24 Nov

Kingfisher Trust 2016-1 Investor Report

Level 5, 242 Pitt Street Sydney NSW 2000 Telephone 61 2 8037 0642 ANZ Capel Court Limited ABN 30 004 768 807 24 November 2021 Kingfisher Trust 2016-1 (ASX code: KIG) Investor Report ANZ Capel Court Limited (‘the Company’) is the Trust Manager for the Kingfisher Trust 2016-1. In accordance with ASX Listing Rule 3.17, please find the monthly Investor Report. Authorised for disclosure by Veronica Katz, Manager SCM Trade Services, ANZ Institutional ABN 30 004 768 807 Level 5, 242 Pitt Street Sydney NSW 2000 Reporting Dates Determination Date*: 19 Nov 2021 Payment Date*: 24 Nov 2021 Next Payment Date*: 24 Dec 2021 Issue Date: 01 Dec 2016 Record Date*: 20 Nov 2021 Current Collection Period: Collection Period Start Date: 01 Oct 2021 Collection Period End Date: 01 Nov 2021 No. of days in the Collection Period: 32 Current Interest Period: Interest Period Start Date (inclusive): 25 Oct 2021 Interest Period End Date (exclusive): 24 Nov 2021 No. of days in the Interest Period: 30 *Business Days for banks in Melbourne and Sydney, Australia Transaction Party List Trustee: Perpetual Corporate Trust Limited Security Trustee: P.T. Limited Servicer: Australia & New Zealand Banking Group Limited Manager: ANZ Capel Court Limited Liquidity Facility Provider: Australia & New Zealand Banking Group Limited Bank Account Provider: Australia & New Zealand Banking Group Limited Swap Facility Provider: Australia & New Zealand Banking Group Limited Note Overview Bloomberg Ticker Intex ISIN Maturity Date Rating Agency Rating Redraw Notes N/A N/A N/A N/A N/A N/A Class A1 AU3FN0033510 24 Nov 2048 Moody's / Fitch Aaa(sf)/AAAsf Class A2 AU3FN0033528 24 Nov 2048 Moody's / Fitch Aaa(sf)/AAAsf Class B AU3FN0033536 24 Nov 2048 Moody's Aa1(sf) Class C AU3FN0033544 24 Nov 2048 Moody's Aa2(sf) Class D AU3FN0033551 24 Nov 2048 Moody's A1(sf) Class E AU3FN0033569 24 Nov 2048 Moody's Baa1(sf) Class F AU3FN0033577 24 Nov 2048 Not rated Not rated Interest Summary - Current Interest Period Opening Invested Amount 1M BBSW Rate Margin Interest Rate Interest per Certificate Interest Amount Redraw Notes N/A N/A N/A N/A N/A N/A Class A1 495,052,051.16 $ 0.0100% 1.0700% 1.0800% 2.39 $ 439,443.46 $ Class A2 41,372,048.78 $ 0.0100% 1.6000% 1.6100% 7.82 $ 54,747.12 $ Class B 28,369,404.88 $ 0.0100% 2.2500% 2.2600% 10.98 $ 52,697.14 $ Class C 8,274,409.77 $ 0.0100% 2.7500% 2.7600% 13.41 $ 18,770.44 $ Class D 7,092,351.22 $ 0.0100% 3.7500% 3.7600% 18.27 $ 21,918.28 $ Class E 4,728,234.13 $ 0.0100% 4.7500% 4.7600% 23.12 $ 18,498.41 $ Class F 4,728,234.16 $ 0.0100% 6.0000% 6.0100% 29.20 $ 23,356.18 $ Total 589,616,734.10 $ 629,431.03 $ Principal Summary Opening Invested Amount Opening Note Factor Principal per Certificate Total Principal Amount Closing Invested Amount Closing Note Factor Redraw Notes N/A N/A N/A N/A N/A N/A Class A1 495,052,051.16 $ 0.26905003 64.17 $ 11,806,823.41 $ 483,245,227.75 $ 0.26263328 Class A2 41,372,048.78 $ 0.59102927 140.96 $ 986,709.32 $ 40,385,339.46 $ 0.57693342 Class B 28,369,404.88 $ 0.59102927 140.96 $ 676,600.68 $ 27,692,804.20 $ 0.57693342 Class C 8,274,409.77 $ 0.59102927 140.96 $ 197,341.86 $ 8,077,067.91 $ 0.57693342 Class D 7,092,351.22 $ 0.59102927 140.96 $ 169,150.17 $ 6,923,201.05 $ 0.57693342 Class E 4,728,234.13 $ 0.59102927 140.96 $ 112,766.78 $ 4,615,467.35 $ 0.57693342 Class F 4,728,234.16 $ 0.59102927 140.96 $ 112,766.78 $ 4,615,467.38 $ 0.57693342 Total 589,616,734.10 $ 14,062,159.00 $ 575,554,575.10 $ Note Charge off Summary Opening Invested Amount Opening Carryover Charge offs Opening Stated Amount Principal Charge offs Current Collection Period Reimbursement of Carryover Charge offs Closing Stated Amount Redraw Notes N/A N/A N/A N/A N/A N/A Class A1 495,052,051.16 $ 0.00 $ 495,052,051.16 $ 0.00 $ 0.00 $ 483,245,227.75 $ Class A2 41,372,048.78 $ 0.00 $ 41,372,048.78 $ 0.00 $ 0.00 $ 40,385,339.46 $ Class B 28,369,404.88 $ 0.00 $ 28,369,404.88 $ 0.00 $ 0.00 $ 27,692,804.20 $ Class C 8,274,409.77 $ 0.00 $ 8,274,409.77 $ 0.00 $ 0.00 $ 8,077,067.91 $ Class D 7,092,351.22 $ 0.00 $ 7,092,351.22 $ 0.00 $ 0.00 $ 6,923,201.05 $ Class E 4,728,234.13 $ 0.00 $ 4,728,234.13 $ 0.00 $ 0.00 $ 4,615,467.35 $ Class F 4,728,234.16 $ 0.00 $ 4,728,234.16 $ 0.00 $ 0.00 $ 4,615,467.38 $ Total 589,616,734.10 $ 0.00 $ 589,616,734.10 $ 0.00 $ 0.00 $ 575,554,575.10 $ ANZ Capel Court Limited Kingfisher Trust 2016-1 Investor Report KINGF Mtge  KFT16001 Pre Event of Default Cashflow Waterfall Report Calculation of Total Available Income (i) Finance Charge Collections 1,602,458.95 $ (ii) Interest received on Trust Account 0.09 $ (iii) Income on Authorised Investments 0.00 $ (iv) Net Swap receipt by the Trust (Basis and Fixed Rate Swap) 0.00 $ (v) All other amounts in the nature of income not included above 1,230.00 $ Available Income 1,603,689.04 $ Calculation of Total Available Income (i) Available Income 1,603,689.04 $ (ii) Principal Draw 0.00 $ (iii) Liquidity Draw 0.00 $ Total Available Income 1,603,689.04 $ Application of Total Available Income (i) Payment to Participation Unitholder (first $1.00) 1.00 $ (ii) Accrual Adjustment to the Seller (to the extent not netted) 0.00 $ (iii) Senior Fees and Expenses 161,760.26 $ (iv) (pari passu and rateably) (a) Net Swap due to each Derivative Counterparty excluding break costs & payments to defaulting counterparty 399,936.68 $ (b) Liquidity Facility - Interest and Fees 2,423.08 $ (v) Reimbursement of Liquidity Draws 0.00 $ (vi) (pari passu and rateably) (a) Class A1 Note Interest (current & unpaid) 439,443.46 $ (b) Redraw Notes Interest (current & unpaid) 0.00 $ (vii) Class A2 Note Interest (current & unpaid) 54,747.12 $ (viii) Class B Note Senior Interest (current & unpaid) 52,697.14 $ (ix) Class C Note Senior Interest (current & unpaid) 18,770.44 $ (x) Class D Note Senior Interest (current & unpaid) 21,918.28 $ (xi) Class E Note Senior Interest (current & unpaid) 18,498.41 $ (xii) Class F Note Senior Interest (current & unpaid) 23,356.18 $ (xiii) Repayment of Principal Draw 0.00 $ (xiv) Reimbursement of Losses in the immediately preceding Collection Period 0.00 $ (xv) Reinstatement of Carryover Charge-offs 0.00 $ (xvi) Class B Note Residual Interest (current & unpaid) 0.00 $ (xvii) Class C Note Residual Interest (current & unpaid) 0.00 $ (xviii) Class D Note Residual Interest (current & unpaid) 0.00 $ (xix) Class E Note Residual Interest (current & unpaid) 0.00 $ (xx) Class F Note Residual Interest (current & unpaid) 0.00 $ (xxi) (pari passu and rateably) (a) Any other amounts payable to the Derivative Counterparty 0.00 $ (b) Any other amounts payable to the Liquidity Facility Provider 0.00 $ (xxii) Tax Shortfall payable 0.00 $ (xxiii) Tax Amount payable 0.00 $ (xiv) Surplus distributed to the Participation Unitholder 410,136.99 $ Total Available Income Applied 1,603,689.04 $ Facilities Outstanding Principal Draw Opening Principal Draw Outstanding 0.00 $ Principal Draw Current Period 0.00 $ Repayment of Principal Draw Current Period 0.00 $ Closing Principal Draw Outstanding 0.00 $ Liquidity Facility Opening Liquidity Facility Limit 5,896,167.34 $ Liquidity Facility Drawn from Prior Period(s) 0.00 $ Liquidity Facility Draw Current Period 0.00 $ Repayment of Liquidity Facility Current Period 0.00 $ Closing Liquidity Facility Drawn Balance 0.00 $ Reduction in Liquidity Facility Limit (140,621.59) $ Closing Liquidity Facility Limit 5,755,545.75 $ Total Available Principal (i) Principal Collections 16,900,572.09 $ Scheduled Principal Collections 3,068,723.11 $ Unscheduled Principal Collections 13,831,848.98 $ (ii) Total Available Income to be applied towards repayment of Principal Draws 0.00 $ (iii) Total Available Income to be applied towards reimbursement of losses for the immediately preceding Collection Period 0.00 $ (iv) Total Available Income to be applied towards reimbursement of Carryover Charge offs 0.00 $ (v) Surplus Proceeds from Redraw Notes 0.00 $ (vi) Surplus Proceeds upon Issuance of Notes on the Closing Date 0.00 $ (vii) Less any amount applied by the Servicer to fund Redraws & Permitted Further Advances during the Collection Period (a) Redraws (2,805,403.29) $ (b) Permitted Further Advances (33,009.79) $ Total Available Principal 14,062,159.01 $ Application of Total Available Principal (i) Reimbursement of Redraws and Permitted Further Advances made by the Seller 0.00 $ (ii) Repayment of Redraw Notes 0.00 $ (iii) Principal Draw 0.00 $ Apply Remaining Total Available Principal rateably and pari passu? YES (iv) Repayment of the Class A1 Notes 11,806,823.41 $ (v) Repayment of the Class A2 Notes 986,709.32 $ (vi) Repayment of the Class B Notes 676,600.68 $ (vii) Repayment of the Class C Notes 197,341.86 $ (viii) Repayment of the Class D Notes 169,150.17 $ (ix) Repayment of the Class E Notes 112,766.78 $ (x) Repayment of the Class F Notes 112,766.78 $ (xi) Surplus distribution to the Residual Unitholder 0.01 $ Total Available Principal Applied 14,062,159.01 $ Note Summary Redraw Notes (AUD) Opening Unpaid Interest Amount N/A Interest on Unpaid Interest Amount N/A Interest Amount Due - current period N/A Total Interest Amount Paid on Payment Date N/A Closing Unpaid Interest Amount N/A Initial Invested Amount N/A Opening Invested Amount N/A Principal Repayment - current period N/A Closing Invested Amount N/A Opening Carryover Charge offs N/A Opening Stated Amount N/A Charge offs - current period N/A Reimbursement of Charge offs - current period N/A Closing Carryover Charge offs N/A Closing Stated Amount N/A Class A1 Notes (AUD) Opening Unpaid Interest Amount 0.00 $ Interest on Unpaid Interest Amount 0.00 $ Interest Amount Due - current period 439,443.46 $ Total Interest Amount Paid on Payment Date 439,443.46 $ Closing Unpaid Interest Amount 0.00 $ Initial Invested Amount 1,840,000,000.00 $ Opening Invested Amount 495,052,051.16 $ Principal Repayment - current period 11,806,823.41 $ Closing Invested Amount 483,245,227.75 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 495,052,051.16 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 483,245,227.75 $ Class A2 Notes (AUD) Opening Unpaid Interest Amount 0.00 $ Interest on Unpaid Interest Amount 0.00 $ Interest Amount Due - current period 54,747.12 $ Total Interest Amount Paid on Payment Date 54,747.12 $ Closing Unpaid Interest Amount 0.00 $ Initial Invested Amount 70,000,000.00 $ Opening Invested Amount 41,372,048.78 $ Principal Repayment - current period 986,709.32 $ Closing Invested Amount 40,385,339.46 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 41,372,048.78 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 40,385,339.46 $ Class B Notes (AUD) Opening Unpaid Senior Interest Amount 0.00 $ Interest on Unpaid Senior Interest Amount 0.00 $ Senior Interest Amount Due - current period 52,697.14 $ Total Senior Interest Amount Paid on Payment Date 52,697.14 $ Closing Unpaid Senior Interest Amount 0.00 $ Opening Unpaid Residual Interest Amount 0.00 $ Interest on Unpaid Residual Interest Amount 0.00 $ Residual Interest Amount Due - current period 0.00 $ Total Residual Interest Amount Paid on Payment Date 0.00 $ Closing Unpaid Residual Interest Amount 0.00 $ Initial Invested Amount 48,000,000.00 $ Opening Invested Amount 28,369,404.88 $ Principal Repayment - current period 676,600.68 $ Closing Invested Amount 27,692,804.20 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 28,369,404.88 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 27,692,804.20 $ Note Summary (continued…) Class C Notes (AUD) Opening Unpaid Senior Interest Amount 0.00 $ Interest on Unpaid Senior Interest Amount 0.00 $ Senior Interest Amount Due - current period 18,770.44 $ Total Senior Interest Amount Paid on Payment Date 18,770.44 $ Closing Unpaid Senior Interest Amount 0.00 $ Opening Unpaid Residual Interest Amount 0.00 $ Interest on Unpaid Residual Interest Amount 0.00 $ Residual Interest Amount Due - current period 0.00 $ Total Residual Interest Amount Paid on Payment Date 0.00 $ Closing Unpaid Residual Interest Amount 0.00 $ Initial Invested Amount 14,000,000.00 $ Opening Invested Amount 8,274,409.77 $ Principal Repayment - current period 197,341.86 $ Closing Invested Amount 8,077,067.91 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 8,274,409.77 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 8,077,067.91 $ Class D Notes (AUD) Opening Unpaid Senior Interest Amount 0.00 $ Interest on Unpaid Senior Interest Amount 0.00 $ Senior Interest Amount Due - current period 21,918.28 $ Total Senior Interest Amount Paid on Payment Date 21,918.28 $ Closing Unpaid Senior Interest Amount 0.00 $ Opening Unpaid Residual Interest Amount 0.00 $ Interest on Unpaid Residual Interest Amount 0.00 $ Residual Interest Amount Due - current period 0.00 $ Total Residual Interest Amount Paid on Payment Date 0.00 $ Closing Unpaid Residual Interest Amount 0.00 $ Initial Invested Amount 12,000,000.00 $ Opening