KINGFISHER TRUST 2016-1 — Fund Information / Factsheet 2021

Jan 24, 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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25 January 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 Neil Boncodin, Manager SCM Trade Services, ANZ Institutional

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ANZ Capel Court Limited 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:	20 Jan 2021 25 Jan 2021 24 Feb 2021 01 Dec 2016 21 Jan 2021 01 Dec 2020 31 Dec 2020 31 24 Dec 2020 25 Jan 2021 32
*Business Days for banks in Melbourne and Sydney, Aust	ralia
Transaction Party List
Trustee: Security Trustee: Servicer: Manager: Liquidity Facility Provider: Bank Account Provider: SwapFacilityProvider:	Perpetual Corporate Trust Limited P.T. Limited Australia & New Zealand Banking Group Limited ANZ Capel Court Limited Australia & New Zealand Banking Group Limited Australia & New Zealand Banking Group Limited Australia & New Zealand BankingGroupLimited
Note Overview
	Bloomberg Ticker Intex ISIN Maturity Date Rating Agency Rating
Redraw Notes Class A1 Class A2 Class B Class C Class D Class E Class F	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 Class A2 Class B Class C Class D Class E Class F	N/A 608,048,866.11 $ 50,815,317.91 $ 34,844,789.41 $ 10,163,063.59 $ 8,711,197.35 $ 5,807,464.92 $ 5,807,464.92 $	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 3.13 $ 10.25 $ 14.38 $ 17.57 $ 23.93 $ 30.29 $ 38.25 $	N/A 575,730.65 $ 71,726.17 $ 69,040.42 $ 24,591.83 $ 28,715.93 $ 24,235.43 $ 30,599.77 $
Total	724,198,164.21 $					824,640.20 $
Principal Summary
	Opening Invested Amount Opening Note Factor Principal per Certificate Total Principal Amount Closing Invested Amount Closing Note Factor
Redraw Notes Class A1 Class A2 Class B Class C Class D Class E Class F	N/A 608,048,866.11 $ 50,815,317.91 $ 34,844,789.41 $ 10,163,063.59 $ 8,711,197.35 $ 5,807,464.92 $ 5,807,464.92 $	N/A 0.33046134 0.72593311 0.72593311 0.72593311 0.72593311 0.72593312 0.72593312	N/A 60.20 $ 132.24 $ 132.24 $ 132.24 $ 132.24 $ 132.24 $ 132.24 $	N/A 11,076,945.94 $ 925,712.65 $ 634,774.39 $ 185,142.53 $ 158,693.60 $ 105,795.73 $ 105,795.73 $	N/A 596,971,920.17 $ 49,889,605.26 $ 34,210,015.02 $ 9,977,921.06 $ 8,552,503.75 $ 5,701,669.19 $ 5,701,669.19 $	N/A 0.32444126 0.71270865 0.71270865 0.71270865 0.71270865 0.71270865 0.71270865
Total	724,198,164.21 $			13,192,860.57 $	711,005,303.64 $
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 Class A2 Class B Class C Class D Class E Class F	N/A 608,048,866.11 $ 50,815,317.91 $ 34,844,789.41 $ 10,163,063.59 $ 8,711,197.35 $ 5,807,464.92 $ 5,807,464.92 $	N/A 0.00 $ 0.00 $ 0.00 $ 0.00 $ 0.00 $ 0.00 $ 0.00 $	N/A 608,048,866.11 $ 50,815,317.91 $ 34,844,789.41 $ 10,163,063.59 $ 8,711,197.35 $ 5,807,464.92 $ 5,807,464.92 $	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 596,971,920.17 $ 49,889,605.26 $ 34,210,015.02 $ 9,977,921.06 $ 8,552,503.75 $ 5,701,669.19 $ 5,701,669.19 $
Total	724,198,164.21 $	0.00 $	724,198,164.21 $	0.00 $	0.00 $	711,005,303.64 $

