Kingfisher Trust 2016-1: 03 December 2016

An RMBS transaction where ANZBGL is the Seller, the Servicer, the Custodian, the Derivative Counterparty and the Liquidity Facility Provider.

Eligibility criteria (includes): it is due from an obligor who is a natural person and is a resident of Australia; it is repayable in Australian Dollars; it is fully drawn; the receivable is secured by a mortgage over property in Australia which is a registered first ranking mortgage, or a second ranking registered mortgage where there are two registered mortgages over the property securing the receivable and the seller is the first ranking mortgagee, and the first ranking mortgage is also being acquired by the Issuer; is not in arrears by more than 31 days; is not regarded as a “low-doc” loan.

As at the cut-off date (31 October 2016), the portfolio consisted of 8,163 fully-documented consolidated loans (8,943 unconsolidated), where the average loan size is A$245,007 and the largest is for A$1.774mln. Occupancy Status: Owner Occupied 81.15%, Residential Investment 18.85%. Payment Type: P&I 88.60%, Interest Only 11.40%. Mortgage Insurance: ANZ Lenders Mortgage Insurance 12.00%, No Lenders Mortgage Insurance 88.00%. The WA ILVR is 46.61% and the WA LVR is 53.60%. The WA seasoning is 45.10 months. Regional concentration: Victoria 33.70%, NSW/ACT 29.26% and Queensland 13.86%.

CRR 405: ANZBGL (as the originator of the mortgage loans to be securitised) will undertake to hold, in accordance with Article 405 of the CRR, a net economic interest in this securitisation transaction. As at the closing date, such interest will be comprised of an interest in randomly selected exposures equivalent to no less than 5% of the aggregate principal balance of the securitised exposures in accordance with Article 405 paragraph (1) sub-paragraph (c).