 May 2024, as supplemented by the supplementary prospectuses dated 19 June 2024, 2 August 2024, 9 August 2024, 27 August 2024, 8 November 2024, 9 December 2024 and 20 February 2025 (the "Base Prospectus"), constitutes a supplementary prospectus for the purposes of Article 23 of Regulation (EU) 2017/1129 as it forms part of UK domestic law by virtue of the European Union (Withdrawal) Act 2018, as amended (the "EUWA") (the "UK Prospectus Regulation") and is prepared in connection with the US\$30,000,000,000 ANZ Global Covered Bond Programme established by ANZBGL.
This Supplement has been approved by the United Kingdom Financial Conduct Authority (the "FCA"), as competent authority under the UK Prospectus Regulation. The FCA only approves this Supplement as meeting the standards of completeness, comprehensibility and consistency imposed by the UK Prospectus Regulation and such approval should not be considered as an endorsement of the Issuer nor as an endorsement of the quality of any Covered Bonds that are the subject of the Base Prospectus. Investors should make their own assessment as to the suitability of investing in any such Covered Bonds.
The purpose of this Supplement is to update the Base Prospectus following changes to the Receivables in the portfolio as currently set out in the Pool Summary Report in Annex A to the Base Prospectus.
Terms defined in the Base Prospectus have the same meaning when used in this Supplement. This Supplement is supplemental to, and should be read and construed together with, the Base Prospectus. ANZBGL accepts responsibility for the information contained in this Supplement and to the best of the knowledge of ANZBGL, the information contained in this Supplement is in accordance with the facts and this Supplement makes no omission likely to affect its import.
Pool Summary Report
By virtue of this Supplement, the information set out in Annex A to this Supplement shall be deemed to update the Pool Summary Report in Annex A to the Base Prospectus.
A copy of this Supplement has been filed with the National Storage Mechanism and will be available for inspection at https://data.fca.org.uk/#/nsm/nationalstoragemechanism. To the extent that there is any inconsistency between any statement contained in this Supplement and any other statement contained in the Base Prospectus or in any information or document incorporated by reference into, and forming part of, the Base Prospectus, the statements contained in this Supplement will prevail. Save as disclosed in this Supplement, no other significant new factor, material mistake or inaccuracy relating to information included in the Base Prospectus has arisen or been noted, as the case may be, since the publication of the Base Prospectus.
ANNEX A POOL SUMMARY REPORT
The statistical and other information contained in this Prospectus has been compiled by reference to the Purchased Receivables as at 28 February 2025 (the "Cut-off Date"). Except as otherwise indicated, these tables have been prepared using the principal balance as at the Cut-off Date, which includes all principal and accrued interest for the Purchased Receivables as at the Cut-off Date and as at the date of this Supplement may no longer be a true reflection of the Purchased Receivables.
If the characteristics of the Purchased Receivables as at the relevant Issue Date differ materially from the characteristics of the Purchased Receivables as at the Cut-off Date, the Issuer expects to provide a supplement to this Prospectus. However, it should be noted that Receivables may be removed from the Purchased Receivables in the event that any such Receivables are repaid in full or do not comply with the terms of the Mortgage Sale Agreement on the relevant Transfer Date. The Seller may also choose, in certain circumstances, to repurchase any of the Receivables in accordance with the terms of the Mortgage Sale Agreement. Additionally, New Receivables may be sold into the portfolio from time to time. Any such sales will be made in accordance with the Mortgage Sale Agreement and subject to compliance with the Representations and Warranties. This information is provided for information purposes only.
The tables below show details of the Receivables included in the portfolio and stratify the portfolio by reference to a Receivable. Columns stating percentage amounts may not add up to 100 per cent due to rounding.
