An unused capacity of $5.3 million on a revolving

credit facility provided to A2 Milk.

Raising Tier 2 Capital through the issuance of

subordinated notes approved by APRA

Entering an underwriting agreement for a company

preparing to list on the ASX

Profits retained from regular banking operations

Acquiring 20-year Treasury bonds issued by the

Australian Government

Issuing Eurobonds in European capital markets to raise

funds from international investors.

Investing in upgrades to the bank’s digital

infrastructure

Entering into an interest rate swap agreement with an

exporter based in Perth.

Letter of Credit issued to an equipment importer based

in Brisbane

Lending a $500 million commercial loan to a medium-sized enterprise.