KINGFISHER TRUST 2016-1 — Fund Information / Factsheet 2021

Jun 23, 2021

Level 5, 242 Pitt Street Sydney NSW 2000 Telephone 61 2 8037 0642

ANZ Capel Court Limited ABN 30 004 768 807

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24 June 2021

Kingfisher Trust 2016-1 (ASX code: KIG) Investor Report

ANZ Capel Court Limited (‘the Company’) is the Trust Manager for the Kingfisher Trust 2016-1. In accordance with ASX Listing Rule 3.17, please find the monthly Investor Report.

Authorised for disclosure by Veronica Katz, Manager SCM Trade Services, ANZ Institutional

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ANZ Capel Court Ltd ABN 30 004 768 807 Level 5, 242 Pitt Street Sydney NSW 2000

Kingfisher Trust 2016-1 Investor Report

Reporting Dates
Determination Date: Payment Date: Next Payment Date: Issue Date: Record Date: Current Collection Period: Collection Period Start Date: Collection Period End Date: No. of days in the Collection Period: Current Interest Period: Interest Period Start Date (inclusive): Interest Period End Date (exclusive): No. of days in the Interest Period:						21 Jun 2021 24 Jun 2021 26 Jul 2021 01 Dec 2016 22 Jun 2021 01 May 2021 31 May 2021 31 24 May 2021 24 Jun 2021 31
*Business Days for banks in Melbourne and Sydney, Aus	tralia
Transaction Party List
Trustee: Security Trustee: Servicer: Manager: Liquidity Facility Provider: Bank Account Provider: Swap Facility Provider:				Austr Austr Austr Austr	Perpetual C alia and New Zealand B alia and New Zealand B alia and New Zealand B alia and New Zealand B	orporate Trust Limited P.T. Limited anking Group Limited ANZ Capel Court Ltd anking Group Limited anking Group Limited anking Group Limited
Note Overview
	Bloomberg Ticker	Intex	ISIN	Maturity Date	Rating Agency	Rating
Redraw Notes Class A1 Notes Class A2 Notes Class B Notes Class C Notes Class D Notes Class E Notes Class F Notes	N/A	N/A	N/A	N/A	N/A	N/A
	KINGF Mtge	KFT16001	AU3FN0033510 AU3FN0033528 AU3FN0033536 AU3FN0033544 AU3FN0033551 AU3FN0033569 AU3FN0033577	24 Nov 2048 24 Nov 2048 24 Nov 2048 24 Nov 2048 24 Nov 2048 24 Nov 2048 24 Nov 2048	Moody's / Fitch Moody's / Fitch Moody's Moody's Moody's Moody's Not rated	Aaa(sf)/AAAsf Aaa(sf)/AAAsf Aa1(sf) Aa2(sf) A2(sf) Baa2(sf) Not rated
Interest Summary - Current Interest Period
	Opening Invested Amount	1M BBSW Rate	Margin	Interest Rate	Interest per Certificate	Interest Amount
Redraw Notes Class A1 Notes Class A2 Notes Class B Notes Class C Notes Class D Notes Class E Notes Class F Notes	N/A $547,299,377.79 $45,738,415.81 $31,363,485.12 $9,147,683.16 $7,840,871.28 $5,227,247.50 $5,227,247.54	N/A 0.0100% 0.0100% 0.0100% 0.0100% 0.0100% 0.0100% 0.0100%	N/A 1.0700% 1.6000% 2.2500% 2.7500% 3.7500% 4.7500% 6.0000%	N/A 1.0800% 1.6100% 2.2600% 2.7600% 3.7600% 4.7600% 6.0100%	N/A $2.73 $8.93 $12.54 $15.32 $20.87 $26.42 $33.35	N/A $502,015.98 $62,542.58 $60,200.71 $21,443.17 $25,039.23 $21,132.40 $26,681.88
Total	$651,844,328.20					$719,055.95
Principal Summary
	Opening Invested Amount	Opening Note Factor	Principal per Certificate	Total Principal Amount	Closing Invested Amount	Closing Note Factor
Redraw Notes Class A1 Notes Class A2 Notes Class B Notes Class C Notes Class D Notes Class E Notes Class F Notes	N/A $547,299,377.79 $45,738,415.81 $31,363,485.12 $9,147,683.16 $7,840,871.28 $5,227,247.50 $5,227,247.54	N/A 0.29744531 0.65340594 0.65340594 0.65340594 0.65340594 0.65340594 0.65340594	N/A $53.07 $116.58 $116.58 $116.58 $116.58 $116.58 $116.58	N/A $9,764,658.52 $816,043.34 $559,572.58 $163,208.66 $139,893.15 $93,262.09 $93,262.10	N/A $537,534,719.27 $44,922,372.47 $30,803,912.54 $8,984,474.50 $7,700,978.13 $5,133,985.41 $5,133,985.44	N/A 0.29213843 0.64174818 0.64174818 0.64174818 0.64174818 0.64174818 0.64174818
Total	$651,844,328.20			$11,629,900.44	$640,214,427.76
Note Charge off Summary
	Opening Invested Amount	Opening Carryover Charge offs	Opening Stated Amount	Principal Charge offs Current Collection Period	Reimbursement of Carryover Charge offs	Closing Stated Amount
Redraw Notes Class A1 Notes Class A2 Notes Class B Notes Class C Notes Class D Notes Class E Notes Class F Notes	N/A $547,299,377.79 $45,738,415.81 $31,363,485.12 $9,147,683.16 $7,840,871.28 $5,227,247.50 $5,227,247.54	N/A $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00	N/A $547,299,377.79 $45,738,415.81 $31,363,485.12 $9,147,683.16 $7,840,871.28 $5,227,247.50 $5,227,247.54	N/A $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00	N/A $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00	N/A $537,534,719.27 $44,922,372.47 $30,803,912.54 $8,984,474.50 $7,700,978.13 $5,133,985.41 $5,133,985.44
Total	$651,844,328.20	$0.00	$651,844,328.20	$0.00	$0.00	$640,214,427.76