| Dates | |
|---|---|
| Collection Period End Date: | 28 February 2025 |
| Determination Date: | 20 March 2025 |
| Trust Payment Date: | 24 March 2025 |
| Date of Report: | 24 March 2025 |
| Note: In this Investor Report, the ACT and Stat table of Pool Composition as at the Trust Payment Date & Loan Balances as at Calection Period End Date. | |
| Portfolio Cut-off Date | 28 Feb 2025 | |
|---|---|---|
| Current Aggregate Principal Balance | S | 20,863,474,936 |
| Number of Loans (Unconsolidated) | 63.602 | |
| Number of Loans (Consolidated) | 54.898 | |
| Average Loan Size (Consolidated) | S | 380.041 |
| Maximum Loan Balance (Consolidated) | S | 2.000.000 |
| Weighted Average Consolidated Current Loan to Value Ratio (LVR) | 60.21% | |
| Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) | 55.70% | |
| Weighted Average Interest Rate | 6.14% | |
| Weighted Average Seasoning (Months) | 42.55 | |
| Weighted Average Remaining Term (Months) | 309.57 |
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||
|---|---|---|---|---|---|
| up to and including 40.00% | 17,248 | 27.12% | S | 3,259,432,827 | 15.62% |
| > 40.00% up to and including 45.00% | 3,022 | 4 75% | S | 866,788,325 | 4 15% |
| > 45.00% up to and including 50.00% | 3,512 | 5.52% | 3 | 1,100,091,359 | 5.27% |
| > 50.00% up to and including 55.00% | 3,542 | 5.57% | S | 1,161,318,066 | 5.57% |
| > 55.00% up to and including 60.00% | 3,900 | 6.13% | S | 1,342,818,038 | 6.44% |
| > 60.00% up to and including 65.00% | 4,227 | 6.65% | P | 1,528,678,378 | 7.33% |
| > 65.00% up to and including 70.00% | 5.086 | 8.00% | P | 1,948,846,560 | 9.34% |
| > 70.00% up to and including 75.00% | 4.706 | 7.40% | P | 1,858,729,413 | 8.91% |
| > 75.00% up to and including 80.00% | 15,919 | 25.03% | P | 6,996,361,913 | 33.53% |
| > 80.00% up to and including 85.00% | 1,044 | 1.64% | 30 | 386,102,315 | 1.85% |
| > 85.00% up to and including 90.00% | 1,235 | 1.94% | 30 | 367,678,048 | 1.76% |
| > 90.00% up to and including 95.00% | 97 | 0.15% | 0 2 |
29,201,167 | 0.14% |
| > 95.00% up to and including 100.00% | 64 | 0 10% | S | 17,428,526 | 0 08% |
| > 100.00% | |||||
| AA AAA | 100 0001 | AA BAA IW LAAA | 188 8801 |
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||
|---|---|---|---|---|---|
| up to and including 40.00% | 18.072 | 32 92% | S | 3,041,446,175 | 14.58% |
| > 40.00% up to and including 45.00% | 2,931 | 5.34% | S | 1,007,812,895 | 4.83% |
| > 45.00% up to and including 50.00% | 3.447 | 6.28% | S | 1,304,832,753 | 6.25% |
| > 50.00% up to and including 55.00% | 3.575 | 6.51% | S | 1,468,649,344 | 7.04% |
| 55.00% up to and including 60.00% | 4.059 | 7.39% | S | 1,749,426,329 | 8.39% |
| > 60.00% up to and including 65.00% | 4,448 | 8.10% | S | 2,053,916,215 | 9.84% |
| > 65.00% up to and including 70.00% | 4,925 | 8.97% | S | 2.463.416.695 | 11.81% |
| > 70.00% up to and including 75.00% | 5.269 | 9.60% | S | 2,833,784,368 | 13.58% |
| > 75.00% up to and including 80.00% | 7.633 | 13.90% | S | 4.648,099.172 | 22.28% |
| > 80.00% up to and including 85.00% | 505 | 0.92% | S | 274,616,432 | 1.32% |
| 85.00% up to and including 90.00% > |
29 | 0.05% | S | 14,500,252 | 0.07% |
| > 90.00% up to and including 95.00% | 5 | 0.01% | S | 2,974,306 | 0.01% |
| > 95.00% up to and including 100.00% | |||||