Invested Amount 7,092,351.22 $ Principal Repayment - current period 169,150.17 $ Closing Invested Amount 6,923,201.05 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 7,092,351.22 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 6,923,201.05 $ Class E Notes (AUD) Opening Unpaid Senior Interest Amount 0.00 $ Interest on Unpaid Senior Interest Amount 0.00 $ Senior Interest Amount Due - current period 18,498.41 $ Total Senior Interest Amount Paid on Payment Date 18,498.41 $ Closing Unpaid Senior Interest Amount 0.00 $ Opening Unpaid Residual Interest Amount 0.00 $ Interest on Unpaid Residual Interest Amount 0.00 $ Residual Interest Amount Due - current period 0.00 $ Total Residual Interest Amount Paid on Payment Date 0.00 $ Closing Unpaid Residual Interest Amount 0.00 $ Initial Invested Amount 8,000,000.00 $ Opening Invested Amount 4,728,234.13 $ Principal Repayment - current period 112,766.78 $ Closing Invested Amount 4,615,467.35 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 4,728,234.13 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 4,615,467.35 $ Class F Notes (AUD) Opening Unpaid Senior Interest Amount 0.00 $ Interest on Unpaid Senior Interest Amount 0.00 $ Senior Interest Amount Due - current period 23,356.18 $ Total Senior Interest Amount Paid on Payment Date 23,356.18 $ Closing Unpaid Senior Interest Amount 0.00 $ Opening Unpaid Residual Interest Amount 0.00 $ Interest on Unpaid Residual Interest Amount 0.00 $ Residual Interest Amount Due - current period 0.00 $ Total Residual Interest Amount Paid on Payment Date 0.00 $ Closing Unpaid Residual Interest Amount 0.00 $ Initial Invested Amount 8,000,000.00 $ Opening Invested Amount 4,728,234.16 $ Principal Repayment - current period 112,766.78 $ Closing Invested Amount 4,615,467.38 $ Opening Carryover Charge offs 0.00 $ Opening Stated Amount 4,728,234.16 $ Charge offs - current period 0.00 $ Reimbursement of Charge offs - current period 0.00 $ Closing Carryover Charge offs 0.00 $ Closing Stated Amount 4,615,467.38 $ Pool Summary Collection Period End Date 01 Nov 2021 Current Aggregate Principal Balance (AUD) 575,554,575 $ Total Property Value 1,871,080,828 $ Number of (Eligible) Security Properties 3,512 Number of (Eligible) Debtors 5,326 Number of Loans (Unconsolidated) 3,676 Number of Loans (Consolidated) 3,415 Average Loan Size (Consolidated) 168,537 $ Maximum Loan Balance (Consolidated) 1,321,747 $ Weighted Average Consolidated Current Loan to Value Ratio (LVR) 42.67% Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) 34.55% Maximum Consolidated Current Loan To Value Ratio (LVR) 128.59% W eighted Average Interest Rate 3.21% Weighted Average Seasoning (Months) 104.38 Weighted Average Remaining Term (Months) 236.73 Maximum Current Remaining Term (Months) 292.00 Pool Summary - (Subset 1: Loans with LRHs due to Covid-19)* Current Aggregate Principal Balance (AUD) $ 4,158,318.41 Percentage Deferrals by balance 0.72% Number of Deferred Loans (Unconsolidated) 18 Number of Deferred Loans (Consolidated) 18 Percentage of Deferred Loans by number (Consolidated) 0.53% Average Loan Size (Consolidated) $ 231,017.69 Maximum Loan Balance (Consolidated) $ 399,882.55 Weighted Average Consolidated Current Loan to Value Ratio (LVR) 60.17% Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) 47.26% W eighted Average Interest Rate 3.28% Weighted Average Seasoning (Months) 99.40 Weighted Average Remaining Term (Months) 243.10 Owner Occupier/Investment Loan split by balance 80%/20% P&I / IO split by balance 100%/0% Prepayment Information* Prepayment History 1 Month 3 Month 6 Month 12 Month Cumulative Prepayment History (CPR) 20.31% 17.32% 17.10% 17.08% 18.34% Prepayment History (SMM) 1.87% 1.57% 1.55% 1.55% 1.67% *CPR is Constant Prepayment Rate, SMM is Single Monthly Mortality Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR) Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding up to and including 40.00% 2,020 59.15% 249,296,080 $ 43.31% > 40.00% up to and including 45.00% 281 8.23% 59,891,575 $ 10.41% > 45.00% up to and including 50.00% 260 7.61% 62,543,180 $ 10.87% > 50.00% up to and including 55.00% 243 7.12% 57,689,838 $ 10.02% > 55.00% up to and including 60.00% 209 6.12% 47,830,409 $ 8.31% > 60.00% up to and including 65.00% 177 5.18% 43,317,131 $ 7.53% > 65.00% up to and including 70.00% 128 3.75% 28,728,775 $ 4.99% > 70.00% up to and including 75.00% 61 1.79% 15,726,494 $ 2.73% > 75.00% up to and including 80.00% 28 0.82% 8,552,228 $ 1.49% > 80.00% up to and including 85.00% 5 0.15% 1,137,476 $ 0.20% > 85.00% up to and including 90.00% 2 0.06% 687,083 $ 0.12% > 90.00% up to and including 95.00% 0 0.00% - $ 0.00% > 95.00% up to and including 100.00% 0 0.00% - $ 0.00% > 100.00% 1 0.03% 154,306 $ 0.03% Total 3,415 100.00% 575,554,575 $ 100.00% Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)* Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding up to and including 40.00% 2,580 75.55% 380,124,418 $ 66.04% > 40.00% up to and including 45.00% 237 6.94% 53,700,977 $ 9.33% > 45.00% up to and including 50.00% 190 5.56% 43,516,320 $ 7.56% > 50.00% up to and including 55.00% 135 3.95% 32,059,067 $ 5.57% > 55.00% up to and including 60.00% 86 2.52% 20,040,972 $ 3.48% > 60.00% up to and including 65.00% 65 1.90% 15,819,155 $ 2.75% > 65.00% up to and including 70.00% 44 1.29% 11,806,592 $ 2.05% > 70.00% up to and including 75.00% 22 0.64% 5,139,716 $ 0.89% > 75.00% up to and including 80.00% 17 0.50% 4,429,961 $ 0.77% > 80.00% up to and including 85.00% 12 0.35% 2,652,432 $ 0.46% > 85.00% up to and including 90.00% 8 0.23% 2,014,376 $ 0.35% > 90.00% up to and including 95.00% 5 0.15% 1,094,738 $ 0.19% > 95.00% up to and including 100.00% 0 0.00% - $ 0.00% > 100.00% 14 0.41% 3,155,852 $ 0.55% Total 3,415 100.00% 575,554,575 $ 100.00% Mortgage Pool by Consolidated Loan Balance Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding up to and including $100,000 1,100 32.21% 49,433,133 $ 8.59% > $100,000 up to and including $200,000 1,135 33.24% 169,759,101 $ 29.49% > $200,000 up to and including $300,000 747 21.87% 182,565,187 $ 31.72% > $300,000 up to and including $400,000 279 8.17% 95,101,936 $ 16.52% > $400,000 up to and including $500,000 100 2.93% 44,022,964 $ 7.65% > $500,000 up to and including $600,000 24 0.70% 12,845,210 $ 2.23% > $600,000 up to and including $700,000 17 0.50% 11,011,659 $ 1.91% > $700,000 up to and including $800,000 8 0.23% 5,891,319 $ 1.02% > $800,000 up to