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["INFORMATION REQUIREMENTS "]
[null,"Under the Pre-qualifying tool assessment the following documentation need only be requested for files with an overall risk grade that 'meets qualifying criteria'. Some files with an overall risk grade that advises 'discuss with BDM' may require additional information at the request of the BDM or allocated Broker Banker."]
["Please Select Loan Purpose","Please select loan purpose"]
["Industry","Please Select"]
["Enter Your Unique BUID below"]
[420353213,{"$f":"IFERROR(IF(B4<>\"\",VLOOKUP(B4,'Dropdown Menu'!AG3:AH28,2,FALSE),\"\"),\"\")","v":""}]
[{"$f":"IF(B4=\"Other\",\"Please Specify Industry\",\"\")","v":""}]
[]
["Loan Purpose","INFORMATION REQUIRED"]
["Working Capital"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-   (1) Customer Consent and Statement of Position  or  (2) Business Finance Application Form\",\"-   Business Finance Application Form\")","v":"-   Business Finance Application Form"}]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   NAB Broker Living expense calculator \")","v":"-   NAB Broker Living expense calculator "}]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months\",\"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)\")","v":"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year personal tax returns (all Directors & Guarantors) [required where entered into financial inputs - explain period variances where appropriate]\",\"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment\")","v":"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits) [required where entered into financial inputs]\",\"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)\")","v":"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Minimum 1 Business Activity Statement (BAS) no older than 4 months old  [not required if Accountant prepared year end financials]\",\"\")","v":""}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    Confirmation that Customer meets or will meet NAB's My Bank Requirements\",\" \")","v":" "}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-    6 Months Statements of business transaction statements\")","v":"-    6 Months Statements of business transaction statements"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-    6 Months Statements of Non-Nab Transaction & Loan Accounts\")","v":"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"}]
[null,"-    Trust Deed (if Applicable)"]
[null,{"$f":"IF(B3='Dropdown Menu'!P6,\"-    Simple Trade Finance Job Aid (accredited brokers only)\",\"\")","v":""}]
["Refinance"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-   (1) Customer Consent and Statement of Position  or  (2) Business Finance Application Form\",\"-   Business Finance Application Form\")","v":"-   Business Finance Application Form"}]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   NAB Broker Living expense calculator \")","v":"-   NAB Broker Living expense calculator "}]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months\",\"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)\")","v":"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year personal tax returns (all Directors & Guarantors) [required where entered into financial inputs - explain period variances where appropriate]\",\"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment\")","v":"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits) [required where entered into financial inputs]\",\"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)\")","v":"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Minimum 1 Business Activity Statement (BAS) no older than 4 months old  [not required if Accountant prepared year end financials]\",\"\")","v":""}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    Confirmation that Customer meets or will meet NAB's My Bank Requirements\",\" \")","v":" "}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-    6 Months Statements for facilities being refinanced\")","v":"-    6 Months Statements for facilities being refinanced"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    6 Months Statements or Transaction Listings for refinance Loan Accounts\",\"-    6 Months Statements of Non-Nab Transaction & Loan Accounts\")","v":"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"}]
[null,"-    Trust Deed (if Applicable)"]