| > 100.00% | |||||
| Total | 54.898 | 100.00% | 20,863,474,936 | 100.00% |
Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||
|---|---|---|---|---|---|
| up to and including 40.00% | 23,549 | 42.90% | S | 4,631,592,249 | 22.20% |
| > 40.00% up to and including 45.00% | 3.452 | 6.29% | S | 1,334,909,422 | 6.40% |
| > 45.00% up to and including 50.00% | 3.380 | 6.16% | S | 1.437.518.854 | 6.89% |
| > 50.00% up to and including 55.00% | 3.458 | 6 30% | S | 1,592,039,038 | 7 63% |
| 55.00% up to and including 60.00% | 3.670 | 6.69% | S | 1,746,967,824 | 8.37% |
| > 60.00% up to and including 65.00% | 3,936 | 7.17% | S | 2,001,013,980 | 9.59% |
| > 65.00% up to and including 70.00% | 4,089 | 7.45% | S | 2,231,132,367 | 10.69% |
| > 70.00% up to and including 75.00% | 4,038 | 7.36% | S | 2,424,555,036 | 11.62% |
| > 75.00% up to and including 80.00% | 3.631 | 6.61% | S | 2,344,695,604 | 11.24% |
| > 80.00% up to and including 85.00% | 1.561 | 2.84% | S | 1.033.356.570 | 4 95% |
| > 85.00% up to and including 90.00% | 124 | 0.23% | S | 78,683,513 | 0.38% |
| > 90.00% up to and including 95.00% | 10 | 0.02% | S | 7,010,478 | 0.03% |
| > 95.00% up to and including 100.00% | |||||
| > 100.00% | |||||
| T-6-1 | 000 100 | 100 000 | € | 00 002 174 020 | 100 000 |
2 Worlier of the Corner of the Bloor and Comments of Conceller on Polocopes 2010 Mest Company Prices and Property of Creating Collection Collection Collection Collection Coll
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||
|---|---|---|---|---|---|
| up to and including 3.00% | 243 | 0.38% | S | 79,478,834 | 0.38% |
| > 3.00% up to and including 3.25% | 28 | 0.04% | S | 10,298,024 | 0.05% |
| > 3.25% up to and including 3.50% | 8 | 0.01% | S | 2,866,380 | 0.01% |
| > 3.50% up to and including 3.75% | 33 | 0.05% | S | 10,193,043 | 0.05% |
| > 3.75% up to and including 4.00% | 27 | 0.04% | S | 9,755,168 | 0.05% |
| > 4.00% up to and including 4.25% | 12 | 0.02% | S | 3,764,056 | 0.02% |
| > 4.25% up to and including 4.50% | 53 | 0.08% | S | 15,242,147 | 0.07% |
| > 4.50% up to and including 4.75% | 12 | 0.02% | S | 4,324,612 | 0.02% |
| > 4.75% up to and including 5.00% | 32 | 0.05% | S | 12,217,449 | 0.06% |
| > 5.00% up to and including 5.25% | 25 | 0.04% | S | 8,268,972 | 0.04% |
| > 5.25% up to and including 5.50% | 127 | 0.20% | S | 44,909,196 | 0.22% |
| > 5.50% up to and including 5.75% | 1,372 | 2.16% | S | 588,343,766 | 2.82% |
| > 5.75% up to and including 6.00% | 19,542 | 30.73% | S | 8,477,789,225 | 40.63% |
| > 6.00% up to and including 6.25% | 18,348 | 28.85% | S | 5,852,424,908 | 28.05% |
| > 6.25% up to and including 6.50% | 10,515 | 16.53% | S | 3,304,754,224 | 15.84% |
| > 6.50% up to and including 6.75% | 3,038 | 4.78% | S | 861,192,770 | 4.13% |
| > 6.75% up to and including 7.00% | 4,597 | 7.23% | S | 748,364,887 | 3.59% |
| > 7.00% up to and including 7.25% | 1.756 | 2.76% | S | 329,978,929 | 1.58% |
| > 7.25% up to and including 7.50% | 781 | 1.23% | S | 145,108,527 | 0.70% |
| > 7.50% up to and including 7.75% | 2,179 | 3.43% | S | 244,925,797 | 1.17% |
| > 7.75% up to and including 8.00% | 335 | 0.53% | S | 45,578,591 | 0.22% |
| > 8.00% up to and including 8.25% | 227 | 0.36% | S | 41,248,065 | 0.20% |
| > 8.25% up to and including 8.50% | 273 | 0.43% | S | 17,965,262 | 0.09% |