and including $900,000 3 0.09% 2,493,342 $ 0.43% > $900,000 up to and including $1.00m 0 0.00% - $ 0.00% > $1.00m up to and including $1.25m 1 0.03% 1,108,977 $ 0.19% > $1.25m up to and including $1.50m 1 0.03% 1,321,747 $ 0.23% > $1.50m up to and including $1.75m 0 0.00% - $ 0.00% > $1.75m up to and including $2.00m 0 0.00% - $ 0.00% > $2.00m 0 0.00% - $ 0.00% Total 3,415 100.00% 575,554,575 $ 100.00% Mortgage Pool by Geographic Distribution Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding NSW / ACT 950 25.84% 162,959,510 $ 28.31% VIC 1,181 32.13% 183,887,615 $ 31.95% TAS 106 2.88% 9,910,541 $ 1.72% QLD 543 14.77% 81,403,128 $ 14.14% SA 329 8.95% 42,779,203 $ 7.43% WA 534 14.53% 89,362,309 $ 15.53% NT 33 0.90% 5,252,269 $ 0.91% Total 3,676 100.00% 575,554,575 $ 100.00% * Unless otherwise stated, LVRs reported in the table above will be based on quarterly data provided by RP Data using the hedonic index values as at the latest Property Index available to the Trust Manager on each Determination Date falling in March, June, September and December. Note: Values reflected in the individual line items on some of the stratification tables may not always sum to the totals noted in those stratification tables due to rounding of values at the individual line item levels. *Please note that from October 2021 onwards, details included in this stratification table include Covid related hardship cases as well as other hardship cases. Mortgage Pool by Region Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding Metro 2,658 72.31% 461,736,305 $ 80.22% Non Metro 1,018 27.69% 113,818,270 $ 19.78% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by State and Region Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding NSW / ACT - Metro 629 17.11% 127,325,401 $ 22.12% NSW / ACT - Non Metro 321 8.73% 35,634,109 $ 6.19% VIC - Metro 919 25.00% 155,224,241 $ 26.97% VIC - Non Metro 262 7.13% 28,663,374 $ 4.98% TAS - Metro 63 1.71% 6,672,315 $ 1.16% TAS - Non Metro 43 1.17% 3,238,225 $ 0.56% QLD - Metro 350 9.52% 59,268,086 $ 10.30% QLD - Non Metro 193 5.25% 22,135,043 $ 3.85% SA - Metro 239 6.50% 33,712,178 $ 5.86% SA - Non Metro 90 2.45% 9,067,025 $ 1.58% W A - Metro 432 11.75% 75,402,370 $ 13.10% W A - Non Metro 102 2.77% 13,959,939 $ 2.43% NT - Metro 26 0.71% 4,131,713 $ 0.72% NT - Non Metro 7 0.19% 1,120,555 $ 0.19% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Top 20 Postcodes* Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding 3029 (Hoppers Crossing, VIC) 24 0.65% 3,785,961 $ 0.66% 6065 (Ashby, WA) 20 0.54% 3,433,480 $ 0.60% 2035 (Maroubra, NSW) 10 0.27% 3,416,719 $ 0.59% 3188 (Hampton, VIC) 11 0.30% 2,974,894 $ 0.52% 6164 (Atwell, WA) 17 0.46% 2,935,416 $ 0.51% 6030 (Clarkson, WA) 15 0.41% 2,910,402 $ 0.51% 3030 (Cocoroc, VIC) 22 0.60% 2,878,502 $ 0.50% 2155 (Beaumont Hills, NSW ) 12 0.33% 2,799,019 $ 0.49% 3810 (Pakenham, VIC) 19 0.52% 2,767,987 $ 0.48% 3977 (Botanic Ridge, VIC) 19 0.52% 2,604,981 $ 0.45% 6112 (Armadale, WA) 16 0.44% 2,591,560 $ 0.45% 2560 (Airds, NSW) 13 0.35% 2,422,725 $ 0.42% 3064 (Craigieburn, VIC) 17 0.46% 2,422,299 $ 0.42% 4034 (Aspley, QLD) 13 0.35% 2,414,955 $ 0.42% 6210 (Coodanup, WA) 15 0.41% 2,378,874 $ 0.41% 3037 (Calder Park, VIC) 16 0.44% 2,367,093 $ 0.41% 4207 (Alberton, QLD) 13 0.35% 2,346,587 $ 0.41% 3023 (Burnside, VIC) 14 0.38% 2,337,940 $ 0.41% 3182 (St Kilda, VIC) 10 0.27% 2,304,633 $ 0.40% 6155 (Canning Vale, WA) 13 0.35% 2,275,022 $ 0.40% Total 309 8.41% 54,369,049 $ 9.45% Mortgage Pool by Top 20 Statistical Areas (Level 3) Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding 50503 (Wanneroo, WA) 55 1.50% 9,126,331 $ 1.59% 21402 (Mornington Peninsula, VIC) 43 1.17% 8,693,472 $ 1.51% 20801 (Bayside, VIC) 31 0.84% 8,251,501 $ 1.43% 50403 (Swan, WA) 41 1.12% 7,902,013 $ 1.37% 21305 (Wyndham, VIC) 53 1.44% 7,623,218 $ 1.32% 21304 (Melton - Bacchus Marsh, VIC) 51 1.39% 7,452,228 $ 1.29% 50502 (Stirling, WA) 33 0.90% 7,386,656 $ 1.28% 20701 (Boroondara, VIC) 29 0.79% 7,055,971 $ 1.23% 40304 (Onkaparinga, SA) 51 1.39% 6,866,619 $ 1.19% 12203 (Warringah, NSW) 29 0.79% 6,441,997 $ 1.12% 11703 (Sydney Inner City, NSW) 25 0.68% 6,276,187 $ 1.09% 20605 (Port Phillip, VIC) 21 0.57% 6,056,775 $ 1.05% 20703 (Whitehorse - West, VIC) 21 0.57% 5,987,382 $ 1.04% 21401 (Frankston, VIC) 44 1.20% 5,872,232 $ 1.02% 50701 (Cockburn, WA) 30 0.82% 5,691,848 $ 0.99% 50603 (Canning, WA) 38 1.03% 5,686,459 $ 0.99% 21105 (Yarra Ranges, VIC) 37 1.01% 5,631,519 $ 0.98% 20904 (Whittlesea - Wallan, VIC) 39 1.06% 5,621,516 $ 0.98% 20803 (Kingston, VIC) 30 0.82% 5,597,973 $ 0.97% 11802 (Eastern Suburbs - South, NSW) 20 0.54% 5,549,555 $ 0.96% Total 721 19.61% 134,771,454 $ 23.42% Mortgage Pool by Occupancy Status Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding Owner Occupied (Full Recourse) 3,081 83.81% 473,658,535 $ 82.30% Residential Investment (Full Recourse) 595 16.19% 101,896,040 $ 17.70% Residential Investment (Limited Recourse) 0 0.00% - $ 0.00% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Documentation Type Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding Full Doc Loans 3,676 100.00% 575,554,575 $ 100.00% Low Doc Loans 0 0.00% - $ 0.00% No Doc Loans 0 0.00% - $ 0.00% Total 3,676 100.00% 575,554,575 $ 100.00% *The suburb name assigned to a certain postcode is the first locality name (sorted in alphabetical ascending order) included in the Australia Post postcode list. Mortgage Pool by Payment Type Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding P&I 3,656 99.46% 570,603,014 $ 99.14% Interest Only 20 0.54% 4,951,561 $ 0.86% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Remaining Interest Only Period Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding Amortising Loans 3,656 99.46% 570,603,014 $ 99.14% Interest Only Loans : > 0 up to and including 1 years 8 0.22% 2,102,592 $ 0.37% Interest Only Loans : > 1 up to and including 2 years 4 0.11% 1,247,422 $ 0.22% Interest Only Loans : > 2 up to and including 3 years 5 0.14% 1,385,675 $ 0.24% Interest Only Loans : > 3 up to and including 4 years 3 0.08% 215,872 $ 0.04% Interest Only Loans : > 4 up to and including 5 years 0 0.00% - $ 0.00% Interest Only Loans : > 5 up to and including 6 years 0 0.00% - $ 0.00% Interest Only Loans : > 6 up to and including 7 years 0 0.00% - $ 0.00% Interest Only Loans : > 7 up to and including 8 years 0 0.00% - $ 0.00% Interest Only Loans : > 8 up to and including 9 years 0 0.00% - $ 0.00% Interest Only Loans : > 9 up to and including 10 years 0 0.00% - $ 0.00% Interest Only Loans : > 10 years 0 0.00% - $ 0.00% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Mortgage Loan Interest Rate Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding up to and including 3.00% 1,387 37.73% 253,506,520 $ 44.05% > 3.00% up to and including 3.25% 447 12.16% 82,528,317 $ 14.34% > 3.25% up to and including 3.50% 266 7.24% 50,938,902 $ 8.85% > 3.50% up to and including 3.75% 1,098 29.87% 132,353,142 $ 23.00% > 3.75% up to and including 4.00% 163 4.43% 21,012,203 $ 3.65% > 4.00% up to and including 4.25% 104 2.83% 16,932,372 $ 2.94% > 4.25% up to and including 4.50% 175 4.76% 14,169,079 $ 2.46% > 4.50% up to and including 4.75% 6 0.16% 747,544 $ 0.13% > 4.75% up to and including 5.00% 30 0.82% 3,366,496 $ 0.58% > 5.00% up to and including 5.25% 0 0.00% - $ 0.00% > 5.25% up to and including 5.50% 0 0.00% - $ 0.00% > 5.50% up to and including 5.75% 0 0.00% - $ 0.00% > 5.75% up to and including 6.00% 0 0.00% - $ 0.00% > 6.00% up to and including 6.25% 0 0.00% - $ 0.00% > 6.25% up to and including 6.50% 0 0.00% - $ 0.00% > 6.50% up to and including 6.75% 0 0.00% - $ 0.00% > 6.75% up to and including 7.00% 0 0.00% - $ 0.00% > 7.00% up to and including 7.25% 0 0.00% - $ 0.00% > 7.25% up to and including 7.50% 0 0.00% - $ 0.00% > 7.50% up to and including 7.75% 0 0.00% - $ 0.00% > 7.75% up to and including 8.00% 0 0.00% - $ 0.00% > 8.00% up to and including 8.25% 0 0.00% - $ 0.00% > 8.25% up to and including 8.50% 0 0.00% - $ 0.00% > 8.50% 0 0.00% - $ 0.00% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Interest Option Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding <= 1 Year Fixed 150 4.08% 32,355,001 $ 5.62% <= 2 Year Fixed 77 2.09% 14,374,703 $ 2.50% <= 3 Year Fixed 39 1.06% 7,781,912 $ 1.35% <= 4 Year Fixed 2 0.05% 533,619 $ 0.09% <= 5 Year Fixed 3 0.08% 433,560 $ 0.08% > 5 Year Fixed 0 0.00% - $ 0.00% Total Fixed Rate 271 7.37% 55,478,795 $ 9.64% Total Variable Rate 3,405 92.63% 520,075,780 $ 90.36% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Loan Purpose Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding Alterations to existing dwelling 99 2.69% 12,241,436 $ 2.13% Business / Commercial / Investment 0 0.00% - $ 0.00% Construction of a dwelling (construction completed) 77 2.09% 14,166,258 $ 2.46% Purchase of established dwelling 965 26.25% 164,251,013 $ 28.54% Purchase of new erected dwelling 89 2.42% 15,113,913 $ 2.63% Refinancing existing debt from another lender 425 11.56% 68,338,221 $ 11.87% Refinancing existing debt with ANZ 1,452 39.50% 214,474,887 $ 37.26% Other 569 15.48% 86,968,847 $ 15.11% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Loan Seasoning Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding up to and including 3 months 0 0.00% - $ 0.00% > 3 up to and including 6 months 0 0.00% - $ 0.00% > 6 up to and including 9 months 2 0.05% 496,293 $ 0.09% > 9 up to and including 12 months 0 0.00% - $ 0.00% > 12 up to and including 15 months 0 0.00% - $ 0.00% > 15 up to and including 18 months 2 0.05% 438,767 $ 0.08% > 18 up to and including 21 months 0 0.00% - $ 0.00% > 21 up to and including 24 months 0 0.00% - $ 0.00% > 24 up to and including 27 months 0 0.00% - $ 0.00% > 27 up to and including 30 months 2 0.05% 282,057 $ 0.05% > 30 up to and including 33 months 2 0.05% 327,211 $ 0.06% > 33 up to and including 36 months 0 0.00% - $ 0.00% > 36 up to and including 48 months 2 0.05% 670,807 $ 0.12% > 48 up to and including 60 months 2 0.05% 580,567 $ 0.10% > 60 up to and including 72 months 1 0.03% 97,749 $ 0.02% > 72 up to and including 84 months 195 5.30% 41,309,768 $ 7.18% > 84 up to and including 96 months 1,041 28.32% 166,388,872 $ 28.91% > 96 up to and including 108 months 954 25.95% 146,539,042 $ 25.46% > 108 up to and including 120 months 932 25.35% 132,419,119 $ 23.01% > 120 months 541 14.72% 86,004,324 $ 14.94% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Remaining Tenor Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding up to and including 1 year 2 0.05% 15,041 $ 0.00% > 1 up to and including 2 years 10 0.27% 187,293 $ 0.03% > 2 up to and including 3 years 20 0.54% 241,334 $ 0.04% > 3 up to and including 4 years 18 0.49% 330,046 $ 0.06% > 4 up to and including 5 years 22 0.60% 992,610 $ 0.17% > 5 up to and including 6 years 32 0.87% 1,774,683 $ 0.31% > 6 up to and including 7 years 23 0.63% 1,367,643 $ 0.24% > 7 up to and including 8 years 30 0.82% 1,883,886 $ 0.33% > 8 up to and including 9 years 23 0.63% 1,877,823 $ 0.33% > 9 up to and including 10 years 18 0.49% 1,116,351 $ 0.19% > 10 up to and including 15 years 363 9.87% 38,285,429 $ 6.65% > 15 up to and including 20 years 1,130 30.74% 179,332,551 $ 31.16% > 20 up to and including 25 years 1,985 54.00% 348,149,884 $ 60.49% > 25 up to and including 30 years 0 0.00% - $ 0.00% > 30 years 0 0.00% - $ 0.00% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Delinquencies Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding Current (0 days) 3,615 98.34% 562,264,360 $ 97.69% > 0 days up to and including 30 days 23 0.63% 4,892,300 $ 0.85% > 30 days up to and including 60 days 12 0.33% 2,554,665 $ 0.44% > 60 days up to and including 90 days 5 0.14% 1,359,034 $ 0.24% > 90 days up to and including 120 days 6 0.16% 1,325,945 $ 0.23% > 120 days up to and including 150 days 0 0.00% - $ 0.00% > 150 days up to and including 180 days 0 0.00% - $ 0.00% > 180 days 15 0.41% 3,158,271 $ 0.55% Total 3,676 100.00% 575,554,575 $ 100.00% Aggregate Pool Losses and Insurance Claims Number of Loans Balance Outstanding Current Month Mortgagee in Possession 0 - $ Current (gross) loss pre-mortgage insurance 0 - $ Claims on Insurers 0 - $ Claims pending 0 - $ Claims paid 0 - $ Claims reduced 0 - $ Claims denied 0 - $ Claims met by excess income 0 - $ Claims met by other means 0 - $ Net Losses 0 - $ Cumulative Mortgagee in Possession 2 - $ Current (gross) loss pre-mortgage insurance 1 90,314.33 $ Claims on Insurers 1 27,584.57 $ Claims pending 0 - $ Claims paid 1 27,584.57 $ Claims reduced 0 - $ Claims denied 0 - $ Claims met by excess income 1 90,314.33 $ Claims met by other means 0 - $ Net Losses 0 - $ Mortgage Pool by Payment Frequency Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding W eekly 1,103 30.01% 151,591,256 $ 26.34% Fortnightly 1,469 39.96% 206,037,607 $ 35.80% Monthly 1,104 30.03% 217,925,713 $ 37.86% Other 0 0.00% - $ 0.00% Total 3,676 100.00% 575,554,575 $ 