Section 1 - Australian Prudential Regulation Authority (confidentiality) determination No. 11 of 2015 - Australian Prudential Regulation Authority (confidentiality) determination No. 11 of 2015

1Australian Prudential Regulation Authority (confidentiality) determination No. 11 of 2015

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Australian Prudential Regulation Authority

(confidentiality) determination No. 11 of 2015

Information provided by general insurers under Reporting Standard

GRS 110.0 (2002), GRS 120.0 (2002), GRS 130.0 (2002), GRS 130.1 (2002), GRS 130.2 (2002), GRS 140.0 (2002), GRS 140.1 (2002), GRS 140.2 (2002), GRS 140.3 (2002), GRS 140.4 (2002), GRS 150.0 (2002), GRS 160.0 (2002), GRS 170.0 (2002), GRS 210.0 (2002), GRS 210.1 (2002), GRS 300.0 (2002), GRS 310.0 (2002), GRS 310.1 (2002), GRS 310.2 (2002), GRS 310.3 (2002), GRS 320.0 (2002), GRS 400.0 (2002), GRS 410.0 (2002), GRS 440.0 (2002), GRS 110.0 (2005), GRS 120.0 (2005), GRS 130.0 (2005), GRS 130.1 (2005), GRS 130.2 (2005), GRS 140.0 (2005), GRS 140.1 (2005), GRS 140.2 (2005), GRS 140.3 (2005), GRS 140.4 (2005), GRS 150.0 (2005), GRS 160.0 (2005), GRS 170.0 (2005), GRS 210.0 (2005), GRS 210.1 (2005), GRS 300.0 (2005), GRS 310.0 (2005), GRS 310.1 (2005), GRS 310.2 (2005), GRS 310.3 (2005), GRS 320.0 (2005), GRS 400.0 (2005), GRS 410.0 (2005), GRS 440.0 (2005), GRS 110.0 (2007), GRS 120.0 (2007), GRS 130.0 (2007), GRS 130.1 (2007), GRS 130.2 (2007), GRS 140.0 (2007), GRS 140.1 (2007), GRS 140.2 (2007), GRS 140.3 (2007), GRS 140.4 (2007), GRS 150.0 (2007), GRS 160.0 (2007), GRS 170.0 (2007), GRS 210.0 (2007), GRS 210.1 (2007), GRS 300.0 (2007), GRS 310.0 (2007), GRS 310.1 (2007), GRS 310.2 (2007), GRS 310.3 (2007), GRS 320.0 (2007), GRS 400.0 (2007), GRS 410.0 (2007), GRS 440.0 (2007), GRS 110.0 (2008), GRS 120.0 (2008), GRS 130.0 (2008), GRS 130.1 (2008), GRS 130.2 (2008), GRS 140.0 (2008), GRS 140.1 (2008), GRS 140.2 (2008), GRS 140.3 (2008), GRS 140.4 (2008), GRS 150.0 (2008), GRS 160.0 (2008), GRS 170.0 (2008), GRS 210.0 (2008), GRS 210.1 (2008), GRS 300.0 (2008), GRS 301.0 (2008), GRS 310.0 (2008), GRS 310.1 (2008), GRS 310.2 (2008), GRS 310.3 (2008), GRS 320.0 (2008), GRS 400.0 (2008), GRS 410.0 (2008), GRS 440.0 (2008), GRS 110.0 (2010), GRS 120.0 (2010), GRS 130.0 (2010), GRS 130.1 (2010), GRS 130.2 (2010), GRS 140.0 (2010), GRS 140.1 (2010), GRS 140.2 (2010), GRS 140.3 (2010), GRS 140.4 (2010), GRS 150.0 (2010), GRS 160.0 (2010), GRS 170.0 (2010), GRS 210.0 (2010), GRS 210.1 (2010), GRS 300.0 (2010), GRS 301.0 (2010), GRS 310.0 (2010), GRS 400.0 (2010), GRS 900.0 (2010), GRS 110.1 (2013), GRS 112.0 (2013), GRS 114.0 (2013), GRS 114.1 (2013), GRS 114.2 (2013), GRS 114.3 (2013), GRS 114.4 (2013), GRS 115.0 (2013), GRS 115.1 (2013), GRS 117.0 (2013), GRS 118.0 (2013), GRS 300.0 (2013), GRS 310.0 (2013), GRS 310.1 (2013), GRS 310.2 (2013), GRS 310.3 (2013), GRS 400.0 (2013), GRS 410.0 (2013), GRS 440.0 (2013), GRS 112.0 (2015), GRS 440.0 (2015), GRS 110.0 G (2009), GRS 120.0 G (2009), GRS 131.0 G (2009), GRS 141 0 G (2009), GRS 150.0 G (2009), GRS 210.0 G (2009), GRS 210.1 G (2009), GRS 300.0 G (2009), GRS 301.0 G (2009), GRS 302.0 G (2009), GRS 310.0 G (2009), GRS 110.0 G (2011), GRS 120.0 G (2011), GRS 210.0 G (2011), GRS 210.1 G (2011), GRS 300.0 G (2011), GRS 301.0 G (2011), GRS 302.0 G (2011), GRS 310.0 G (2011), GRS 110.1 G (2013), GRS 112.0 G (2013), GRS 114.0 G (2013), GRS 114.3 G (2013), GRS 115.0 G (2013), GRS 115.1 G (2013), GRS 117.0 G (2013), GRS 118.0 G (2013), GRS 300.0 G (2013), GRS 302.0 G (2013), GRS 310.0 G (2013)