| > 8.50% | 39 | 0.06% | S | 4,482,104 | 0.02% |
| Total | 63,602 | 100.00% | S | 20,863,474,936 | 100.00% |
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||
|---|---|---|---|---|---|
| <= 1 Year Fixed | 787 | 1.24% | 19 | 247.043.662 | 1.18% |
| <= 2 Year Fixed | 600 | 0.94% | S | 210.111.950 | 1.01% |
| <= 3 Year Fixed | 95 | 0.15% | S | 25,795,892 | 0.12% |
| <= 4 Year Fixed | 6 | 0.01% | S | 1.072.688 | 0.01% |
| <= 5 Year Fixed | 2 | 0.00% | S | 306,170 | 0.00% |
| > 5 Year Fixed | |||||
| Total Fixed Rate | 1.490 | 2.34% | S | 484.330.362 | 2.32% |
| Total Variable Rate | 62.112 | 97.66% | 20,379,144,574 | 97 68% | |
| Total | 63.602 | 100.00% | 20,863,474,936 | 100.00% | |
| Mortgage Pool by Consolidated Loan Balance |
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||
|---|---|---|---|---|---|
| up to and including \$100,000 | 8,654 | 15.76% | S | 371,405,867 | 1.78% |
| > \$100,000 up to and including \$200,000 | 7,643 | 13.92% | S | 1,154,099,862 | 5.53% |
| > \$200,000 up to and including \$300,000 | 9,174 | 16.71% | S | 2,301,503,337 | 11.03% |
| > \$300,000 up to and including \$400,000 | 8,360 | 15.23% | S | 2,917,365,092 | 13.98% |
| > \$400,000 up to and including \$500,000 | 6,694 | 12.19% | S | 3,005,028,591 | 14.40% |
| > \$500,000 up to and including \$600,000 | 4,742 | 8.64% | S | 2,591,777,209 | 12.42% |
| > \$600,000 up to and including \$700,000 | 3,081 | 5.61% | S | 1,989,346,734 | 9.54% |
| > \$700,000 up to and including \$800,000 | 1.859 | 3.39% | S | 1,387,797,937 | 6.65% |
| > \$800,000 up to and including \$900,000 | 1.308 | 2.38% | S | 1,107,714,651 | 5.31% |
| > \$900,000 up to and including \$1.00m | 984 | 1.79% | S | 931,938,231 | 4.47% |
| > \$1.00m up to and including \$1.25m | 1,289 | 2.35% | S | 1,430,905,532 | 6.86% |
| > \$1.25m up to and including \$1.50m | 631 | 1.15% | S | 859,669,642 | 4.12% |
| > \$1.50m up to and including \$1.75m | 304 | 0.55% | S | 489,744,831 | 2.35% |
| > \$1.75m up to and including \$2.00m | 175 | 0.32% | S | 325,177,418 | 1.56% |
| > \$2.00m | |||||
| Total | 54 898 | 100 00% | 20 863 474 936 | 100 00% |
| Mortgage Pool by Geographic Distribution | |||||||
|---|---|---|---|---|---|---|---|
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | ||||
| NSW / ACT | 17,108 | 26.90% | S | 6,587,680,039 | 31.58% | ||
| VIC | 20,699 | 32.54% | S | 7.238.392.124 | 34.69% | ||
| TAS | 1,820 | 2.86% | S | 388.386.622 | 1.86% | ||
| QLD | 11,502 | 18.08% | S | 3.353.902.677 | 16.08% | ||
| SA | 5.196 | 8.17% | S | 1,283,366,839 | 6.15% | ||
| WA | 6.862 | 10.79% | S | 1,901,213,971 | 9.11% | ||
| NT | 415 | 0.65% | S | 110,532,664 | 0 53% | ||
| Total | 63.602 | 100.00% | 20,863,474,936 | 100.00% | |||
| Mortgage Pool by Region | |||||||
| Number | (0/. Number | 23 3000 |
| Number | (%) Number | Balance | |||
|---|---|---|---|---|---|
| of Loans | of Loans | Outstanding | (%) Balance Outstanding | ||
| Metro | 44.798 | 70.43% | 16,233,675,333 | 77.81% | |
| Non Metro | 18.804 | 29.57% | 4.629.799.603 | 22.19% | |
| Total | 63.602 | 100.00% | 20.863.474.936 | 100.00% |
Mortgage Pool by State and Region
| Number | (%) Number | Balance | |||
|---|---|---|---|---|---|
| of Loans | of Loans | Outstanding | (%) Balance Outstanding | ||