["Buy Business/Fund Renovations to Business"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-   (1) Customer Consent and Statement of Position  or  (2) Business Finance Application Form\",\"-   Business Finance Application Form\")","v":"-   Business Finance Application Form"}]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   NAB Broker Living expense calculator \")","v":"-   NAB Broker Living expense calculator "}]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months\",\"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)\")","v":"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year personal tax returns (all Directors & Guarantors) [required where entered into financial inputs - explain period variances where appropriate]\",\"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment\")","v":"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits) [required where entered into financial inputs]\",\"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)\")","v":"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Minimum 1 Business Activity Statement (BAS) no older than 4 months old  [not required if Accountant prepared year end financials]\",\"\")","v":""}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    Confirmation that Customer meets or will meet NAB's My Bank Requirements\",\" \")","v":" "}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-    6 Months Statements of Non-Nab Transaction & Loan Accounts\")","v":"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"}]
[null,"-    Trust Deed (if Applicable)"]
[null,"-    Contract of Sale"]
[null,"-    Costings & Quotes (Renovations Only)"]
[null,"-    Business Plan (Buy Business Only)"]
["Purchase Asset – Owner Occupied Property / Other Assets"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-   (1) Customer Consent and Statement of Position  or  (2) Business Finance Application Form\",\"-   Business Finance Application Form\")","v":"-   Business Finance Application Form"}]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   NAB Broker Living expense calculator \")","v":"-   NAB Broker Living expense calculator "}]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months\",\"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)\")","v":"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year personal tax returns (all Directors & Guarantors) [required where entered into financial inputs - explain period variances where appropriate]\",\"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment\")","v":"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits) [required where entered into financial inputs]\",\"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)\")","v":"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Minimum 1 Business Activity Statement (BAS) no older than 4 months old  [not required if Accountant prepared year end financials]\",\"\")","v":""}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    Confirmation that Customer meets or will meet NAB's My Bank Requirements\",\" \")","v":" "}]
[null,"-   Funds to complete (can be provisioned via CP)"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   6 Months Statements of Non-Nab Transaction & Loan Accounts\")","v":"-   6 Months Statements of Non-Nab Transaction & Loan Accounts"}]
[null,"-   Trust Deed (if Applicable)"]
[null,"-   Contract of Sale"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   Copy of Lease (if Applicable) \")","v":"-   Copy of Lease (if Applicable) "}]
["Purchase Asset/Refinance –Commercial Investment Property, Commercial/Residential Development Property"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-   (1) Customer Consent and Statement of Position  or  (2) Business Finance Application Form\",\"-   Business Finance Application Form\")","v":"-   Business Finance Application Form"}]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   NAB Broker Living expense calculator \")","v":"-   NAB Broker Living expense calculator "}]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months\",\"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)\")","v":"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year personal tax returns (all Directors & Guarantors) [required where entered into financial inputs - explain period variances where appropriate]\",\"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment\")","v":"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits) [required where entered into financial inputs]\",\"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)\")","v":"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Minimum 1 Business Activity Statement (BAS) no older than 4 months old  [not required if Accountant prepared year end financials]\",\"\")","v":""}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    Confirmation that Customer meets or will meet NAB's My Bank Requirements\",\" \")","v":" "}]
[null,"-   Funds to complete (can be provisioned via CP)"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   6 Months Statements of Non-Nab Transaction & Loan Accounts (if applicable, include statements for facilities being refinanced)\")","v":"-   6 Months Statements of Non-Nab Transaction & Loan Accounts (if applicable, include statements for facilities being refinanced)"}]
[null,"-   Trust Deed (if Applicable)"]
[null,"-   Contract of Sale"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   Copy of Lease (if Applicable) \")","v":"-   Copy of Lease (if Applicable) "}]
["Purchase Asset – Equipment Finance (NB: This application may be eligible for the 'Simplified Equipment Finance Assessment Tool'. Speak to your Small Business BDM for more information)."]