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 1,979,913.03 $ Interest received on Trust Account 5.02 $ Income on Authorised Investments 0.00 $ Net Swapreceipt bythe Trust(Basis and Fixed Rate Swap) 0.00 $ All other amounts in the nature of income not included above 1.72 $ Available Income 1,979,919.77 $
Calculati	on of Total Available Income
(i) (ii) (iii)	Available Income 1,979,919.77 $
	Principal Draw 0.00 $
	LiquidityDraw 0.00 $
	Total Available Income 1,979,919.77 $
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 (xiv)	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 274,754.29 $
	(paripassu and rateably)
	(a)Net Swapdue to each Derivative Counterpartyexcludingbreak costs &payments to defaultingcounterparty 404,515.87 $
	(b)LiquidityFacility- Interest and Fees 3,174.57 $
	Reimbursement of LiquidityDraws 0.00 $
	(paripassu and rateably)
	(a)Class A1 Note Interest(current & unpaid) 575,730.65 $
	(b)Redraw Notes Interest(current & unpaid) 0.00 $
	Class A2 Note Interest(current & unpaid) 71,726.17 $
	Class B Note Senior Interest(current & unpaid) 69,040.42 $
	Class C Note Senior Interest(current & unpaid) 24,591.83 $
	Class D Note Senior Interest(current & unpaid) 28,715.93 $
	Class E Note Senior Interest(current & unpaid) 24,235.43 $
	Class F Note Senior Interest(current & unpaid) 30,599.77 $
	Repayment of Principal Draw 0.00 $
	Reimbursement of Losses in the immediately precedingCollection Period 0.00 $
	Reinstatement of Carryover Charge-offs 0.00 $
	Class B Note Residual Interest(current & unpaid) 0.00 $
	Class C Note Residual Interest(current & unpaid) 0.00 $
	) Class D Note Residual Interest(current & unpaid) 0.00 $
	Class E Note Residual Interest(current & unpaid) 0.00 $
	Class F Note Residual Interest(current & unpaid) 0.00 $
	(paripassu and rateably)
	(a)Anyother amountspayable to the Derivative Counterparty 0.00 $
	(b)Anyother amountspayable to the LiquidityFacilityProvider 0.00 $
	Tax Shortfallpayable 0.00 $
	) Tax Amountpayable 0.00 $
	Surplus distributed to the Participation Unitholder 472,833.84 $
	Total Available Income Applied 1,979,919.77 $
Facilities	Outstanding
	Principal Draw
	OpeningPrincipal Draw Outstanding 0.00 $
	Principal Draw Current Period 0.00 $
	Repayment of Principal Draw Current Period 0.00 $
	ClosingPrincipal Draw Outstanding 0.00 $
	Liquidity Facility
	OpeningLiquidityFacilityLimit 7,241,981.64 $
	LiquidityFacilityDrawn from Prior Period(s) 0.00 $
	LiquidityFacilityDraw Current Period 0.00 $
	Repayment of LiquidityFacilityCurrent Period 0.00 $
	ClosingLiquidityFacilityDrawn Balance 0.00 $
	Reduction in LiquidityFacilityLimit (131,928.60) $
	ClosingLiquidityFacilityLimit 7,110,053.04 $
Total Ava	ilable Principal
(i) (ii) (iii) (iv) (v) (vi) (vii)	Principal Collections 15,954,646.40 $
	Scheduled Principal Collections 3,467,473.87 $
	Unscheduled Principal Collections 12,487,172.53 $
	Total Available Income to be applied towards repayment of Principal Draws 0.00 $
	Total Available Income to be applied towards reimbursement of losses for the immediately precedingCollection Period 0.00 $
	Total Available Income to be applied towards reimbursement of Carryover Charge offs 0.00 $
	Surplus Proceeds from Redraw Notes 0.00 $
	Surplus Proceeds upon Issuance of Notes on the ClosingDate 0.00 $
	Less anyamount applied bythe Servicer to fund Redraws & Permitted Further Advances duringthe Collection Period
	(a)Redraws (2,610,989.87) $
	(b)PermittedFurther Advances (150,795.95) $
	Total Available Principal 13,192,860.58 $
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 of the Class A1 Notes 11,076,945.94 $
	Repayment of the Class A2 Notes 925,712.65 $
	Repayment of the Class B Notes 634,774.39 $
	Repayment of the Class C Notes 185,142.53 $
	Repayment of the Class D Notes 158,693.60 $
	Repayment of the Class E Notes 105,795.73 $
	Repayment of the Class F Notes 105,795.73 $
	Surplus distribution to the Residual Unitholder 0.01 $
	Total Available Principal Applied 13,192,860.58 $

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	$	575,730.65
Total Interest Amount Paid on Payment Date	$	575,730.65
ClosingUnpaid Interest Amount	$	0.00
Initial Invested Amount	$	1,840,000,000.00
OpeningInvested Amount	$	608,048,866.11
Principal Repayment - currentperiod	$	11,076,945.94
ClosingInvested Amount	$	596,971,920.17
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	608,048,866.11
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	596,971,920.17
Class A2 Notes(AUD)
OpeningUnpaid Interest Amount	$	0.00
Interest on Unpaid Interest Amount	$	0.00
Interest Amount Due - currentperiod	$	71,726.17
Total Interest Amount Paid on Payment Date	$	71,726.17
ClosingUnpaid Interest Amount	$	0.00
Initial Invested Amount	$	70,000,000.00
OpeningInvested Amount	$	50,815,317.91
Principal Repayment - currentperiod	$	925,712.65
ClosingInvested Amount	$	49,889,605.26
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	50,815,317.91
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	49,889,605.26
Class B Notes(AUD)
OpeningUnpaid Senior Interest Amount	$	0.00
Interest on Unpaid Senior Interest Amount	$	0.00
Senior Interest Amount Due - currentperiod	$	69,040.42
Total Senior Interest Amount Paid on Payment Date	$	69,040.42
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	$	34,844,789.41
Principal Repayment - currentperiod	$	634,774.39
ClosingInvested Amount	$	34,210,015.02
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	34,844,789.41
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	34,210,015.02

Page 3 of 12

Note Summary (continued…)
Class C Notes(AUD)
OpeningUnpaid Senior Interest Amount	$	0.00
Interest on Unpaid Senior Interest Amount	$	0.00
Senior Interest Amount Due - currentperiod	$	24,591.83
Total Senior Interest Amount Paid on Payment Date	$	24,591.83
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	$	14,000,000.00
OpeningInvested Amount	$	10,163,063.59
Principal Repayment - currentperiod	$	185,142.53
ClosingInvested Amount	$	9,977,921.06
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	10,163,063.59
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	9,977,921.06
Class D Notes(AUD)
OpeningUnpaid Senior Interest Amount	$	0.00
Interest on Unpaid Senior Interest Amount	$	0.00
Senior Interest Amount Due - currentperiod	$	28,715.93
Total Senior Interest Amount Paid on Payment Date	$	28,715.93
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	$	12,000,000.00
OpeningInvested Amount	$	8,711,197.35
Principal Repayment - currentperiod	$	158,693.60
ClosingInvested Amount	$	8,552,503.75
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	8,711,197.35
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	8,552,503.75
Class E Notes(AUD)
OpeningUnpaid Senior Interest Amount	$	0.00
Interest on Unpaid Senior Interest Amount	$	0.00
Senior Interest Amount Due - currentperiod	$	24,235.43
Total Senior Interest Amount Paid on Payment Date	$	24,235.43
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	$	8,000,000.00
OpeningInvested Amount	$	5,807,464.92
Principal Repayment - currentperiod	$	105,795.73
ClosingInvested Amount	$	5,701,669.19
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	5,807,464.92
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	5,701,669.19
Class F Notes(AUD)
OpeningUnpaid Senior Interest Amount	$	0.00
Interest on Unpaid Senior Interest Amount	$	0.00
Senior Interest Amount Due - currentperiod	$	30,599.77
Total Senior Interest Amount Paid on Payment Date	$	30,599.77
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	$	8,000,000.00
OpeningInvested Amount	$	5,807,464.92
Principal Repayment - currentperiod	$	105,795.73
ClosingInvested Amount	$	5,701,669.19
OpeningCarryover Charge offs	$	0.00
OpeningStated Amount	$	5,807,464.92
Charge offs - currentperiod	$	0.00
Reimbursement of Charge offs - currentperiod	$	0.00
ClosingCarryover Charge offs	$	0.00
ClosingStated Amount	$	5,701,669.19

