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KINGFISHER TRUST 2019-1 Fund Information / Factsheet 2021

Nov 18, 2021

65181_rns_2021-11-18_783cac11-ef3b-4199-b98f-c340e72bbb39.pdf

Fund Information / Factsheet

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

ANZ Capel Court Limited ABN 30 004 768 807

==> picture [138 x 86] intentionally omitted <==

19 November 2021

Kingfisher Trust 2019-1 (ASX code: KI1)

Investor Report

ANZ Capel Court Limited (‘the Company’) is the Trust Manager for the Kingfisher Trust 2019-1. 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

ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 Investor Report		 ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 Investor Report		 ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 Investor Report		 ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 Investor Report		 ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 Investor Report		 ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 Investor Report		 ABN 30 004 768 807
Level 5, 242 Pitt Street
Sydney NSW 2000
ANZ Capel Court Limited
Kingfisher Trust 2019-1 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.ofdaysintheInterestPeriod:		 16 Nov 2021
19 Nov 2021
20 Dec 2021
19 Jun 2019
17 Nov 2021
01 Oct 2021
01 Nov 2021
32
19 Oct 2021
19 Nov 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:
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 ZealandBanking GroupLimited
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
ClassF		 N/A N/A N/A N/A N/A N/A
KINGF 19-1 Mtge KFT19001 AU3FN0048559
AU3FN0048567
AU3FN0048575
AU3FN0048583
AU3FN0048591
AU3FN0048609
AU3FN0048617		 19 May 2050
19 May 2050
19 May 2050
19 May 2050
19 May 2050
19 May 2050
19May2050		 Moody's / Fitch
Moody's / Fitch
Moody's
Moody's
Moody's
Moody's
Notrated		 Aaa(sf)/AAAsf
Aaa(sf)/AAAsf
Aa1(sf)
Aa2(sf)
A2(sf)
Baa3(sf)
Notrated
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
ClassF		 N/A
685,559,141.63
$ 45,000,000.00
$ 42,000,000.00
$ 12,000,000.00
$ 9,000,000.00
$ 7,500,000.00
$ 4,500,000.00
$		 N/A
0.0068%
0.0068%
0.0068%
0.0068%
0.0068%
0.0068%
0.0068%		 N/A
0.9300%
1.6000%
1.9000%
2.4000%
3.2000%
4.4000%
5.8000%		 N/A
0.9368%
1.6068%
1.9068%
2.4068%
3.2068%
4.4068%
5.8068%		 N/A
3.95
$ 13.65
$ 16.19
$ 20.44
$ 27.24
$ 37.43
$ 49.32
$		 N/A
545,457.15
$ 61,410.58
$ 68,017.91
$ 24,529.58
$ 24,512.25
$ 28,070.71
$ 22,193.11
$
Total 805,559,141.63
$		 774,191.29
$
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
ClassF		 N/A
685,559,141.63
$ 45,000,000.00
$ 42,000,000.00
$ 12,000,000.00
$ 9,000,000.00
$ 7,500,000.00
$ 4,500,000.00
$		 N/A
0.49678199
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000		 N/A
112.40
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$		 N/A
15,511,027.49
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$		 N/A
670,048,114.14
$ 45,000,000.00
$ 42,000,000.00
$ 12,000,000.00
$ 9,000,000.00
$ 7,500,000.00
$ 4,500,000.00
$		 N/A
0.48554211
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
Total 805,559,141.63
$		 15,511,027.49
$		 790,048,114.14
$
Note Charge offSummary
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
ClassF		 N/A
685,559,141.63
$ 45,000,000.00
$ 42,000,000.00
$ 12,000,000.00
$ 9,000,000.00
$ 7,500,000.00
$ 4,500,000.00
$		 N/A
0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$		 N/A
685,559,141.63
$ 45,000,000.00
$ 42,000,000.00
$ 12,000,000.00
$ 9,000,000.00
$ 7,500,000.00
$ 4,500,000.00
$		 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
670,048,114.14
$ 45,000,000.00
$ 42,000,000.00
$ 12,000,000.00
$ 9,000,000.00
$ 7,500,000.00
$ 4,500,000.00
$
Total 805,559,141.63
$		 0.00
$		 805,559,141.63
$		 0.00
$		 0.00
$		 790,048,114.14
$

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
2,119,957.90
$ Interest received on Trust Account
1.47
$ 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
451.00
$ Available Income
2,120,410.37
$
Calculati on of Total Available Income
(i)
(ii)
(iii)		 Available Income
2,120,410.37
$
Principal Draw
0.00
$
LiquidityDraw
0.00
$
Total Available Income
2,120,410.37
$
Applicati on of Total Available Income
(i)
(ii)
(iii)
(iv)
(v)
(vi)
(vii)
(viii)
(ix)
(x)
(xi)
(xii)
(xiii)
(xiv
(xv)
(xvi
(xvi
(xvi
(xix
(xx)
(xxi
(xxi
(xxi
(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
221,449.40
$
(paripassu and rateably)
(a)Net Swapdue to each Derivative Counterpartyexcludingbreak costs &payments to defaultingcounterparty
530,758.90
$
(b)LiquidityFacility- Interest and Fees
3,420.87
$
Reimbursement of LiquidityDraws
0.00
$
(paripassu and rateably)
(a)Class A1 Note Interest(current & unpaid)
545,457.15
$
(b)Redraw Notes Interest(current & unpaid)
0.00
$
Class A2 Note Interest(current & unpaid)
61,410.58
$
Class B Note Senior Interest(current & unpaid)
68,017.91
$
Class C Note Senior Interest(current & unpaid)
24,529.58
$
Class D Note Senior Interest(current & unpaid)
24,512.25
$
Class E Note Senior Interest(current & unpaid)
28,070.71
$
Class F Note Senior Interest(current & unpaid)
22,193.11
$
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
$
i) Class C Note Residual Interest(current & unpaid)
0.00
$
ii) 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
$
i) Tax Shortfallpayable
0.00
$
ii) Tax Amountpayable
0.00
$
)
Surplus distributed to the Participation Unitholder
590,588.91
$
Total Available Income Applied
2,120,410.37
$
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
8,055,591.42
$
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
(155,110.28)
$
ClosingLiquidityFacilityLimit
7,900,481.14
$
Total Av ailable Principal
(i)
(ii)
(iii)
(iv)
(v)
(vi)
(vii)		 Principal Collections
18,698,114.35
$
Scheduled Principal Collections
3,225,384.20
$
Unscheduled Principal Collections
15,472,730.15
$
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
(2,890,715.40)
$
(b) Permitted Further Advances
(296,371.46)
$
Total Available Principal
15,511,027.49
$
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?
NO
Repayment of the Class A1 Notes
15,511,027.49
$
Repayment of the Class A2 Notes
0.00
$
Repayment of the Class B Notes
0.00
$
Repayment of the Class C Notes
0.00
$
Repayment of the Class D Notes
0.00
$
Repayment of the Class E Notes
0.00
$
Repayment of the Class F Notes
0.00
$
Surplus distribution to the Residual Unitholder
0.00
$
Total Available Principal Applied
15,511,027.49
$

