PET - Plain English Taxonomy

ARF_113_3D: IRB retail - SME
Effective date: 20 February 2020

Australian Business Number	Institution Name

Reporting Period	Scale Factor
Quarterly	Millions to one decimal place
Reporting Consolidation
Level 1 / Level 2

Credit risk-weighted assets

Section A: On-balance sheet risk-weighted assets and expected loss amount

PD by band %	Exposures before CRM	Exposures after CRM	Exposures after CRM by LGD bands
PD by band %	Exposures before CRM	Exposures after CRM	LGD < 10%	LGD 10% to < 15%	LGD 15% to < 20%	LGD 20% to < 25%	LGD 25% to < 30%	LGD 30% to < 35%	LGD 35% to < 40%	LGD 40% to < 45%
(1)	(2)	(3)	(4.1)	(4.2)	(4.3)	(4.4)	(4.5)	(4.6)	(4.7)	(4.8)
0.0% to < 0.1%	CS12667	CS12681	CS14221	CS12751	CS12765	CS14263	CS14277	CS14291	CS14305	CS14319
0.1% to < 0.2%	CS12668	CS12682	CS14222	CS12752	CS12766	CS14264	CS14278	CS14292	CS14306	CS14320
0.2% to < 0.3%	CS12669	CS12683	CS14223	CS12753	CS12767	CS14265	CS14279	CS14293	CS14307	CS14321
0.3% to < 0.5%	CS12670	CS12684	CS14224	CS12754	CS12768	CS14266	CS14280	CS14294	CS14308	CS14322
0.5% to < 0.7%	CS12671	CS12685	CS14225	CS12755	CS12769	CS14267	CS14281	CS14295	CS14309	CS14323
0.7% to < 1.0%	CS12672	CS12686	CS14226	CS12756	CS12770	CS14268	CS14282	CS14296	CS14310	CS14324
1.0% to < 2.0%	CS12673	CS12687	CS14227	CS12757	CS12771	CS14269	CS14283	CS14297	CS14311	CS14325
2.0% to < 3.0%	CS12674	CS12688	CS14228	CS12758	CS12772	CS14270	CS14284	CS14298	CS14312	CS14326
3.0% to < 5.0%	CS12675	CS12689	CS14229	CS12759	CS12773	CS14271	CS14285	CS14299	CS14313	CS14327
5.0% to < 7.0%	CS12676	CS12690	CS14230	CS12760	CS12774	CS14272	CS14286	CS14300	CS14314	CS14328
7.0% to < 10.0%	CS12677	CS12691	CS14231	CS12761	CS12775	CS14273	CS14287	CS14301	CS14315	CS14329
10.0% to < 100%	CS12678	CS12692	CS14232	CS12762	CS12776	CS14274	CS14288	CS14302	CS14316	CS14330
100%	CS12679	CS12693	CS14233	CS12763	CS12777	CS14275	CS14289	CS14303	CS14317	CS14331
Total	CS12680	CS12694	CS14234	CS12764	CS12778	CS14276	CS14290	CS14304	CS14318	CS14332
Weighted average LGD %			CS13090	CS13592	CS13593	CS13633	CS13634	CS13635	CS13636	CS13637