Parts of reporting form covered by this determination	Reporting standards
GRF 110.1: Prescribed Capital AmountSection 1: Summary of prescribed capital amount:Insurance Risk ChargeGRF 115.0: OCL Insurance Risk ChargeGRF 115.1: PL Insurance Risk ChargeGRF 116.0: Insurance Concentration Risk ChargeGRF 114. 0: Asset Risk ChargeGRF 117.0: Asset Concentration Risk ChargeGRF 118.0: Operational Risk ChargeAggregation benefitAdjustments to prescribed capital amount as approved by APRA – Total amountPrescribed capital amountSection 2: Capital Adequacy Assessment - All data itemsSection 3: Adjusted net assets in Australia - All data items	Reporting Standard GRS 110.1 Prescribed Capital Amount (which came into effect on 1 January 2013)
GRF 114.0: Asset Risk ChargeSection 1: Asset Risk Charge calculationItems subject to stressImpact on capital baseRisk charge componentsAggregate risk charge componentLess: Tax benefits deductionAdjustments to Asset Risk Charge as approved by APRA – Total amountAsset Risk ChargeSection 2: Additional information8. Assets fair values subject to credit spreads stress9. Stressed asset values post credit spreads stress10. Yields used in stress scenarios	Reporting Standard GRS 114.0 Asset Risk Charge (which came into effect on 1 January 2013)
GRF 115.0: Outstanding Claims Liabilities – Insurance Risk ChargeWere actuarial services used to complete this return (Yes/No)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsAdjustments to OCL Insurance Risk Charge as approved by APRA – Total OCL insurance risk chargeTotal - All data items	Reporting Standard GRS 115.0 Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)
GRF 115.1: Premiums Liabilities – Insurance Risk ChargeWere actuarial services used to complete this return (Yes/No)Section 3A: GPS 320 TotalTotal direct business - All data itemsTotal reinsurance business - All data itemsAdjustments to PL Insurance Risk Charge as approved by APRA – Total PL insurance risk chargeTotal - All data itemsSection 3B: AASB 1023 TotalTotal direct business - All data itemsTotal reinsurance business - All data itemsTotal - All data itemsOther items descriptionSection 3C: Total premiums liabilities surplus / deficitTotal direct business – premiums liabilities surplus/deficitTotal reinsurance business– premiums liabilities surplus/deficitTotal deferred reinsurance expenses for future business not yet writtenTotal premiums liabilities surplus/deficit	Reporting Standard GRS 115.1 Premiums Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)
GRF 117.0: Asset Concentration Risk Charge (GEN)Capital baseAdjusted net assets in AustraliaSection 2A: Asset Concentration Risk Charge limits - All data itemsSection 3: Totals and risk charges3.1 Reinsurers with counterparty grade 43.2 Reinsurers with counterparty grade 5, 6 or 73.3 Reinsurance Asset Concentration Risk Charge3.4 Related parties part of an APRA-regulated group3.5 Unrelated parties part of an APRA-regulated group3.6 Other3.7 Non-reinsurance Asset Concentration Risk Charge3.8 Adjustments to Asset Concentration Risk Charge as approved by APRA – Total amount3.9 Asset Concentration Risk Charge	Reporting Standard GRS_117.0: Asset Concentration Risk Charge (which came into effect on 1 January 2013)
GRF 118.0: Operational Risk Charge (GEN)Operational Risk Charge for inwards reinsurance business (ORCI) – All data itemsOperational Risk Charge for business that is not inwards reinsurance (ORCNI) - All data itemsAdjustments to Operational Risk Charge as approved by APRA – Total amountTotal Operational Risk Charge	Reporting Standard GRS 118.0: Operational Risk Charge (which came into effect on 1 January 2013)
GRF 310.1 L: Premium Revenue and Reinsurance ExpenseSection 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal - All data itemsOf which is from/with: Parent entity - All data itemsOf which is from/with: Controlled entities/ Controlled entities of the parent - All data itemsOf which is from/with: Associates/Joint ventures - All data itemsOf which is from/with: Other related entities - All data items	Reporting Standard GRS 310.1 Premium Revenue and Reinsurance Expense(which came into effect on 1 January 2013)
GRF 310.2 L: Claims Expense and Reinsurance Recoveries (L)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal - All data itemsOf which is from/with: Parent entity - All data itemsOf which is from/with: Controlled entities/ Controlled entities of the parent - All data itemsOf which is from/with: Associates/Joint ventures - All data itemsOf which is from/with: Other related entities - All data items	Reporting Standard GRS 310.2 Claims Expense and Reinsurance Recoveries (which came into effect on 1 January 2013)
GRF 310.3 L: Details of Income and ExpensesInvestment income – All data itemsOperating income – All data itemsOperating expenses – All data itemsUnderwriting expenses and Acquisition costsSection 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items	Reporting Standard GRS 310.3 Details of Income and Expenses (which came into effect on 1 January 2013)
GRF 410.0 L: Movement In Outstanding Claims LiabilitiesSection 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items	Reporting Standard GRS 410.0 Movement in Outstanding Claims Liabilities (which came into effect on 1 January 2013)
GRF 440.0 L: Claims Development Table (L)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items	Reporting Standard GRS 440.0 Claims Development Tables (which came into effect on 1 January 2015)

