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(1) Accrued interest of $10 million (31 March 2013: $16 million) is included in the less than 12 months principal sum due to lenders. (2) 

The balance is net of fair value hedge accounting adjustments. 

The Consolidated Entity has not had any defaults of principal, interest or other breaches with respect to its loan capital during the years reported. 

In accordance with APRA guidelines, MBL includes the applicable portion of its loan capital principal as Tier 2 capital. 

