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10
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CE
T1
(%
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CE
T1
($
bn
)
CET1(LHS, $bn)
CET1(RHS, %)
APRACET1 Mininc CCBbufferapplicableto D-SIBs(RHS, %)
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106 8
(67)
(6) (8) (1) (7) (33)
(7) (5) (10)10.4%
10.1%
Dec 17APRA
Dividends(Net of DRP)
CashNPAT
CreditRWA
MarketRWA
IRRBBRWA
UnderlyingOperational
RWA
AUSTRACPenalty
OperationalRWA
Adjustments
ColonialDebt
BoCommCapital
Injection
Other Jun 18APRA
Organic Capital Generation +32 bpts One-off items (52) bpts
1 1 2
Contribution to change in APRA CET1 ratio:
1. Of the $700m total penalty announced 4 June 2018, $375m was provided for in the Dec-17 (1H18) results. The additional $325m (-7bpts) for the AUSTRAC civil penalty has been shown
separately in one-off items.
2. Includes APRA’s requirement to increase operational risk regulatory capital (-28bpts) and movement of Wealth Management Advice business to the regulatory consolidated group (-5bpts)
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