Parts of reporting form covered by this determination

Reporting standards

GRF 110.1: Prescribed Capital AmountSection 1: Summary of prescribed capital amount:Insurance Risk ChargeGRF 115.0: OCL Insurance Risk ChargeGRF 115.1: PL Insurance Risk ChargeGRF 116.0: Insurance Concentration Risk ChargeGRF 114. 0: Asset Risk ChargeGRF 117.0: Asset Concentration Risk ChargeGRF 118.0: Operational Risk ChargeAggregation benefitAdjustments to prescribed capital amount as approved by APRA – Total amountPrescribed capital amountSection 2: Capital Adequacy Assessment - All data itemsSection 3: Adjusted net assets in Australia - All data items

Reporting Standard GRS 110.1 Prescribed Capital Amount (which came into effect on 1 January 2013)

GRF 114.0: Asset Risk ChargeSection 1: Asset Risk Charge calculationItems subject to stressImpact on capital baseRisk charge componentsAggregate risk charge componentLess: Tax benefits deductionAdjustments to Asset Risk Charge as approved by APRA – Total amountAsset Risk ChargeSection 2: Additional information8. Assets fair values subject to credit spreads stress9. Stressed asset values post credit spreads stress10. Yields used in stress scenarios

Reporting Standard GRS 114.0 Asset Risk Charge (which came into effect on 1 January 2013)

GRF 115.0: Outstanding Claims Liabilities – Insurance Risk ChargeWere actuarial services used to complete this return (Yes/No)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsAdjustments to OCL Insurance Risk Charge as approved by APRA – Total OCL insurance risk chargeTotal - All data items

Reporting Standard GRS 115.0 Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)

GRF 115.1: Premiums Liabilities – Insurance Risk ChargeWere actuarial services used to complete this return (Yes/No)Section 3A: GPS 320 TotalTotal direct business - All data itemsTotal reinsurance business - All data itemsAdjustments to PL Insurance Risk Charge as approved by APRA – Total PL insurance risk chargeTotal - All data itemsSection 3B: AASB 1023 TotalTotal direct business - All data itemsTotal reinsurance business - All data itemsTotal - All data itemsOther items descriptionSection 3C: Total premiums liabilities surplus / deficitTotal direct business – premiums liabilities surplus/deficitTotal reinsurance business– premiums liabilities surplus/deficitTotal deferred reinsurance expenses for future business not yet writtenTotal premiums liabilities surplus/deficit

Reporting Standard GRS 115.1 Premiums Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)

GRF 117.0: Asset Concentration Risk Charge (GEN)Capital baseAdjusted net assets in AustraliaSection 2A: Asset Concentration Risk Charge limits - All data itemsSection 3: Totals and risk charges3.1 Reinsurers with counterparty grade 43.2 Reinsurers with counterparty grade 5, 6 or 73.3 Reinsurance Asset Concentration Risk Charge3.4 Related parties part of an APRA-regulated group3.5 Unrelated parties part of an APRA-regulated group3.6 Other3.7 Non-reinsurance Asset Concentration Risk Charge3.8 Adjustments to Asset Concentration Risk Charge as approved by APRA – Total amount3.9 Asset Concentration Risk Charge

Reporting Standard GRS_117.0: Asset Concentration Risk Charge (which came into effect on 1 January 2013)

GRF 118.0: Operational Risk Charge (GEN)Operational Risk Charge for inwards reinsurance business (ORCI) – All data itemsOperational Risk Charge for business that is not inwards reinsurance (ORCNI) - All data itemsAdjustments to Operational Risk Charge as approved by APRA – Total amountTotal Operational Risk Charge

Reporting Standard GRS 118.0: Operational Risk Charge (which came into effect on 1 January 2013)

GRF 310.1 L: Premium Revenue and Reinsurance ExpenseSection 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal - All data itemsOf which is from/with: Parent entity - All data itemsOf which is from/with: Controlled entities/ Controlled entities of the parent - All data itemsOf which is from/with: Associates/Joint ventures - All data itemsOf which is from/with: Other related entities - All data items

Reporting Standard GRS 310.1 Premium Revenue and Reinsurance Expense(which came into effect on 1 January 2013)

GRF 310.2 L: Claims Expense and Reinsurance Recoveries (L)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal - All data itemsOf which is from/with: Parent entity - All data itemsOf which is from/with: Controlled entities/ Controlled entities of the parent - All data itemsOf which is from/with: Associates/Joint ventures - All data itemsOf which is from/with: Other related entities - All data items

Reporting Standard GRS 310.2 Claims Expense and Reinsurance Recoveries (which came into effect on 1 January 2013)

GRF 310.3 L: Details of Income and ExpensesInvestment income – All data itemsOperating income – All data itemsOperating expenses – All data itemsUnderwriting expenses and Acquisition costsSection 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items

Reporting Standard GRS 310.3 Details of Income and Expenses (which came into effect on 1 January 2013)

GRF 410.0 L: Movement In Outstanding Claims LiabilitiesSection 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items

Reporting Standard GRS 410.0 Movement in Outstanding Claims Liabilities (which came into effect on 1 January 2013)

GRF 440.0 L: Claims Development Table (L)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items

Reporting Standard GRS 440.0 Claims Development Tables (which came into effect on 1 January 2015)

Parts of reporting form covered by this determination	Reporting standards
GRF 900.0_L: Statement of Financial Performance and Position (L) – All data itemsGRF_900.1_L: Premium Revenue, Reinsurance and Claims Expenses (L)Part 1B: Total – All data itemsPart 2B: Total – All data items	Reporting Standard GRS 900.0 Transitional Arrangements 2010 (Effective until July 2010)

