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Australia (Including Non-Capital Market Issuance) RMBS Arrears Statistics Australia (Including Non-Capital Market Issuance) At November 30, 2020 RMBS Performance Watch | Australia at November 30, 2020 Arrears Statistics - Prime Australia Prime S&P Global Ratings Mortgage Performance Index (SPIN) 5.00% 200.0 4.50% 4.00% 160.0 (Bil. A$) 3.50% 3.00% 120.0 2.50% 2.00% 80.0 1.50% 1.00% 40.0 0.50% 0.00% 0.0 Apr-96 Oct-96 Apr-97 Oct-97 Apr-98 Oct-98 Apr-99 Oct-99 Apr-00 Oct-00 Apr-01 Oct-01 Apr-02 Oct-02 Apr-03 Oct-03 Apr-04 Oct-04 Apr-05 Oct-05 Apr-06 Oct-06 Apr-07 Oct-07 Apr-08 Oct-08 Apr-09 Oct-09 Apr-10 Oct-10 Apr-11 Oct-11 Apr-12 Oct-12 Apr-13 Oct-13 Apr-14 Oct-14 Apr-15 Oct-15 Apr-16 Oct-16 Apr-17 Oct-17 Apr-18 Oct-18 Apr-19 Oct-19 Apr-20 Oct-20 31-60 days 61-90 days 90+ days TCLB(Total current loan balance) Metrics (%) Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 31-60 days 0.34 0.36 0.40 0.40 0.44 0.47 0.33 0.29 0.23 0.23 0.24 0.33 61-90 days 0.19 0.22 0.22 0.23 0.20 0.22 0.25 0.19 0.17 0.14 0.13 0.16 90+ days 0.76 0.78 0.79 0.79 0.71 0.71 0.72 0.76 0.78 0.75 0.70 0.68 Prime SPIN 1.28 1.36 1.41 1.41 1.34 1.40 1.30 1.24 1.17 1.12 1.07 1.16 TCLB (Bil. A$) 121.83 119.10 115.88 120.02 130.15 131.91 131.71 130.87 130.29 128.55 130.67 129.20 Copyright © 2021 Standard & Poor’s Financial Services LLC. All rights reserved. Reproduction in whole or in part prohibited except by permission. RMBS Arrears Statistics Australia is subject to the full disclaimer on the inside back cover. S&P Global Ratings 1 RMBS Performance Watch | Australia at November 30, 2020 COVID Hardship Summary* Prime RMBS Average level of COVID-19 arrangements Metrics Value Value Value Sep-20 Oct-20 Nov-20 Major Banks 5.17% 3.18% 2.10% NonBank Originators 3.72% 4.13% 3.85% Regional Banks 7.19% 4.05% 2.89% Other Banks 5.52% 3.73% 2.78% NonBank Financial Institutions 3.43% 3.12% 2.78% Non-Conforming RMBS NonBank Originators 6.93% 4.95% 5.00% Note: Data is based on information available to S&P Global Ratings. * as a % of total loan balances for each securitised trust RMBS--Residential mortgage-backed securities. Source: S&P Global Ratings. 2 RMBS Performance Watch | Australia As of November 30, 2020 Sponsor Classifications The classifications into major bank, regional bank, nonbank financial institution, other bank, and nonbank originator are based on the predominant source of origination within the securitization pools. Following a review of Sponsor classifications, we have reclassified certain sponsors from November 2020. Major Bank Advantedge Financial Services Pty Ltd Westpac Banking Corp. Commonwealth Bank of Australia Ltd. National Australia Bank Ltd. Regional Bank Bank of Queensland Ltd. Suncorp-Metway Ltd. Bendigo and Adelaide Bank Ltd. Other Bank AMP Bank Ltd. IMB Ltd. Arab Bank Australia Ltd. ING Bank (Australia) Ltd. Auswide Bank Ltd. Macquarie Securitisation Ltd. Citigroup Pty Ltd. Members Equity Bank Pty Ltd. Heritage Bank Ltd. MyState Bank Ltd. Police & Nurses Limited Beyond Bank Australia Ltd. Police Financial Services Limited. B&E Ltd. Hume Bank Ltd. Gateway Bank Ltd. Regional Australia Bank Ltd. Maitland Mutual Ltd. HSBC Bank Australia Ltd. Nonbank Financial Institution (NBFI) Australian Central Credit Union Ltd. Newcastle Permanent Building Society Ltd. Queensland Country Credit Union Ltd. Police Credit Union Ltd. Credit Union Australia Ltd. QPCU Ltd. Cuscal Ltd. Illawarra Credit Union Ltd. Holiday Coast Credit Union