Page 4 of 12

Pool Summary
Collection Period End Date		31 Dec 2020
Current Aggregate Principal Balance (AUD)	$	711,005,304
Total Property Value	$	2,147,008,834
Number of (Eligible) Security Properties		4,049
Number of (Eligible) Debtors		6,136
Number of Loans (Unconsolidated)		4,245
Number of Loans (Consolidated)		3,925
Average Loan Size (Consolidated)	$	181,148
Maximum Loan Balance (Consolidated)	$	1,588,869
Weighted Average Consolidated Current Loan to Value Ratio (LVR)		44.60%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR)		40.15%
Maximum Consolidated Current Loan To Value Ratio (LVR)		134.41%
Weighted Average Interest Rate		3.30%
Weighted Average Seasoning (Months)		94.52
Weighted Average Remaining Term (Months)		246.09
Maximum Current RemainingTerm(Months)		302.00
Pool Summary -(Subset 1: Loans with LRHs due to Covid-19)
Current Aggregate Principal Balance (AUD)	$	6,227,032.70
Percentage Deferrals by balance		0.88%
Number of Deferred Loans (Unconsolidated)		26
Number of Deferred Loans (Consolidated)		26
Percentage of Deferred Loans by number (Consolidated)		0.66%
Average Loan Size (Consolidated)	$	239,501.26
Maximum Loan Balance (Consolidated)	$	459,215.66
Weighted Average Consolidated Current Loan to Value Ratio (LVR)		62.31%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR)		52.98%
Weighted Average Interest Rate		3.10%
Weighted Average Seasoning (Months)		77.85
Weighted Average Remaining Term (Months)		249.70
Owner Occupier/Investment Loan split by balance		87%/13%
P&I / IO split bybalance		100%/%

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.

*From 02 Nov 2020 onwards, this stratification table only provides an overview of all ‘approved’ Covid-19 related loan repayment holidays outstanding as at the reporting date.

Prepayment Information*

Prepayment History 1 Month 3 Month 6 Month 12 Month Cumulative Prepayment History (CPR) 15.04% 15.53% 15.41% 18.87% 18.49% Prepayment History (SMM) 1.35% 1.40% 1.39% 1.73% 1.69%

*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%	2,143	54.60%	278,936,620 $	39.23%
> 40.00% upto and including45.00%	339	8.64%	73,469,473 $	10.33%
> 45.00% upto and including50.00%	310	7.90%	79,311,913 $	11.15%
> 50.00% upto and including55.00%	302	7.69%	75,370,907 $	10.60%
> 55.00% upto and including60.00%	248	6.32%	58,545,313 $	8.23%
> 60.00% upto and including65.00%	235	5.99%	58,490,608 $	8.23%
> 65.00% upto and including70.00%	173	4.41%	41,877,849 $	5.89%
> 70.00% upto and including75.00%	113	2.88%	27,600,970 $	3.88%
> 75.00% upto and including80.00%	44	1.12%	12,080,028 $	1.70%
> 80.00% upto and including85.00%	14	0.36%	3,910,477 $	0.55%
> 85.00% upto and including90.00%	3	0.08%	1,249,856 $	0.18%
> 90.00% upto and including95.00%	0	0.00%	- $	0.00%
> 95.00% upto and including100.00%	0	0.00%	- $	0.00%
> 100.00%	1	0.03%	161,290 $	0.02%
Total	3,925	100.00%	711,005,304 $	100.00%

Mortgage Pool by Consolidated Current Indexed 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%	2,549	64.94%	378,960,907 $	53.30%
> 40.00% upto and including45.00%	315	8.03%	75,444,205 $	10.61%
> 45.00% upto and including50.00%	266	6.78%	64,908,624 $	9.13%
> 50.00% upto and including55.00%	217	5.53%	49,876,046 $	7.01%
> 55.00% upto and including60.00%	164	4.18%	38,847,375 $	5.46%
> 60.00% upto and including65.00%	133	3.39%	31,733,673 $	4.46%
> 65.00% upto and including70.00%	99	2.52%	24,876,961 $	3.50%
> 70.00% upto and including75.00%	56	1.43%	13,737,237 $	1.93%
> 75.00% upto and including80.00%	43	1.10%	12,002,905 $	1.69%
> 80.00% upto and including85.00%	27	0.69%	6,296,462 $	0.89%
> 85.00% upto and including90.00%	18	0.46%	4,869,043 $	0.68%
> 90.00% upto and including95.00%	9	0.23%	2,092,096 $	0.29%
> 95.00% upto and including100.00%	9	0.23%	2,537,542 $	0.36%
> 100.00%	20	0.51%	4,822,228 $	0.68%
Total	3,925	100.00%	711,005,304 $	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	1,164	29.66%	54,344,596 $	7.64%
>$100,000 upto and including $200,000	1,246	31.75%	187,876,397 $	26.42%
>$200,000 upto and including $300,000	919	23.41%	224,721,509 $	31.61%
>$300,000 upto and including $400,000	372	9.48%	127,828,029 $	17.98%
>$400,000 upto and including $500,000	143	3.64%	63,474,381 $	8.93%
>$500,000 upto and including $600,000	39	0.99%	20,911,151 $	2.94%
>$600,000 upto and including $700,000	23	0.59%	15,040,093 $	2.12%
>$700,000 upto and including $800,000	12	0.31%	8,905,833 $	1.25%
>$800,000 upto and including $900,000	2	0.05%	1,753,707 $	0.25%
>$900,000 upto and including $1.00m	1	0.03%	914,017 $	0.13%
>$1.00m upto and including $1.25m	2	0.05%	2,233,102 $	0.31%
>$1.25m upto and including $1.50m	1	0.03%	1,413,620 $	0.20%
>$1.50m upto and including $1.75m	1	0.03%	1,588,869 $	0.22%
>$1.75m upto and including $2.00m	0	0.00%	- $	0.00%
>$2.00m	0	0.00%	- $	0.00%
Total	3,925	100.00%	711,005,304 $	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	1,089	25.65%	203,101,499 $	28.57%
VIC	1,375	32.39%	229,510,488 $	32.28%
TAS	127	2.99%	12,944,249 $	1.82%
QLD	630	14.84%	99,287,151 $	13.96%
SA	380	8.95%	51,287,786 $	7.21%
WA	603	14.20%	107,351,237 $	15.10%
NT	41	0.97%	7,522,893 $	1.06%
Total	4,245	100.00%	711,005,304 $	100.00%