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 $ 545,457.15
Total Interest Amount Paid on Payment Date $ 545,457.15
ClosingUnpaid Interest Amount $ 0.00
Initial Invested Amount $ 1,380,000,000.00
OpeningInvested Amount $ 685,559,141.63
Principal Repayment - currentperiod $ 15,511,027.49
ClosingInvested Amount $ 670,048,114.14
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 685,559,141.63
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 670,048,114.14
Class A2 Notes(AUD)
OpeningUnpaid Interest Amount $ 0.00
Interest on Unpaid Interest Amount $ 0.00
Interest Amount Due - currentperiod $ 61,410.58
Total Interest Amount Paid on Payment Date $ 61,410.58
ClosingUnpaid Interest Amount $ 0.00
Initial Invested Amount $ 45,000,000.00
OpeningInvested Amount $ 45,000,000.00
Principal Repayment - currentperiod $ 0.00
ClosingInvested Amount $ 45,000,000.00
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 45,000,000.00
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 45,000,000.00
Class B Notes(AUD)
OpeningUnpaid Senior Interest Amount $ 0.00
Interest on Unpaid Senior Interest Amount $ 0.00
Senior Interest Amount Due - currentperiod $ 68,017.91
Total Senior Interest Amount Paid on Payment Date $ 68,017.91
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 $ 42,000,000.00
OpeningInvested Amount $ 42,000,000.00
Principal Repayment - currentperiod $ 0.00
ClosingInvested Amount $ 42,000,000.00
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 42,000,000.00
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 42,000,000.00

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 $ 24,529.58
Total Senior Interest Amount Paid on Payment Date $ 24,529.58
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 $ 12,000,000.00
Principal Repayment - currentperiod $ 0.00
ClosingInvested Amount $ 12,000,000.00
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 12,000,000.00
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 12,000,000.00
Class D Notes(AUD)
OpeningUnpaid Senior Interest Amount $ 0.00
Interest on Unpaid Senior Interest Amount $ 0.00
Senior Interest Amount Due - currentperiod $ 24,512.25
Total Senior Interest Amount Paid on Payment Date $ 24,512.25
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 $ 9,000,000.00
OpeningInvested Amount $ 9,000,000.00
Principal Repayment - currentperiod $ 0.00
ClosingInvested Amount $ 9,000,000.00
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 9,000,000.00
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 9,000,000.00
Class E Notes(AUD)
OpeningUnpaid Senior Interest Amount $ 0.00
Interest on Unpaid Senior Interest Amount $ 0.00
Senior Interest Amount Due - currentperiod $ 28,070.71
Total Senior Interest Amount Paid on Payment Date $ 28,070.71
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 $ 7,500,000.00
OpeningInvested Amount $ 7,500,000.00
Principal Repayment - currentperiod $ 0.00
ClosingInvested Amount $ 7,500,000.00
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 7,500,000.00
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 7,500,000.00
Class F Notes(AUD)
OpeningUnpaid Senior Interest Amount $ 0.00
Interest on Unpaid Senior Interest Amount $ 0.00
Senior Interest Amount Due - currentperiod $ 22,193.11
Total Senior Interest Amount Paid on Payment Date $ 22,193.11
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 $ 4,500,000.00
OpeningInvested Amount $ 4,500,000.00
Principal Repayment - currentperiod $ 0.00
ClosingInvested Amount $ 4,500,000.00
OpeningCarryover Charge offs $ 0.00
OpeningStated Amount $ 4,500,000.00
Charge offs - currentperiod $ 0.00
Reimbursement of Charge offs - currentperiod $ 0.00
ClosingCarryover Charge offs $ 0.00
ClosingStated Amount $ 4,500,000.00

