MYSTATE LIMITED — Audit Report / Information 2013

Oct 14, 2013

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

Capital Structure as at 30 June 2013

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----- Start of picture text ----- General Reserves -Retained Earnings 161.9MPaid Up Ordinary Share Capital 93.0MAccumulated Other Comprehensive 4.6MIncome and Other ReservesGross Tier 1 Capital 259.5MDeductions from Tier 1 CapitalDeferred Tax Assets 4.5MUnrealised Fair Value Gains Losses on -Cash Flow HedgesGoodwill 19.8MIntangibles 10.8MEquity Investments in Other ADI 3.6MEquity Investments in Non- 39.0Mconsolidated SubsidiariesOther 0.7MTotal Deductions from Tier 1 Capital 78.4MNet Tier 1 Capital 181.1MTier 2 Capital 4.5MTotal Capital Base 185.6M----- End of picture text -----

Capital Adequacy Requirements as at 30 June 2013

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----- Start of picture text ----- Credit risk capital requirements (risk weighted assets)On Balance SheetDeposits with banks and other ADI's 87.2MClaims against eligible residential mortgages 940.7MOther Assets 106.8MOff Balance SheetCommitments and guarantees 45.3MTotal Credit Risk Weighted Assets [#1] 1,180.0MSecuritisation Exposures 5.4MMarket Risk -Operational Risk 136.6MTotal Risk Weighted Assets 1,322.0MTotal Capital Ratio - Consolidated Group 14.04%Tier 1 Capital Ratio - Consolidated Group 13.70%----- End of picture text -----

#1 Includes $100M 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 2013

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----- Start of picture text ----- Committments andoff balance sheetLoans and Advances exposures TotalGross Credit risk Exposure 2,406.4M 238.0M 2,644.4MQuarterly Average Gross Exposure 2,401.4M 234.1M 2,635.5MAmount Impaired 3.9M - 3.9MAmount Past Due 2.8M - 2.8MSpecifi c Provision 0.6M - 0.6MCharges Written Off During the Period 1.0M - 1.0MGeneral Reserve for Credit Losses 4.5M----- 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.