Page 5 of 12

Mortgage Pool by Region	Mortgage Pool by Region	Mortgage Pool by Region	Mortgage Pool by Region	Mortgage Pool by Region
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Metro	3,085	72.67%	571,804,120 $	80.42%
Non Metro	1,160	27.33%	139,201,183 $	19.58%
Total	4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by State and Region
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
NSW / ACT - Metro	722	17.01%	158,880,577 $	22.35%
NSW / ACT - Non Metro	367	8.65%	44,220,922 $	6.22%
VIC - Metro	1,073	25.28%	194,780,530 $	27.40%
VIC - Non Metro	302	7.11%	34,729,958 $	4.88%
TAS - Metro	78	1.84%	8,631,798 $	1.21%
TAS - Non Metro	49	1.15%	4,312,451 $	0.61%
QLD - Metro	413	9.73%	72,891,639 $	10.25%
QLD - Non Metro	217	5.11%	26,395,512 $	3.71%
SA - Metro	277	6.53%	40,548,449 $	5.70%
SA - Non Metro	103	2.43%	10,739,338 $	1.51%
WA - Metro	493	11.61%	90,720,689 $	12.76%
WA - Non Metro	110	2.59%	16,630,548 $	2.34%
NT - Metro	29	0.68%	5,350,439 $	0.75%
NT - Non Metro	12	0.28%	2,172,455 $	0.31%
Total	4,245	100.00%	711,005,304 $	100.00%

Mortgage Pool by Top 20 Postcodes*

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
3029(Hoppers Crossing,VIC)	29	0.68%	4,270,493 $	0.60%
2155(Beaumont Hills,NSW)	14	0.33%	3,991,444 $	0.56%
2035(Maroubra,NSW)	12	0.28%	3,834,797 $	0.54%
6065(Ashby,WA)	22	0.52%	3,703,410 $	0.52%
6030(Clarkson,WA)	17	0.40%	3,646,330 $	0.51%
3030(Cocoroc,VIC)	25	0.59%	3,579,848 $	0.50%
6164(Atwell,WA)	18	0.42%	3,459,976 $	0.49%
3188(Hampton,VIC)	11	0.26%	3,340,772 $	0.47%
3810(Pakenham,VIC)	20	0.47%	3,167,782 $	0.45%
3064(Craigieburn,VIC)	21	0.49%	3,147,558 $	0.44%
3977(Botanic Ridge,VIC)	22	0.52%	3,076,717 $	0.43%
4034(Aspley, QLD)	16	0.38%	3,074,839 $	0.43%
6112(Armadale,WA)	17	0.40%	3,038,003 $	0.43%
6056(Baskerville,WA)	16	0.38%	2,911,283 $	0.41%
3193(Beaumaris,VIC)	11	0.26%	2,799,296 $	0.39%
3930(Kunyung,VIC)	9	0.21%	2,764,576 $	0.39%
6155(CanningVale,WA)	15	0.35%	2,736,138 $	0.38%
2560(Airds,NSW)	14	0.33%	2,733,261 $	0.38%
3129(Box Hill North,VIC)	8	0.19%	2,722,588 $	0.38%
2756(Bligh Park,NSW)	11	0.26%	2,660,885 $	0.37%
Total	328	7.73%	64,659,997 $	9.09%