| NSW / ACT - Metro | 11,655 | 18.32% | S | 5,033,590,048 | 24.13% |
| NSW / ACT - Non Metro | 5,453 | 8.57% | S | 1,554,089,992 | 7.45% |
| VIC - Metro | 16,478 | 25.91% | S | 6,234,776,466 | 29.88% |
| VIC - Non Metro | 4.221 | 6.64% | S | 1,003,615,657 | 4.81% |
| TAS - Metro | 854 | 1.34% | S | 206,424,863 | 0.99% |
| TAS - Non Metro | 966 | 1.52% | S | 181,961,759 | 0.87% |
| QLD - Metro | 5,861 | 9.22% | S | 1,952,185,969 | 9.36% |
| QLD - Non Metro | 5,641 | 8.87% | S | 1,401,716,708 | 6.72% |
| SA - Metro | 3,748 | 5.89% | S | 1,029,295,260 | 4.93% |
| SA - Non Metro | 1,448 | 2.28% | S | 254,071,579 | 1.22% |
| WA - Metro | 5.942 | 9.34% | S | 1.706.125.649 | 8.18% |
| WA - Non Metro | 920 | 1.45% | S | 195,088,322 | 0.94% |
| NT - Metro | 260 | 0.41% | S | 71,277,077 | 0.34% |
| NT - Non Metro | 155 | 0.24% | S | 39,255,587 | 0.19% |
| Total | 63,602 | 100.00% | કે | 20,863,474,936 | 100.00% |
Mortgage Pool by Top 20 Postcodes*
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | |||
|---|---|---|---|---|---|---|
| 3029 (Hoppers Crossing, VIC) | 612 | 0.96% | S | 215,853,865 | 1.03% | |
| 3977 (Botanic Ridge, VIC) | 587 | 0.92% | S | 212,530,315 | 1.02% | |
| 3064 (Craigieburn, VIC) | 546 | 0.86% | S | 193.564.926 | 0.93% | |
| 3030 (Cocoroc, VIC) | 429 | 0.67% | S | 153,002,904 | 0.73% | |
| 3978 (Cardinia, VIC) | 308 | 0.48% | S | 136,748,855 | 0.66% | |
| 2765 (Angus, NSW) | 208 | 0.33% | S | 114,791,939 | 0.55% | |
| 2170 (Casula, NSW) | 297 | 0.47% | S | 106,232,786 | 0.51% | |
| 3150 (Brandon Park, VIC) | 172 | 0.27% | S | 93,824,534 | 0.45% | |
| 2155 (Beaumont Hills, NSW) | 191 | 0.30% | S | 90,970,540 | 0.44% | |
| 3805 (Fountain Gate, VIC) | 258 | 0.41% | S | 89,893,380 | 0.43% | |
| 2153 (Baulkham Hills, NSW) | 162 | 0.25% | S | 80,343,740 | 0.39% | |
| 2570 (Belimbla Park, NSW) | 183 | 0.29% | S | 79,744,584 | 0.38% | |
| 3810 (Pakenham, VIC) | 227 | 0.36% | S | 78,996,934 | 0.38% | |
| 2145 (Constitution Hill, NSW) | 207 | 0.33% | S | 78,176,301 | 0.37% | |
| 3806 (Berwick, VIC) | 181 | 0.28% | S | 75,888,155 | 0.36% | |
| 6112 (Armadale, WA) | 239 | 0.38% | S | 72,253,435 | 0.35% | |
| 4209 (Coomera, QLD) | 191 | 0.30% | S | 71,782,787 | 0.34% | |
| 3175 (Bangholme, VIC) | 206 | 0.32% | S | 71,118,469 | 0.34% | |
| 3023 (Burnside, VIC) | 225 | 0.35% | S | 69,125,746 | 0.33% | |
| 4300 (Augustine Heights, QLD) | 181 | 0.28% | S | 67.371.547 | 0 32% | |
| Total | 5.610 | 8.82% | S | 2,152,215,742 | 10.32% | |
| "The suburb name assigned to a certain postode in alphabetical ascending order) included in the Australia Post postood ist. |
Mortgage Pool by Top 20 Statistical Areas (Level 3)
| Number | (%) Number | Balance | |||
|---|---|---|---|---|---|
| of Loans | of Loans | Outstanding | (%) Balance Outstanding | ||
| 21305 (Wyndham, VIC) | 1,289 | 2.03% | S | 457,676,064 | 2.19% |
| 21203 (Casey - South, VIC) | 1,120 | 1.76% | S | 427,835,765 | 2.05% |
| 20904 (Whittlesea - Wallan, VIC) | 871 | 1.37% | S | 291,504,568 | 1.40% |
| 21005 (Tullamarine - Broadmeadows, VIC) | 807 | 1.27% | S | 277,918,451 | 1.33% |
| 21304 (Melton - Bacchus Marsh, VIC) | 869 | 1.37% | S | 270,042,305 | 1.29% |
| 21205 (Monash, VIC) | 513 | 0.81% | S | 252,681,193 | 1.21% |
| 21202 (Casey - North, VIC) | 657 | 1 03% | S | 249,806,758 | 1 20% |