PD by band %	Exposures after CRM by LGD bands						Weighted average LGD %	Weighted average PD %	RWA	EL amount
PD by band %	LGD 45% to < 50%	LGD 50% to < 60%	LGD 60% to < 70%	LGD 70% to < 80%	LGD 80% to < 90%	LGD >= 90%	Weighted average LGD %	Weighted average PD %	RWA	EL amount
(1)	(4.9)	(4.10)	(4.11)	(4.12)	(4.13)	(4.14)	(5)	(6)	(7)	(8)
0.0% to < 0.1%	CS14333	CS14347	CS14361	CS14375	CS14389	CS14403	CS12821	CS12835	CS12849	CS12863
0.1% to < 0.2%	CS14334	CS14348	CS14362	CS14376	CS14390	CS14404	CS12822	CS12836	CS12850	CS12864
0.2% to < 0.3%	CS14335	CS14349	CS14363	CS14377	CS14391	CS14405	CS12823	CS12837	CS12851	CS12865
0.3% to < 0.5%	CS14336	CS14350	CS14364	CS14378	CS14392	CS14406	CS12824	CS12838	CS12852	CS12866
0.5% to < 0.7%	CS14337	CS14351	CS14365	CS14379	CS14393	CS14407	CS12825	CS12839	CS12853	CS12867
0.7% to < 1.0%	CS14338	CS14352	CS14366	CS14380	CS14394	CS14408	CS12826	CS12840	CS12854	CS12868
1.0% to < 2.0%	CS14339	CS14353	CS14367	CS14381	CS14395	CS14409	CS12827	CS12841	CS12855	CS12869
2.0% to < 3.0%	CS14340	CS14354	CS14368	CS14382	CS14396	CS14410	CS12828	CS12842	CS12856	CS12870
3.0% to < 5.0%	CS14341	CS14355	CS14369	CS14383	CS14397	CS14411	CS12829	CS12843	CS12857	CS12871
5.0% to < 7.0%	CS14342	CS14356	CS14370	CS14384	CS14398	CS14412	CS12830	CS12844	CS12858	CS12872
7.0% to < 10.0%	CS14343	CS14357	CS14371	CS14385	CS14399	CS14413	CS12831	CS12845	CS12859	CS12873
10.0% to < 100%	CS14344	CS14358	CS14372	CS14386	CS14400	CS14414	CS12832	CS12846	CS12860	CS12874
100%	CS14345	CS14359	CS14373	CS14387	CS14401	CS14415	CS12833	CS12847	CS12861	CS12875
Total	CS14346	CS14360	CS14374	CS14388	CS14402	CS14416	CS12834	CS12848	CS12862	CS12876
Weighted average LGD %	CS13638	CS13639	CS13640	CS13641	CS13642	CS13643

Section B: Off-balance sheet risk-weighted assets and expected loss amount

PD by band %	Exposures before CRM	Exposures after CRM	Exposures after CRM by LGD bands
PD by band %	Exposures before CRM	Exposures after CRM	LGD < 10%	LGD 10% to < 15%	LGD 15% to < 20%	LGD 20% to < 25%	LGD 25% to < 30%	LGD 30% to < 35%	LGD 35% to < 40%	LGD 40% to < 45%
(1)	(2)	(3)	(4.1)	(4.2)	(4.3)	(4.4)	(4.5)	(4.6)	(4.7)	(4.8)
0.0% to < 0.1%	CS12877	CS12891	CS14501	CS12961	CS12975	CS14543	CS14557	CS14571	CS14585	CS14599
0.1% to < 0.2%	CS12878	CS12892	CS14502	CS12962	CS12976	CS14544	CS14558	CS14572	CS14586	CS14600
0.2% to < 0.3%	CS12879	CS12893	CS14503	CS12963	CS12977	CS14545	CS14559	CS14573	CS14587	CS14601
0.3% to < 0.5%	CS12880	CS12894	CS14504	CS12964	CS12978	CS14546	CS14560	CS14574	CS14588	CS14602
0.5% to < 0.7%	CS12881	CS12895	CS14505	CS12965	CS12979	CS14547	CS14561	CS14575	CS14589	CS14603
0.7% to < 1.0%	CS12882	CS12896	CS14506	CS12966	CS12980	CS14548	CS14562	CS14576	CS14590	CS14604
1.0% to < 2.0%	CS12883	CS12897	CS14507	CS12967	CS12981	CS14549	CS14563	CS14577	CS14591	CS14605
2.0% to < 3.0%	CS12884	CS12898	CS14508	CS12968	CS12982	CS14550	CS14564	CS14578	CS14592	CS14606
3.0% to < 5.0%	CS12885	CS12899	CS14509	CS12969	CS12983	CS14551	CS14565	CS14579	CS14593	CS14607
5.0% to < 7.0%	CS12886	CS12900	CS14510	CS12970	CS12984	CS14552	CS14566	CS14580	CS14594	CS14608
7.0% to < 10.0%	CS12887	CS12901	CS14511	CS12971	CS12985	CS14553	CS14567	CS14581	CS14595	CS14609
10.0% to < 100%	CS12888	CS12902	CS14512	CS12972	CS12986	CS14554	CS14568	CS14582	CS14596	CS14610
100%	CS12889	CS12903	CS14513	CS12973	CS12987	CS14555	CS14569	CS14583	CS14597	CS14611
Total	CS12890	CS12904	CS14514	CS12974	CS12988	CS14556	CS14570	CS14584	CS14598	CS14612
Weighted average LGD %			CS13644	CS13601	CS13602	CS13647	CS13648	CS13649	CS13650	CS13651