*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)	Mortgage Pool by Top 20 Statistical Areas(Level 3)	Mortgage Pool by Top 20 Statistical Areas(Level 3)	Mortgage Pool by Top 20 Statistical Areas(Level 3)	Mortgage Pool by Top 20 Statistical Areas(Level 3)
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
50503(Wanneroo,WA)	59	1.39%	10,425,955 $	1.47%
21402(Mornington Peninsula,VIC)	51	1.20%	10,294,940 $	1.45%
20801(Bayside,VIC)	34	0.80%	10,226,307 $	1.44%
20701(Boroondara,VIC)	36	0.85%	9,616,267 $	1.35%
50403(Swan,WA)	48	1.13%	9,553,683 $	1.34%
50502(Stirling,WA)	43	1.01%	9,270,313 $	1.30%
21305(Wyndham,VIC)	62	1.46%	8,912,799 $	1.25%
21304(Melton - Bacchus Marsh,VIC)	57	1.34%	8,709,065 $	1.22%
11703(SydneyInner City,NSW)	29	0.68%	8,087,881 $	1.14%
40304(Onkaparinga,SA)	57	1.34%	8,029,703 $	1.13%
20904(Whittlesea - Wallan,VIC)	50	1.18%	7,551,353 $	1.06%
50705(Rockingham,WA)	41	0.97%	7,413,802 $	1.04%
20605(Port Phillip,VIC)	26	0.61%	7,370,299 $	1.04%
12203(Warringah,NSW)	31	0.73%	7,325,428 $	1.03%
20802(Glen Eira,VIC)	33	0.78%	7,260,946 $	1.02%
21401(Frankston,VIC)	50	1.18%	7,150,998 $	1.01%
20703(Whitehorse - West,VIC)	24	0.57%	7,059,364 $	0.99%
11802(Eastern Suburbs - South,NSW)	22	0.52%	6,752,213 $	0.95%
50603(Canning,WA)	42	0.99%	6,692,335 $	0.94%
21105(Yarra Ranges,VIC)	39	0.92%	6,689,825 $	0.94%
Total	834	19.65%	164,393,475 $	23.12%
Mortgage Pool by Occupancy Status
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Owner Occupied(Full Recourse)	3,557	83.79%	588,101,842 $	82.71%
Residential Investment(Full Recourse)	688	16.21%	122,903,462 $	17.29%
Residential Investment(Limited Recourse)	0	0.00%	- $	0.00%
Total	4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by Documentation Type
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Full Doc Loans	4,245	100.00%	711,005,304 $	100.00%
Low Doc Loans	0	0.00%	- $	0.00%
No Doc Loans	0	0.00%	- $	0.00%
Total	4,245	100.00%	711,005,304 $	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
P&I	4,217	99.34%	702,870,856 $	98.86%
Interest Only	28	0.66%	8,134,447 $	1.14%
Total	4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by Remaining Interest Only Period
	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
AmortisingLoans	4,217	99.34%	702,870,856 $	98.86%
Interest OnlyLoans : > 0 upto and including1years	10	0.24%	3,498,445 $	0.49%
Interest OnlyLoans : > 1 upto and including2years	6	0.14%	1,778,458 $	0.25%
Interest OnlyLoans : > 2 upto and including3years	3	0.07%	1,168,758 $	0.16%
Interest OnlyLoans : > 3 upto and including4years	6	0.14%	1,472,914 $	0.21%
Interest OnlyLoans : > 4 upto and including5years	3	0.07%	215,872 $	0.03%
Interest OnlyLoans : > 5 upto and including6years	0	0.00%	- $	0.00%
Interest OnlyLoans : > 6 upto and including7years	0	0.00%	- $	0.00%
Interest OnlyLoans : > 7 upto and including8years	0	0.00%	- $	0.00%
Interest OnlyLoans : > 8 upto and including9years	0	0.00%	- $	0.00%
Interest OnlyLoans : > 9 upto and including10years	0	0.00%	- $	0.00%
Interest OnlyLoans : > 10years	0	0.00%	- $	0.00%
Total	4,245	100.00%	711,005,304 $	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%	1,240	29.21%	250,767,029 $	35.27%
> 3.00% upto and including3.25%	587	13.83%	115,172,064 $	16.20%
> 3.25% upto and including3.50%	347	8.17%	73,165,367 $	10.29%
> 3.50% upto and including3.75%	1,425	33.57%	187,539,572 $	26.38%
> 3.75% upto and including4.00%	250	5.89%	35,825,195 $	5.04%
> 4.00% upto and including4.25%	137	3.23%	24,765,421 $	3.48%
> 4.25% upto and including4.50%	217	5.11%	19,124,986 $	2.69%
> 4.50% upto and including4.75%	10	0.24%	1,420,388 $	0.20%
> 4.75% upto and including5.00%	32	0.75%	3,225,281 $	0.45%
> 5.00% upto and including5.25%	0	0.00%	- $	0.00%
> 5.25% upto and including5.50%	0	0.00%	- $	0.00%
> 5.50% upto and including5.75%	0	0.00%	- $	0.00%
> 5.75% upto and including6.00%	0	0.00%	- $	0.00%
> 6.00% upto and including6.25%	0	0.00%	- $	0.00%
> 6.25% upto and including6.50%	0	0.00%	- $	0.00%
> 6.50% upto and including6.75%	0	0.00%	- $	0.00%
> 6.75% upto and including7.00%	0	0.00%	- $	0.00%
> 7.00% upto and including7.25%	0	0.00%	- $	0.00%
> 7.25% upto and including7.50%	0	0.00%	- $	0.00%
> 7.50% upto and including7.75%	0	0.00%	- $	0.00%
> 7.75% upto and including8.00%	0	0.00%	- $	0.00%
> 8.00% upto and including8.25%	0	0.00%	- $	0.00%
> 8.25% upto and including8.50%	0	0.00%	- $	0.00%
> 8.50%	0	0.00%	- $	0.00%
Total	4,245	100.00%	711,005,304 $	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	101	2.38%	21,204,161 $	2.98%
<= 2 Year Fixed	109	2.57%	23,350,605 $	3.28%
<= 3 Year Fixed	46	1.08%	8,972,934 $	1.26%
<= 4 Year Fixed	3	0.07%	393,959 $	0.06%
<= 5 Year Fixed	3	0.07%	657,026 $	0.09%
> 5 Year Fixed	0	0.00%	- $	0.00%
Total Fixed Rate	262	6.17%	54,578,686 $	7.68%
Total Variable Rate	3,983	93.83%	656,426,618 $	92.32%
Total	4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by Loan Purpose
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Alterations to existingdwelling	120	2.83%	15,173,040 $	2.13%
Business / Commercial / Investment	0	0.00%	- $	0.00%
Construction of a dwelling (construction completed)	84	1.98%	16,979,887 $	2.39%
Purchase of established dwelling	1,122	26.43%	208,204,247 $	29.28%
Purchase of new erected dwelling	104	2.45%	19,022,064 $	2.68%
Refinancingexistingdebt from another lender	497	11.71%	86,216,239 $	12.13%
Refinancingexistingdebt with ANZ	1,658	39.06%	259,656,188 $	36.52%
Other	660	15.55%	105,753,640 $	14.87%
Total	4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by Loan Seasoning
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
upto and including3 months	0	0.00%	- $	0.00%
> 3 upto and including6 months	0	0.00%	- $	0.00%
> 6 upto and including9 months	2	0.05%	448,346 $	0.06%
> 9 upto and including12 months	1	0.02%	189,543 $	0.03%
> 12 upto and including15 months	0	0.00%	- $	0.00%
> 15 upto and including18 months	0	0.00%	- $	0.00%
> 18 upto and including21 months	3	0.07%	381,907 $	0.05%
> 21 upto and including24 months	1	0.02%	249,816 $	0.04%
> 24 upto and including27 months	0	0.00%	- $	0.00%
> 27 upto and including30 months	0	0.00%	- $	0.00%
> 30 upto and including33 months	0	0.00%	- $	0.00%
> 33 upto and including36 months	2	0.05%	690,068 $	0.10%
> 36 upto and including48 months	2	0.05%	595,557 $	0.08%
> 48 upto and including60 months	1	0.02%	205,321 $	0.03%
> 60 upto and including72 months	184	4.33%	41,872,857 $	5.89%
> 72 upto and including84 months	1,006	23.70%	179,124,593 $	25.19%
> 84 upto and including96 months	1,232	29.02%	197,881,480 $	27.83%
> 96 upto and including108 months	984	23.18%	155,000,243 $	21.80%
> 108 upto and including120 months	484	11.40%	78,043,235 $	10.98%
> 120 months	343	8.08%	56,322,339 $	7.92%
Total	4,245	100.00%	711,005,304 $	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	6	0.14%	18,025 $	0.00%
> 1 upto and including2years	11	0.26%	172,394 $	0.02%
> 2 upto and including3years	17	0.40%	379,541 $	0.05%
> 3 upto and including4years	25	0.59%	526,281 $	0.07%
> 4 upto and including5years	24	0.57%	663,211 $	0.09%
> 5 upto and including6years	37	0.87%	2,196,375 $	0.31%
> 6 upto and including7years	34	0.80%	2,039,471 $	0.29%
> 7 upto and including8years	24	0.57%	1,822,215 $	0.26%
> 8 upto and including9years	29	0.68%	2,008,555 $	0.28%
> 9 upto and including10years	31	0.73%	2,392,391 $	0.34%
> 10 upto and including15years	331	7.80%	34,387,200 $	4.84%
> 15 upto and including20years	1,107	26.08%	175,499,806 $	24.68%
> 20 upto and including25years	2,568	60.49%	488,755,666 $	68.74%
> 25 upto and including30years	1	0.02%	144,173 $	0.02%
> 30years	0	0.00%	- $	0.00%
Total	4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by Delinquencies
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Current(0 days)	4,180	98.47%	697,082,152 $	98.04%
> 0 days upto and including30 days	32	0.75%	6,791,750 $	0.96%
> 30 days upto and including60 days	7	0.16%	1,609,099 $	0.23%
> 60 days upto and including90 days	2	0.05%	438,512 $	0.06%
> 90 days upto and including120 days	1	0.02%	2,075 $	0.00%
> 120 days upto and including150 days	3	0.07%	1,157,601 $	0.16%
> 150 days upto and including180 days	1	0.02%	162,497 $	0.02%
> 180 days	19	0.45%	3,761,618 $	0.53%
Total	4,245	100.00%	711,005,304 $	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		Balance
		of Loans		Outstanding
Current Month
Mortgagee in Possession		0	$	-
Current(gross)losspre-mortgage insurance		0	$	-
Claims on Insurers		1	$	143,324.81
Claimspending		1	$	143,324.81
Claimspaid		0	$	-
Claims reduced		0	$	-
Claims denied		0	$	-
Claims met byexcess income		0	$	-
Claims met byother means		0	$	-
Net Losses		0	$	-
Cumulative
Mortgagee in Possession		2	$	-
Current(gross)losspre-mortgage insurance		1	$	90,314.33
Claims on Insurers		2	$	143,324.81
Claimspending		1	$	143,324.81
Claimspaid		1	$	27,584.57
Claims reduced		0	$	-
Claims denied		0	$	-
Claims met byexcess income		0	$	-
Claims met byother means		0	$	-
Net Losses		1	$	90,314.33
Mortgage Pool by Payment Frequency
		Number		(%) Number		Balance	(%) Balance
		of Loans		of Loans		Outstanding	Outstanding
Weekly		1,254		29.54%	$	186,391,992	26.22%
Fortnightly		1,691		39.84%	$	253,336,175	35.63%
Monthly		1,300		30.62%	$	271,277,137	38.15%
Other		0		0.00%	$	-	0.00%
Total		4,245		100.00%	$	711,005,304	100.00%
Mortgage Pool by Mortgage Insurance
		Number		(%) Number		Balance	(%) Balance
		of Loans		of Loans		Outstanding	Outstanding
ANZ	Lenders Mortgage Insurance	411		9.68%	$	73,775,266	10.38%
QBE	Lenders Mortgage Insurance	0		0.00%	$	-	0.00%
Genworth Mortgage Insurance CompanyPtyLtd		0		0.00%	$	-	0.00%
Other		0		0.00%	$	-	0.00%
No Lenders Mortgage Insurance		3,834		90.32%	$	637,230,038	89.62%
Total		4,245		100.00%	$	711,005,304	100.00%