[null,"-   Business Finance Application Form"]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,"-   NAB Broker Living Expense Calculator"]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"]
[null,"o   2 years personal tax returns (All Directors & Guarantors) and Associated Notices of Assessment"]
[null,"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"]
[]
[]
[null,"-   Funds to complete (can be provisioned via CP)"]
[null,"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"]
[null,"-    Trust Deed (if Applicable)"]
[null,"-    Contract of Sale"]
[null,"-    Copy of Insurance (If Already Held)"]
["Debt Restructure (Further details might be required after submission)"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-   (1) Customer Consent and Statement of Position  or  (2) Business Finance Application Form\",\"-   Business Finance Application Form\")","v":"-   Business Finance Application Form"}]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   NAB Broker Living expense calculator \")","v":"-   NAB Broker Living expense calculator "}]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months\",\"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)\")","v":"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  1 Year personal tax returns (all Directors & Guarantors) [required where entered into financial inputs - explain period variances where appropriate]\",\"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment\")","v":"o   2 years personal tax returns (all Directors & Guarantors) and Associated Notices of Assessment"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits) [required where entered into financial inputs]\",\"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)\")","v":"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"o  Minimum 1 Business Activity Statement (BAS) no older than 4 months old  [not required if Accountant prepared year end financials]\",\"\")","v":""}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"-    Confirmation that Customer meets or will meet NAB's My Bank Requirements\",\" \")","v":" "}]
[null,{"$f":"IF(Lookups!$AA$2=\"Yes\",\"\",\"-   6 Months Statements of Non-Nab Transaction & Loan Accounts\")","v":"-   6 Months Statements of Non-Nab Transaction & Loan Accounts"}]
[null,"-   Trust Deed (if Applicable)"]
["Funding to address unexpected cash shortfall and/or slow-paying debtors (Further details might be required after submission)"]
[null,"-   Business Finance Application Form"]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,"-   NAB Broker Living Expense Calculator"]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"]
[null,"o   2 years personal tax returns (All Directors & Guarantors) and Associated Notices of Assessment"]
[null,"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"]
[]
[]
[null,"-   6 Months business transactional statements"]
[null,"-   6 Months Statements of Non-Nab Transaction & Loan Accounts"]
[null,"-   Trust Deed (if Applicable)"]
[null,"-   List of current creditors and debtors (30/60/90 days)"]
[null,"-   Details of unexpected shortfall (Invoices, bills etc)"]
["Debt consolidation to managed financial distress (Further details might be required after submission)"]
[null,"-   Business Finance Application Form"]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,"-   NAB Broker Living Expense Calculator"]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"]
[null,"o   2 years personal tax returns (All Directors & Guarantors) and Associated Notices of Assessment"]
[null,"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"]
[]
[]
[null,"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"]