Ltd. Summerland Financial Services Ltd. Credit Union SA Ltd. Southern Cross Credit Union. Nonbank Originator AIMS Home Loans Pty Ltd. Bluestone Mortgages Pty Ltd. Challenger Mortgage Management Pty Ltd FirstMac Ltd. Columbus Capital Pty Ltd. Fox Symes Home Loans (Services) Pty Ltd. RedZed Lending Solutions Pty Ltd. Pepper HomeLoans Pty Ltd. Homeloans Ltd. RHG Home Loans Pty Ltd. Resimac Ltd. La Trobe Financial Services Pty Ltd. AFG Securities Pty Ltd. Mortgage House of Australia Pty Ltd. BC Securities Pty Ltd. S&P GLOBAL RATINGS 3 RMBS Performance Watch | Australia at November 30, 2020 State Arrears Trend 2.42% Northern 1.32% Territory ↑ 0.20% Western Queensland Australia 2.20% ↑ 0.07% ↑ 0.06% South 1.21% Australia ↑ 0.06% 1.27% New South Wales 0.64% 1.16% ↑ 0.15% Australian Victoria Capital 1.32% Territory ↑ 0.10% AUSTRALIA’S ↓ -0.03% PRIME SPIN Tasmania 0.78% Data as of November 2020. Source: S&P Global Ratings. ↓ -0.07% 30+ Arrears By State June 2020 July 2020 August 2020 September 2020 October 2020 November 2020 New South Wales 1.31% 1.23% 1.16% 1.16% 1.12% 1.27% Victoria 1.33% 1.30% 1.26% 1.27% 1.22% 1.32% Queensland 1.56% 1.47% 1.39% 1.28% 1.25% 1.32% Western Australia 2.61% 2.56% 2.38% 2.26% 2.14% 2.20% South Australia 1.31% 1.23% 1.28% 1.35% 1.15% 1.21% Tasmania 1.03% 0.89% 0.84% 0.84% 0.84% 0.78% Australian Capital Territory 0.92% 0.86% 0.81% 0.69% 0.67% 0.64% Northern Territory 2.73% 2.59% 3.03% 2.27% 2.22% 2.42% Australia 1.30% 1.24% 1.17% 1.12% 1.07% 1.16% Movement denotes the month-on-month increase (decrease) in 30+ arrears Copyright © 2021 Standard & Poor’s Financial Services LLC. All rights reserved. Reproduction in whole or in part prohibited except by permission. 4 RMBS Performance Watch | Australia at November 30, 2020 Arrears Statistics - Prime Arrears Reported on a Full Doc Basis (Bil. A$) 31-60 days 61-90 days 90+ days TCLB (%) Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL 31-60 days 0.32 0.35 0.39 0.39 0.43 0.46 0.32 0.28 0.22 0.23 0.24 0.32 61-90 days 0.18 0.21 0.21 0.23 0.19 0.22 0.25 0.19 0.17 0.14 0.13 0.16 90+ days 0.74 0.75 0.76 0.76 0.68 0.68 0.69 0.74 0.75 0.72 0.67 0.65 Full Doc SPIN 1.24 1.31 1.36 1.37 1.30 1.35 1.26 1.20 1.14 1.09 1.04 1.13 TCLB (Bil. A$) 120.86 118.16 114.96 119.15 129.25 131.02 130.84 130.02 129.45 127.73 129.86 128.34 Arrears Reported on a LoDoc Basis (Bil. A$) 31-60 days 61-90 days 90+ days TCLB (%) Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL 31-60 days 1.70 1.70 1.37 1.66 1.49 1.82 1.35 1.37 1.22 1.00 1.13 1.50 61-90 days 0.90 0.93 0.85 0.85 1.08 1.17 0.84 0.56 0.53 0.48 0.43 0.43 90+ days 3.95 4.19 4.62 5.05 4.93 5.12 5.31 4.97 4.81 4.65 4.82 4.35 Lo Doc SPIN 6.55 6.82 6.83 7.56 7.50 8.11 7.50 6.90 6.56 6.13 6.38 6.28 TCLB (Bil. A$) 0.97 0.94 0.92 0.86 0.90 0.89 0.87 0.85 0.84 0.82 0.81 0.86 Document Type Comparison Full Doc Lo Doc Prime SPIN (%) Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL Full Doc SPIN 1.24 1.31 1.36 1.37 1.30 1.35 1.26 1.20 1.14 1.09 1.04 1.13 Lo Doc SPIN 6.55 6.82 6.83 7.56 7.50 8.11 7.50 6.90 6.56 6.13 6.38 6.28 Prime SPIN 1.28 1.36 1.41 1.41 1.34 1.40 1.30 1.24 1.17 1.12 1.07 1.16 Full Doc % Prime TCLB 99.21 99.21 99.20 99.28 99.31 99.33 99.34 99.35 99.36 99.36 99.38 99.34 Lo Doc % Prime TCLB 0.79 0.79 0.80 0.72 0.69 0.67 0.66 0.65 0.64 0.64 0.62 0.66 Copyright © 2021 Standard & Poor’s Financial Services LLC. All rights reserved. Reproduction in whole or in part prohibited except by permission.
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