Page 1 of 12

Pre Even	t of Default Cashflow Waterfall Report
Calculati	on of Total Available Income
(i) (ii) (iii) (iv) (v)	Finance Charge Collections $1,755,353.29 Interestreceived on TrustAccount $2.00 Income on Authorised Investments $0.00 Net Swapreceipt by theTrust (Basis andFixedRate Swap) $0.00 All other amounts in the nature of income not included above $630.11 Available Income $1,755,985.40
Calculati	on of Total Available Income
(i) (ii) (iii)	Available Income $1,755,985.40
	Principal Draw $0.00
	LiquidityDraw $0.00
	Total Available Income $1,755,985.40
Applicati	on of Total Available Income
(i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi) (xii) (xiii) (xiv) (xv) (xvi) (xvii) (xviii) (xix) (xx) (xxi) (xxii) (xxiii) (xxiv)	Payment to Participation Unitholder(first $1.00) $1.00
	Accrual Adjustment to the Seller(to the extent not netted) $0.00
	Senior Fees and Expenses $184,717.27
	(paripassu andrateably)
	(a)Net Swapdue to each Derivative Counterpartyexcludingbreak costs &payments to defaultingcounterparty $380,201.83
	(b)LiquidityFacility- Interest andFees $2,768.11
	Reimbursement of LiquidityDraws $0.00
	(paripassu andrateably)
	(a)Class A1 Note Interest(current & unpaid) $502,015.98
	(b)Redraw NotesInterest (current & unpaid) $0.00
	Class A2 Note Interest(current & unpaid) $62,542.58
	ClassB Note Senior Interest (current & unpaid) $60,200.71
	Class C Note Senior Interest(current & unpaid) $21,443.17
	ClassD Note Senior Interest (current & unpaid) $25,039.23
	Class E Note Senior Interest(current & unpaid) $21,132.40
	ClassF Note Senior Interest (current & unpaid) $26,681.88
	Repayment of Principal Draw $0.00
	Reimbursement of Lossesintheimmediately preceding Collection Period $0.00
	Reinstatement of Carryover Charge-offs $0.00
	ClassB NoteResidual Interest (current & unpaid) $0.00
	Class CNoteResidual Interest (current & unpaid) $0.00
	ClassD NoteResidual Interest (current & unpaid) $0.00
	ClassE NoteResidual Interest (current & unpaid) $0.00
	ClassF NoteResidual Interest (current & unpaid) $0.00
	(paripassu andrateably)
	(a)Anyother amountspayable to the Derivative Counterparty $0.00
	(b)Any otheramounts payable to theLiquidityFacilityProvider $0.00
	Tax Shortfallpayable $0.00
	Tax Amount payable $0.00
	Surplus distributed to the Participation Unitholder $469,241.24
	Total Available Income Applied $1,755,985.40
Facilities	Outstanding
	Principal Draw
	OpeningPrincipal DrawOutstanding $0.00
	Principal Draw Current Period $0.00
	Repayment of Principal DrawCurrentPeriod $0.00
	ClosingPrincipal Draw Outstanding $0.00
	Liquidity Facility
	OpeningLiquidityFacilityLimit $6,518,443.28
	LiquidityFacilityDrawn from Prior Period(s) $0.00
	LiquidityFacilityDraw Current Period $0.00
	Repayment of LiquidityFacility CurrentPeriod $0.00
	ClosingLiquidityFacilityDrawn Balance $0.00
	Reduction in LiquidityFacilityLimit -$116,299.00
	ClosingLiquidityFacilityLimit $6,402,144.28
Total Ava	ilable Principal
(i) (ii) (iii) (iv) (v) (vi) (vii)	Principal Collections $14,851,569.93
	Scheduled Principal Collections $3,276,400.03
	UnscheduledPrincipalCollections $11,575,169.90
	Total Available Income to be applied towards repayment of Principal Draws $0.00
	Total AvailableIncome to be applied towardsreimbursement of lossesfortheimmediately preceding Collection Period $0.00
	Total Available Income to be applied towards reimbursement of Carryover Charge offs $0.00
	SurplusProceedsfrom Redraw Notes $0.00
	Surplus Proceeds upon Issuance of Notes on the ClosingDate $0.00
	Less any amount applied by the ServicertofundRedraws &PermittedFurther Advances during the Collection Period
	(a)Redraws -$2,695,479.02
	(b)PermittedFurther Advances -$526,190.47
	Total Available Principal $11,629,900.44
Applicati	on of Total Available Principal
(i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi)	Reimbursement of Redraws and Permitted Further Advances made bythe Seller $0.00
	Repayment of Redraw Notes $0.00
	Principal Draw $0.00
	Apply Remaining Total Available Principal rateably andparipassu? YES
	Repayment ofthe ClassA1 Notes $9,764,658.52
	Repayment of the Class A2 Notes $816,043.34
	Repayment ofthe ClassB Notes $559,572.58
	Repayment of the Class C Notes $163,208.66
	Repayment ofthe ClassD Notes $139,893.15
	Repayment of the Class E Notes $93,262.09
	Repayment ofthe ClassF Notes $93,262.10
	Surplus distribution to the Residual Unitholder $0.00
	Total Available Principal Applied $11,629,900.44

Page 2 of 12

Note Summary
Redraw Notes(AUD)
OpeningUnpaid Interest Amount	N/A
Interest on Unpaid Interest Amount	N/A
Interest Amount Due - currentperiod	N/A
Total Interest Amount Paid on Payment Date	N/A
ClosingUnpaid Interest Amount	N/A
Initial Invested Amount	N/A
OpeningInvested Amount	N/A
Principal Repayment - currentperiod	N/A
ClosingInvested Amount	N/A
OpeningCarryover Charge offs	N/A
OpeningStated Amount	N/A
Charge offs - currentperiod	N/A
Reimbursement of Charge offs - currentperiod	N/A
ClosingCarryover Charge offs	N/A
ClosingStated Amount	N/A
Class A1 Notes(AUD)
OpeningUnpaid Interest Amount	$0.00
Interest on Unpaid Interest Amount	$0.00
Interest Amount Due - currentperiod	$502,015.98
Total Interest Amount Paid on Payment Date	$502,015.98
ClosingUnpaid Interest Amount	$0.00
Initial Invested Amount	$1,840,000,000.00
OpeningInvested Amount	$547,299,377.79
Principal Repayment - currentperiod	$9,764,658.52
ClosingInvested Amount	$537,534,719.27
OpeningCarryover Charge offs	$0.00
OpeningStated Amount	$547,299,377.79
Charge offs - currentperiod	$0.00
Reimbursement of Charge offs - currentperiod	$0.00
ClosingCarryover Charge offs	$0.00
ClosingStated Amount	$537,534,719.27
Class A2 Notes(AUD)
OpeningUnpaid Interest Amount	$0.00
Interest on Unpaid Interest Amount	$0.00
Interest Amount Due - currentperiod	$62,542.58
Total Interest Amount Paid on Payment Date	$62,542.58
ClosingUnpaid Interest Amount	$0.00
Initial Invested Amount	$70,000,000.00
OpeningInvested Amount	$45,738,415.81
Principal Repayment - currentperiod	$816,043.34
ClosingInvested Amount	$44,922,372.47
OpeningCarryover Charge offs	$0.00
OpeningStated Amount	$45,738,415.81
Charge offs - currentperiod	$0.00
Reimbursement of Charge offs - currentperiod	$0.00
ClosingCarryover Charge offs	$0.00
ClosingStated Amount	$44,922,372.47
Class B Notes(AUD)
OpeningUnpaid Senior Interest Amount	$0.00
Interest on Unpaid Senior Interest Amount	$0.00
Senior Interest Amount Due - currentperiod	$60,200.71
Total Senior Interest Amount Paid on Payment Date	$60,200.71
ClosingUnpaid Senior Interest Amount	$0.00
OpeningUnpaid Residual Interest Amount	$0.00
Interest on Unpaid Residual Interest Amount	$0.00
Residual Interest Amount Due - currentperiod	$0.00
Total Residual Interest Amount Paid on Payment Date	$0.00
ClosingUnpaid Residual Interest Amount	$0.00
Initial Invested Amount	$48,000,000.00
OpeningInvested Amount	$31,363,485.12
Principal Repayment - currentperiod	$559,572.58
ClosingInvested Amount	$30,803,912.54
OpeningCarryover Charge offs	$0.00
OpeningStated Amount	$31,363,485.12
Charge offs - currentperiod	$0.00
Reimbursement of Charge offs - currentperiod	$0.00
ClosingCarryover Charge offs	$0.00
ClosingStated Amount	$30,803,912.54

