Australian Housing Dynamics and Affordability

EXPENSES CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS FY19 EXPENSE DRIVERS $m 8,563 136 -259 Includes Personnel & Property productivity (net of $160m inflation) -48 -1.6% 0% 170 8,562 Includes Regulatory & Compliance $125m FY18 FX BAU D&A Investment FY19 ANZ 50

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