Investor Presentaiton
Sound credit quality
Loan Impairment Expense
CBA Group (bpts)
73
41
1.0%
Home Loan Arrears
90+ days
Bankwest
RBS
ASB
0.0%
Jun 13
Dec 13 Jun 14 Dec 14 Jun 15
Dec 15
Troublesome and Impaired Assets
$bn
Group Impaired
9.5
8.2
Commercial troublesome
25
45
7.0
4.3
6.5
21
20
6.0
5.9
20
3.9
16 16
17
3.4
3.4
2.9
2.8
5.2
4.3
3.6
3.1
3.1
3.1
FY09 FY10 FY11 FY12
Pro Forma
FY13 FY14 FY15 1H16
Jun 13 Dec 13
Jun 14
Dec 14
Jun 15
Dec 15
LIE (Loan Impairment Expense): Basis points calculated as a percentage of average Gross Loans and Acceptances (GLA).
FY09 includes Bankwest on a pro-forma basis and is based on impairment expense for the year. Statutory Loan Impairment
1 Expense for FY 10 48 bpts, FY 13 21 bpts and FY14.16 bpts. Consumer Home Loan Arrears excl. Sta Ritory Lean Impair,
Commonwealth Portfolio Loan (RBS only) and Residential Mortgage Group (RBS only) loans.
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