[null,"-    Trust Deed (if Applicable)"]
[null,"-    6 Months Statements for facilities being refinanced"]
[null,"-    List of current creditors and debtors (30/60/90 days)"]
[null,"-    Details of financial stress and plan to rectify"]
["Refinance debt to manage financial distress (Further details might be required after submission)"]
[null,"-   Business Finance Application Form"]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,"-   NAB Broker Living Expense Calculator"]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"]
[null,"o   2 years personal tax returns (All Directors & Guarantors) and Associated Notices of Assessment"]
[null,"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"]
[]
[]
[null,"-    6 Months Statements for facilities being refinanced"]
[null,"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"]
[null,"-    Trust Deed (if Applicable)"]
[null,"-    List of current creditors and debtors (30/60/90 days)"]
[null,"-    Details of financial stress and plan to rectify"]
["Clearing ATO arrears (Further details might be required after submission)"]
[null,"-   Business Finance Application Form"]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,"-   NAB Broker Living Expense Calculator"]
[null,"-   ATO Portal Statements (Individual & Trading Entities - Itemised Account & Activity Statement)"]
[null,"-   Income Verification:"]
[null,"o   2 years accountant prepared financial statements (or annual management accounts for more recent year end)"]
[null,"o   2 years personal tax returns (All Directors & Guarantors) and Associated Notices of Assessment"]
[null,"o   Income Verification (PAYG – Last 2 payslips, Rental – Rental Statement or Account Credits)"]
[]
[]
[null,"-    6 Months Statements of Non-Nab Transaction & Loan Accounts"]
[null,"-    Trust Deed (if Applicable)"]
[null,"-    List of current creditors and debtors (30/60/90 days)"]
[null,"-    ATO payment plan correspondence"]
[null,"-    Proof of payments made within ATO payment plan"]
["SMSF Commercial Property Purchase"]
[null,"-   SMSF Finance Application Form"]
[null,"-   NAB Commercial Broker commission consent Form"]
[null,"-   NAB Broker Customer ID check Form and copy of Photo ID"]
[null,"-   NAB Broker Living expense calculator "]
[null,"-   Letter from accountant or financial planner to confirm the ongoing SMSF member contributions for self-employed customers"]
[null,"-   Letter from accountant or financial planner to confirm the proposed purchase is within the SMSF’s  strategy and appropriate for clients' circumstances\n     (or a copy of their statement of advice)"]
[null,"-   Certified copy of SMSF Trust Deed  (including all amendments)"]
[null,"-   Security Trust Deed (Unless using NAB SAF Deed)"]
[null,"-   Contract of Sale"]
[null,"-   Last 2 years SMSF financial statements"]
[null,"-   Evidence of Current and/or proposed rental income (lease agreement)"]
[null,"-   6 Months Statements of Non-Nab Transaction & Loan Accounts (SMSF & Directors/Guarantors)"]
[null,"-   ATO Portal Statements (Individual & SMSF Entities - Itemised Account & Activity Statement)"]
[null,"-    Evidence of income for all directors/guarantors (Self Employed – Last 2 years financial statements (or annual management accounts for more recent year end), personal tax returns and Associated Notices of Assessment, PAYG – Last 2 payslips, Rental – Rental Statement of Account Credit)"]
[]
["©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence "]