100.00% Mortgage Pool by Mortgage Insurance Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding ANZ Lenders Mortgage Insurance 341 9.28% 56,170,843 $ 9.76% QBE Lenders Mortgage Insurance 0 0.00% - $ 0.00% Genworth Mortgage Insurance Company Pty Ltd 0 0.00% - $ 0.00% Other 0 0.00% - $ 0.00% No Lenders Mortgage Insurance 3,335 90.72% 519,383,733 $ 90.24% Total 3,676 100.00% 575,554,575 $ 100.00% Trust Manager Sponsor ANZ Capel Court Ltd Australia and New Zealand Banking Group Limited ABN 30 004 768 807 ABN 11 005 357 522 Level 5, 242 Pitt Street Level 9, 833 Collins Street Sydney, New South Wales, Australia 2000 Melbourne, Victoria, Australia 3000 Contacts: Veronica Katz, Manager, Structured Capital Markets Middle Office John Needham, Head of Capital and Structured Funding, Group Treasury Phone: (61 2) 8937 6952 Phone: (61 2) 8037 0670 Email: veronica.katz@anz.com Email: john.needham@anz.com DISCLAIMER This report: ANZ discloses that as contemplated by Article 405 of the Capital Requirements Regulation (which does not take into account any corresponding implementing rules or other measures made in any EEA state) it holds, as at the date of this report, a net economic interest in the securitisation transaction 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). (d) is provided only to investors who have acquired notes issued by the Trustee of the Trust after receiving, reviewing and understanding the offering documents pursuant to which they were issued. Past performance is not a guide to future performance. Delinquency statistics have been prepared in accordance with APRA’s view of sound practice for the reporting of delinquent loans, including the treatment of loans with hardship as described in APRA Prudential Practice Guide APG 223 (dated February 2017). Reported delinquencies include accounts that are in the serviceability hold out period (i.e. loans in hardship which have commenced making their required monthly payments continue to be reported as delinquent until the customer has maintained full repayments for a period of at least 6 months). (a) is for information purposes only, is not intended as an offer or solicitation of any financial instrument or product or a recommendation to continue to hold the notes issued by Perpetual Corporate Trust Limited (ABN 99 000 341 533) (“Trustee”) as trustee of the Kingfisher Trust 2016-1 (“Trust”), nor is it the intention of, Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") nor ANZ Capel Court Limited (the "Manager") to create legal relations on the basis of the information contained in it; (b) does not purport to contain all relevant information and any statement as to any future matter is a present prediction of a possible future outcome, the accuracy of which cannot be guaranteed. (c) and the information set out in it are confidential and are only for the recipient's information. No part of this document or the information set out in it may be disclosed to any person. Closing Date: 01 Dec 2016 Collection Period End Date (CPED): 01 Nov 2021 Determination Date: 19 Nov 2021 Pool Summary At Closing At CPED Collection Period End Date 01 Dec 2016 01 Nov 2021 Current Aggregate Principal Balance (AUD) 100,196,541 $ 25,883,077 $ Total Property Value 239,163,275 $ 79,171,775 $ Number of (Eligible) Security Properties 364 127 Number of (Eligible) Debtors 576 193 Number of Loans (Unconsolidated) 407 135 Number of Loans (Consolidated) 346 122 Average Loan Size (Consolidated) 289,585 $ 212,156 $ Maximum Loan Balance (Consolidated) 1,962,595 $ 1,002,017 $ Weighted Average Consolidated Current Loan to Value Ratio (LVR) 54.78% 46.92% Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) 45.82% 35.37% Maximum Consolidated Current Loan To Value Ratio (LVR) 89.90% 76.01% W eighted Average Interest Rate 4.45% 3.13% Weighted Average Seasoning (Months) 44.77 105.10 Weighted Average Remaining Term (Months) 299.01 238.57 Maximum Current Remaining Term (Months) 347.00 286.00 Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR) (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED up to and including 40.00% 50.00% 53.28% 30.92% 32.93% > 40.00% up to and including 45.00% 2.31% 7.38% 4.05% 11.59% > 45.00% up to and including 50.00% 3.47% 7.38% 4.68% 9.12% > 50.00% up to and including 55.00% 6.07% 3.28% 10.02% 3.71% > 55.00% up to and including 60.00% 4.62% 4.92% 7.50% 9.99% > 60.00% up to and including 65.00% 2.02% 8.20% 2.20% 12.73% > 65.00% up to and including 70.00% 3.18% 8.20% 5.43% 9.39% > 70.00% up to and including 75.00% 5.20% 6.56% 7.53% 9.13% > 75.00% up to and including 80.00% 13.29% 0.82% 16.56% 1.39% > 80.00% up to and including 85.00% 5.49% 0.00% 6.60% 0.00% > 85.00% up to and including 90.00% 4.34% 0.00% 4.51% 0.00% > 90.00% up to and including 95.00% 0.00% 0.00% 0.00% 0.00% > 95.00% up to and including 100.00% 0.00% 0.00% 0.00% 0.00% > 100.00% 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)* (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED up to and including 40.00% 54.91% 67.21% 44.12% 58.91% > 40.00% up to and including 45.00% 2.60% 7.38% 5.56% 12.48% > 45.00% up to and including 50.00% 7.51% 9.84% 8.75% 11.07% > 50.00% up to and including 55.00% 4.34% 5.74% 5.63% 7.36% > 55.00% up to and including 60.00% 6.65% 4.10% 8.94% 3.31% > 60.00% up to and including 65.00% 4.05% 0.82% 3.56% 1.26% > 65.00% up to and including 70.00% 7.51% 0.82% 9.42% 1.25% > 70.00% up to and including 75.00% 5.49% 2.46% 7.17% 2.30% > 75.00% up to and including 80.00% 4.34% 0.82% 4.13% 0.66% > 80.00% up to and including 85.00% 0.87% 0.82% 0.81% 1.39% > 85.00% up to and including 90.00% 1.73% 0.00% 1.92% 0.00% > 90.00% up to and including 95.00% 0.00% 0.00% 0.00% 0.00% > 95.00% up to and including 100.00% 0.00% 0.00% 0.00% 0.00% > 100.00% 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Consolidated Loan Balance (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED up to and including $100,000 17.05% 30.33% 3.49% 5.60% > $100,000 up to and including $200,000 24.86% 27.05% 13.22% 18.43% > $200,000 up to and including $300,000 22.25% 16.39% 19.26% 19.38% > $300,000 up to and including $400,000 15.32% 13.93% 18.11% 22.76% > $400,000 up to and including $500,000 7.80% 4.92% 11.92% 9.95% > $500,000 up to and including $600,000 4.34% 4.10% 8.19% 10.28% > $600,000 up to and including $700,000 3.47% 0.00% 7.66% 0.00% > $700,000 up to and including $800,000 1.45% 1.64% 3.81% 5.86% > $800,000 up to and including $900,000 0.87% 0.00% 2.62% 0.00% > $900,000 up to and including $1.00m 0.29% 0.00% 0.96% 0.00% > $1.00m up to and including $1.25m 1.16% 1.64% 4.67% 7.74% > $1.25m up to and including $1.50m 0.87% 0.00% 4.13% 0.00% > $1.50m up to and including $1.75m 0.00% 0.00% 0.00% 0.00% > $1.75m up to and including $2.00m 0.29% 0.00% 1.96% 0.00% > $2.00m 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Article 122a of CRD IV Retention of Interest Report for Kingfisher Trust 2016-1 Note: Values reflected in the individual line items on some of the stratification tables may not always sum to the totals noted in those stratification tables due to rounding of values at the individual line item levels. * Unless otherwise stated, LVRs reported in the table above will be based on quarterly data provided by RP Data using the hedonic index values as at the latest Property Index available to the Trust Manager on each Determination Date falling in March, June, September and December. Mortgage Pool by Geographic Distribution (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED NSW / ACT 32.68% 31.85% 35.88% 37.61% VIC 27.03% 20.74% 33.10% 26.11% TAS 3.69% 3.70% 1.17% 1.43% QLD 12.29% 16.30% 9.47% 12.46% SA 9.34% 9.63% 6.50% 6.42% WA 14.50% 17.04% 13.80% 15.89% NT 0.49% 0.74% 0.09% 0.08% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Region (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED Metro 75.18% 69.63% 83.98% 80.56% Non Metro 24.82% 30.37% 16.02% 19.44% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by State and Region (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED NSW / ACT - Metro 25.55% 25.19% 30.90% 32.99% NSW / ACT - Non Metro 7.13% 6.67% 4.97% 4.62% VIC - Metro 21.87% 18.52% 30.67% 25.84% VIC - Non Metro 5.16% 2.22% 2.43% 0.27% TAS - Metro 1.72% 1.48% 0.60% 0.60% TAS - Non Metro 1.97% 2.22% 0.57% 0.83% QLD - Metro 7.62% 6.67% 5.52% 4.72% QLD - Non Metro 4.67% 9.63% 3.95% 7.74% SA - Metro 6.88% 5.19% 4.91% 3.17% SA - Non Metro 2.46% 4.44% 1.59% 3.25% W A - Metro 11.55% 12.59% 11.37% 13.24% W A - Non Metro 2.95% 4.44% 2.43% 2.65% NT - Metro 0.00% 0.00% 0.00% 0.00% NT - Non Metro 0.49% 0.74% 0.09% 0.08% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Occupancy Status (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED Owner Occupied (Full Recourse) 74.94% 70.37% 74.21% 65.26% Residential Investment (Full Recourse) 25.06% 29.63% 25.79% 34.74% Residential Investment (Limited Recourse) 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Documentation Type (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED Full Doc Loans 100.00% 100.00% 100.00% 100.00% Low Doc Loans 0.00% 0.00% 0.00% 0.00% No Doc Loans 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Payment Type (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED P&I 85.75% 99.26% 74.24% 97.83% Interest Only 14.25% 0.74% 25.76% 2.17% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Remaining Interest Only Period (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED Amortising Loans 85.75% 99.26% 74.24% 97.83% Interest Only Loans : > 0 up to and including 1 years 5.90% 0.74% 8.09% 2.17% Interest Only Loans : > 1 up to and including 2 years 4.42% 0.00% 11.41% 0.00% Interest Only Loans : > 2 up to and including 3 years 2.21% 0.00% 2.56% 0.00% Interest Only Loans : > 3 up to and including 4 years 0.74% 0.00% 1.75% 0.00% Interest Only Loans : > 4 up to and including 5 years 0.98% 0.00% 1.96% 0.00% Interest Only Loans : > 5 up to and including 6 years 0.00% 0.00% 0.00% 0.00% Interest Only Loans : > 6 up to and including 7 years 0.00% 0.00% 0.00% 0.00% Interest Only Loans : > 7 up to and including 8 years 0.00% 0.00% 0.00% 0.00% Interest Only Loans : > 8 up to and including 9 years 0.00% 0.00% 0.00% 0.00% Interest Only Loans : > 9 up to and including 10 years 0.00% 0.00% 0.00% 0.00% Interest Only Loans : > 10 years 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Mortgage Loan Interest Rate (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED up to and including 3.00% 0.00% 41.48% 0.00% 44.76% > 3.00% up to and including 3.25% 0.00% 11.11% 0.00% 13.44% > 3.25% up to and including 3.50% 0.00% 12.59% 0.00% 18.89% > 3.50% up to and including 3.75% 0.49% 21.48% 0.59% 15.84% > 3.75% up to and including 4.00% 3.19% 6.67% 6.58% 4.27% > 4.00% up to and including 4.25% 12.29% 1.48% 19.37% 1.57% > 4.25% up to and including 4.50% 29.98% 5.19% 31.76% 1.23% > 4.50% up to and including 4.75% 42.01% 0.00% 33.36% 0.00% > 4.75% up to and including 5.00% 2.46% 0.00% 2.64% 0.00% > 5.00% up to and including 5.25% 9.34% 0.00% 5.62% 0.00% > 5.25% up to and including 5.50% 0.00% 0.00% 0.00% 0.00% > 5.50% up to and including 5.75% 0.25% 0.00% 0.08% 0.00% > 5.75% up to and including 6.00% 0.00% 0.00% 0.00% 0.00% > 6.00% up to and including 6.25% 0.00% 0.00% 0.00% 0.00% > 6.25% up to and including 6.50% 0.00% 0.00% 0.00% 0.00% > 6.50% up to and including 6.75% 0.00% 0.00% 0.00% 0.00% > 6.75% up to and including 7.00% 0.00% 0.00% 0.00% 0.00% > 7.00% up to and including 7.25% 0.00% 0.00% 0.00% 0.00% > 7.25% up to and including 7.50% 0.00% 0.00% 0.00% 0.00% > 7.50% up to and including 7.75% 0.00% 0.00% 0.00% 0.00% > 7.75% up to and including 8.00% 0.00% 0.00% 0.00% 0.00% > 8.00% up to and including 8.25% 0.00% 0.00% 0.00% 0.00% > 8.25% up to and including 8.50% 0.00% 0.00% 0.00% 0.00% > 8.50% 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Interest Option (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED <= 1 Year Fixed 2.95% 1.48% 2.86% 1.21% <= 2 Year Fixed 1.47% 2.22% 1.03% 2.77% <= 3 Year Fixed 0.49% 2.22% 0.39% 2.77% <= 4 Year Fixed 0.25% 0.74% 0.39% 0.50% <= 5 Year Fixed 0.00% 1.48% 0.00% 1.12% > 5 Year Fixed 0.00% 0.00% 0.00% 0.00% Total Fixed Rate 5.16% 8.15% 4.67% 8.37% Total Variable Rate 94.84% 91.85% 95.33% 91.63% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Loan Purpose (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED Alterations to existing dwelling 3.44% 5.19% 2.22% 2.85% Business / Commercial / Investment 0.00% 0.00% 0.00% 0.00% Construction of a dwelling (construction completed) 2.70% 2.22% 3.73% 1.06% Purchase of established dwelling 24.32% 26.67% 26.68% 26.57% Purchase of new erected dwelling 4.42% 4.44% 3.32% 4.92% Refinancing existing debt from another lender 15.23% 16.30% 14.44% 18.59% Refinancing existing debt with ANZ 26.78% 28.15% 28.66% 32.19% Other 23.10% 17.04% 20.95% 13.81% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Loan