Page 3 of 12

Note Summary (continued…)
Class C Notes (AUD)
Opening Unpaid Senior Interest Amount	$0.00
Interest on Unpaid Senior Interest Amount	$0.00
Senior Interest Amount Due-current period	$21,443.17
Total Senior Interest Amount Paid on Payment Date	$21,443.17
Closing Unpaid Senior Interest Amount	$0.00
Opening Unpaid Residual Interest Amount	$0.00
Interest on Unpaid Residual Interest Amount	$0.00
Residual Interest Amount Due-current period	$0.00
Total Residual Interest Amount Paid on Payment Date	$0.00
Closing Unpaid Residual Interest Amount	$0.00
Initial Invested Amount	$14,000,000.00
Opening Invested Amount	$9,147,683.16
Principal Repayment-current period	$163,208.66
Closing Invested Amount	$8,984,474.50
Opening Carryover Charge offs	$0.00
Opening Stated Amount	$9,147,683.16
Charge offs-current period	$0.00
Reimbursement of Charge offs-current period	$0.00
Closing Carryover Charge offs	$0.00
Closing Stated Amount	$8,984,474.50
Class D Notes (AUD)
Opening Unpaid Senior Interest Amount	$0.00
Interest on Unpaid Senior Interest Amount	$0.00
Senior Interest Amount Due-current period	$25,039.23
Total Senior Interest Amount Paid on Payment Date	$25,039.23
Closing Unpaid Senior Interest Amount	$0.00
Opening Unpaid Residual Interest Amount	$0.00
Interest on Unpaid Residual Interest Amount	$0.00
Residual Interest Amount Due-current period	$0.00
Total Residual Interest Amount Paid on Payment Date	$0.00
Closing Unpaid Residual Interest Amount	$0.00
Initial Invested Amount	$12,000,000.00
Opening Invested Amount	$7,840,871.28
Principal Repayment-current period	$139,893.15
Closing Invested Amount	$7,700,978.13
Opening Carryover Charge offs	$0.00
Opening Stated Amount	$7,840,871.28
Charge offs-current period	$0.00
Reimbursement of Charge offs-current period	$0.00
Closing Carryover Charge offs	$0.00
Closing Stated Amount	$7,700,978.13
Class E Notes (AUD)
Opening Unpaid Senior Interest Amount	$0.00
Interest on Unpaid Senior Interest Amount	$0.00
Senior Interest Amount Due-current period	$21,132.40
Total Senior Interest Amount Paid on Payment Date	$21,132.40
Closing Unpaid Senior Interest Amount	$0.00
Opening Unpaid Residual Interest Amount	$0.00
Interest on Unpaid Residual Interest Amount	$0.00
Residual Interest Amount Due-current period	$0.00
Total Residual Interest Amount Paid on Payment Date	$0.00
Closing Unpaid Residual Interest Amount	$0.00
Initial Invested Amount	$8,000,000.00
Opening Invested Amount	$5,227,247.50
Principal Repayment-current period	$93,262.09
Closing Invested Amount	$5,133,985.41
Opening Carryover Charge offs	$0.00
Opening Stated Amount	$5,227,247.50
Charge offs-current period	$0.00
Reimbursement of Charge offs-current period	$0.00
Closing Carryover Charge offs	$0.00
Closing Stated Amount	$5,133,985.41
Class F Notes (AUD)
Opening Unpaid Senior Interest Amount	$0.00
Interest on Unpaid Senior Interest Amount	$0.00
Senior Interest Amount Due-current period	$26,681.88
Total Senior Interest Amount Paid on Payment Date	$26,681.88
Closing Unpaid Senior Interest Amount	$0.00
Opening Unpaid Residual Interest Amount	$0.00
Interest on Unpaid Residual Interest Amount	$0.00
Residual Interest Amount Due-current period	$0.00
Total Residual Interest Amount Paid on Payment Date	$0.00
Closing Unpaid Residual Interest Amount	$0.00
Initial Invested Amount	$8,000,000.00
Opening Invested Amount	$5,227,247.54
Principal Repayment-current period	$93,262.10
Closing Invested Amount	$5,133,985.44
Opening Carryover Charge offs	$0.00
Opening Stated Amount	$5,227,247.54
Charge offs-current period	$0.00
Reimbursement of Charge offs-current period	$0.00
Closing Carryover Charge offs	$0.00
Closing Stated Amount	$5,133,985.44

Page 4 of 12

Pool Summary
Collection Period End Date	31 May 2021
Current Aggregate Principal Balance (AUD)	$640,214,427.76
Total Property Value	$1,998,368,890.00
Number of (Eligible) Security Properties	3,768
Number of (Eligible) Debtors	5,723
Number of Loans (Unconsolidated)	3,951
Number of Loans (Consolidated)	3,658
Average Loan Size (Consolidated)	$175,017.61
Maximum Loan Balance (Consolidated)	$1,367,135.58
Weighted Average Consolidated Current Loan to Value Ratio (LVR)	43.71%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR)	36.72%
Maximum Consolidated Current Loan To Value Ratio (LVR)	131.50%
Weighted Average Interest Rate	3.25%
Weighted Average Seasoning (Months)	99.47
Weighted Average Remaining Term (Months)	241.28
Maximum Current RemainingTerm(Months)	297.00

Note: Values reflected in the individual line items on some of the stratification tables may not always sum to the totals noted in those stratification tables due to rounding of values at the individual line item levels.

Prepayment Information*
Prepayment History	1 Month	3 Month	6 month	12 Month	Cumulative
Prepayment History (CPR) Prepayment History (SMM)	14.41% 1.29%	15.82% 1.42%	17.11% 1.55%	16.29% 1.47%	18.41% 1.68%

*CPR is Constant Prepayment Rate, SMM is Single Monthly Mortality.

Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR)

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
upto and including40.00%	2,090	57.14%	$269,629,175.21	42.12%
> 40.00% upto and including45.00%	289	7.90%	$60,806,615.46	9.50%
> 45.00% upto and including50.00%	282	7.71%	$66,279,101.42	10.35%
> 50.00% upto and including55.00%	275	7.52%	$69,852,361.82	10.91%
> 55.00% upto and including60.00%	234	6.40%	$53,503,726.29	8.36%
> 60.00% upto and including65.00%	210	5.74%	$51,039,071.57	7.97%
> 65.00% upto and including70.00%	146	3.99%	$34,363,444.58	5.37%
> 70.00% upto and including75.00%	82	2.24%	$20,340,642.26	3.18%
> 75.00% upto and including80.00%	37	1.01%	$10,633,060.76	1.66%
> 80.00% upto and including85.00%	10	0.27%	$2,919,335.17	0.46%
> 85.00% upto and including90.00%	2	0.05%	$690,088.52	0.11%
> 90.00% upto and including95.00%	0	0.00%	$0.00	0.00%
> 95.00% upto and including100.00%	0	0.00%	$0.00	0.00%
> 100.00%	1	0.03%	$157,804.70	0.02%
Total	3,658	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*

Number of Loans	Number of Loans	(%) Number of Loans	Balance Outstanding	(%) Balance Outstanding
upto and including40.00%	2,612	71.41%	$392,900,105.00	61.37%
> 40.00% upto and including45.00%	265	7.24%	$60,940,364.75	9.52%
> 45.00% upto and including50.00%	230	6.29%	$52,671,191.89	8.23%
> 50.00% upto and including55.00%	163	4.46%	$38,327,039.36	5.99%
> 55.00% upto and including60.00%	143	3.91%	$34,429,067.08	5.38%
> 60.00% upto and including65.00%	83	2.27%	$19,541,310.52	3.05%
> 65.00% upto and including70.00%	60	1.64%	$15,016,191.53	2.35%
> 70.00% upto and including75.00%	34	0.93%	$9,052,846.25	1.41%
> 75.00% upto and including80.00%	23	0.63%	$5,989,360.32	0.94%
> 80.00% upto and including85.00%	11	0.30%	$2,774,834.46	0.43%
> 85.00% upto and including90.00%	14	0.38%	$3,767,378.27	0.59%
> 90.00% upto and including95.00%	3	0.08%	$544,448.46	0.09%
> 95.00% upto and including100.00%	1	0.03%	$420,130.19	0.07%
> 100.00%	16	0.44%	$3,840,159.68	0.60%
Total	3,658	100.00%	$640,214,427.76	100.00%

* Unless otherwise stated, LVRs reported in the table above will be based on quarterly data provided by RP Data using the hedonic index values as at the latest Property Index available to the Trust Manager on each Determination Date falling in March, June, September and December.

