Based on Level 2 - Reporting Consolidated Group.
Capital Disclosure Template for the year ended 30 June 2023
| Common Equity Tier 1 capital: instruments and reserves | A$m | |
| 2 | Retained earnings | 1,131.5 |
| 3 | Accumulated other comprehensive income (and other reserves) | 571.9 |
| 6 | Common Equity Tier 1 capital before regulatory adjustments | 1,703.4 |
| Common Equity Tier 1 capital: regulatory adjustments | ||
| 11 | Cash-flow hedge reserve | 10.2 |
| 26 | National specific regulatory adjustments (sum of rows 26d, 26e, 26f and 26j) | 92.9 |
| 26d | of which: equity investments in financial institutions not reported in rows 18, 19 and 23 | 1.2 |
| 26e | of which: deferred tax assets not reported in rows 10, 21 and 25 | 46.1 |
| 26f | of which: capitalised expenses | 44.3 |
| 26j | of which: other national specific regulatory adjustments not reported in rows 26a to 26i | 1.3 |
| 28 | Total regulatory adjustments to Common Equity Tier 1 | 103.1 |
| 29 | Common Equity Tier 1 Capital (CET1) | 1,600.3 |
| 44 | Additional Tier 1 capital (AT1) | - |
| 45 | Tier 1 Capital (T1=CET1+AT1) | 1,600.3 |
| Tier 2 Capital: instruments and provisions | ||
| 50 | Provisions | 23.4 |
| 51 | Tier 2 Capital before regulatory adjustments | 23.4 |
| Tier 2 Capital: regulatory adjustments | ||
| 57 | Total regulatory adjustments to Tier 2 capital | - |
| 58 | Tier 2 capital (T2) | 23.4 |
| 59 | Total capital (TC=T1+T2) | 1,623.7 |
| 60 | Total risk-weighted assets based on APRA standards | 7,415.3 |
| Capital ratios and buffers | ||
| 61 | Common Equity Tier 1 (as a percentage of risk-weighted assets) | 21.58% |
| 62 | Tier 1 (as a percentage of risk-weighted assets) | 21.58% |
| 63 | Total capital (as a percentage of risk-weighted assets) | 21.90% |
| 64 | Buffer requirement (minimum CET1 requirement of 4.5% plus capital conservation buffer of 2.5% plus any countercyclical buffer requirements expressed as a percentage of risk-weighted assets) | 8.00% |
| 65 | of which: capital conservation buffer requirement | 2.50% |
| 66 | of which: ADI-specific countercyclical buffer requirements | 1.00% |
| 68 | Common Equity Tier 1 available to meet buffers (as a percentage of risk-weighted assets) | 13.58% |
| Applicable caps on the inclusion of provisions in Tier 2 | ||
| 76 | Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap) | 23.4 |
| 77 | Cap on inclusion of provisions in Tier 2 under standardised approach | 84.2 |