Seasoning (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED up to and including 3 months 0.00% 0.00% 0.00% 0.00% > 3 up to and including 6 months 0.00% 0.00% 0.00% 0.00% > 6 up to and including 9 months 0.00% 0.00% 0.00% 0.00% > 9 up to and including 12 months 0.00% 0.00% 0.00% 0.00% > 12 up to and including 15 months 1.72% 0.00% 2.36% 0.00% > 15 up to and including 18 months 1.97% 0.00% 1.66% 0.00% > 18 up to and including 21 months 1.23% 0.00% 1.19% 0.00% > 21 up to and including 24 months 1.72% 0.00% 1.97% 0.00% > 24 up to and including 27 months 0.74% 0.00% 0.55% 0.00% > 27 up to and including 30 months 14.00% 0.00% 8.70% 0.00% > 30 up to and including 33 months 12.53% 0.00% 9.61% 0.00% > 33 up to and including 36 months 7.13% 0.00% 3.52% 0.00% > 36 up to and including 48 months 30.71% 0.00% 38.10% 0.00% > 48 up to and including 60 months 17.69% 0.00% 17.57% 0.00% > 60 up to and including 72 months 8.35% 0.00% 11.45% 0.00% > 72 up to and including 84 months 1.47% 6.67% 2.35% 6.51% > 84 up to and including 96 months 0.49% 35.56% 0.78% 21.83% > 96 up to and including 108 months 0.25% 28.15% 0.19% 35.37% > 108 up to and including 120 months 0.00% 20.74% 0.00% 21.73% > 120 months 0.00% 8.89% 0.00% 14.55% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Remaining Tenor (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED up to and including 1 year 0.00% 0.00% 0.00% 0.00% > 1 up to and including 2 years 0.49% 0.74% 0.03% 0.04% > 2 up to and including 3 years 0.49% 1.48% 0.02% 0.10% > 3 up to and including 4 years 0.49% 0.74% 0.04% 0.06% > 4 up to and including 5 years 0.25% 0.74% 0.02% 0.12% > 5 up to and including 6 years 0.49% 0.74% 0.49% 0.05% > 6 up to and including 7 years 0.25% 0.74% 0.01% 0.21% > 7 up to and including 8 years 1.23% 0.74% 0.35% 0.10% > 8 up to and including 9 years 0.25% 0.74% 0.01% 0.32% > 9 up to and including 10 years 0.74% 0.00% 0.10% 0.00% > 10 up to and including 15 years 1.97% 8.89% 0.64% 4.47% > 15 up to and including 20 years 8.11% 22.22% 5.27% 33.80% > 20 up to and including 25 years 24.08% 62.22% 29.05% 60.73% > 25 up to and including 30 years 61.18% 0.00% 63.97% 0.00% > 30 years 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Delinquencies (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED Current (0 days) 97.79% 98.52% 97.70% 97.87% > 0 days up to and including 30 days 2.21% 0.74% 2.30% 0.93% > 30 days up to and including 60 days 0.00% 0.74% 0.00% 1.20% > 60 days up to and including 90 days 0.00% 0.00% 0.00% 0.00% > 90 days up to and including 120 days 0.00% 0.00% 0.00% 0.00% > 120 days up to and including 150 days 0.00% 0.00% 0.00% 0.00% > 150 days up to and including 180 days 0.00% 0.00% 0.00% 0.00% > 180 days 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Aggregate Pool Losses and Insurance Claims Number of Loans Balance Outstanding Current Month Mortgagee in Possession 0 - $ Current (gross) loss pre-mortgage insurance 0 - $ Claims on Insurers 0 - $ Claims pending 0 - $ Claims paid 0 - $ Claims reduced 0 - $ Claims denied 0 - $ Claims met by excess income 0 - $ Claims met by other means 0 - $ Net Losses 0 - $ Cumulative Mortgagee in Possession 1 - $ Current (gross) loss pre-mortgage insurance 1 11,605.43 $ Claims on Insurers 1 144,938.71 $ Claims pending 0 - $ Claims paid 1 144,938.71 $ Claims reduced 0 - $ Claims denied 0 - $ Claims met by excess income 0 - $ Claims met by other means 0 - $ Net Losses 1 11,605.43 $ Mortgage Pool by Payment Frequency (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED W eekly 22.60% 27.41% 15.68% 19.23% Fortnightly 29.24% 31.85% 20.78% 24.61% Monthly 48.16% 40.74% 63.54% 56.15% Other 0.00% 0.00% 0.00% 0.00% Total 100.00% 100.00% 100.00% 100.00% Mortgage Pool by Mortgage Insurance (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED ANZ Lenders Mortgage Insurance 12.04% 10.37% 12.95% 9.89% QBE Lenders Mortgage Insurance 0.00% 0.00% 0.00% 0.00% Genworth Mortgage Insurance Company Pty Ltd 0.00% 0.00% 0.00% 0.00% Other 0.00% 0.00% 0.00% 0.00% No Lenders Mortgage Insurance 87.96% 89.63% 87.05% 90.11% Total 100.00% 100.00% 100.00% 100.00% DISCLAIMER European Union Capital Requirements Regulation retention of interest report for Kingfisher Trust 2016-1 Issue Date: 1 December 2016 Each investor or prospective investor that is required to comply with the Capital Requirements Rules and similar requirements (including but not limited to Article 17 of the EU Alternative Investment Fund Managers Directive (Directive 2011/61/EU), as supplemented by Section 5 of Chapter III of Commission Delegated Regulation (EU) No 231/2013 and Article 135(2) of the European Union Solvency II Directive 2009/138/EC) is required to independently assess and determine the sufficiency of the information described in this report and in the Information Memorandum generally for the purposes of complying with the Capital Requirements and other similar regulations or directives relevant to that investor or prospective investor and none of the Trustee, Australia and New Zealand Banking Group Limited and each other party to a Transaction Document makes any representation that the information described in this report or in the Information Memorandum is sufficient in all circumstances for such purposes. Investors and prospective investors who are uncertain as to the requirements which apply to them in respect of their relevant jurisdiction, should seek guidance from their regulator. Delinquency statistics have been prepared in accordance with APRA’s view of sound practice for the reporting of delinquent loans, including the treatment of loans with hardship as described in APRA Prudential Practice Guide APG 223 (dated February 2017). Reported delinquencies include accounts that are in the serviceability hold out period (i.e. loans in hardship which have commenced making their required monthly payments continue to be reported as delinquent until the customer has maintained full repayments for a period of at least 6 months). As at the Closing Date, Australia and New Zealand Banking Group Limited retained 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(1)(c) of Regulation (EU) No 575/2013 of the European Parliament and Council (the “Capital Requirements Regulation”). Information about that retained interest as at the Collection Period End Date is set out above. Australia and New Zealand Banking Group Limited has not hedged the exposures.
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