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0.0

2.0

4.0

6.0

8.0

10.0

12.0

-

5

10

15

20

25

30

35

40

45

50

CE

T1

(%

)

CE

T1

($

bn

)

CET1(LHS, $bn)

CET1(RHS, %)

APRACET1 Mininc CCBbufferapplicableto D-SIBs(RHS, %)

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106 8

(67)

(6) (8) (1) (7) (33)

(7) (5) (10)10.4%

10.1%

Dec 17APRA

Dividends(Net of DRP)

CashNPAT

CreditRWA

MarketRWA

IRRBBRWA

UnderlyingOperational

RWA

AUSTRACPenalty

OperationalRWA

Adjustments

ColonialDebt

BoCommCapital

Injection

Other Jun 18APRA

Organic Capital Generation +32 bpts One-off items (52) bpts

1 1 2

Contribution to change in APRA CET1 ratio:

1. Of the $700m total penalty announced 4 June 2018, $375m was provided for in the Dec-17 (1H18) results. The additional $325m (-7bpts) for the AUSTRAC civil penalty has been shown

separately in one-off items.

2. Includes APRA’s requirement to increase operational risk regulatory capital (-28bpts) and movement of Wealth Management Advice business to the regulatory consolidated group (-5bpts)

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