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0],[734,9,734,10],[735,9,735,10],[736,9,736,10],[721,3,721,10],[708,8,708,10],[144,9,144,10],[146,9,146,10],[88,3,88,10],[50,9,50,10],[78,9,78,10],[80,9,80,10],[159,9,159,10],[161,9,161,10],[163,9,163,10],[165,3,165,6],[76,9,76,10],[513,9,513,10],[515,4,515,5],[1210,9,1210,10],[1124,9,1124,10],[947,8,957,10],[927,4,927,6],[927,9,927,10],[937,8,937,10],[938,9,938,10],[1147,3,1147,10],[928,9,928,10],[945,8,945,10],[946,8,946,10],[98,9,98,10],[90,9,90,10],[108,9,108,10],[197,9,197,10],[157,9,157,10],[895,4,895,6],[895,9,895,10],[896,9,896,10],[843,8,843,10],[827,4,827,6],[845,8,855,10],[249,9,249,10],[251,9,251,10],[737,9,737,10],[757,4,757,6],[768,9,768,10],[700,9,700,10],[699,8,699,10],[718,3,718,6],[704,8,704,10],[705,8,705,10],[1159,8,1159,10],[1163,8,1175,10],[1024,3,1024,6],[1177,3,1177,10],[1151,9,1151,10],[1131,8,1131,10],[1121,9,1121,10],[1009,9,1009,10],[1010,8,1010,10],[1011,8,1011,10],[1012,8,1012,10],[1032,9,1032,10],[769,9,769,10],[903,8,903,10],[808,8,808,10],[803,9,803,10],[1122,9,1122,10],[963,4,963,6],[1089,9,1089,10],[1029,4,1029,6],[1029,9,1029,10],[939,9,939,10],[940,9,940,10],[941,9,941,10],[942,8,942,10],[943,8,943,10],[931,8,931,10],[965,4,965,6],[773,8,773,10],[879,8,889,10],[904,9,904,10],[905,9,905,10],[740,8,740,10],[791,4,791,6],[1149,4,1149,6],[1093,4,1093,6],[1099,8,1099,10],[1100,8,1100,10],[1347,4,1347,5],[1379,3,1381,7],[1380,8,1380,9],[1371,4,1371,8],[1355,3,1355,6],[1370,4,1370,8],[1375,4,1375,8],[1376,4,1376,8],[1377,4,1377,8],[1373,4,1373,8],[1356,4,1356,8],[1358,4,1358,8],[1237,3,1237,10],[1239,4,1239,6],[1102,8,1102,10],[1153,4,1153,6],[1161,8,1161,10],[1211,4,1211,6],[1219,8,1219,10],[1182,9,1182,10],[1160,8,1160,10],[1280,8,1280,10],[1281,8,1281,10],[1282,8,1282,10],[931,4,931,6],[908,8,908,10],[1389,4,1389,5],[1389,6,1389,7],[1365,4,1365,8],[1360,4,1360,8],[1416,4,1416,5],[1368,4,1368,8],[1369,4,1369,8],[1366,4,1366,8],[1367,4,1367,8],[1416,6,1416,7],[1396,6,1396,7],[1372,4,1372,8],[1422,4,1422,5],[1391,4,1391,5],[1391,6,1391,7],[1399,4,1399,5],[1374,4,1374,8],[1364,4,1364,8],[1361,4,1361,8],[1399,6,1399,7],[1398,4,1398,5],[1421,6,1421,7],[1422,6,1422,7],[1395,4,1395,5],[1395,6,1395,7],[1392,4,1392,5],[1392,6,1392,7],[1393,4,1393,5],[1393,6,1393,7],[1397,4,1397,5],[1398,6,1398,7],[1390,6,1390,7],[1435,6,1435,7],[1436,6,1436,7],[1440,4,1440,5],[1475,4,1475,7],[1472,4,1472,7],[1474,4,1474,7],[1467,4,1467,7],[1469,4,1469,7],[1447,4,1447,5],[1423,4,1423,5],[1403,4,1403,5],[1442,4,1442,5],[1444,4,1444,5],[1442,6,1442,7],[1443,6,1443,7],[1406,4,1406,7],[1432,6,1432,7],[1420,6,1420,7],[1405,4,1405,7],[1431,6,1431,7],[1447,6,1447,7],[1434,4,1434,5],[1435,4,1435,5],[1434,6,1434,7],[1459,4,1459,5],[1459,6,1459,7],[1446,4,1446,5],[1446,6,1446,7],[1436,4,1436,5],[1445,6,1445,7],[1394,4,1394,5],[1394,6,1394,7],[1397,6,1397,7],[1418,6,1418,7],[1433,4,1433,5],[1386,3,1386,6],[1455,8,1456,8],[1445,4,1445,5],[1448,6,1448,7],[1449,4,1449,5],[1441,4,1441,5],[1411,3,1412,3],[1420,4,1420,5],[1421,4,1421,5],[1401,4,1401,5],[1401,6,1401,7],[1424,4,1424,5],[1424,6,1424,7],[1427,4,1427,5],[1427,6,1427,7],[1428,4,1428,5],[1428,6,1428,7],[1429,4,1429,5],[1433,6,1433,7],[1452,4,1452,5],[1452,6,1452,7],[1455,4,1455,7],[1448,4,1448,5],[1456,4,1456,5],[1456,6,1456,7],[1387,6,1387,7],[1390,4,1390,5],[1400,4,1400,5],[1409,3,1409,9],[1383,3,1383,16],[1151,4,1151,6],[1419,6,1419,7],[1419,4,1419,5],[1412,4,1412,5],[1453,6,1453,7],[1402,6,1402,7],[1423,6,1423,7],[1396,4,1396,5],[1415,4,1415,5],[1412,6,1412,7],[1387,4,1387,5],[1455,9,1456,9],[1415,6,1415,7],[1417,4,1417,5],[1417,6,1417,7],[1449,6,1449,7],[1444,6,1444,7],[1441,6,1441,7],[1379,8,1379,9],[1453,4,1453,5],[1429,6,1429,7],[1430,4,1430,5],[1430,6,1430,7],[1403,6,1403,7],[1402,4,1402,5],[1411,4,1411,7],[1418,4,1418,5],[1411,9,1412,9],[1431,4,1431,5],[1480,4,1480,7],[1481,4,1481,7],[1450,4,1450,5],[1450,6,1450,7],[1439,4,