| 11703 (Sydney Inner City, NSW) | 517 | 0.81% | S | 242,183,101 | 1.16% |
| 11602 (Blacktown - North, NSW) | 486 | 0.76% | S | 240,704,169 | 1.15% |
| 20701 (Boroondara, VIC) | 432 | 0.68% | S | 225,805,797 | 1.08% |
| 21101 (Knox, VIC) | 580 | 0.91% | S | 221,265,289 | 1.06% |
| 21204 (Dandenong, VIC) | 624 | 0.98% | S | 220,070,530 | 1.05% |
| 20302 (Geelong, VIC) | 642 | 1.01% | S | 200,168,402 | 0.96% |
| 50502 (Stirling, WA) | 598 | 0.94% | S | 190,704,319 | 0.91% |
| 12602 (Ryde - Hunters Hill, NSW) | 375 | 0.59% | S | 185,501,856 | 0.89% |
| 11501 (Baulkham Hills, NSW) | 344 | 0.54% | S | 184,233,646 | 0.88% |
| 20802 (Glen Eira, VIC) | 409 | 0.64% | S | 182,643,888 | 0.88% |
| 20703 (Whitehorse - West, VIC) | 370 | 0 58% | S | 181,858,055 | 0 87% |
| 21402 (Mornington Peninsula, VIC) | 466 | 0.73% | S | 180,015,061 | 0.86% |
| 11904 (Kogarah - Rockdale, NSW) | 400 | 0.63% | S | 179,297,759 | 0.86% |
| Total | 12.369 | 19.45% | S | 4,861,916,978 | 23.30% |
Mortgage Pool by Payment Type
| Number | (%) Number | Balance | ||
|---|---|---|---|---|
| of Loans | of Loans | Outstanding | (%) Balance Outstanding | |
| P&I | 60.814 | 95.62% | 19.600.495.651 | 93.95% |
| Interest Only | 2.788 | 4.38% | 262.979.285 | 6.05% |
| Total | 63.602 | 100.00% | 20.863.474.936 | 100.00% |
| Mortgage Pool by Documentation Type | |||||
|---|---|---|---|---|---|
| Number | (%) Number | Balance | (%) Balance Outstanding | ||
| of Loans | of Loans | Outstanding | |||
| Full Doc Loans | 63,602 | 100.00% | ક | 20,863,474,936 | 100.00% |
| l ow Doc I oans | |||||
| No Doc I oans | |||||
| Total | 63,602 | 100.00% | S | 20,863,474,936 | 100.00% |
| Mortgage Pool by Remaining Interest Only Period | |||||
| Number | (%) Number | Balance | |||
| of Loans | of Loans | Outstanding | (%) Balance Outstanding | ||
| Amortising Loans | 60,814 | 95.62% | S | 19,600,495,651 | 93.95% |
| Interest Only Loans : > 0 up to and including 1 years | 607 | 0.95% | S | 272,030,297 | 1.30% |
| Interest Only Loans : > 1 up to and including 2 years | 476 | 0.75% | S | 214,823,028 | 1 03% |
| Interest Only Loans : > 2 up to and including 3 years | 606 | 0.95% | S | 268,718,080 | 1.29% |
| Interest Only Loans : > 3 up to and including 4 years | 608 | 0 96% | S | 277,484,972 | 1 33% |
| Interest Only Loans : > 4 up to and including 5 years | 410 | 0.64% | S | 196,572,836 | 0.94% |
| Interest Only Loans : > 5 up to and including 6 years | 7 | 0 01% | S | 3,150,417 | 0.02% |
| Interest Only Loans : > 6 up to and including 7 years | 5 | 0.01% | S | 1,330,581 | 0.01% |
| Interest Only Loans : > 7 up to and including 8 years | 32 | 0 05% | S | 12,995,348 | 0 06% |
| Interest Only Loans : > 8 up to and including 9 years | 21 | 0.03% | S | 9,064,255 | 0.04% |
| Interest Only Loans : > 9 up to and including 10 years | 16 | 0.03% | S | 6,809,471 | 0.03% |
| Interest Only Loans : > 10 years | |||||
| Tota | 63,602 | 100.00% | S | 20,863,474,936 | 100.00% |
Mortgage Pool by Occupancy Status
| Number | (%) Number | Balance | ||
|---|---|---|---|---|
| of Loans | of Loans | Outstanding | (%) Balance Outstanding | |
| Owner Occupied (Full Recourse) | 47.980 | 75.44% | 15.182.141.225 | 72.77% |
| Residential Investment (Full Recourse) | 15.622 | 24.56% | 5.681.333.711 | 27.23% |
