Past due loans

Loans outstanding for more than 90 days

Payout ratio – cash earnings

Ordinary shares (net of treasury shares) at the end of the period multiplied by the ordinary dividend per share for the period divided by cash earnings

Payout ratio – net profit after tax

Ordinary shares (net of treasury shares) at the end of the period multiplied by the ordinary dividend per share for the period divided by profit after tax

Prescribed capital amount (PCA)

This comprises the sum of the capital charges for asset risk, asset concentration risk, insurance risk, insurance concentration risk, operational risk, combined stress scenario and aggregation benefit as required by APRA

Profit after tax from functions

The net profit after tax for the Insurance (Australia), Banking & Wealth and New Zealand functions