1439,5],[1494,4,1494,5],[1494,6,1494,7],[1495,4,1495,5],[1495,6,1495,7],[1496,6,1496,7],[1496,4,1496,5],[1440,6,1440,7],[1482,4,1482,7],[1489,4,1489,7],[1490,4,1490,7],[1492,4,1492,5],[1492,6,1492,7],[1470,4,1470,7],[1471,4,1471,7],[1463,3,1463,10],[1483,4,1483,7],[1484,4,1484,7],[1485,4,1485,7],[1486,4,1486,7],[1460,4,1460,5],[1460,6,1460,7],[1458,4,1458,5],[1458,6,1458,7],[1451,4,1451,5],[1451,6,1451,7],[1443,4,1443,5],[1439,6,1439,7],[1411,8,1412,8],[1400,6,1400,7],[1432,4,1432,5],[1473,4,1473,7],[1538,6,1556,10],[1555,3,1555,4],[1533,4,1533,6],[1533,9,1533,10],[1508,8,1508,10],[1526,3,1526,4],[1509,6,1527,10],[1529,3,1529,10],[1531,4,1531,6],[1531,9,1531,10],[1532,9,1532,10],[1534,9,1534,10],[1537,8,1537,10],[1500,3,1500,10],[1502,4,1502,6],[1502,9,1502,10],[1503,9,1503,10],[1504,4,1504,6],[1504,9,1504,10],[1505,9,1505,10],[1487,4,1487,7],[1488,4,1488,7],[1497,4,1497,5],[1497,6,1497,7],[1476,4,1476,7],[1477,4,1477,7],[1478,4,1478,7],[1479,4,1479,7],[1341,4,1341,5],[1339,6,1339,7],[1359,4,1359,8],[1345,6,1345,7],[1223,8,1235,10],[1193,8,1205,10],[1327,3,1327,10],[1331,6,1331,7],[1340,6,1340,7],[1362,4,1362,8],[1363,4,1363,8],[1343,6,1343,7],[1331,4,1331,5],[1338,6,1338,7],[1336,6,1336,7],[1309,8,1309,10],[1279,8,1279,10],[1334,6,1334,7],[1333,6,1333,7],[1337,6,1337,7],[1313,8,1325,10],[1340,4,1340,5],[1300,9,1300,10],[1301,4,1301,6],[1349,8,1349,9],[1308,9,1308,10],[1352,3,1352,10],[1344,4,1344,5],[1345,4,1345,5],[1346,4,1346,5],[1211,9,1211,10],[1212,9,1212,10],[1,21,4,38],[1030,9,1030,10],[1059,4,1059,6],[1059,9,1059,10],[1060,9,1060,10],[1119,4,1119,6],[1072,8,1072,10],[1057,3,1057,10],[1119,9,1119,10],[1090,9,1090,10],[1101,8,1101,10],[999,8,999,10]],"merged_total":1020,"flags":["merged_cut"]}
[]
[null,"FINANCIAL INPUTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hide these columns on completion"]
[]
[]
[]
[null,null,null,"Version:",{"$f":"MAX(Table1[Version])","v":4.5999999999999996},null,"Date Modified:",null,{"$f":"MAX(Table1[Date])","v":"2025-04-07"}]
[]
[null,null,null,"FINANCIAL INPUTS"]
[null,null,"NAB USE ONLY",{"$f":"IF(E14<>\"\",\"Save Worksheet as: 'MSBCA - Aggregation Number - Submission Number'. Attach to eBL as a credit memorandum.\",\"\")","v":""}]
[null,null,null,"Aggregation Name ",null,null,null,null,"Loan Purpose 1 *","Please select loan purpose"]
[]
[null,null,null,"Aggregation Number*",null,null,null,null,"Loan Purpose 2","Please select loan purpose"]
[]
[null,null,null,"Submission Number *",null,null,null,null,"Loan Purpose 3","Please select loan purpose"]
[]
[null,null,null,"Application Type","Please Select",null,null,null,"Loan Purpose 4","Please select loan purpose"]
[]
[null,null,null,"No. of Business Entities ","Please Select"]
[null,null,null,"No. of Individual/Sole Traders ","Please Select"]
[null,null,null,"Funding Table - Loan 1",null,null,null,null,null,null,null,{"$f":"IF(J10=\"ATO Arrears Payout\",J31,IF(J10=\"Debt Consolidation\",J59,IF(J10=\"Refinance\",J87,IF(J10=\"Working Capital\",J94,IF(J10=\"Buy Business or Fund Renovations to business\",J112,IF(J10=\"Any Asset Finance/Purchase\",J124,\"\"))))))","v":""},"Funding table check against the facilities table (Funding = New Facilities)"]
[null,null,null,"Clearing ATO Arrears"]
[]
[null,null,null,null,null,null,null,null,"Total Arrears Amount *"]
[]
[null,null,null,null,null,null,null,null,"Paid Arrears"]
[]
[null,null,null,null,null,null,null,null,"Arrears Remaining",{"$f":"J23-J25","v":0}]
[]
[null,null,null,null,null,null,null,null,"Customer Contribution"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"J27-J29","v":0}]
[]