Page 4 of 12

Pool Summary Pool Summary Pool Summary Pool Summary Pool Summary Pool Summary
Collection Period End Date
01 Nov 2021
Current Aggregate Principal Balance (AUD)
790,048,114
$ Total Property Value
2,124,356,067
$ Number of (Eligible) Security Properties
3,711
Number of (Eligible) Debtors
5,501
Number of Loans (Unconsolidated)
4,333
Number of Loans (Consolidated)
3,455
Average Loan Size (Consolidated)
228,668
$ Maximum Loan Balance (Consolidated)
1,413,241
$ Weighted Average Consolidated Current Loan to Value Ratio (LVR)
49.62%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR)
41.08%
Maximum Consolidated Current Loan To Value Ratio (LVR)
91.98%
Weighted Average Interest Rate
3.06%
Weighted Average Seasoning (Months)
85.18
Weighted Average Remaining Term (Months)
262.20
Maximum Current Remaining Term (Months)
354.00
Pool Summary -(Subset 1: Loans with LRHs due to Covid-19)
Current Aggregate Principal Balance (AUD)
$ 5,210,859.39
Percentage Deferrals by balance
0.66%
Number of Deferred Loans (Unconsolidated)
21
Number of Deferred Loans (Consolidated)
15
Percentage of Deferred Loans by number (Consolidated)
0.43%
Average Loan Size (Consolidated)
$ 347,390.63
Maximum Loan Balance (Consolidated)
$ 722,031.20
Weighted Average Consolidated Current Loan to Value Ratio (LVR)
61.11%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR)
48.12%
Weighted Average Interest Rate
2.96%
Weighted Average Seasoning (Months)
68.29
Weighted Average Remaining Term (Months)
275.75
Owner Occupier/Investment Loan split by balance
87%/13%
P&I / IO split by balance
100%/0%
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 Aug 2021 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)
Prepayment History (SMM)		 16.90%
1.53%		 19.12%
1.75%		 19.20%
1.76%		 18.52%
1.69%		 20.00%
1.84%
_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
up to andincluding40.00% 1,767 51.14% 230,112,622
$		 29.13%
>40.00% up to andincluding45.00% 260 7.53% 66,873,108
$		 8.46%
>45.00% up to andincluding 50.00% 289 8.36% 82,496,882
$		 10.44%
> 50.00% up to andincluding 55.00% 264 7.64% 81,453,008
$		 10.31%
> 55.00% up to andincluding 60.00% 223 6.45% 74,543,834
$		 9.44%
> 60.00% up to andincluding 65.00% 209 6.05% 80,469,697
$		 10.19%
> 65.00% up to andincluding70.00% 213 6.16% 83,115,057
$		 10.52%
>70.00% up to andincluding75.00% 132 3.82% 50,503,172
$		 6.39%
>75.00% up to andincluding 80.00% 60 1.74% 25,747,651
$		 3.26%
> 80.00% up to andincluding 85.00% 25 0.72% 10,228,442
$		 1.29%
> 85.00% up to andincluding 90.00% 11 0.32% 3,659,862
$		 0.46%
> 90.00% up to andincluding 95.00% 2 0.06% 844,779
$		 0.11%
> 95.00% up to andincluding100.00% 0 0.00% -
$		 0.00%
>100.00% 0 0.00% -
$		 0.00%
Total 3,455 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
up to andincluding40.00% 2,258 65.35% 368,844,853
$		 46.69%
>40.00% up to andincluding45.00% 291 8.42% 95,076,914
$		 12.03%
>45.00% up to andincluding 50.00% 240 6.95% 82,218,360
$		 10.41%
> 50.00% up to andincluding 55.00% 202 5.85% 74,642,987
$		 9.45%
> 55.00% up to andincluding 60.00% 170 4.92% 59,645,705
$		 7.55%
> 60.00% up to andincluding 65.00% 139 4.02% 49,139,786
$		 6.22%
> 65.00% up to andincluding70.00% 81 2.34% 32,508,698
$		 4.11%
>70.00% up to andincluding75.00% 35 1.01% 13,133,060
$		 1.66%
>75.00% up to andincluding 80.00% 22 0.64% 8,518,596
$		 1.08%
> 80.00% up to andincluding 85.00% 9 0.26% 4,010,219
$		 0.51%
> 85.00% up to andincluding 90.00% 2 0.06% 764,070
$		 0.10%
> 90.00% up to andincluding 95.00% 3 0.09% 964,646
$		 0.12%
> 95.00% up to andincluding100.00% 1 0.03% 115,735
$		 0.01%
>100.00% 2 0.06% 464,486
$		 0.06%
Total 3,455 100.00% 790,048,114
$		 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
up to andincluding $100,000 897 25.96% 39,612,371
$		 5.01%
> $100,000 up to andincluding $200,000 894 25.88% 134,193,326
$		 16.99%
> $200,000 up to andincluding $300,000 714 20.67% 176,826,314
$		 22.38%
> $300,000 up to andincluding $400,000 449 13.00% 154,259,005
$		 19.53%
> $400,000 up to andincluding $500,000 220 6.37% 97,670,540
$		 12.36%
> $500,000 up to andincluding $600,000 126 3.65% 68,013,062
$		 8.61%
> $600,000 up to andincluding $700,000 66 1.91% 42,644,128
$		 5.40%
> $700,000 up to andincluding $800,000 39 1.13% 28,981,644
$		 3.67%
> $800,000 up to andincluding $900,000 19 0.55% 15,860,253