Parts of reporting form covered by this determination	Reporting standards
GRF_110.1_G: Prescribed Capital Amount (G)Section 1 Summary of prescribed capital amount:Insurance Risk Charge:GRF_115.0_G: OCL Insurance Risk ChargeGRF_115.1_G: PL Insurance Risk Charge.GRF_116.0_G: Insurance - Concentration Risk Charge.GRF_114.0_G: Asset Risk Charge.GRF_117.0_G: Asset Concentration Risk Charge.GRF_118.0_G: Operational Risk Charge.Aggregation benefitAdjustments to prescribed capital amount as approved by APRA – Total amount.Prescribed capital amount.Section 2: Capital Adequacy Assessment – All data items	Reporting Standard GRS 110.1_G Prescribed Capital Amount (which came into effect on 1 January 2013)
GRF_114.0 G: Asset Risk ChargeSection 1 : Asset Risk Charge calculationItems subject to stressImpact on capital baseRisk charge componentsAggregate risk charge componentLess: Tax benefits deductionAdjustments to Asset Risk Charge as approved by APRA – Total amountAsset Risk ChargeSection 2: Additional information8. Assets fair values subject to credit spreads stress9. Stressed asset values post credit spreads stress10. Yields used in stress scenarios	Reporting Standard GRS 114.0_G Asset Risk Charge (which came into effect on 1 January 2013)
GRF_115.0A_G Outstanding Claims Liabilities - Insurance Risk Charge - Australia by Class of Business (G)Were actuarial services used to complete this return (Yes/No)Section 2: Direct business (International)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsGroup adjustments – All dataAdjustments to OCL Insurance Risk Charge as approved by APRATotal - All data itemsOCL surplus / (deficit)	Reporting Standard GRS 115.0_G Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)
GRF_115.0B_G Outstanding Claims Liabilities - Insurance Risk Charge - Australia by Region (G)Were actuarial services used to complete this return (Yes/No)Section 1: Direct business (Australian)All data itemsSection 2: Direct business (International)All data itemsSection 3: Reinsurance business (Australian)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsGroup adjustmentsAdjustments to OCL Insurance Risk Charge as approved by APRATotal - All data itemsOCL surplus / (deficit)	Reporting Standard GRS 115.0_G Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)
GRF_115.1A_G Premiums Liabilities - Insurance Risk Charge - Australia by Class of Business (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 320 BASISSection 2: Direct business (International)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - GPS 320 basis – All data itemsPART B: PREMIUMS LIABILITIES - AASB BASISSection 7: Direct business (International)All data itemsSection 9: Reinsurance business (International)All data itemsSection 10: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - AASB basis – All data itemsPART C: ADDITIONAL POLICIES RISK CHARGESection 12: Direct business (International) - Net written premium for material business that incepts in the next reporting period – All data itemsSection 14: Reinsurance business (International) - Net written premium for material business that incepts in the next reporting period – All data itemsPART D: TOTAL PREMIUMS LIABILITIESSection 15: TotalTotal Australian direct business - All data itemsTotal Australian reinsurance business - All data itemsTotal International direct business - All data itemsTotal International reinsurance business - All data itemsGroup adjustmentsAdjustments to PL Insurance Risk Charge as approved by APRATotal - All data itemsPL surplus / (deficit) – All data items	Reporting Standard GRS 115.1_G Premiums Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)
GRF_115.1B_G Premiums liabilities - Insurance Risk Charge - Australia by Region (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 320 BASISAll data itemsPART B: PREMIUMS LIABILITIES - AASB BASISAll data itemsPART C: ADDITIONAL POLICIES RISK CHARGEAll data itemsPART D: TOTAL PREMIUMS LIABILITIESSection 15: TotalTotal Australian direct business - All data itemsTotal Australian reinsurance business - All data itemsTotal International direct business - All data itemsTotal International reinsurance business - All data itemsGroup adjustmentsAdjustments to PL Insurance Risk Charge as approved by APRATotal - All data itemsPL surplus / (deficit) – All data items	Reporting Standard GRS 115.1_G Premiums Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)
GRF_117.0_G: Asset Concentration Risk Charge (G)Capital baseSection 2A: Asset Concentration Risk Charge limitsAll data itemsSection 3: Totals and risk charges3.1 Reinsurers with counterparty grade 43.2 Reinsurers with counterparty grade 5, 6 or 73.3 Reinsurance Asset Concentration Risk Charge3.4 Related parties part of an APRA-regulated group3.5 Unrelated parties part of an APRA-regulated group3.6 Other3.7 Non-reinsurance Asset Concentration Risk Charge3.8 Adjustments to Asset Concentration Risk Charge as approved by APRA – Total amount3.9 Asset Concentration Risk Charge	Reporting Standard GRS 117.0_G Asset Concentration Risk Charge (which came into effect on 1 January 2013)
GRF_118.0_G: Operational Risk Charge (G)Operational Risk Charge for inwards reinsurance business (ORCI) – All data itemsOperational Risk Charge for business that is not inwards reinsurance (ORCNI) - All data itemsAdjustments to Operational Risk Charge as approved by APRA – Total amountTotal Operational Risk Charge	Reporting Standard GRS 118.0_G Operational Risk Charge (which came into effect on 1 January 2013)