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	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
Weekly		1,254	29.54%	186,391,992 $	26.22%
Fortnightly		1,691	39.84%	253,336,175 $	35.63%
Monthly		1,300	30.62%	271,277,137 $	38.15%
Other		0	0.00%	- $	0.00%
Total		4,245	100.00%	711,005,304 $	100.00%
Mortgage Pool by Mortgage Insurance
	Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding
ANZ	Lenders Mortgage Insurance	411	9.68%	73,775,266 $	10.38%
QBE	Lenders Mortgage Insurance	0	0.00%	- $	0.00%
Gen	worth Mortgage Insurance CompanyPtyLtd	0	0.00%	- $	0.00%
Oth	er	0	0.00%	- $	0.00%
No	Lenders Mortgage Insurance	3,834	90.32%	637,230,038 $	89.62%
Tot	al	4,245	100.00%	711,005,304 $	100.00%
Tru ANZ ABN Lev Syd Con Ver Pho Em	st Manager Sponsor Capel Court Ltd Australia and New Zealand Banking Group Limited 30 004 768 807 ABN 11 005 357 522 el 5, 242 Pitt Street Level 9, 833 Collins Street ney, New South Wales, Australia 2000 Melbourne, Victoria, Australia 3000 tacts: onica Katz, Manager, Structured Capital Markets Middle Office John Needham, Head of Capital and Structured Funding, Group Treasury ne: (61 2) 8937 6952 Phone: (61 2) 8037 0670 ail: veronica.katz@anz.com Email:john.needham@anz.com
DIS This (d) i perf ANZ state prin (a) i Limi nor (b) d (c) a	CLAIMER report: s 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 ormance is not a guide to future performance. 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 ) 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 cipal balance of the securitised exposures in accordance with Article 405 paragraph (1) sub-paragraph (c). s 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 ted (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") ANZ Capel Court Limited (the "Manager") to create legal relations on the basis of the information contained in it; oes 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. nd 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.