$		 2.01%
> $900,000 up to andincluding $1.00m 18 0.52% 16,926,266
$		 2.14%
> $1.00mup to andincluding $1.25m 10 0.29% 11,091,441
$		 1.40%
>$1.25mup to andincluding $1.50m 3 0.09% 3,969,764
$		 0.50%
> $1.50mup to andincluding $1.75m 0 0.00% -
$		 0.00%
> $1.75mup to andincluding $2.00m 0 0.00% -
$		 0.00%
> $2.00m 0 0.00% -
$		 0.00%
Total 3,455 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Geographic Distribution
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
NSW/ACT 1,281 29.56% 272,810,313
$		 34.53%
VIC 1,292 29.82% 244,560,574
$		 30.96%
TAS 115 2.65% 14,793,317
$		 1.87%
QLD 754 17.40% 118,826,537
$		 15.04%
SA 305 7.04% 40,431,773
$		 5.12%
WA 561 12.95% 93,921,795
$		 11.89%
NT 25 0.58% 4,703,806
$		 0.60%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Consolidated Loan Balance
Number (%) Number Balance (%) Balance
of Loans of Loans Outstanding Outstanding
up to andincluding $100,000 897 25.96% $ 39,612,371 5.01%
> $100,000 up to andincluding $200,000 894 25.88% $ 134,193,326 16.99%
> $200,000 up to andincluding $300,000 714 20.67% $ 176,826,314 22.38%
> $300,000 up to andincluding $400,000 449 13.00% $ 154,259,005 19.53%
> $400,000 up to andincluding $500,000 220 6.37% $ 97,670,540 12.36%
> $500,000 up to andincluding $600,000 126 3.65% $ 68,013,062 8.61%
> $600,000 up to andincluding $700,000 66 1.91% $ 42,644,128 5.40%
> $700,000 up to andincluding $800,000 39 1.13% $ 28,981,644 3.67%
> $800,000 up to andincluding $900,000 19 0.55% $ 15,860,253 2.01%
> $900,000 up to andincluding $1.00m 18 0.52% $ 16,926,266 2.14%
> $1.00mup to andincluding $1.25m 10 0.29% $ 11,091,441 1.40%
>$1.25mup to andincluding $1.50m 3 0.09% $ 3,969,764 0.50%
> $1.50mup to andincluding $1.75m 0 0.00% $ - 0.00%
> $1.75mup to andincluding $2.00m 0 0.00% $ - 0.00%
> $2.00m 0 0.00% $ - 0.00%
Total 3,455 100.00% $ 790,048,114
 100.00%
Mortgage Pool by Geographic Distribution
Number (%) Number Balance (%) Balance
of Loans of Loans Outstanding Outstanding
NSW/ACT 1,281 29.56% $ 272,810,313 34.53%
VIC 1,292 29.82% $ 244,560,574 30.96%
TAS 115 2.65% $ 14,793,317 1.87%
QLD 754 17.40% $ 118,826,537 15.04%
SA 305 7.04% $ 40,431,773 5.12%
WA 561 12.95% $ 93,921,795 11.89%
NT 25 0.58% $ 4,703,806 0.60%
Total 4,333 100.00% $ 790,048,114
 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 3,183 73.46% 630,140,006
$		 79.76%
Non Metro 1,150 26.54% 159,908,108
$		 20.24%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by State and Region
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
NSW/ACT - Metro 936 21.60% 219,050,380
$		 27.73%
NSW/ACT - Non Metro 345 7.96% 53,759,934
$		 6.80%
VIC- Metro 1,026 23.68% 209,547,183
$		 26.52%
VIC- Non Metro 266 6.14% 35,013,392
$		 4.43%
TAS- Metro 64 1.48% 8,859,454
$		 1.12%
TAS- Non Metro 51 1.18% 5,933,862
$		 0.75%
QLD - Metro 433 9.99% 73,182,601
$		 9.26%
QLD - Non Metro 321 7.41% 45,643,936
$		 5.78%
SA - Metro 210 4.85% 30,157,416
$		 3.82%
SA - Non Metro 95 2.19% 10,274,357
$		 1.30%
WA - Metro 499 11.52% 86,224,363
$		 10.91%
WA - Non Metro 62 1.43% 7,697,432
$		 0.97%
NT - Metro 15 0.35% 3,118,610
$		 0.39%
NT - Non Metro 10 0.23% 1,585,196
$		 0.20%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Top 20 Postcodes*
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
3977(BotanicRidge,VIC) 34 0.78% 7,207,966
$		 0.91%
2155 (BeaumontHills,NSW) 19 0.44% 5,598,155
$		 0.71%
2099 (Cromer,NSW) 18 0.42% 5,350,373
$		 0.68%
3029 (Hoppers Crossing,VIC) 25 0.58% 5,197,670
$		 0.66%
6164(Atwell,WA) 25 0.58% 4,729,171
$		 0.60%
3030 (Cocoroc,VIC) 26 0.60% 4,467,830
$		 0.57%
2100 (AllambieHeights,NSW) 11 0.25% 4,323,359
$		 0.55%
2138 (ConcordWest,NSW) 13 0.30% 3,988,288
$		 0.50%
2567(CurransHill,NSW) 16 0.37% 3,762,181
$		 0.48%
3187(Brighton East,VIC) 10 0.23% 3,682,897
$		 0.47%
3805 (FountainGate,VIC) 14 0.32% 3,641,002
$		 0.46%
3064(Craigieburn,VIC) 23 0.53% 3,461,127
$		 0.44%
2770 (Bidwill,NSW) 15 0.35% 3,452,594
$		 0.44%
2747(Caddens,NSW) 20 0.46% 3,446,855
$		 0.44%
2170 (Casula,NSW) 23 0.53% 3,422,420
$		 0.43%
3150 (Brandon Park,VIC) 14 0.32% 3,417,794
$		 0.43%
3192(Cheltenham,VIC) 10 0.23% 3,308,542
$		 0.42%
2560 (Airds,NSW) 19 0.44% 3,304,440
$		 0.42%
2153 (Baulkham Hills,NSW) 13 0.30% 3,292,013
$		 0.42%
2750 (EmuHeights,NSW) 16 0.37% 3,238,562
$		 0.41%
Total 364 8.40% 82,293,239
$		 10.42%

