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Now, supporting those four operating groups are four very important central
service groups that ensure again that we deliver strong results through cycles
and those are our legal and governance group and our risk management group
that give us both strong second line review and also assisting in executing in
terms of initiatives we take. Then our financial management group, which is
responsible not just for our financial and regulatory reporting in our
engagement with external stakeholders but also our funding and capital
through cycles, and then lastly our corporate operations group that delivers our
entire platform across technology, HR, premises, strategy et cetera.
Now, all those eight areas together in this last financial year delivered, as you
saw, a record result of $A518.2 billion and that was up 10% on the previous
financial year. The return on equity at 1.69% was down a bit on the 18.7% last
year but that was principally due to much increased capital position with our
capital surplus now materially higher than it was at the end of last year, and
we'll touch on that as we go through the presentation.
I won't dwell on the half-on-half changes but year-on-year the contribution
from our operating group was also up nearly 10%. It was up 9% on the previous
financial year and that was made up of the annuity style businesses being down
17%, principally due to some large one-off items last financial year. I