[null,null,null,"Debt Consolidation to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J35=1,SUM($J37)+$J57,IF($J35=2,SUM($J37:$K39)+$J57,IF($J35=3,SUM($J37:$K41)+$J57,IF($J35=4,SUM($J37:$K43)+$J57,IF($J35=5,SUM($J37:$K45)+$J57,IF($J35=6,SUM($J37:$K47)+$J57,IF($J35=7,SUM($J37:$K49)+$J57,IF($J35=8,SUM($J37:$K51)+$J57,IF($J35=9,SUM($J37:$K53)+$J57,IF($J35=10,SUM($J37:$K55)+$J57,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance Debt to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J63=1,SUM($J65)+$J85,IF($J63=2,SUM($J65:$K67)+$J85,IF($J63=3,SUM($J65:$K69)+$J85,IF($J63=4,SUM($J65:$K71)+$J85,IF($J63=5,SUM($J65:$K73)+$J85,IF($J63=6,SUM($J65:$K75)+$J85,IF($J63=7,SUM($J65:$K77)+$J85,IF($J63=8,SUM($J65:$K79)+$J85,IF($J63=9,SUM($J65:$K81)+$J85,IF($J63=10,SUM($J65:$K83)+$J85,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Funding to Address Unexpected Cash Shortfall / Slow Paying Debtors"]
[]
[null,null,null,null,null,null,null,null,"Funding Required"]
[]
[null,null,null,"Debt Restructure"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J95=1,SUM($J97)+$J117,IF($J95=2,SUM($J97:$K99)+$J117,IF($J95=3,SUM($J97:$K101)+$J117,IF($J95=4,SUM($J97:$K103)+$J117,IF($J95=5,SUM($J97:$K105)+$J117,IF($J95=6,SUM($J97:$K107)+$J117,IF($J95=7,SUM($J97:$K109)+$J117,IF($J95=8,SUM($J97:$K111)+$J117,IF($J95=9,SUM($J97:$K113)+$J117,IF($J95=10,SUM($J97:$K115)+$J117,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J123=1,SUM($J125)+$J145,IF($J123=2,SUM($J125:$K127)+$J145,IF($J123=3,SUM($J125:$K129)+$J145,IF($J123=4,SUM($J125:$K131)+$J145,IF($J123=5,SUM($J125:$K133)+$J145,IF($J123=6,SUM($J125:$K135)+$J145,IF($J123=7,SUM($J125:$K137)+$J145,IF($J123=8,SUM($J125:$K139)+$J145,IF($J123=9,SUM($J125:$K141)+$J145,IF($J123=10,SUM($J125:$K143)+$J145,\"-\"))))))))))","v":"-"}]
[]
[]
[null,null,null,"Working Capital"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(J154<>\"\",J152=\"\"),\"You must select a cash driver\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,"Cash Driver *"]
[]
[null,null,null,null,null,null,null,null,"Funding Required *"]
[]
[null,null,null,"Buy Business or Fund Renovations to Business"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Rental Bond"]
[]
[null,null,null,null,null,null,null,null,"Stock"]
[]
[null,null,null,"Ratios",null,null,null,null,"Working Capital"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J172/J158,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J158+J160+J162+J164+J166","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J172/J168,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J170/J172,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J168-J170","v":0}]
[]
[null,null,null,"Purchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,"Ratios",null,null,null,null,"Fees & Charges"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J184/J176,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J176+J178","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J184/J180,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J182/J184,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J180-J182","v":0}]
[]
[]
[null,null,null,"Funding Table - Loan 2",null,null,null,null,null,null,null,{"$f":"IF(J177=\"ATO Arrears Payout\",J198,IF(J177=\"Debt Consolidation\",J226,IF(J177=\"Refinance\",J254,IF(J177=\"Working Capital\",J261,IF(J177=\"Buy Business or Fund Renovations to business\",J279,IF(J177=\"Any Asset Finance/Purchase\",J291,\"\"))))))","v":""},"Funding table check against the facilities table (Funding = New Facilities)"]
[null,null,null,"Clearing ATO Arrears"]
[]
[null,null,null,null,null,null,null,null,"Total Arrears Amount *"]
[]
[null,null,null,null,null,null,null,null,"Paid Arrears"]
[]
[null,null,null,null,null,null,null,null,"Arrears Remaining",{"$f":"J190-J192","v":0}]