Parts of reporting form covered by this determination

Reporting standards

GRF_110.1_G: Prescribed Capital Amount (G)Section 1 Summary of prescribed capital amount:Insurance Risk Charge:GRF_115.0_G: OCL Insurance Risk ChargeGRF_115.1_G: PL Insurance Risk Charge.GRF_116.0_G: Insurance - Concentration Risk Charge.GRF_114.0_G: Asset Risk Charge.GRF_117.0_G: Asset Concentration Risk Charge.GRF_118.0_G: Operational Risk Charge.Aggregation benefitAdjustments to prescribed capital amount as approved by APRA – Total amount.Prescribed capital amount.Section 2: Capital Adequacy Assessment – All data items

Reporting Standard GRS 110.1_G Prescribed Capital Amount (which came into effect on 1 January 2013)

GRF_114.0 G: Asset Risk ChargeSection 1 : Asset Risk Charge calculationItems subject to stressImpact on capital baseRisk charge componentsAggregate risk charge componentLess: Tax benefits deductionAdjustments to Asset Risk Charge as approved by APRA – Total amountAsset Risk ChargeSection 2: Additional information8. Assets fair values subject to credit spreads stress9. Stressed asset values post credit spreads stress10. Yields used in stress scenarios

Reporting Standard GRS 114.0_G Asset Risk Charge (which came into effect on 1 January 2013)

GRF_115.0A_G Outstanding Claims Liabilities - Insurance Risk Charge - Australia by Class of Business (G)Were actuarial services used to complete this return (Yes/No)Section 2: Direct business (International)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsGroup adjustments – All dataAdjustments to OCL Insurance Risk Charge as approved by APRATotal - All data itemsOCL surplus / (deficit)

Reporting Standard GRS 115.0_G Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)

GRF_115.0B_G Outstanding Claims Liabilities - Insurance Risk Charge - Australia by Region (G)Were actuarial services used to complete this return (Yes/No)Section 1: Direct business (Australian)All data itemsSection 2: Direct business (International)All data itemsSection 3: Reinsurance business (Australian)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsGroup adjustmentsAdjustments to OCL Insurance Risk Charge as approved by APRATotal - All data itemsOCL surplus / (deficit)

Reporting Standard GRS 115.0_G Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)

GRF_115.1A_G Premiums Liabilities - Insurance Risk Charge - Australia by Class of Business (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 320 BASISSection 2: Direct business (International)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - GPS 320 basis – All data itemsPART B: PREMIUMS LIABILITIES - AASB BASISSection 7: Direct business (International)All data itemsSection 9: Reinsurance business (International)All data itemsSection 10: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - AASB basis – All data itemsPART C: ADDITIONAL POLICIES RISK CHARGESection 12: Direct business (International) - Net written premium for material business that incepts in the next reporting period – All data itemsSection 14: Reinsurance business (International) - Net written premium for material business that incepts in the next reporting period – All data itemsPART D: TOTAL PREMIUMS LIABILITIESSection 15: TotalTotal Australian direct business - All data itemsTotal Australian reinsurance business - All data itemsTotal International direct business - All data itemsTotal International reinsurance business - All data itemsGroup adjustmentsAdjustments to PL Insurance Risk Charge as approved by APRATotal - All data itemsPL surplus / (deficit) – All data items

Reporting Standard GRS 115.1_G Premiums Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)

GRF_115.1B_G Premiums liabilities - Insurance Risk Charge - Australia by Region (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 320 BASISAll data itemsPART B: PREMIUMS LIABILITIES - AASB BASISAll data itemsPART C: ADDITIONAL POLICIES RISK CHARGEAll data itemsPART D: TOTAL PREMIUMS LIABILITIESSection 15: TotalTotal Australian direct business - All data itemsTotal Australian reinsurance business - All data itemsTotal International direct business - All data itemsTotal International reinsurance business - All data itemsGroup adjustmentsAdjustments to PL Insurance Risk Charge as approved by APRATotal - All data itemsPL surplus / (deficit) – All data items

Reporting Standard GRS 115.1_G Premiums Liabilities - Insurance Risk Charge (which came into effect on 1 January 2013)

GRF_117.0_G: Asset Concentration Risk Charge (G)Capital baseSection 2A: Asset Concentration Risk Charge limitsAll data itemsSection 3: Totals and risk charges3.1 Reinsurers with counterparty grade 43.2 Reinsurers with counterparty grade 5, 6 or 73.3 Reinsurance Asset Concentration Risk Charge3.4 Related parties part of an APRA-regulated group3.5 Unrelated parties part of an APRA-regulated group3.6 Other3.7 Non-reinsurance Asset Concentration Risk Charge3.8 Adjustments to Asset Concentration Risk Charge as approved by APRA – Total amount3.9 Asset Concentration Risk Charge

Reporting Standard GRS 117.0_G Asset Concentration Risk Charge (which came into effect on 1 January 2013)

GRF_118.0_G: Operational Risk Charge (G)Operational Risk Charge for inwards reinsurance business (ORCI) – All data itemsOperational Risk Charge for business that is not inwards reinsurance (ORCNI) - All data itemsAdjustments to Operational Risk Charge as approved by APRA – Total amountTotal Operational Risk Charge

Reporting Standard GRS 118.0_G Operational Risk Charge (which came into effect on 1 January 2013)

Parts of reporting form covered by this determination	Reporting standards
GRF_440.0_L: Claims Development Table (L)Section 3:Total direct business - All data itemsTotal reinsurance business - All data itemsTotal – All data items	Reporting Standard GRS 440.0 Claims Development Tables (which came into effect on 1 January 2013)