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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.
----- End of picture text -----*

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
OwnerOccupied (Full Recourse) 3,599 83.06% 652,095,648
$		 82.54%
Residential Investment (Full Recourse) 734 16.94% 137,952,466
$		 17.46%
Residential Investment (LimitedRecourse) 0 0.00% -
$		 0.00%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Documentation Type
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
Full DocLoans 4,333 100.00% 790,048,114
$		 100.00%
Low DocLoans 0 0.00% -
$		 0.00%
NoDocLoans 0 0.00% -
$		 0.00%
Total 4,333 100.00% 790,048,114
$		 100.00%

Page 6 of 12

Mortgage Pool by Payment Type Mortgage Pool by Payment Type Mortgage Pool by Payment Type Mortgage Pool by Payment Type Mortgage Pool by Payment Type
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
P&I 4,264 98.41% 770,783,232
$		 97.56%
Interest Only 69 1.59% 19,264,882
$		 2.44%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Remaining Interest Only Period
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
AmortisingLoans 4,264 98.41% 770,783,232
$		 97.56%
Interest OnlyLoans:> 0 up to andincluding1years 34 0.78% 10,885,022
$		 1.38%
Interest OnlyLoans:>1up to andincluding2years 20 0.46% 4,631,032
$		 0.59%
Interest OnlyLoans:>2up to andincluding 3 years 9 0.21% 2,602,690
$		 0.33%
Interest OnlyLoans:> 3 up to andincluding4years 3 0.07% 614,954
$		 0.08%
Interest OnlyLoans:>4up to andincluding 5 years 2 0.05% 350,989
$		 0.04%
Interest OnlyLoans:> 5 up to andincluding 6 years 0 0.00% -
$		 0.00%
Interest OnlyLoans:> 6 up to andincluding7years 0 0.00% -
$		 0.00%
Interest OnlyLoans:>7up to andincluding 8 years 0 0.00% -
$		 0.00%
Interest OnlyLoans:> 8 up to andincluding 9 years 0 0.00% -
$		 0.00%
Interest OnlyLoans:> 9 up to andincluding10 years 1 0.02% 180,195
$		 0.02%
Interest OnlyLoans:>10 years 0 0.00% -
$		 0.00%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Mortgage Loan Interest Rate
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
up to andincluding 3.00% 2,025 46.73% 427,883,879
$		 54.16%
> 3.00% up to andincluding 3.25% 617 14.24% 123,247,621
$		 15.60%
> 3.25% up to andincluding 3.50% 377 8.70% 73,481,978
$		 9.30%
> 3.50% up to andincluding 3.75% 905 20.89% 113,331,168
$		 14.34%
> 3.75% up to andincluding4.00% 153 3.53% 22,493,599
$		 2.85%
>4.00% up to andincluding4.25% 108 2.49% 19,339,388
$		 2.45%
>4.25% up to andincluding4.50% 129 2.98% 7,583,660
$		 0.96%
>4.50% up to andincluding4.75% 3 0.07% 719,898
$		 0.09%
>4.75% up to andincluding 5.00% 14 0.32% 1,938,785
$		 0.25%
> 5.00% up to andincluding 5.25% 2 0.05% 28,138
$		 0.00%
> 5.25% up to andincluding 5.50% 0 0.00% -
$		 0.00%
> 5.50% up to andincluding 5.75% 0 0.00% -
$		 0.00%
> 5.75% up to andincluding 6.00% 0 0.00% -
$		 0.00%
> 6.00% up to andincluding 6.25% 0 0.00% -
$		 0.00%
> 6.25% up to andincluding 6.50% 0 0.00% -
$		 0.00%
> 6.50% up to andincluding 6.75% 0 0.00% -
$		 0.00%
> 6.75% up to andincluding7.00% 0 0.00% -
$		 0.00%
>7.00% up to andincluding7.25% 0 0.00% -
$		 0.00%
>7.25% up to andincluding7.50% 0 0.00% -
$		 0.00%
>7.50% up to andincluding7.75% 0 0.00% -
$		 0.00%
>7.75% up to andincluding 8.00% 0 0.00% -
$		 0.00%
> 8.00% up to andincluding 8.25% 0 0.00% -
$		 0.00%
> 8.25% up to andincluding 8.50% 0 0.00% -
$		 0.00%
> 8.50% 0 0.00% -
$		 0.00%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Interest Option
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
<= 1 Year Fixed 230 5.31% 57,719,560
$		 7.31%
<= 2 Year Fixed 163 3.76% 42,411,414
$		 5.37%
<=3Year Fixed 49 1.13% 14,308,273
$		 1.81%
<= 4 Year Fixed 9 0.21% 1,613,165
$		 0.20%
<=5Year Fixed 9 0.21% 2,335,129
$		 0.30%
> 5Year Fixed 0 0.00% -
$		 0.00%
Total FixedRate 460 10.62% 118,387,541
$		 14.98%
Total VariableRate 3,873 89.38% 671,660,573
$		 85.02%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Loan Purpose
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
Alterations to existing dwelling 120 2.77% 15,402,994
$		 1.95%
Business / Commercial/Investment 0 0.00% -
$		 0.00%
Constructionofa dwelling (constructioncompleted) 151 3.48% 28,486,049
$		 3.61%
Purchase ofestablished dwelling 1,178 27.19% 222,341,413
$		 28.14%
Purchase of newerected dwelling 149 3.44% 27,532,973
$		 3.48%
Refinancing existing debtfromanother lender 843 19.46% 163,175,951
$		 20.65%
Refinancing existing debtwith ANZ 1,180 27.23% 215,793,744
$		 27.31%
Other 712 16.43% 117,314,990
$		 14.85%
Total 4,333 100.00% 790,048,114
$		 100.00%
Mortgage Pool by Loan Seasoning
Number
of Loans
(%) Number
of Loans
Balance
Outstanding
(%) Balance
Outstanding
up to andincluding 3months 1 0.02% 908,819
$		 0.12%
> 3 up to andincluding 6months 1 0.02% 180,195
$		 0.02%
> 6 up to andincluding 9months 5 0.12% 931,775
$		 0.12%
> 9 up to andincluding12 months 5 0.12% 1,465,020
$		 0.19%
>12up to andincluding15months 1 0.02% 99,322
$		 0.01%
>15 up to andincluding18months 4 0.09% 1,417,971
$		 0.18%
>18 up to andincluding21 months 1 0.02% 230,956
$		 0.03%
>21up to andincluding24 months 1 0.02% 321,796
$		 0.04%
>24up to andincluding27 months 0 0.00% -
$		 0.00%
>27up to andincluding 30months 2 0.05% 486,967
$		 0.06%
> 30 up to andincluding 33months 0 0.00% -
$		 0.00%
> 33 up to andincluding 36months 0 0.00% -
$		 0.00%
> 36 up to andincluding48months 39 0.90% 8,775,552
$		 1.11%
>48 up to andincluding 60months 108 2.49% 24,234,597
$		 3.07%
> 60 up to andincluding72 months 1,051 24.26% 219,180,324
$		 27.74%
>72up to andincluding 84 months 1,192 27.51% 231,050,737
$		 29.25%
> 84up to andincluding 96months 591 13.64% 104,714,503
$		 13.25%
> 96 up to andincluding108months 477 11.01% 73,830,287
$		 9.35%
>108 up to andincluding120months 395 9.12% 58,986,828
$		 7.47%
>120months 459 10.59% 63,232,466
$		 8.00%
Total 4,333 100.00% 790,048,114
$		 100.00%