Mortgage Pool by Consolidated Loan Balance

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
upto and including$100,000	1,112	30.40%	$50,352,882.64	7.87%
> $100,000.00 upto and including$200,000.00	1,201	32.83%	$180,089,605.34	28.13%
> $200,000.00 upto and including$300,000.00	829	22.66%	$202,403,200.62	31.61%
> $300,000.00 upto and including$400,000.00	332	9.08%	$113,419,224.09	17.72%
> $400,000.00 upto and including$500,000.00	119	3.25%	$52,678,417.85	8.23%
> $500,000.00 upto and including$600,000.00	33	0.90%	$17,681,376.00	2.76%
> $600,000.00 upto and including$700,000.00	17	0.46%	$11,098,830.27	1.73%
> $700,000.00 upto and including$800,000.00	10	0.27%	$7,365,767.67	1.15%
> $800,000.00 upto and including$900,000.00	3	0.08%	$2,594,380.85	0.41%
> $900,000 upto and including$1.00m	0	0.00%	$0.00	0.00%
> $1.00m upto and including$1.25m	1	0.03%	$1,163,606.85	0.18%
> $1.25m upto and including$1.50m	1	0.03%	$1,367,135.58	0.21%
> $1.50m upto and including$1.75m	0	0.00%	$0.00	0.00%
> $1.75m upto and including$2.00m	0	0.00%	$0.00	0.00%
> $2.00m	0	0.00%	$0.00	0.00%
Total	3,658	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Geographic Distribution

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
NSW/ACT	1,021	25.84%	$180,608,475.47	28.21%
VIC	1,277	32.32%	$208,029,345.71	32.49%
TAS	111	2.81%	$10,625,800.42	1.66%
QLD	583	14.76%	$89,584,398.46	13.99%
SA	352	8.91%	$46,984,151.20	7.34%
WA	571	14.45%	$98,514,360.22	15.39%
NT	36	0.91%	$5,867,896.28	0.92%
Total	3,951	100.00%	$640,214,427.76	100.00%

Page 5 of 12

Mortgage Pool by Region

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Metro	2,866	72.54%	$513,320,976.37	80.18%
Non Metro	1,085	27.46%	$126,893,451.39	19.82%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by State and Region

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
NSW/ACT - Metro	677	17.13%	$140,390,406.70	21.93%
NSW/ACT - Non Metro	344	8.71%	$40,218,068.77	6.28%
VIC - Metro	997	25.23%	$176,611,006.80	27.59%
VIC - Non Metro	280	7.09%	$31,418,338.91	4.91%
TAS - Metro	66	1.67%	$6,926,804.42	1.08%
TAS - Non Metro	45	1.14%	$3,698,996.00	0.58%
QLD - Metro	380	9.62%	$65,463,837.56	10.23%
QLD - Non Metro	203	5.14%	$24,120,560.90	3.77%
SA - Metro	257	6.50%	$36,934,487.21	5.77%
SA - Non Metro	95	2.40%	$10,049,663.99	1.57%
WA - Metro	463	11.72%	$82,678,547.33	12.91%
WA - Non Metro	108	2.73%	$15,835,812.89	2.47%
NT - Metro	26	0.66%	$4,315,886.35	0.67%
NT - Non Metro	10	0.25%	$1,552,009.93	0.24%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Top 20 Postcodes*

Number of Loans	Number of Loans	(%) Number of Loans	Balance Outstanding	(%) Balance Outstanding
3029(Hoppers Crossing, VIC)	26	0.66%	$4,081,457.29	0.64%
2035(Maroubra, NSW)	11	0.28%	$3,736,021.26	0.58%
6065(Ashby, WA)	22	0.56%	$3,518,680.15	0.55%
2155(Beaumont Hills, NSW)	13	0.33%	$3,458,257.04	0.54%
3030(Cocoroc, VIC)	23	0.58%	$3,349,921.17	0.52%
6030(Clarkson, WA)	16	0.40%	$3,255,767.81	0.51%
3188(Hampton, VIC)	11	0.28%	$3,209,231.16	0.50%
3064(Craigieburn, VIC)	21	0.53%	$3,079,487.58	0.48%
6164(Atwell, WA)	17	0.43%	$2,956,419.35	0.46%
3810(Pakenham, VIC)	19	0.48%	$2,879,579.80	0.45%
4034(Aspley, QLD)	15	0.38%	$2,748,277.42	0.43%
3193(Beaumaris, VIC)	11	0.28%	$2,698,944.81	0.42%
3930(Kunyung, VIC)	9	0.23%	$2,682,394.83	0.42%
3977(Botanic Ridge, VIC)	20	0.51%	$2,667,447.95	0.42%
6112(Armadale, WA)	16	0.40%	$2,624,138.18	0.41%
6056(Baskerville, WA)	15	0.38%	$2,611,186.26	0.41%
3037(Calder Park, VIC)	17	0.43%	$2,527,156.62	0.39%
2560(Airds, NSW)	13	0.33%	$2,485,793.99	0.39%
6210(Coodanup, WA)	15	0.38%	$2,467,832.85	0.39%
3182(St Kilda, VIC)	11	0.28%	$2,446,805.53	0.38%
Total	321	8.12%	$59,484,801.05	9.29%

*The suburb name assigned to a certain postcode is the first locality name (sorted in alphabetical ascending order) included in the Australia Post postcode list.

Mortgage Pool by Top 20 Statistical Areas (Level 3)

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
50503(Wanneroo, WA)	58	1.47%	$9,754,683.61	1.52%
21402(Mornington Peninsula, VIC)	48	1.21%	$9,414,624.98	1.47%
20801(Bayside, VIC)	34	0.86%	$9,350,379.96	1.46%
50403(Swan, WA)	45	1.14%	$9,058,281.89	1.41%
20701(Boroondara, VIC)	33	0.84%	$8,973,942.27	1.40%
21305(Wyndham, VIC)	56	1.42%	$8,422,747.29	1.32%
21304(Melton - Bacchus Marsh, VIC)	57	1.44%	$8,366,973.85	1.31%
50502(Stirling, WA)	39	0.99%	$8,260,780.76	1.29%
40304(Onkaparinga, SA)	53	1.34%	$7,180,783.23	1.12%
20605(Port Phillip, VIC)	23	0.58%	$6,846,273.64	1.07%
12203(Warringah, NSW)	29	0.73%	$6,742,380.13	1.05%
20904(Whittlesea - Wallan, VIC)	46	1.16%	$6,709,370.55	1.05%
11703(SydneyInner City, NSW)	27	0.68%	$6,709,039.25	1.05%
11802(Eastern Suburbs - South, NSW)	21	0.53%	$6,568,168.05	1.03%
20802(Glen Eira, VIC)	31	0.78%	$6,554,352.61	1.02%
21401(Frankston, VIC)	46	1.16%	$6,529,941.91	1.02%
50705(Rockingham, WA)	37	0.94%	$6,440,366.66	1.01%
20703(Whitehorse - West, VIC)	23	0.58%	$6,412,515.01	1.00%
21105(Yarra Ranges, VIC)	38	0.96%	$6,198,813.64	0.97%
50603(Canning, WA)	41	1.04%	$6,165,833.82	0.96%
Total	785	19.87%	$150,660,253.11	23.53%

Mortgage Pool by Occupancy Status	Mortgage Pool by Occupancy Status	Mortgage Pool by Occupancy Status	Mortgage Pool by Occupancy Status	Mortgage Pool by Occupancy Status
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Owner Occupied (Full Recourse)	3,321	84.05%	$529,626,777.04	82.73%
Residential Investment (Full Recourse)	630	15.95%	$110,587,650.72	17.27%
Residential Investment(Limited Recourse)	0	0.00%	$0.00	0.00%
Total	3,951	100.00%	$640,214,427.76	100.00%
Mortgage Pool by Documentation Type
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Full Doc Loans	3,951	100.00%	$640,214,427.76	100.00%
Low Doc Loans	0	0.00%	$0.00	0.00%
No Doc Loans	0	0.00%	$0.00	0.00%
Total	3,951	100.00%	$640,214,427.76	100.00%

Page 6 of 12

Mortgage Pool by Payment Type

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
P&I	3,924	99.32%	$632,470,500.10	98.79%
Interest Only	27	0.68%	$7,743,927.66	1.21%
Total	3,951	100.00%	$640,214,427.76	100.00%
Mortgage Pool by Remaining Interest Only Period
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
AmortisingLoans	3,924	99.32%	$632,470,500.10	98.79%
Interest OnlyLoans: > 0 upto and including1year	10	0.25%	$3,618,396.89	0.57%
Interest OnlyLoans: > 1 upto and including2years	7	0.18%	$2,152,439.04	0.34%
Interest OnlyLoans: > 2 upto and including3years	3	0.08%	$984,470.40	0.15%
Interest OnlyLoans: > 3 upto and including4years	5	0.13%	$792,749.50	0.12%
Interest OnlyLoans: > 4 upto and including5years	2	0.05%	$195,871.83	0.03%
Interest OnlyLoans: > 5 upto and including6years	0	0.00%	$0.00	0.00%
Interest OnlyLoans: > 6 upto and including7years	0	0.00%	$0.00	0.00%
Interest OnlyLoans: > 7 upto and including8years	0	0.00%	$0.00	0.00%
Interest OnlyLoans: > 8 upto and including9years	0	0.00%	$0.00	0.00%
Interest OnlyLoans: > 9 upto and including10years	0	0.00%	$0.00	0.00%
Interest OnlyLoans: > 10years	0	0.00%	$0.00	0.00%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Mortgage Loan Interest Rate

