MYSTATE LIMITED — Audit Report / Information 2012

Mar 5, 2013

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

Capital Structure as at 31 December 2012

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----- Start of picture text ----- General Reserves -Retained Earnings 159.1MPaid Up Ordinary Share Capital 92.9MGross Tier 1 Capital 252.0MDeductions from Tier 1 CapitalDeferred Tax Assets 4.7MUnrealised Fair Value Gains Losses on -Cash Flow HedgesGoodwill 19.8MIntangibles 7.8MEquity Investments in Other ADI 1.8MEquity Investments in Non- 19.6Mconsolidated SubsidiariesTier 1 Specifi c Deductions 0.8MDeductions from Tier 1 Capital Due to 14.8MShortfall in Tier 2 CapitalTotal Deductions from Tier 1 Capital 69.3MNet Tier 1 Capital 182.7MTier 2 (net of deductions) -Total Capital Base 182.7M----- End of picture text -----

Capital Adequacy Requirements as at 31 December 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 106.2MClaims against eligible residential mortgages 932.9MOther Assets 94.2MOff Balance SheetCommitments and guarantees 40.4MTotal Credit Risk Weighted Assets [#1] 1,173.7MSecuritisation Exposures 6.6MMarket Risk -Operational Risk 124.2MTotal Risk Weighted Assets 1,304.5MTotal Capital Ratio - Consolidated Group 14.01%Tier 1 Capital Ratio - Consolidated Group 14.01%----- End of picture text -----

#1 Includes $104M of securitised assets not meeting the operational requirement for capital relief and are reported as on balance sheet assets.

Credit Risk Exposure as at 31 December 2012

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----- Start of picture text ----- Committments andoff balance sheetLoans and Advances exposures TotalGross Credit risk Exposure 2,377.9M 237.3M 2,615.2MQuarterly Average Gross Exposure 2,354.2M 239.0M 2,593.2MAmount Impaired 6.4M - 6.4MAmount Past Due 3.4M - 3.4MSpecifi c Provision 1.0M - 1.0MCharges written off during the period 1.0M - 1.0MGeneral reserve for credit Losses 4.6M----- 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.