Parts of reporting form covered by this determination	Reporting standards
GRF_150.0_B: Asset Exposure Concentrations and Risk Charge (B)Adjusted net assets in Australia.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGEGRF_150.0_L: Asset Exposure Concentrations and Risk Charge (L)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE	Reporting Standard GRS 150.0 (2010) Asset Exposure Concentrations and Risk Charge (which came into effect on 30 August 2010)

Parts of reporting form covered by this determination	Reporting standards
GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L)Were actuarial services used to complete this return (Yes / No)Part 3: TotalAll data itemsGRF_210_1_L: Premiums Liabilities - Insurance Risk Charge (L)Were actuarial services used to complete this return (Yes / No)Part 3A: GPS 310 TotalAll data itemsPart 3B: AASB 1023 TotalAll data itemsPart 3C: Total Premiums liabilities Surplus / DeficitAll data items	Reporting Standard GRS 210 (2010) Insurance Risk Charge (which came into effect on 30 August 2010)

Parts of reporting form covered by this determination	Reporting standards
GRF_310.0_B: Statement of Financial Performance (B) – All data itemsGRF_310.0_L: Statement of Financial Performance ( L ) – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance ExpensePart 3: Total – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries (L)Part 3: Total – All data itemsGRF_310.3_L: Details of Income and ExpensesSection 1. Investment income – All data itemsSection 2. Operation income – All data itemsSection 3. Operation expenses – All data itemsSection 4. Underwriting expenses and Acquisition costsTotal underwriting expenses and acquisition costs – All data items	Reporting Standard GRS 310 (2010) Statement of Financial Performance (which came into effect on 30 August 2010)
GRF_400.0_L: Statement of Risk by Country - All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision (L)Total direct business – All data itemsTotal RI business – All data itemsTotal – All data itemsGRF_440.0_L: Claims Development Table (L)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 400 (2010) Supplementary Reporting Information (which came into effect on 24 August 2010)

Parts of reporting form covered by this determination	Reporting standards
GRF_150.0_B: Asset Exposure Concentrations and Risk Charge (B)Adjusted net assets in Australia.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGEGRF_150.0_L: Asset Exposure Concentrations and Risk Charge (L)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE	Reporting Standard GRS 150.0 (2008) Asset Concentration and Risk Charge (which came into effect on 23 October 2008)

Parts of reporting form covered by this determination	Reporting standards
GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L)Were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.0 (2008) Outstanding Claims Provision - Insurance Risk Charge (which came into effect on 23 October 2008)
GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L)Were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.1 (2008) Premium Liabilities - Insurance Risk Charge (which came into effect on 23 October 2008)

Parts of reporting form covered by this determination	Reporting standards
GRF_310.1_L: Premium Revenue and Reinsurance ExpenseTotal Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 310.1 (2008) Premium Revenue and Reinsurance Expense (which came into effect on 23 October 2008)
GRF_310.2_L: Claims Expense and Reinsurance Recoveries (L)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 310.2 (2008) Claims Expense and Reinsurance Recoveries (which came into effect on 23 October 2008)

Parts of reporting form covered by this determination	Reporting standards
GRF_410.0_L: Movement In Outstanding Claims Provision (L)Total direct business – All data itemsTotal RI business – All data itemsTotal – All data items	Reporting Standard GRS 410.0 (2008) Movement in Outstanding Claims Provision (which came into effect on 23 October 2008)
GRF_440.0_L: Claims Development Table (L)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 440.0 (2008) Claims Development Tables (which came into effect on 23 October 2008)

Parts of reporting form covered by this determination	Reporting standards
GRF_150.0_B: Asset Exposure Concentrations and Risk Charge (B)Adjusted net assets in Australia.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGEGRF_150.0_L: Asset Exposure Concentrations and Risk Charge (L)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE	Reporting Standard GRS 150.0 (2007) Asset Exposure Concentrations and Risk Charge (which came into effect on 1 January 2007)

Parts of reporting form covered by this determination	Reporting standards
GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L)Were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.0 (2007) Outstanding Claims Provision - Insurance Risk Charge (which came into effect on 1 January 2007)
GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L)Were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.1 (2007) Premium Liabilities - Insurance Risk Charge (which came into effect on 1 January 2007)

Parts of reporting form covered by this determination	Reporting standards
GRF_310.1_L: Premium Revenue and Reinsurance ExpenseTotal Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 310.1 (2007) Premium Revenue and Reinsurance Expense (which came into effect on 1 January 2007)
GRF_310.2_L: Claims Expense and Reinsurance Recoveries (L)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 310.2 (2007) Claims Expense and Reinsurance Recoveries (which came into effect on 1 January 2007)

Parts of reporting form covered by this determination	Reporting standards
GRF_410.0_L: Movement In Outstanding Claims Provision (L)Total direct business – All data itemsTotal RI business – All data itemsTotal – All data items	Reporting Standard GRS 410.0 (2007) Movement in Outstanding Claims Provision (which came into effect on 1 January 2007)
GRF_440.0_L: Claims Development Table (B)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_440.0_L: Claims Development Table (L)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 440.0 (2007) Claims Development Tables (which came into effect on 1 January 2007)

Parts of reporting form covered by this determination	Reporting standards
GRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Group)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Branch (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk charge	Reporting Standard GRS 150.0 (2005) Asset Exposure Concentrations and Risk Charge (which came into effect on 1 July 2005)

Parts of reporting form covered by this determination	Reporting standards
GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210_0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.0 (2005) Outstanding Claims Provision - Insurance Risk Charge (which came into effect on 1 July 2005)
GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.1 (2005) Premium Liabilities - Insurance Risk Charge (which came into effect on 1 July 2005)