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
upto and including3.00%	1,328	33.61%	$256,650,950.40	40.09%
> 3.00% upto and including3.25%	517	13.09%	$97,225,072.71	15.19%
> 3.25% upto and including3.50%	298	7.54%	$59,319,107.11	9.27%
> 3.50% upto and including3.75%	1,243	31.46%	$157,396,213.29	24.58%
> 3.75% upto and including4.00%	200	5.06%	$27,703,142.07	4.33%
> 4.00% upto and including4.25%	125	3.16%	$21,164,262.82	3.31%
> 4.25% upto and including4.50%	199	5.04%	$16,225,647.01	2.53%
> 4.50% upto and including4.75%	7	0.18%	$928,181.57	0.14%
> 4.75% upto and including5.00%	34	0.86%	$3,601,850.78	0.56%
> 5.00% upto and including5.25%	0	0.00%	$0.00	0.00%
> 5.25% upto and including5.50%	0	0.00%	$0.00	0.00%
> 5.50% upto and including5.75%	0	0.00%	$0.00	0.00%
> 5.75% upto and including6.00%	0	0.00%	$0.00	0.00%
> 6.00% upto and including6.25%	0	0.00%	$0.00	0.00%
> 6.25% upto and including6.50%	0	0.00%	$0.00	0.00%
> 6.50% upto and including6.75%	0	0.00%	$0.00	0.00%
> 6.75% upto and including7.00%	0	0.00%	$0.00	0.00%
> 7.00% upto and including7.25%	0	0.00%	$0.00	0.00%
> 7.25% upto and including7.50%	0	0.00%	$0.00	0.00%
> 7.50% upto and including7.75%	0	0.00%	$0.00	0.00%
> 7.75% upto and including8.00%	0	0.00%	$0.00	0.00%
> 8.00% upto and including8.25%	0	0.00%	$0.00	0.00%
> 8.25% upto and including8.50%	0	0.00%	$0.00	0.00%
> 8.50%	0	0.00%	$0.00	0.00%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Interest Option

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
<= 1 Year Fixed	138	3.49%	$31,115,639.48	4.86%
<= 2 Year Fixed	69	1.75%	$12,676,256.05	1.98%
<= 3 Year Fixed	48	1.21%	$9,735,992.95	1.52%
<= 4 Year Fixed	0	0.00%	$0.00	0.00%
<= 5 Year Fixed	5	0.13%	$1,089,228.96	0.17%
> 5 Year Fixed	0	0.00%	$0.00	0.00%
Total Fixed Rate	260	6.58%	$54,617,117.44	8.53%
Total Variable Rate	3691	93.42%	$585,597,310.32	91.47%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Loan Purpose

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Alterations to existingdwelling	111	2.81%	$13,683,188.61	2.14%
Business / Commercial / Investment	0	0.00%	$0.00	0.00%
Construction of a dwelling	80	2.02%	$15,508,036.85	2.42%
Purchase of established dwelling	1,042	26.37%	$183,834,683.51	28.71%
Purchase of new erected dwelling	94	2.38%	$16,748,885.26	2.62%
Refinancingexistingdebt from another lender	462	11.69%	$77,357,585.28	12.08%
Refinancingexistingdebt with ANZ	1,554	39.33%	$237,535,892.54	37.10%
Other	608	15.39%	$95,546,155.71	14.92%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Loan Seasoning

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
up to and including 3 months	0	0.00%	$0.00	0.00%
> 3 up to and including 6 months	1	0.03%	$189,775.64	0.03%
> 6 up to and including 9 months	0	0.00%	$0.00	0.00%
> 9 up to and including 12 months	0	0.00%	$0.00	0.00%
> 12 up to and including 15 months	2	0.05%	$446,404.93	0.07%
> 15 up to and including 18 months	0	0.00%	$0.00	0.00%
> 18 up to and including 21 months	0	0.00%	$0.00	0.00%
> 21 up to and including 24 months	1	0.03%	$89,580.76	0.01%
> 24 up to and including 27 months	2	0.05%	$287,015.51	0.04%
> 27 up to and including 30 months	1	0.03%	$246,109.92	0.04%
> 30 up to and including 33 months	0	0.00%	$0.00	0.00%
> 33 up to and including 36 months	0	0.00%	$0.00	0.00%
> 36 up to and including 48 months	3	0.08%	$981,551.48	0.15%
> 48 up to and including 60 months	2	0.05%	$385,307.60	0.06%
> 60 up to and including 72 months	89	2.25%	$20,139,915.26	3.15%
> 72 up to and including 84 months	325	8.23%	$64,111,161.35	10.01%
> 84 up to and including 96 months	1,482	37.51%	$237,298,660.37	37.07%
> 96 up to and including 108 months	774	19.59%	$118,860,958.74	18.57%
> 108 up to and including 120 months	840	21.26%	$127,408,200.87	19.90%
> 120 months	429	10.86%	$69,769,785.33	10.90%
Total	3,951	100.00%	$640,214,427.76	100.00%

Page 7 of 12

Mortgage Pool by Remaining Tenor

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
upto and including1year	4	0.10%	$5,589.80	0.00%
> 1 upto and including2years	8	0.20%	$156,841.97	0.02%
> 2 upto and including3years	26	0.66%	$450,952.42	0.07%
> 3 upto and including4years	19	0.48%	$364,868.08	0.06%
> 4 upto and including5years	19	0.48%	$616,758.91	0.10%
> 5 upto and including6years	37	0.94%	$2,122,041.92	0.33%
> 6 upto and including7years	30	0.76%	$1,992,782.54	0.31%
> 7 upto and including8years	33	0.84%	$1,977,313.65	0.31%
> 8 upto and including9years	19	0.48%	$1,376,253.53	0.21%
> 9 upto and including10years	25	0.63%	$2,059,105.47	0.32%
> 10 upto and including15years	353	8.93%	$37,163,794.55	5.80%
> 15 upto and including20years	1,098	27.79%	$174,842,920.34	27.31%
> 20 upto and including25years	2,280	57.71%	$417,085,204.58	65.15%
> 25 upto and including30years	0	0.00%	$0.00	0.00%
> 30years	0	0.00%	$0.00	0.00%
Total	3,951	100.00%	$640,214,427.76	100.00%

Mortgage Pool by Delinquencies	Mortgage Pool by Delinquencies
Number		(%) Number	Balance	(%) Balance
Current(0 days)	3,884	98.30%	$626,107,354.48	97.80%
> 0 days upto and including30 days	34	0.86%	$7,098,187.49	1.11%
> 30 days upto and including60 days	11	0.28%	$2,271,476.64	0.35%
> 60 days upto and including90 days	2	0.05%	$327,899.47	0.05%
> 90 days upto and including120 days	2	0.05%	$850,170.66	0.13%
> 120 days upto and including150 days	2	0.05%	$452,895.85	0.07%
> 150 days upto and including180 days	1	0.03%	$546,429.98	0.09%
> 180 days	15	0.38%	$2,560,013.19	0.40%
Total	3,951	100.00%	$640,214,427.76	100.00%

Delinquency statistics have been prepared in accordance with APRA’s view of sound practice for the reporting of delinquent loans, including the treatment of loans with hardship as described in APRA Prudential Practice Guide APG 223 (dated February 2017). Reported delinquencies include accounts that are in the serviceability hold out period (i.e. loans in hardship which have commenced making their required monthly payments continue to be reported as delinquent until the customer has maintained full repayments for a period of at least 6 months).