Page 7 of 12

Mortgage Pool by Remaining Tenor
Number (%) Number Balance (%) Balance
of Loans of Loans Outstanding Outstanding
up to andincluding1year 16 0.37% $ 94,374 0.01%
>1up to andincluding2years 8 0.18% $ 50,936 0.01%
>2up to andincluding 3 years 23 0.53% $ 418,262 0.05%
> 3 up to andincluding4years 11 0.25% $ 270,987 0.03%
>4up to andincluding 5 years 19 0.44% $ 509,223 0.06%
> 5 up to andincluding 6 years 22 0.51% $ 580,837 0.07%
> 6 up to andincluding7years 25 0.58% $ 1,023,461 0.13%
>7up to andincluding 8 years 18 0.42% $ 1,384,581 0.18%
> 8 up to andincluding 9 years 14 0.32% $ 988,209 0.13%
> 9 up to andincluding10 years 28 0.65% $ 2,100,229 0.27%
>10 up to andincluding15 years 278 6.42% $ 31,930,815 4.04%
>15 up to andincluding20 years 737 17.01% $ 120,504,811 15.25%
>20 up to andincluding25 years 3,037 70.09% $ 606,284,739 76.74%
>25 up to andincluding 30 years 97 2.24% $ 23,906,649 3.03%
> 30 years 0 0.00% $ - 0.00%
Total 4,333 100.00% $ 790,048,114
 100.00%
Mortgage Pool by Delinquencies
Number (%) Number Balance (%) Balance
of Loans of Loans Outstanding Outstanding
Current (0 days) 4,295 99.12% $ 779,456,222 98.66%
> 0 days up to andincluding 30 days 23 0.53% $ 7,326,735 0.93%
> 30 days up to andincluding 60 days 2 0.05% $ 239,061 0.03%
> 60 days up to andincluding 90 days 1 0.02% $ 254,287 0.03%
> 90 days up to andincluding120 days 2 0.05% $ 508,916 0.06%
>120 days up to andincluding150 days 2 0.05% $ 638,788 0.08%
>150 days up to andincluding180 days 4 0.09% $ 773,507 0.10%
>180 days 4 0.09% $ 850,600 0.11%
Total 4,333 100.00% $ 790,048,114
 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).
be reported as delinquent until the customer has maintained full repayments for a period of at least 6 months). 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 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 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 $ -
NetLosses 0 $ -
Mortgage Pool by Payment Frequency
Number (%) Number Balance (%) Balance
of Loans of Loans Outstanding Outstanding
Weekly 1,116 25.76% $ 180,041,253 22.79%
Fortnightly 1,372 31.66% $ 208,719,441 26.42%
Monthly 1,845 42.58% $ 401,287,420 50.79%
Other 0 0.00% $ - 0.00%
Total 4,333 100.00% $ 790,048,114
 100.00%
Mortgage Pool by Mortgage Insurance
Number (%) Number Balance (%) Balance
of Loans of Loans Outstanding Outstanding
ANZ LendersMortgageInsurance 423 9.76% $ 83,889,809 10.62%
QBE LendersMortgageInsurance 0 0.00% $ - 0.00%
Genworth MortgageInsurance CompanyPtyLtd 0 0.00% $ - 0.00%
Other 0 0.00% $ - 0.00%
NoLendersMortgageInsurance 3,910 90.24% $ 706,158,305 89.38%
Total 4,333 100.00% $ 790,048,114
 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
Level 5, 242 Pitt Street Level 9, 833 Collins Street
Sydney, New South Wales, Australia 2000 Melbourne, Victoria, Australia 3000
Contacts:
Veronica Katz, Manager, Structured Capital Markets Trade Services John Needham, Head of Capital and Structured Funding, Group Treasury
Phone: (61 2) 8937 6952 Phone: (61 2) 8037 0670
Email: [email protected] Email: [email protected]
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 2019-1 (“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 405paragraph(1)sub-paragraph(c).

Page 8 of 12

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Article 122a of CRD IV Retention of Interest Report for Kingfisher Trust 2019-1
Closing Date: 19 Jun 2019
Collection Period End Date (CPED): 01 Nov 2021
Determination Date: 16 Nov 2021
Pool Summary
At Closing At CPED
Collection Period End Date 31 May 2019 01 Nov 2021
Current Aggregate Principal Balance (AUD) $ 77,865,364 $ 39,851,906
Total Property Value $ 170,396,483 $ 104,793,756
Number of (Eligible) Security Properties 310 187
Number of (Eligible) Debtors 463 291
Number of Loans (Unconsolidated) 331 197
Number of Loans (Consolidated) 285 178
Average Loan Size (Consolidated) $ 273,212 $ 223,887
Maximum Loan Balance (Consolidated) $ 996,952 $ 874,389
Weighted Average Consolidated Current Loan to Value Ratio (LVR) 56.81% 51.75%
Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) 53.29% 44.80%
Maximum Consolidated Current Loan To Value Ratio (LVR) 90.89% 84.11%
Weighted Average Interest Rate 4.37% 3.09%
Weighted Average Seasoning (Months) 55.98 84.95
Weighted Average Remaining Term (Months) 289.11 258.98
Maximum Current Remaining Term (Months) 348.00 319.00
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)
of Loans on Closing(%) Number of Loans on CPED(%) Number Outstanding on (%) Balance Closing Outstanding on (%) Balance CPED
up to and including 40.00% 27.37% 41.01% 18.70% 25.21%
> 40.00% up to and including 45.00% 7.72% 7.87% 6.66% 6.85%
> 45.00% up to and including 50.00% 6.32% 8.99% 6.64% 10.01%
> 50.00% up to and including 55.00% 10.88% 8.43% 10.96% 11.16%
> 55.00% up to and including 60.00% 10.53% 9.55% 10.65% 10.67%
> 60.00% up to and including 65.00% 8.07% 7.30% 8.77% 11.11%
> 65.00% up to and including 70.00% 12.28% 7.30% 13.61% 10.34%
> 70.00% up to and including 75.00% 8.77% 4.49% 11.50% 4.93%
> 75.00% up to and including 80.00% 4.91% 3.37% 8.29% 6.67%
> 80.00% up to and including 85.00% 1.40% 1.69% 1.75% 3.05%
> 85.00% up to and including 90.00% 1.05% 0.00% 1.44% 0.00%
> 90.00% up to and including 95.00% 0.70% 0.00% 1.03% 0.00%
> 95.00% up to and including 100.00% 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)
of Loans on Closing(%) Number of Loans on CPED(%) Number Outstanding on (%) Balance Closing Outstanding on (%) Balance CPED
up to and including 40.00% 37.54% 56.18% 26.12% 39.58%
> 40.00% up to and including 45.00% 4.91% 8.43% 5.61% 10.28%
> 45.00% up to and including 50.00% 9.47% 7.87% 9.34% 12.31%
> 50.00% up to and including 55.00% 7.72% 7.30% 8.67% 8.85%
> 55.00% up to and including 60.00% 11.93% 5.06% 13.28% 7.76%
> 60.00% up to and including 65.00% 4.91% 5.62% 5.20% 7.84%
> 65.00% up to and including 70.00% 8.77% 3.37% 12.08% 5.30%
> 70.00% up to and including 75.00% 4.56% 2.25% 5.51% 3.11%
> 75.00% up to and including 80.00% 4.91% 1.12% 6.11% 1.12%
> 80.00% up to and including 85.00% 3.51% 1.12% 5.51% 1.73%
> 85.00% up to and including 90.00% 1.75% 0.56% 2.57% 0.75%
> 90.00% up to and including 95.00% 0.00% 0.00% 0.00% 0.00%
> 95.00% up to and including 100.00% 0.00% 0.00% 0.00% 0.00%
> 100.00% 0.00% 1.12% 0.00% 1.38%
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.
----- End of picture text -----