Parts of reporting form covered by this determination

Reporting standards

GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210_0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items

Reporting Standard GRS 210.0 (2005) Outstanding Claims Provision - Insurance Risk Charge (which came into effect on 1 July 2005)

GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items

Reporting Standard GRS 210.1 (2005) Premium Liabilities - Insurance Risk Charge (which came into effect on 1 July 2005)

Parts of reporting form covered by this determination	Reporting standards
GRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Group)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Branch (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data items	Reporting Standard GRS 310.1 (2005) Premium Revenue and Reinsurance Expense (which came into effect on 1 July 2005)
GRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Group)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Branch (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data items	Reporting Standard GRS 310.2 (2005) Claims Expense and Reinsurance Recoveries (which came into effect on 1 July 2005)

Parts of reporting form covered by this determination

Reporting standards

GRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Group)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Branch (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data items

Reporting Standard GRS 310.1 (2005) Premium Revenue and Reinsurance Expense (which came into effect on 1 July 2005)

GRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Group)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Branch (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data items

Reporting Standard GRS 310.2 (2005) Claims Expense and Reinsurance Recoveries (which came into effect on 1 July 2005)

Parts of reporting form covered by this determination	Reporting standards
GRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Licensed insurer)Total direct business – All data itemsTotal reinsurance business – All data itemsTotal – All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Group)Total direct business – All data itemsTotal reinsurance business – All data itemsTotal – All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Branch (Licensed insurer)Total direct business – All data itemsTotal reinsurance business – All data itemsTotal – All data items	Reporting Standard GRS 410.0 (2005) Movement in Outstanding Claims Provision (which came into effect on 1 July 2005)
GRF_440.0_L: Claims Development Table – Insurer (Licensed insurer)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_440.0_L: Claims Development Table – Group (Licensed insurer)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_440.0_L: Claims Development Table – Branch (Licensed insurer)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 440.0 (2005) Claims Development Tables (which came into effect on 1 July 2005)

Parts of reporting form covered by this determination	Reporting standards
GRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Group)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Branch (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk charge	Reporting Standard GRS 150.0 (2002) Asset Exposure Concentrations and Risk Charge made on 28 June 2002 (which came into effect on 1 July 2002)

Parts of reporting form covered by this determination	Reporting standards
GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.0 (2002) Outstanding Claims Provision - Insurance Risk Charge made on 28 June 2002 (which came into effect on 1 July 2002)
GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 210.1 (2002) Premium Liabilities - Insurance Risk Charge made on 28 June 2002 (which came into effect on 1 July 2002)

Parts of reporting form covered by this determination

Reporting standards

GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Group)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Branch (Licensed insurer)Actuarial services are not mandatory on a quarterly basis, however were actuarial services used to complete this return (Yes / No)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data items

Reporting Standard GRS 210.0 (2002) Outstanding Claims Provision - Insurance Risk Charge made on 28 June 2002 (which came into effect on 1 July 2002)

Reporting Standard GRS 210.1 (2002) Premium Liabilities - Insurance Risk Charge made on 28 June 2002 (which came into effect on 1 July 2002)

Parts of reporting form covered by this determination	Reporting standards
GRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Group)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Branch (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data items	Reporting Standard GRS 310.1 (2002) Premium Revenue and Reinsurance Expense made on 28 June 2002 (which came into effect on 1 July 2002)
GRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Group)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Branch (Licensed insurer)Total Direct Business - All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsOf which is from/with:Parent entity – All data itemsControlled entities / controlled entities of the parent – All data itemsAssociates – All data itemsOther related entities – All data items	Reporting Standard GRS 310.2 (2002) Claims Expense and Reinsurance Recoveries made on 28 June 2002 (which came into effect on 1 July 2002)

Parts of reporting form covered by this determination

Reporting standards

Reporting Standard GRS 310.1 (2002) Premium Revenue and Reinsurance Expense made on 28 June 2002 (which came into effect on 1 July 2002)

Reporting Standard GRS 310.2 (2002) Claims Expense and Reinsurance Recoveries made on 28 June 2002 (which came into effect on 1 July 2002)

Parts of reporting form covered by this determination	Reporting standards
GRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Licensed insurer)Total direct business – All data itemsTotal reinsurance business – All data itemsTotal – All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Group)Total direct business – All data itemsTotal reinsurance business – All data itemsTotal – All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Branch (Licensed insurer)Total direct business – All data itemsTotal reinsurance business – All data itemsTotal – All data items	Reporting Standard GRS 410.0 (2002) Movement in Outstanding Claims Provision made on 28 June 2002 (which came into effect on 1 July 2002)
GRF_440.0_L: Claims Development Table – Insurer (Licensed insurer)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_440.0_L: Claims Development Table – Group (Licensed insurer)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data itemsGRF_440.0_L: Claims Development Table – Branch (Licensed insurer)Total Direct Business – All data itemsTotal Reinsurance Business – All data itemsTotal – All data items	Reporting Standard GRS 440.0 (2002) Claims Development Tables made on 28 June 2002 (which came into effect on 1 July 2002)