PD by band %	Exposures after CRM by LGD bands						Weighted average LGD %	Weighted average PD %	RWA	EL amount
PD by band %	LGD 45% to < 50%	LGD 50% to < 60%	LGD 60% to < 70%	LGD 70% to < 80%	LGD 80% to < 90%	LGD >= 90%	Weighted average LGD %	Weighted average PD %	RWA	EL amount
(1)	(4.9)	(4.10)	(4.11)	(4.12)	(4.13)	(4.14)	(5)	(6)	(7)	(8)
0.0% to < 0.1%	CS14613	CS14627	CS14641	CS14655	CS14669	CS14683	CS13031	CS13045	CS13059	CS13073
0.1% to < 0.2%	CS14614	CS14628	CS14642	CS14656	CS14670	CS14684	CS13032	CS13046	CS13060	CS13074
0.2% to < 0.3%	CS14615	CS14629	CS14643	CS14657	CS14671	CS14685	CS13033	CS13047	CS13061	CS13075
0.3% to < 0.5%	CS14616	CS14630	CS14644	CS14658	CS14672	CS14686	CS13034	CS13048	CS13062	CS13076
0.5% to < 0.7%	CS14617	CS14631	CS14645	CS14659	CS14673	CS14687	CS13035	CS13049	CS13063	CS13077
0.7% to < 1.0%	CS14618	CS14632	CS14646	CS14660	CS14674	CS14688	CS13036	CS13050	CS13064	CS13078
1.0% to < 2.0%	CS14619	CS14633	CS14647	CS14661	CS14675	CS14689	CS13037	CS13051	CS13065	CS13079
2.0% to < 3.0%	CS14620	CS14634	CS14648	CS14662	CS14676	CS14690	CS13038	CS13052	CS13066	CS13080
3.0% to < 5.0%	CS14621	CS14635	CS14649	CS14663	CS14677	CS14691	CS13039	CS13053	CS13067	CS13081
5.0% to < 7.0%	CS14622	CS14636	CS14650	CS14664	CS14678	CS14692	CS13040	CS13054	CS13068	CS13082
7.0% to < 10.0%	CS14623	CS14637	CS14651	CS14665	CS14679	CS14693	CS13041	CS13055	CS13069	CS13083
10.0% to < 100%	CS14624	CS14638	CS14652	CS14666	CS14680	CS14694	CS13042	CS13056	CS13070	CS13084
100%	CS14625	CS14639	CS14653	CS14667	CS14681	CS14695	CS13043	CS13057	CS13071	CS13085
Total	CS14626	CS14640	CS14654	CS14668	CS14682	CS14696	CS13044	CS13058	CS13072	CS13086
Weighted average LGD %	CS13652	CS13653	CS13654	CS13655	CS13656	CS13657

Memorandum items: breakdown of non-market related off-balance sheet exposures

Nature of transaction	Notional amount	Credit equivalent amount
(1)	(2)	(3)
CS13087	CS13088	CS13089

Section C: Memorandum items: purchased receivables

	RWA		EL amount
Exposures	Default risk	Dilution risk	Default risk	Dilution risk
On-balance sheet	CS13093	CS13095	CS13097	CS13099
Off-balance sheet	CS13094	CS13096	CS13098	CS13100