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 Dec 2020 Determination Date: 20 Jan 2021
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)	01 Dec 2016 100,196,541 $ 239,163,275 $ 364 576 407 346 289,585 $ 1,962,595 $ 54.78% 45.82% 89.90% 4.45% 44.77 299.01 347.00	31 Dec 2020 29,235,660 $ 86,249,075 $ 141 220 152 137 213,399 $ 1,033,432 $ 48.76% 40.91% 78.02% 3.28% 95.55 248.57 296.00

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%	51.82%	30.92%	32.82%
> 40.00% upto and including45.00%	2.31%	5.84%	4.05%	8.23%
> 45.00% upto and including50.00%	3.47%	6.57%	4.68%	9.22%
> 50.00% upto and including55.00%	6.07%	2.92%	10.02%	3.78%
> 55.00% upto and including60.00%	4.62%	4.38%	7.50%	8.44%
> 60.00% upto and including65.00%	2.02%	7.30%	2.20%	10.63%
> 65.00% upto and including70.00%	3.18%	9.49%	5.43%	12.49%
> 70.00% upto and including75.00%	5.20%	8.03%	7.53%	10.09%
> 75.00% upto and including80.00%	13.29%	3.65%	16.56%	4.30%
> 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 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%	54.91%	57.66%	44.12%	47.72%
> 40.00% upto and including45.00%	2.60%	7.30%	5.56%	9.13%
> 45.00% upto and including50.00%	7.51%	5.84%	8.75%	10.12%
> 50.00% upto and including55.00%	4.34%	8.03%	5.63%	10.99%
> 55.00% upto and including60.00%	6.65%	9.49%	8.94%	8.90%
> 60.00% upto and including65.00%	4.05%	5.11%	3.56%	6.47%
> 65.00% upto and including70.00%	7.51%	0.00%	9.42%	0.00%
> 70.00% upto and including75.00%	5.49%	2.19%	7.17%	2.32%
> 75.00% upto and including80.00%	4.34%	1.46%	4.13%	1.08%
> 80.00% upto and including85.00%	0.87%	2.19%	0.81%	2.02%
> 85.00% upto and including90.00%	1.73%	0.00%	1.92%	0.00%
> 90.00% upto and including95.00%	0.00%	0.73%	0.00%	1.27%
> 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%	30.66%	3.49%	6.40%
>$100,000 upto and including $200,000	24.86%	27.01%	13.22%	18.71%
>$200,000 upto and including $300,000	22.25%	18.25%	19.26%	21.62%
>$300,000 upto and including $400,000	15.32%	10.95%	18.11%	17.92%
>$400,000 upto and including $500,000	7.80%	5.84%	11.92%	11.75%
>$500,000 upto and including $600,000	4.34%	4.38%	8.19%	10.99%
>$600,000 upto and including $700,000	3.47%	0.00%	7.66%	0.00%
>$700,000 upto and including $800,000	1.45%	0.73%	3.81%	2.56%
>$800,000 upto and including $900,000	0.87%	0.73%	2.62%	2.97%
>$900,000 upto and including $1.00m	0.29%	0.00%	0.96%	0.00%
>$1.00m upto and including $1.25m	1.16%	1.46%	4.67%	7.07%
>$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	Mortgage Pool by Geographic Distribution	Mortgage Pool by Geographic Distribution	Mortgage Pool by Geographic Distribution	Mortgage Pool by Geographic Distribution
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED
NSW / ACT	32.68%	34.21%	35.88%	36.57%
VIC	27.03%	21.71%	33.10%	27.38%
TAS	3.69%	3.29%	1.17%	1.43%
QLD	12.29%	15.13%	9.47%	12.30%
SA	9.34%	8.55%	6.50%	6.08%
WA	14.50%	16.45%	13.80%	16.15%
NT	0.49%	0.66%	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
Metro	75.18%	69.74%	83.98%	80.27%
Non Metro	24.82%	30.26%	16.02%	19.73%
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%	26.32%	30.90%	31.23%
NSW / ACT - Non Metro	7.13%	7.89%	4.97%	5.35%
VIC - Metro	21.87%	19.08%	30.67%	26.86%
VIC - Non Metro	5.16%	2.63%	2.43%	0.52%
TAS - Metro	1.72%	1.32%	0.60%	0.60%
TAS - Non Metro	1.97%	1.97%	0.57%	0.83%
QLD - Metro	7.62%	6.58%	5.52%	5.21%
QLD - Non Metro	4.67%	8.55%	3.95%	7.09%
SA - Metro	6.88%	4.61%	4.91%	3.08%
SA - Non Metro	2.46%	3.95%	1.59%	3.00%
WA - Metro	11.55%	11.84%	11.37%	13.29%
WA - Non Metro	2.95%	4.61%	2.43%	2.86%
NT - Metro	0.00%	0.00%	0.00%	0.00%
NT - Non Metro	0.49%	0.66%	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%	71.05%	74.21%	65.71%
Residential Investment(Full Recourse)	25.06%	28.95%	25.79%	34.29%
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
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
P&I	85.75%	98.68%	74.24%	95.51%
Interest Only	14.25%	1.32%	25.76%	4.49%
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%	98.68%	74.24%	95.51%
Interest OnlyLoans : > 0 upto and including1years	5.90%	0.66%	8.09%	2.56%
Interest OnlyLoans : > 1 upto and including2years	4.42%	0.66%	11.41%	1.92%
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%	28.95%	0.00%	34.20%
> 3.00% upto and including3.25%	0.00%	14.47%	0.00%	14.81%
> 3.25% upto and including3.50%	0.00%	13.16%	0.00%	18.47%
> 3.50% upto and including3.75%	0.49%	24.34%	0.59%	17.16%
> 3.75% upto and including4.00%	3.19%	9.21%	6.58%	6.85%
> 4.00% upto and including4.25%	12.29%	3.95%	19.37%	5.35%
> 4.25% upto and including4.50%	29.98%	5.92%	31.76%	3.15%
> 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%	0.66%	2.86%	0.71%
<= 2 Year Fixed	1.47%	0.66%	1.03%	0.60%
<= 3 Year Fixed	0.49%	1.32%	0.39%	1.69%
<= 4 Year Fixed	0.25%	0.00%	0.39%	0.00%
<= 5 Year Fixed	0.00%	0.66%	0.00%	0.46%
> 5 Year Fixed	0.00%	0.00%	0.00%	0.00%
Total Fixed Rate	5.16%	3.29%	4.67%	3.46%
Total Variable Rate	94.84%	96.71%	95.33%	96.54%
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%	4.61%	2.22%	2.60%
Business / Commercial / Investment	0.00%	0.00%	0.00%	0.00%
Construction of a dwelling (construction completed)	2.70%	1.97%	3.73%	0.98%
Purchase of established dwelling	24.32%	25.00%	26.68%	25.87%
Purchase of new erected dwelling	4.42%	3.95%	3.32%	4.46%
Refinancingexistingdebt from another lender	15.23%	19.74%	14.44%	22.05%
Refinancingexistingdebt with ANZ	26.78%	26.97%	28.66%	30.00%
Other	23.10%	17.76%	20.95%	14.05%
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%	5.26%	11.45%	5.97%
> 72 upto and including84 months	1.47%	27.63%	2.35%	18.38%
> 84 upto and including96 months	0.49%	30.26%	0.78%	25.82%
> 96 upto and including108 months	0.25%	21.71%	0.19%	28.49%
> 108 upto and including120 months	0.00%	12.50%	0.00%	18.82%
> 120 months	0.00%	2.63%	0.00%	2.51%
Total	100.00%	100.00%	100.00%	100.00%