Parts of reporting form covered by this determination	Reporting standards
GRF_110.0_G Minimum Capital Requirement (G)GRF_131.0_G: Total off-balance sheet exposure risk chargeGRF_141.0_G: Listed equity holdings risk chargeGRF_150.0_G: Asset exposure concentration risk chargeGRF_300.0_G: Statement of financial position - Investment risk chargeGRF_301.0_G: Reinsurance assets and risk chargeDerivatives activity and risk charge – all data itemsConcentration risk charge for: GRF_210.0_G: OCL insurance risk chargeConcentration risk charge for: GRF_210.1_G: Premiums liabilities insurance risk chargeTotal variation in capital charges as approved by APRAMinimum capital requirementGRF_120.0_G: Determination of capital baseCapital surplus (deficiency)Solvency coverageCapital adequacy ratio %	Reporting Standard GRS 110.0_G (2011) Minimum Capital Requirement (which came into effect on 1 July 2011)

Parts of reporting form covered by this determination	Reporting standards
GRF_210.0A_G Outstanding Claims Liability - Insurance Risk Charge - Australia by class of business (G)Were actuarial services used to complete this return (Yes/No)Table 2: Direct business (International)All data itemsTable 4: Reinsurance business (International)All data itemsTable 5: TotalAll data itemsTechnical provisions in excess or deficit of liability valuationGRF_210.0B_G Outstanding Claims Liability - Insurance Risk Charge - Australia by region (G)All data items	Reporting Standard GRS 210.0_G (2011) Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 July 2011)
GRF_210.1A_G Premium liabilities - Insurance Risk Charge - Australia by class of business (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 310 BASISTable 2: Direct business (International)All data itemsTable 4: Reinsurance business (International)All data itemsTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - GPS 310 basis – All data itemsPART B: PREMIUMS LIABILITIES - AASB BASISTable 6: Direct business (International)All data itemsTable 8: Reinsurance business (International)All data itemsTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - AASB basis – All data itemsPART C: ADDITIONAL POLICIES RISK CHARGETable 10: Direct business (International) - Policies incepting in following reporting period with a material impact on capital requirements and not otherwise included in the capital requirements – All data itemsTable 12: Reinsurance business (International) - Policies incepting in following reporting period with a material impact on capital requirements and not otherwise included in the capital requirements – All data itemsPART D: TOTAL PREMIUMS LIABILITIESAll data itemsTotal - All data itemsExcess technical provisions on premium liabilities – All data itemsGRF_210.1B_G Premium liabilities - Insurance Risk Charge - Australia by region (G)All data items	Reporting Standard GRS 210.1_G (2011) Premiums Liabilities - Insurance Risk (which came into effect on 1 July 2011)

Parts of reporting form covered by this determination

Reporting standards

GRF_210.0A_G Outstanding Claims Liability - Insurance Risk Charge - Australia by class of business (G)Were actuarial services used to complete this return (Yes/No)Table 2: Direct business (International)All data itemsTable 4: Reinsurance business (International)All data itemsTable 5: TotalAll data itemsTechnical provisions in excess or deficit of liability valuationGRF_210.0B_G Outstanding Claims Liability - Insurance Risk Charge - Australia by region (G)All data items

Reporting Standard GRS 210.0_G (2011) Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 1 July 2011)

GRF_210.1A_G Premium liabilities - Insurance Risk Charge - Australia by class of business (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 310 BASISTable 2: Direct business (International)All data itemsTable 4: Reinsurance business (International)All data itemsTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - GPS 310 basis – All data itemsPART B: PREMIUMS LIABILITIES - AASB BASISTable 6: Direct business (International)All data itemsTable 8: Reinsurance business (International)All data itemsTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - AASB basis – All data itemsPART C: ADDITIONAL POLICIES RISK CHARGETable 10: Direct business (International) - Policies incepting in following reporting period with a material impact on capital requirements and not otherwise included in the capital requirements – All data itemsTable 12: Reinsurance business (International) - Policies incepting in following reporting period with a material impact on capital requirements and not otherwise included in the capital requirements – All data itemsPART D: TOTAL PREMIUMS LIABILITIESAll data itemsTotal - All data itemsExcess technical provisions on premium liabilities – All data itemsGRF_210.1B_G Premium liabilities - Insurance Risk Charge - Australia by region (G)All data items

Reporting Standard GRS 210.1_G (2011) Premiums Liabilities - Insurance Risk (which came into effect on 1 July 2011)

Parts of reporting form covered by this determination	Reporting standards
GRF_150.0_G Asset Exposure Concentrations and Risk Charge (G)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE	Reporting Standard GRS 150.0_G (2009) Asset Exposure Concentrations and Risk Charge (which came into effect on 31 August 2009)
GRF_210.0_G Outstanding Claims Liability - Insurance Risk Charge (G)Were actuarial services used to complete this return (Yes/No)Table 2: Direct business (International)All data itemsTable 4: Reinsurance business (International)All data itemsSection 5: TotalAll data itemsTechnical provisions in excess or deficit of liability valuation	Reporting Standard GRS 210.0_G (2009) Outstanding Claims Liabilities - Insurance Risk Charge (which came into effect on 31 August 2009)
GRF_210.1_G Premium liabilities - Insurance Risk Charge (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 310 BASISTable 2: Direct business (International)All data itemsTable 4: Reinsurance business (International)All data itemsTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - GPS 310 basis – All data itemsPART B: PREMIUMS LIABILITIES - AASB BASISTable 6: Direct business (International)All data itemsTable 8: Reinsurance business (International)All data itemsTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsTotal premiums liabilities - AASB basis – All data itemsPART C: TOTAL PREMIUM LIABILITIESAll data items	Reporting Standard GRS 210.1_G (2009) Premiums Liabilities - Insurance Risk (which came into effect on 31 August 2009)