| Residential Investment (Limited Recourse) | ||||
| Total | 63.602 | 100.00% | 20.863.474.936 | 100.00% |
| Mortgage Pool by Loan Purpose | ||||||
|---|---|---|---|---|---|---|
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | |||
| Alterations to existing dwelling | 1.428 | 2.25% | S | 261.401.612 | 1.25% | |
| Business / Commercial / Investment | ||||||
| Construction of a dwelling (construction completed) | 2.119 | 3.33% | S | 696,400,660 | 3.34% | |
| Purchase of established dwelling | 19.801 | 31.13% | S | 7.242.457.903 | 34.71% | |
| Purchase of new erected dwelling | 2,029 | 3.19% | 3 | 693.659.387 | 3.32% | |
| Refinancing existing debt from another lender | 21,482 | 33.78% | S | 7.809.608.115 | 37.43% | |
| Refinancing existing debt with ANZ | 9.064 | 14.25% | S | 2,286,374,960 | 10.96% | |
| Other | 7.679 | 12 07% | S | 1.873.572.299 | 8 98% | |
| Total | 63.602 | 100.00% | રે | 20.863.474.936 | 100.00% |
| Mortgage Pool by Loan Seasoning | ||||||
|---|---|---|---|---|---|---|
| Number | (%) Number | Balance | (%) Balance Outstanding | |||
| of Loans | of Loans | Outstanding | ||||
| up to and including 3 months | 485 | 0.76% | S | 259,259,980 | 1.24% | |
| > 3 up to and including 6 months | 2,411 | 3.79% | S | 1,283,346,100 | 6.15% | |
| > 6 up to and including 9 months | 2,743 | 4.31% | S | 1,397,154,190 | 6.70% | |
| > 9 up to and including 12 months | 2,187 | 3.44% | S | 1,082,815,501 | 5.19% | |
| > 12 up to and including 15 months | 2,889 | 4.54% | S | 1,437,947,310 | 6.89% | |
| > 15 up to and including 18 months | 1,970 | 3.10% | S | 920,749,406 | 4.41% | |
| > 18 up to and including 21 months | 1,982 | 3.12% | S | 900,853,008 | 4.32% | |
| > 21 up to and including 24 months | 4,224 | 6.64% | S | 1,645,194,846 | 7.89% | |
| > 24 up to and including 27 months | 3,854 | 6.06% | S | 1,495,836,595 | 7.17% | |
| > 27 up to and including 30 months | 2,943 | 4.63% | S | 1,107,736,847 | 5.31% | |
| > 30 up to and including 33 months | 2,608 | 4.10% | S | 983,435,165 | 4.71% | |
| > 33 up to and including 36 months | 1,360 | 2.14% | S | 515,372,213 | 2.47% | |
| > 36 up to and including 48 months | 6,100 | 9.59% | 69 | 2,074,351,300 | 9.94% | |
| > 48 up to and including 60 months | 4,610 | 7.25% | S | 1,294,651,412 | 6.21% | |
| > 60 up to and including 72 months | 2,001 | 3.15% | S | 490,262,371 | 2.35% | |
| > 72 up to and including 84 months | 1,745 | 2.74% | S | 426,366,836 | 2.04% | |
| > 84 up to and including 96 months | 2,329 | 3.66% | S | 547,682,769 | 263% | |
| > 96 up to and including 108 months | 3,684 | 5.79% | S | 797,458,897 | 3.82% | |
| > 108 up to and including 120 months | 4,043 | 6.36% | S | 806,890,210 | 3.87% | |
| > 120 months | 9,434 | 14.83% | S | 1,396,109,979 | 6 69% | |
| Total | 63.602 | 100.00% | S | 20,863,474,936 | 100.00% |
| Mortgage Pool by Remaining Tenor | Number | (%) Number of Loans |
Balance | (%) Balance Outstanding | |
|---|---|---|---|---|---|
| of Loans | Outstanding | ||||
| up to and including 1 year | 45 | 0.07% | S | 3,210,091 | 0.02% |
| > 1 up to and including 2 years | 69 | 0.11% | S | 700,183 | 0.00% |
| > 2 up to and including 3 years | 116 | 0.18% | S | 2,873,397 | 0.01% |
| > 3 up to and including 4 years | 105 | 0.17% | S | 2,518,326 | 0.01% |
| > 4 up to and including 5 years | 135 | 0.21% | S | 5,381,324 | 0.03% |