Aggregate Pool Losses and Insurance Claims

	Number of Loans	Balance Outstandin
Current Month
Mortgagee in Possession	0	$0.00
Current (gross) loss pre-mortgage insurance	0	$0.00
Claims on Insurers	0	$0.00
Claims pending	0	$0.00
Claims paid	0	$0.00
Claims reduced	0	$0.00
Claims denied	0	$0.00
Claims met by excess income	0	$0.00
Claims met by other means	0	$0.00
Net Losses	0	$0.00
Cumulative
Mortgagee in Possession	2	$0.00
Current (gross) loss pre-mortgage insurance	1	$90,314.33
Claims on Insurers	1	$27,584.57
Claims pending	0	$0.00
Claims paid	1	$27,584.57
Claims reduced	0	$0.00
Claims denied	0	$0.00
Claims met by excess income	1	$90,314.33
Claims met by other means	0	$0.00
Net Losses	0	$0.00

Mortgage Pool by Payment Frequency

Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Weekly	1,186	30.02%	$168,296,355.08	26.29%
Fortnightly	1,568	39.69%	$228,451,334.75	35.68%
Monthly	1,197	30.30%	$243,466,737.93	38.03%
Total	3,951	100.00%	$640,214,427.76	100.00%

Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%
Mortgage Pool by Mortgage Insurance
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
ANZ Lenders Mortgage Insurance	380	9.62%	$66,060,558.09	10.32%
Genworth Mortgage Insurance CompanyLtd	0	0.00%	$0.00	0.00%
QBE Lenders Mortgage Insurance	0	0.00%	$0.00	0.00%
Other	0	0.00%	$0.00	0.00%
No Lenders Mortgage Insurance	3,571	90.38%	$574,153,869.67	89.68%
Total	3,951	100.00%	$640,214,427.76	100.00%

Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%	Total 3,951 100.00% $640,214,427.76 100.00%
Mortgage Pool by Mortgage Insurance
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
ANZ Lenders Mortgage Insurance	380	9.62%	$66,060,558.09	10.32%
Genworth Mortgage Insurance CompanyLtd	0	0.00%	$0.00	0.00%
QBE Lenders Mortgage Insurance	0	0.00%	$0.00	0.00%
Other	0	0.00%	$0.00	0.00%
No Lenders Mortgage Insurance	3,571	90.38%	$574,153,869.67	89.68%
Total	3,951	100.00%	$640,214,427.76	100.00%

Trust Manager	Sponsor
ANZ Capel Court Ltd	Australia and New Zealand Banking Group Limited
ABN 30 004 768 807	ABN 11 005 357 522
5/242 Pitt Street	Level 9, 833 Collins Street
Sydney NSW 2000	Melbourne VIC 3000
Contacts
Veronica Katz, Manager, SCM Trade Services	John Needham, Head of Capital and Structured Funding, Group Treasury
Phone: 61 2 8937 6952	Phone: 61 2 8037 0670
Email: veronica.katz@anz.com	Email: john.needham@anz.com

DISCLAIMER

This report:

(a) is for information purposes only, is not intended as an offer or solicitation of any financial instrument or product or a recommendation to continue to hold the notes issued by Perpetual Corporate Trust Limited (ABN 99 000 341 533) (“Trustee”) as trustee of the Kingfisher Trust 2016-1 (“Trust”), nor is it the intention of, Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") nor ANZ Capel Court Limited (the "Manager") to create legal relations on the basis of the information contained in it;

(b) does not purport to contain all relevant information and any statement as to any future matter is a present prediction of a possible future outcome, the accuracy of which cannot be guaranteed.

(c) and the information set out in it are confidential and are only for the recipient's information. No part of this document or the information set out in it may be disclosed to any person.

(d) is provided only to investors who have acquired notes issued by the Trustee of the Trust after receiving, reviewing and understanding the offering documents pursuant to which they were issued. Past performance is not a guide to future performance.

ANZ discloses that as contemplated by Article 405 of the Capital Requirements Regulation (which does not take into account any corresponding implementing rules or other measures made in any EEA state) it holds, as at the date of this report, a net economic interest in the securitisation transaction comprised of an interest in randomly selected exposures equivalent to no less than 5% of the aggregate principal balance of the securitised exposures in accordance with Article 405 paragraph (1) sub-paragraph (c).

Page 8 of 12

Article 122a of CRD IV Retention of Interest Report for Kingfisher Trust 2016-1

Closing Date: 01 Dec 2016 Collection Period End Date (CPED): 31 May 2021 Determination Date: 21 Jun 2021

Pool Summary	Pool Summary	Pool Summary
Pool Summary At Closing		AT CPED
Collection Period End Date Current Aggregate Principal Balance (AUD) Total Property Value Number of (Eligible) Security Properties Number of (Eligible) Debtors Number of Loans (Unconsolidated) Number of Loans (Consolidated) Average Loan Size (Consolidated) Maximum Loan Balance (Consolidated) Weighted Average Consolidated Current Loan to Value Ratio (LVR) Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) Maximum Consolidated Current Loan To Value Ratio (LVR) Weighted Average Interest Rate Weighted Average Seasoning (Months) Weighted Average Remaining Term (Months) Maximum Current RemainingTerm(Months)	1 Dec 2016 $100,196,541.04 $239,163,275.00 364 576 407 346 $289,585.38 $1,962,594.73 54.78% 45.82% 89.90% 4.45% 44.77 299.01 347.00	31 May 2021 $27,123,309.40 $80,913,675.00 130 198 140 125 $216,986.48 $1,017,675.10 48.13% 37.42% 77.03% 3.20% 100.12 243.82 291.00

Note: Values reflected in the individual line items on some of the stratification tables may not always sum to the totals noted in those stratification tables due to rounding of values at the individual line item levels.

Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR)

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
upto and including40.00%	50.00%	52.80%	30.92%	34.44%
> 40.00% upto and including45.00%	2.31%	4.80%	4.05%	5.28%
> 45.00% upto and including50.00%	3.47%	7.20%	4.68%	10.82%
> 50.00% upto and including55.00%	6.07%	3.20%	10.02%	4.16%
> 55.00% upto and including60.00%	4.62%	5.60%	7.50%	10.28%
> 60.00% upto and including65.00%	2.02%	8.00%	2.20%	10.16%
> 65.00% upto and including70.00%	3.18%	8.80%	5.43%	12.24%
> 70.00% upto and including75.00%	5.20%	8.00%	7.53%	9.75%
> 75.00% upto and including80.00%	13.29%	1.60%	16.56%	2.86%
> 80.00% upto and including85.00%	5.49%	0.00%	6.60%	0.00%
> 85.00% upto and including90.00%	4.34%	0.00%	4.51%	0.00%
> 90.00% upto and including95.00%	0.00%	0.00%	0.00%	0.00%
> 95.00% upto and including100.00%	0.00%	0.00%	0.00%	0.00%
> 100.00%	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*

(%) Number of Loans on Closing	(%) Number of Loans on Closing	(%) Number of Loans on CPED	(%) Balance Outstanding on Closing	(%) Balance Outstanding on CPED
upto and including40.00%	54.91%	64.00%	44.12%	54.80%
> 40.00% upto and including45.00%	2.60%	7.20%	5.56%	11.66%
> 45.00% upto and including50.00%	7.51%	7.20%	8.75%	11.02%
> 50.00% upto and including55.00%	4.34%	8.80%	5.63%	7.95%
> 55.00% upto and including60.00%	6.65%	4.80%	8.94%	6.50%
> 60.00% upto and including65.00%	4.05%	1.60%	3.56%	1.00%
> 65.00% upto and including70.00%	7.51%	1.60%	9.42%	2.41%
> 70.00% upto and including75.00%	5.49%	1.60%	7.17%	1.53%
> 75.00% upto and including80.00%	4.34%	1.60%	4.13%	1.15%
> 80.00% upto and including85.00%	0.87%	1.60%	0.81%	1.99%
> 85.00% upto and including90.00%	1.73%	0.00%	1.92%	0.00%
> 90.00% upto and including95.00%	0.00%	0.00%	0.00%	0.00%
> 95.00% upto and including100.00%	0.00%	0.00%	0.00%	0.00%
> 100.00%	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

* Unless otherwise stated, LVRs reported in the table above will be based on quarterly data provided by RP Data using the hedonic index values as at the latest Property Index available to the Trust Manager on each Determination Date falling in March, June, September and December.