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.		 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.		 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.		 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.		 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
up to andincluding $100,000 13.33% 24.72% 2.33% 4.58%
> $100,000 up to andincluding $200,000 24.91% 25.28% 14.51% 16.64%
> $200,000 up to andincluding $300,000 24.56% 20.79% 22.49% 22.85%
> $300,000 up to andincluding $400,000 17.19% 16.29% 21.53% 25.64%
> $400,000 up to andincluding $500,000 12.28% 7.87% 20.27% 15.33%
> $500,000 up to andincluding $600,000 3.86% 1.69% 7.58% 4.13%
> $600,000 up to andincluding $700,000 1.40% 1.69% 3.33% 4.86%
> $700,000 up to andincluding $800,000 0.70% 1.12% 1.93% 3.76%
> $800,000 up to andincluding $900,000 0.35% 0.56% 1.11% 2.19%
> $900,000 up to andincluding $1.00m 1.40% 0.00% 4.92% 0.00%
> $1.00mup to andincluding $1.25m 0.00% 0.00% 0.00% 0.00%
> $1.25mup to andincluding $1.50m 0.00% 0.00% 0.00% 0.00%
> $1.50mup to andincluding $1.75m 0.00% 0.00% 0.00% 0.00%
> $1.75mup to andincluding $2.00m 0.00% 0.00% 0.00% 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 28.70% 27.92% 31.80% 31.94%
VIC 29.61% 27.41% 31.71% 26.15%
TAS 3.63% 4.57% 1.70% 1.71%
QLD 15.71% 14.72% 14.78% 15.16%
SA 6.95% 8.12% 6.35% 8.45%
WA 13.60% 14.21% 11.73% 13.14%
NT 1.81% 3.05% 1.93% 3.45%
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 74.02% 72.08% 80.96% 81.25%
Non Metro 25.98% 27.92% 19.04% 18.75%
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
NSW/ACT - Metro 21.45% 21.32% 26.49% 27.99%
NSW/ACT - Non Metro 7.25% 6.60% 5.31% 3.96%
VIC- Metro 25.08% 23.35% 27.99% 22.71%
VIC- Non Metro 4.53% 4.06% 3.72% 3.44%
TAS- Metro 0.30% 0.51% 0.06% 0.11%
TAS- Non Metro 3.32% 4.06% 1.65% 1.60%
QLD - Metro 8.16% 6.09% 8.55% 8.77%
QLD - Non Metro 7.55% 8.63% 6.23% 6.39%
SA - Metro 5.74% 6.09% 5.60% 7.21%
SA - Non Metro 1.21% 2.03% 0.75% 1.24%
WA - Metro 11.48% 11.68% 10.35% 11.01%
WA - Non Metro 2.11% 2.54% 1.38% 2.12%
NT - Metro 1.81% 3.05% 1.93% 3.45%
NT - Non Metro 0.00% 0.00% 0.00% 0.00%
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
OwnerOccupied (Full Recourse) 79.76% 85.28% 80.86% 85.00%
Residential Investment (Full Recourse) 20.24% 14.72% 19.14% 15.00%
Residential Investment (LimitedRecourse) 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 DocLoans 100.00% 100.00% 100.00% 100.00%
Low DocLoans 0.00% 0.00% 0.00% 0.00%
NoDocLoans 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 93.66% 98.48% 93.07% 96.65%
Interest Only 6.34% 1.52% 6.93% 3.35%
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
AmortisingLoans 93.66% 98.48% 93.07% 96.65%
Interest OnlyLoans:> 0 up to andincluding1years 1.51% 0.51% 1.06% 1.25%
Interest OnlyLoans:>1up to andincluding2years 3.63% 0.00% 4.21% 0.00%
Interest OnlyLoans:>2up to andincluding 3 years 0.91% 0.51% 1.25% 0.80%
Interest OnlyLoans:> 3 up to andincluding4years 0.00% 0.51% 0.00% 1.29%
Interest OnlyLoans:>4up to andincluding 5 years 0.30% 0.00% 0.41% 0.00%
Interest OnlyLoans:> 5 up to andincluding 6 years 0.00% 0.00% 0.00% 0.00%
Interest OnlyLoans:> 6 up to andincluding7years 0.00% 0.00% 0.00% 0.00%
Interest OnlyLoans:>7up to andincluding 8 years 0.00% 0.00% 0.00% 0.00%
Interest OnlyLoans:> 8 up to andincluding 9 years 0.00% 0.00% 0.00% 0.00%
Interest OnlyLoans:> 9 up to andincluding10 years 0.00% 0.00% 0.00% 0.00%
Interest OnlyLoans:>10 years 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
up to andincluding 3.00% 0.00% 44.16% 0.00% 49.64%
> 3.00% up to andincluding 3.25% 0.00% 15.74% 0.00% 16.87%
> 3.25% up to andincluding 3.50% 0.00% 9.64% 0.00% 10.59%
> 3.50% up to andincluding 3.75% 0.30% 24.37% 0.26% 18.68%
> 3.75% up to andincluding4.00% 12.99% 2.03% 17.77% 2.17%
>4.00% up to andincluding4.25% 26.28% 0.51% 29.70% 0.38%
>4.25% up to andincluding4.50% 12.99% 3.55% 14.74% 1.66%
>4.50% up to andincluding4.75% 34.44% 0.00% 26.30% 0.00%
>4.75% up to andincluding 5.00% 6.04% 0.00% 5.08% 0.00%
> 5.00% up to andincluding 5.25% 3.63% 0.00% 3.64% 0.00%
> 5.25% up to andincluding 5.50% 2.11% 0.00% 1.28% 0.00%
> 5.50% up to andincluding 5.75% 1.21% 0.00% 1.22% 0.00%
> 5.75% up to andincluding 6.00% 0.00% 0.00% 0.00% 0.00%
> 6.00% up to andincluding 6.25% 0.00% 0.00% 0.00% 0.00%
> 6.25% up to andincluding 6.50% 0.00% 0.00% 0.00% 0.00%
> 6.50% up to andincluding 6.75% 0.00% 0.00% 0.00% 0.00%
> 6.75% up to andincluding7.00% 0.00% 0.00% 0.00% 0.00%
>7.00% up to andincluding7.25% 0.00% 0.00% 0.00% 0.00%
>7.25% up to andincluding7.50% 0.00% 0.00% 0.00% 0.00%
>7.50% up to andincluding7.75% 0.00% 0.00% 0.00% 0.00%
