MYSTATE LIMITED — Audit Report / Information 2012

Sep 6, 2012

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Public Disclosure of Prudential Information in accordance with APRA Prudential Standard APS 330

Capital Structure as at 30 June 2012

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----- Start of picture text ----- General Reserves -Retained Earnings 155.4MPaid Up Ordinary Share Capital 92.5MGross Tier 1 Capital 247.9MDeductions from Tier 1 CapitalDeferred Tax Assets 4.9MUnrealised Fair Value Gains Losses on (2.3)MCash Flow HedgesGoodwill 19.8MIntangibles 5.8MEquity Investments in Other ADI 1.8MEquity Investments in Non-consolidated 19.6MSubsidiariesTier 1 Specific Deductions 0.7MDeductions from Tier 1 Capital Due to 14.6MShortfall in Tier 2 CapitalTotal Deductions from Tier 1 Capital 64.9MNet Tier 1 Capital 183.1MTier 2 (net of deductions) -Total Capital Base 183.1M----- End of picture text -----

Capital Adequacy Requirements as at 30 June 2012

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----- Start of picture text ----- Credit risk capital requirements (risk weighted assets)On Balance SheetDeposits with banks and other ADI's 113.6MClaims against eligible residential mortgages 892.2MOther Assets 104.6MOff Balance SheetCommitments and guarantees 61.0MTotal Credit Risk Weighted Assets [#1] 1,171.3MMarket Risk -Operational Risk 106.6MTotal Risk Weighted Assets 1,277.9MTotal Capital Ratio - Consolidated Group 14.14%Tier 1 Capital Ratio - Consolidated Group 14.14%----- End of picture text -----

#1 Includes $106M of securitised assets not meeting the operational requirement for capital relief and are reported as on balance sheet assets.

Credit Risk Exposure as at 30 June 2012

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----- Start of picture text ----- Committments andoff balance sheetLoans and Advances exposures TotalGross Credit risk Exposure 2,275.6M 230.7M 2,506.3MQuarterly Average Gross Exposure 2,188.0M 216.3M 2,404.3MAmount Impaired 4.7M - 4.7MAmount Past Due 8.6M - 8.6MSpecific Provision 1.6M - 1.6MCharges written off during the period 1.4M - 1.4MGeneral reserve for credit Losses 4.9M----- End of picture text -----

MyState Limited ABN 26 133 623 962 is a non-operating holding company with MyState Financial Limited and The Rock Building Society Limited as wholly owned subsidiaries.