Mortgage Pool by Consolidated Loan Balance

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
upto and including$100,000	17.05%	29.60%	3.49%	5.65%
> $100,000 upto and including$200,000	24.86%	27.20%	13.22%	18.12%
> $200,000 upto and including$300,000	22.25%	16.00%	19.26%	18.46%
> $300,000 upto and including$400,000	15.32%	12.00%	18.11%	18.89%
> $400,000 upto and including$500,000	7.80%	8.80%	11.92%	17.66%
> $500,000 upto and including$600,000	4.34%	3.20%	8.19%	7.92%
> $600,000 upto and including$700,000	3.47%	0.00%	7.66%	0.00%
> $700,000 upto and including$800,000	1.45%	0.80%	3.81%	2.73%
> $800,000 upto and including$900,000	0.87%	0.80%	2.62%	3.07%
> $900,000 upto and including$1.00m	0.29%	0.00%	0.96%	0.00%
> $1.00m upto and including$1.25m	1.16%	1.60%	4.67%	7.50%
> $1.25m upto and including$1.50m	0.87%	0.00%	4.13%	0.00%
> $1.50m upto and including$1.75m	0.00%	0.00%	0.00%	0.00%
> $1.75m upto and including$2.00m	0.29%	0.00%	1.96%	0.00%
> $2.00m	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Page 9 of 12

Mortgage Pool by Geographic Distribution

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
NSW/ACT	32.68%	32.86%	35.88%	36.89%
VIC	27.03%	21.43%	33.10%	27.50%
TAS	3.69%	3.57%	1.17%	1.45%
QLD	12.29%	15.71%	9.47%	12.22%
SA	9.34%	9.29%	6.50%	6.32%
WA	14.50%	16.43%	13.80%	15.53%
NT	0.49%	0.71%	0.09%	0.09%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Region

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
Metro	75.18%	70.71%	83.98%	80.85%
Non Metro	24.82%	29.29%	16.02%	19.15%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by State and Region

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
NSW/ACT - Metro	25.55%	26.43%	30.90%	32.28%
NSW/ACT - Non Metro	7.13%	6.43%	4.97%	4.61%
VIC - Metro	21.87%	19.29%	30.67%	27.23%
VIC - Non Metro	5.16%	2.14%	2.43%	0.28%
TAS - Metro	1.72%	1.43%	0.60%	0.61%
TAS - Non Metro	1.97%	2.14%	0.57%	0.85%
QLD - Metro	7.62%	6.43%	5.52%	4.64%
QLD - Non Metro	4.67%	9.29%	3.95%	7.58%
SA - Metro	6.88%	5.00%	4.91%	3.14%
SA - Non Metro	2.46%	4.29%	1.59%	3.17%
WA - Metro	11.55%	12.14%	11.37%	12.95%
WA - Non Metro	2.95%	4.29%	2.43%	2.58%
NT - Metro	0.00%	0.00%	0.00%	0.00%
NT - Non Metro	0.49%	0.71%	0.09%	0.09%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Occupancy Status

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
Owner Occupied(Full Recourse)	74.94%	70.71%	74.21%	64.92%
Residential Investment(Full Recourse)	25.06%	29.29%	25.79%	35.08%
Residential Investment(Limited Recourse)	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Documentation Type

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
Full Doc Loans	100.00%	100.00%	100.00%	100.00%
Low Doc Loans	0.00%	0.00%	0.00%	0.00%
No Doc Loans	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Payment Type

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
P&I	85.75%	99.29%	74.24%	97.93%
Interest Only	14.25%	0.71%	25.76%	2.07%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Remaining Interest Only Period

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
AmortisingLoans	85.75%	99.29%	74.24%	97.93%
Interest OnlyLoans: > 0 upto and including1year	5.90%	0.00%	8.09%	0.00%
Interest OnlyLoans: > 1 upto and including2years	4.42%	0.71%	11.41%	2.07%
Interest OnlyLoans: > 2 upto and including3years	2.21%	0.00%	2.56%	0.00%
Interest OnlyLoans: > 3 upto and including4years	0.74%	0.00%	1.75%	0.00%
Interest OnlyLoans: > 4 upto and including5years	0.98%	0.00%	1.96%	0.00%
Interest OnlyLoans: > 5 upto and including6years	0.00%	0.00%	0.00%	0.00%
Interest OnlyLoans: > 6 upto and including7years	0.00%	0.00%	0.00%	0.00%
Interest OnlyLoans: > 7 upto and including8years	0.00%	0.00%	0.00%	0.00%
Interest OnlyLoans: > 8 upto and including9years	0.00%	0.00%	0.00%	0.00%
Interest OnlyLoans: > 9 upto and including10years	0.00%	0.00%	0.00%	0.00%
Interest OnlyLoans: > 10years	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Page 10 of 12

Mortgage Pool by Mortgage Loan Interest Rate	Mortgage Pool by Mortgage Loan Interest Rate	Mortgage Pool by Mortgage Loan Interest Rate	Mortgage Pool by Mortgage Loan Interest Rate	Mortgage Pool by Mortgage Loan Interest Rate
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
upto and including3.00%	0.00%	34.29%	0.00%	40.48%
> 3.00% upto and including3.25%	0.00%	12.86%	0.00%	12.43%
> 3.25% upto and including3.50%	0.00%	13.57%	0.00%	19.54%
> 3.50% upto and including3.75%	0.49%	22.86%	0.59%	15.92%
> 3.75% upto and including4.00%	3.19%	9.29%	6.58%	7.59%
> 4.00% upto and including4.25%	12.29%	2.14%	19.37%	2.81%
> 4.25% upto and including4.50%	29.98%	5.00%	31.76%	1.23%
> 4.50% upto and including4.75%	42.01%	0.00%	33.36%	0.00%
> 4.75% upto and including5.00%	2.46%	0.00%	2.64%	0.00%
> 5.00% upto and including5.25%	9.34%	0.00%	5.62%	0.00%
> 5.25% upto and including5.50%	0.00%	0.00%	0.00%	0.00%
> 5.50% upto and including5.75%	0.25%	0.00%	0.08%	0.00%
> 5.75% upto and including6.00%	0.00%	0.00%	0.00%	0.00%
> 6.00% upto and including6.25%	0.00%	0.00%	0.00%	0.00%
> 6.25% upto and including6.50%	0.00%	0.00%	0.00%	0.00%
> 6.50% upto and including6.75%	0.00%	0.00%	0.00%	0.00%
> 6.75% upto and including7.00%	0.00%	0.00%	0.00%	0.00%
> 7.00% upto and including7.25%	0.00%	0.00%	0.00%	0.00%
> 7.25% upto and including7.50%	0.00%	0.00%	0.00%	0.00%
> 7.50% upto and including7.75%	0.00%	0.00%	0.00%	0.00%
> 7.75% upto and including8.00%	0.00%	0.00%	0.00%	0.00%
> 8.00% upto and including8.25%	0.00%	0.00%	0.00%	0.00%
> 8.25% upto and including8.50%	0.00%	0.00%	0.00%	0.00%
> 8.50%	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Interest Option

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
<= 1 Year Fixed	2.95%	0.71%	2.86%	0.53%
<= 2 Year Fixed	1.47%	1.43%	1.03%	1.41%
<= 3 Year Fixed	0.49%	2.14%	0.39%	2.67%
<= 4 Year Fixed	0.25%	0.00%	0.39%	0.00%
<= 5 Year Fixed	0.00%	2.14%	0.00%	1.58%
> 5 Year Fixed	0.00%	0.00%	0.00%	0.00%
Total Fixed Rate	5.16%	6.43%	4.67%	6.18%
Total Variable Rate	94.84%	93.57%	95.33%	93.82%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Loan Purpose