>7.75% up to andincluding 8.00% 0.00% 0.00% 0.00% 0.00%
> 8.00% up to andincluding 8.25% 0.00% 0.00% 0.00% 0.00%
> 8.25% up to andincluding 8.50% 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
<= 1 Year Fixed 3.93% 4.57% 4.03% 5.43%
<= 2 Year Fixed 2.42% 1.02% 3.78% 1.47%
<=3Year Fixed 0.00% 1.52% 0.00% 2.31%
<= 4 Year Fixed 0.00% 0.00% 0.00% 0.00%
<=5Year Fixed 0.00% 0.51% 0.00% 1.00%
> 5Year Fixed 0.00% 0.00% 0.00% 0.00%
Total FixedRate 6.34% 7.61% 7.81% 10.21%
Total VariableRate 93.66% 92.39% 92.19% 89.79%
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
Alterations to existing dwelling 0.91% 1.02% 0.79% 0.81%
Business / Commercial/Investment 0.00% 0.00% 0.00% 0.00%
Constructionofa dwelling (constructioncompleted) 5.14% 6.09% 6.78% 7.69%
Purchase ofestablished dwelling 25.98% 28.93% 28.84% 29.95%
Purchase of newerected dwelling 3.32% 2.54% 3.69% 2.97%
Refinancing existing debtfromanother lender 15.71% 14.21% 14.81% 12.76%
Refinancing existing debtwith ANZ 31.12% 32.49% 29.80% 31.41%
Other 17.82% 14.72% 15.29% 14.42%
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
up to andincluding 3months 0.00% 0.00% 0.00% 0.00%
> 3 up to andincluding 6months 0.00% 0.00% 0.00% 0.00%
> 6 up to andincluding 9months 0.00% 0.00% 0.00% 0.00%
> 9 up to andincluding12 months 0.00% 0.00% 0.00% 0.00%
>12up to andincluding15months 1.21% 0.00% 2.37% 0.00%
>15 up to andincluding18months 1.51% 0.00% 0.58% 0.00%
>18 up to andincluding21 months 0.91% 0.00% 1.10% 0.00%
>21up to andincluding24 months 1.21% 0.00% 1.37% 0.00%
>24up to andincluding27 months 0.30% 0.00% 0.59% 0.00%
>27up to andincluding 30months 1.21% 0.00% 1.66% 0.00%
> 30 up to andincluding 33months 1.51% 0.00% 2.75% 0.00%
> 33 up to andincluding 36months 6.04% 0.00% 5.85% 0.00%
> 36 up to andincluding48months 31.42% 2.03% 32.89% 4.23%
>48 up to andincluding 60months 17.82% 4.57% 17.41% 6.09%
> 60 up to andincluding72 months 11.48% 24.87% 10.83% 25.19%
>72up to andincluding 84 months 9.37% 20.30% 8.30% 23.93%
> 84up to andincluding 96months 8.16% 14.21% 8.09% 11.32%
> 96 up to andincluding108months 4.53% 10.66% 3.90% 10.29%
>108 up to andincluding120months 1.81% 13.20% 1.30% 11.75%
>120months 1.51% 10.15% 1.01% 7.21%
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
up to andincluding1year 0.00% 0.00% 0.00% 0.00%
>1up to andincluding2years 0.00% 0.00% 0.00% 0.00%
>2up to andincluding 3 years 0.30% 0.51% 0.02% 0.01%
> 3 up to andincluding4years 0.00% 0.51% 0.00% 0.01%
>4up to andincluding 5 years 0.60% 0.51% 0.03% 0.00%
> 5 up to andincluding 6 years 0.60% 0.00% 0.07% 0.00%
> 6 up to andincluding7years 0.91% 0.51% 0.07% 0.09%
>7up to andincluding 8 years 0.00% 0.00% 0.00% 0.00%
> 8 up to andincluding 9 years 0.60% 1.52% 0.23% 0.53%
> 9 up to andincluding10 years 0.60% 0.00% 0.09% 0.00%
>10 up to andincluding15 years 3.32% 8.12% 2.04% 5.35%
>15 up to andincluding20 years 9.06% 21.83% 8.63% 18.21%
>20 up to andincluding25 years 39.27% 60.41% 37.74% 65.87%
>25 up to andincluding 30 years 44.71% 6.09% 51.08% 9.94%
> 30 years 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) 98.19% 97.46% 97.95% 97.16%
> 0 days up to andincluding 30 days 1.81% 0.51% 2.05% 0.65%
> 30 days up to andincluding 60 days 0.00% 0.51% 0.00% 0.89%
> 60 days up to andincluding 90 days 0.00% 0.00% 0.00% 0.00%
> 90 days up to andincluding120 days 0.00% 1.02% 0.00% 0.84%
>120 days up to andincluding150 days 0.00% 0.00% 0.00% 0.00%
>150 days up to andincluding180 days 0.00% 0.00% 0.00% 0.00%
>180 days 0.00% 0.51% 0.00% 0.46%
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 Balance
of Loans 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 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 $ -
NetLosses 0 $ -
Mortgage Pool by Payment Frequency
(%) Number
of Loans on Closing		 (%) Number
of Loans on CPED		 (%) Balance
Outstanding on
Closing		 (%) Balance
Outstanding on
CPED
Weekly 18.43% 20.81% 17.40% 17.61%
Fortnightly 47.43% 50.25% 44.53% 48.38%
Monthly 34.14% 28.93% 38.07% 34.01%
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 LendersMortgageInsurance 11.78% 11.68% 10.94% 11.66%
QBE LendersMortgageInsurance 0.00% 0.00% 0.00% 0.00%
Genworth MortgageInsurance CompanyPtyLtd 0.00% 0.00% 0.00% 0.00%
Other 0.00% 0.00% 0.00% 0.00%
NoLendersMortgageInsurance 88.22% 88.32% 89.06% 88.34%
Total 100.00% 100.00% 100.00% 100.00%
DISCLAIMER
European Union Capital Requirements Regulation retention of interest report for Kingfisher Trust 2019-1
Issue Date: 19 June 2019
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.

Page 12 of 12

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