| > 5 up to and including 6 years | 142 | 0.22% | છ | 6,490,872 | 0.03% |
| > 6 up to and including 7 years | 166 | 0.26% | S | 9,197,330 | 0.04% |
| > 7 up to and including 8 years | 231 | 0.36% | S | 14,008,201 | 0.07% |
| > 8 up to and including 9 years | 268 | 0.42% | S | 20,232,617 | 0.10% |
| > 9 up to and including 10 years | 309 | 0.49% | S | 26,192,467 | 0.13% |
| > 10 up to and including 15 years | 2,825 | 4.44% | S | 345,878,843 | 1.66% |
| > 15 up to and including 20 years | 10,413 | 16.37% | S | 1,805,610,288 | 8.65% |
| > 20 up to and including 25 years | 13,953 | 21.94% | S | 3,585,124,262 | 17.18% |
| > 25 up to and including 30 years | 34,825 | 54.75% | ક | 15,036,056,735 | 72.07% |
| > 30 years | |||||
| Total | 63 602 | 100 00% | 4 | 20 863 474 936 | 100 00% |
| Mortgage Pool by Delinquencies | ||||||||
|---|---|---|---|---|---|---|---|---|
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | |||||
| Current (0 days) | 63.068 | 99 16% | క్ | 20,643,806,309 | 98 95% | |||
| > 0 days up to and including 30 days | 473 | 0 74% | S | 197.370.223 | 0 95% | |||
| > 30 days up to and including 60 days | 61 | 0.10% | S | 22,298,404 | 0 11% | |||
| > 60 days up to and including 90 days | ||||||||
| > 90 days up to and including 120 days | ||||||||
| > 120 days up to and including 150 days | ||||||||
| > 150 days up to and including 180 days | ||||||||
| > 180 days | ||||||||
| Tota | 63.602 | 100.00% | રે | 20.863.474.936 | 100.00% |
Mortgage Pool by Remaining Term on Fixed Rate Period Number (%) Number Balance (%) Balance Outstanding of Loans of Loans Outstanding 20,379,144,574 Variable Rate Loans ક 97.68% 62.112 97.66% Fixed Rate Loans : > 0 up to and including 3 months 226 0.36% ക 66,399,579 0.32% Fixed Rate Loans : > 3 up to and including 6 months
Fixed Rate Loans : > 6 up to and including 9 months 259 0 41% ఈ ఈ 87,302,465 0 42% 185 0.29% 58,990,910 0.28% Fixed Rate Loans : > 9 up to and including 12 months 117 0.18% છ 34,350,708 0.16% Fixed Rate Loans : > 12 up to and including 15 months
Fixed Rate Loans : > 15 up to and including 18 months 197 0.31% ఈ ఈ 61,672,099 0.30% 179 0.28% 68,748,505 0.33% Fixed Rate Loans : > 18 up to and including 21 months 139 0.22% છ 50,995,988 0.24% Fixed Rate Loans : > 21 up to and including 24 months
Fixed Rate Loans : > 24 up to and including 27 months 85 0.13% ఈ ఈ 28,695,358 0.14% 32 0.05% 0.04% 8,921,985 Fixed Rate Loans : > 27 up to and including 30 months 22 0.03% କ 5,323,224 0.03% Fixed Rate Loans : > 30 up to and including 33 months
Fixed Rate Loans : > 33 up to and including 36 months 18 0.03% ક 4.665.048 0.02% ఈ 23 0.04% 6,885,635 0.03% Fixed Rate Loans : > 36 up to and including 48 months 6 0.01% କ 1,072,688 0.01% Fixed Rate Loans : > 48 up to and including 60 months 2 0.00% କ 306,170 0.00% Fixed Rate Loans : > 60 months Total 63,602 100.00% ક 20,863,474,936 100.00% Mortgage Pool by Payment Frequency
| Number of Loans |
(%) Number of Loans |
Balance Outstanding |
(%) Balance Outstanding | |
|---|---|---|---|---|
| Weekly | 13.764 | 21.64% | 3.743.737.821 | 17.94% |
| Fortnightly | 18.159 | 28.55% | 4.810.066.423 | 23.05% |
| Monthly | 31.679 | 49.81% | 12,309,670,691 | 59.00% |
| Other | ||||
| Total | 63.602 | 100.00% | 20,863,474,936 | 100.00% |