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
Alterations to existingdwelling	3.44%	5.00%	2.22%	2.83%
Business / Commercial / Investment	0.00%	0.00%	0.00%	0.00%
Construction of a dwelling	2.70%	2.14%	3.73%	0.99%
Purchase of established dwelling	24.32%	26.43%	26.68%	26.22%
Purchase of new erected dwelling	4.42%	4.29%	3.32%	4.85%
Refincingexistingdebt from other lender	15.23%	16.43%	14.44%	19.44%
Refincingexistingdebt with ANZ	26.78%	27.86%	28.66%	31.25%
Other	23.10%	17.86%	20.95%	14.44%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Loan Seasoning

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
upto and including3 months	0.00%	0.00%	0.00%	0.00%
> 3 upto and including6 months	0.00%	0.00%	0.00%	0.00%
> 6 upto and including9 months	0.00%	0.00%	0.00%	0.00%
> 9 upto and including12 months	0.00%	0.00%	0.00%	0.00%
> 12 upto and including15 months	1.72%	0.00%	2.36%	0.00%
> 15 upto and including18 months	1.97%	0.00%	1.66%	0.00%
> 18 upto and including21 months	1.23%	0.00%	1.19%	0.00%
> 21 upto and including24 months	1.72%	0.00%	1.97%	0.00%
> 24 upto and including27 months	0.74%	0.00%	0.55%	0.00%
> 27 upto and including30 months	14.00%	0.00%	8.70%	0.00%
> 30 upto and including33 months	12.53%	0.00%	9.61%	0.00%
> 33 upto and including36 months	7.13%	0.00%	3.52%	0.00%
> 36 upto and including48 months	30.71%	0.00%	38.10%	0.00%
> 48 upto and including60 months	17.69%	0.00%	17.57%	0.00%
> 60 upto and including72 months	8.35%	3.57%	11.45%	3.59%
> 72 upto and including84 months	1.47%	12.14%	2.35%	8.32%
> 84 upto and including96 months	0.49%	41.43%	0.78%	24.07%
> 96 upto and including108 months	0.25%	21.43%	0.19%	38.30%
> 108 upto and including120 months	0.00%	18.57%	0.00%	21.56%
> 120 months	0.00%	2.86%	0.00%	4.15%
Total	100.00%	100.00%	100.00%	100.00%

Page 11 of 12

Mortgage Pool by Remaining Tenor

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
upto and including1year	0.00%	0.00%	0.00%	0.00%
> 1 upto and including2years	0.49%	0.71%	0.03%	0.05%
> 2 upto and including3years	0.49%	1.43%	0.02%	0.12%
> 3 upto and including4years	0.49%	0.71%	0.04%	0.06%
> 4 upto and including5years	0.25%	0.00%	0.02%	0.00%
> 5 upto and including6years	0.49%	1.43%	0.49%	0.17%
> 6 upto and including7years	0.25%	0.00%	0.01%	0.00%
> 7 upto and including8years	1.23%	0.00%	0.35%	0.00%
> 8 upto and including9years	0.25%	0.71%	0.01%	0.10%
> 9 upto and including10years	0.74%	0.71%	0.10%	0.37%
> 10 upto and including15years	1.97%	6.43%	0.64%	2.63%
> 15 upto and including20years	8.11%	20.00%	5.27%	27.05%
> 20 upto and including25years	24.08%	67.86%	29.05%	69.46%
> 25 upto and including30years	61.18%	0.00%	63.97%	0.00%
> 30years	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Delinquencies

	(%) Number of Loans on Closing	(%) Number of Loans on CPED	(%) Balance Outstanding on Closing	(%) Balance Outstanding on CPED
Current(0 days)	97.79%	97.86%	97.70%	97.00%
> 0 days upto and including30 days	2.21%	0.00%	2.30%	0.00%
> 30 days upto and including60 days	0.00%	0.00%	0.00%	0.00%
> 60 days upto and including90 days	0.00%	0.00%	0.00%	0.00%
> 90 days upto and including120 days	0.00%	0.71%	0.00%	0.29%
> 120 days upto and including150 days	0.00%	0.00%	0.00%	0.00%
> 150 days upto and including180 days	0.00%	0.00%	0.00%	0.00%
> 180 days	0.00%	1.43%	0.00%	2.71%
Total	100.00%	100.00%	100.00%	100.00%

Delinquency statistics have been prepared in accordance with APRA’s view of sound practice for the reporting of delinquent loans, including the treatment of loans with hardship as described in APRA Prudential Practice Guide APG 223 (dated February 2017). Reported delinquencies include accounts that are in the serviceability hold out period (i.e. loans in hardship which have commenced making their required monthly payments continue to be reported as delinquent until the customer has maintained full repayments for a period of at least 6 months).

Aggregate Pool Losses and Insurance Claims

Number of Loans	Number of Loans	Balance Outstanding
Current Month
Mortgagee in Possession	0.00	$0.00
Current (gross) loss pre-mortgage insurance	0.00	$0.00
Claims on Insurers	0.00	$0.00
Claims pending	0.00	$0.00
Claims paid	0.00	$0.00
Claims reduced	0.00	$0.00
Claims denied	0.00	$0.00
Claims met by excess income	0.00	$0.00
Claims met by other means	0.00	$0.00
Net Losses	0.00	$0.00
Cumulative
Mortgagee in Possession	1.00	$0.00
Current (gross) loss pre-mortgage insurance	1.00	$11,605.43
Claims on Insurers	1.00	$143,324.81
Claims pending	1.00	$143,324.81
Claims paid	0.00	$0.00
Claims reduced	0.00	$0.00
Claims denied	0.00	$0.00
Claims met by excess income	0.00	$0.00
Claims met by other means	0.00	$0.00
Net Losses	0.00	$0.00

Mortgage Pool by Payment Frequency

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
Weekly	22.60%	27.86%	15.68%	19.06%
Fortnightly	29.24%	31.43%	20.78%	26.26%
Monthly	48.16%	40.71%	63.54%	54.68%
Other	0.00%	0.00%	0.00%	0.00%
Total	100.00%	100.00%	100.00%	100.00%

Mortgage Pool by Mortgage Insurance

(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED	(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
ANZ Lenders Mortgage Insurance	12.04%	10.00%	12.95%	9.73%
Genworth Mortgage Insurance Co	0.00%	0.00%	0.00%	0.00%
QBE Lenders Mortgage Insurance	0.00%	0.00%	0.00%	0.00%
Other	0.00%	0.00%	0.00%	0.00%
No Lenders Mortgage Insurance	87.96%	90.00%	87.05%	90.27%
Total	100.00%	100.00%	100.00%	100.00%

DISCLAIMER

European Union Capital Requirements Regulation retention of interest report for Kingfisher Trust 2016-1

Issue Date: 1 December 2016

As at the Closing Date, Australia and New Zealand Banking Group Limited retained an interest in randomly selected exposures equivalent to no less than 5% of the aggregate principal balance of the securitised exposures in accordance with Article 405(1)(c) of Regulation (EU) No 575/2013 of the European Parliament and Council (the “Capital Requirements Regulation”). Information about that retained interest as at the Collection Period End Date is set out above. Australia and New Zealand Banking Group Limited has not hedged the exposures.

Each investor or prospective investor that is required to comply with the Capital Requirements Rules and similar requirements (including but not limited to Article 17 of the EU Alternative Investment Fund Managers Directive (Directive 2011/61/EU), as supplemented by Section 5 of Chapter III of Commission Delegated Regulation (EU) No 231/2013 and Article 135(2) of the European Union Solvency II Directive 2009/138/EC) is required to independently assess and determine the sufficiency of the information described in this report and in the Information Memorandum generally for the purposes of complying with the Capital Requirements and other similar regulations or directives relevant to that investor or prospective investor and none of the Trustee, Australia and New Zealand Banking Group Limited and each other party to a Transaction Document makes any representation that the information described in this report or in the Information Memorandum is sufficient in all circumstances for such purposes. Investors and prospective investors who are uncertain as to the requirements which apply to them in respect of their relevant jurisdiction, should seek guidance from their regulator.

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