Page 11 of 12

Mortgage Pool by Remaining Tenor	Mortgage Pool by Remaining Tenor	Mortgage Pool by Remaining Tenor	Mortgage Pool by Remaining Tenor	Mortgage Pool by Remaining Tenor
(%) 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%	0.00%	0.03%	0.00%
> 2 upto and including3years	0.49%	0.66%	0.02%	0.05%
> 3 upto and including4years	0.49%	1.32%	0.04%	0.14%
> 4 upto and including5years	0.25%	0.66%	0.02%	0.06%
> 5 upto and including6years	0.49%	0.66%	0.49%	0.13%
> 6 upto and including7years	0.25%	0.66%	0.01%	0.03%
> 7 upto and including8years	1.23%	0.00%	0.35%	0.00%
> 8 upto and including9years	0.25%	0.66%	0.01%	0.10%
> 9 upto and including10years	0.74%	0.66%	0.10%	0.27%
> 10 upto and including15years	1.97%	5.26%	0.64%	2.32%
> 15 upto and including20years	8.11%	19.08%	5.27%	22.53%
> 20 upto and including25years	24.08%	70.39%	29.05%	74.35%
> 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	(%) 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
Current(0 days)	97.79%	96.71%	97.70%	95.85%
> 0 days upto and including30 days	2.21%	0.66%	2.30%	0.48%
> 30 days upto and including60 days	0.00%	0.00%	0.00%	0.00%
> 60 days upto and including90 days	0.00%	0.66%	0.00%	0.27%
> 90 days upto and including120 days	0.00%	0.00%	0.00%	0.00%
> 120 days upto and including150 days	0.00%	0.66%	0.00%	1.41%
> 150 days upto and including180 days	0.00%	0.00%	0.00%	0.00%
> 180 days	0.00%	1.32%	0.00%	1.98%
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	Aggregate Pool Losses and Insurance Claims	Aggregate Pool Losses and Insurance Claims	Aggregate Pool Losses and Insurance Claims
Number of Loans Balance Outstanding
Current Month
Mortgagee in Possession	0	- $
Current(gross)losspre-mortgage insurance	0	- $
Claims on Insurers	0	- $
Claimspending	0	- $
Claimspaid	0	- $
Claims reduced	0	- $
Claims denied	0	- $
Claims met byexcess income	0	- $
Claims met byother means	0	- $
Net Losses	0	- $
Cumulative
Mortgagee in Possession	1	11,605.43 $
Current(gross)losspre-mortgage insurance	0	- $
Claims on Insurers	0	- $
Claimspending	0	- $
Claimspaid	0	- $
Claims reduced	0	- $
Claims denied	0	- $
Claims met byexcess income	0	- $
Claims met byother means	0	- $
Net Losses	0	- $

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%	29.61%	15.68%	20.70%
Fortnightly	29.24%	29.61%	20.78%	25.14%
Monthly	48.16%	40.79%	63.54%	54.16%
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
ANZ Lenders Mortgage Insurance	12.04%	11.84%	12.95%	11.51%
QBE Lenders Mortgage Insurance	0.00%	0.00%	0.00%	0.00%
Genworth Mortgage Insurance CompanyPtyLtd	0.00%	0.00%	0.00%	0.00%
Other	0.00%	0.00%	0.00%	0.00%
No Lenders Mortgage Insurance	87.96%	88.16%	87.05%	88.49%
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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