[]
[null,null,null,null,null,null,null,null,"Customer Contribution"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"J194-J196","v":0}]
[]
[null,null,null,"Debt Consolidation to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J202=1,SUM($J204)+$J224,IF($J202=2,SUM($J204:$K206)+$J224,IF($J202=3,SUM($J204:$K208)+$J224,IF($J202=4,SUM($J204:$K210)+$J224,IF($J202=5,SUM($J204:$K212)+$J224,IF($J202=6,SUM($J204:$K214)+$J224,IF($J202=7,SUM($J204:$K216)+$J224,IF($J202=8,SUM($J204:$K218)+$J224,IF($J202=9,SUM($J204:$K220)+$J224,IF($J202=10,SUM($J204:$K222)+$J224,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance Debt to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J230=1,SUM($J232)+$J252,IF($J230=2,SUM($J232:$K234)+$J252,IF($J230=3,SUM($J232:$K236)+$J252,IF($J230=4,SUM($J232:$K238)+$J252,IF($J230=5,SUM($J232:$K240)+$J252,IF($J230=6,SUM($J232:$K242)+$J252,IF($J230=7,SUM($J232:$K244)+$J252,IF($J230=8,SUM($J232:$K246)+$J252,IF($J230=9,SUM($J232:$K248)+$J252,IF($J230=10,SUM($J232:$K250)+$J252,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Funding to Address Unexpected Cash Shortfall / Slow Paying Debtors"]
[]
[null,null,null,null,null,null,null,null,"Funding Required"]
[]
[null,null,null,"Debt Restructure"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J262=1,SUM($J264)+$J284,IF($J262=2,SUM($J264:$K266)+$J284,IF($J262=3,SUM($J264:$K268)+$J284,IF($J262=4,SUM($J264:$K270)+$J284,IF($J262=5,SUM($J264:$K272)+$J284,IF($J262=6,SUM($J264:$K274)+$J284,IF($J262=7,SUM($J264:$K276)+$J284,IF($J262=8,SUM($J264:$K278)+$J284,IF($J262=9,SUM($J264:$K280)+$J284,IF($J262=10,SUM($J264:$K282)+$J284,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J290=1,SUM($J292)+$J312,IF($J290=2,SUM($J292:$K294)+$J312,IF($J290=3,SUM($J292:$K296)+$J312,IF($J290=4,SUM($J292:$K298)+$J312,IF($J290=5,SUM($J292:$K300)+$J312,IF($J290=6,SUM($J292:$K302)+$J312,IF($J290=7,SUM($J292:$K304)+$J312,IF($J290=8,SUM($J292:$K306)+$J312,IF($J290=9,SUM($J292:$K308)+$J312,IF($J290=10,SUM($J292:$K310)+$J312,\"-\"))))))))))","v":"-"}]
[]
[]
[null,null,null,"Working Capital"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(J321<>\"\",J319=\"\"),\"You must select a cash driver\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,"Cash Driver *"]
[]
[null,null,null,null,null,null,null,null,"Funding Required *"]
[]
[null,null,null,"Buy Business or Fund Renovations to Business"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Rental Bond"]
[]
[null,null,null,null,null,null,null,null,"Stock"]
[]
[null,null,null,"Ratios",null,null,null,null,"Working Capital"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J339/J325,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J325+J327+J329+J331+J333","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J339/J335,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J337/J339,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J335-J337","v":0}]
[]
[null,null,null,"Purchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,"Ratios",null,null,null,null,"Fees & Charges"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J351/J343,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J343+J345","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J351/J347,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J349/J351,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J347-J349","v":0}]
[]
[]
[null,null,null,"Funding Table - Loan 3",null,null,null,null,null,null,null,{"$f":"IF(J344=\"ATO Arrears Payout\",J365,IF(J344=\"Debt Consolidation\",J393,IF(J344=\"Refinance\",J421,IF(J344=\"Working Capital\",J428,IF(J344=\"Buy Business or Fund Renovations to business\",J446,IF(J344=\"Any Asset Finance/Purchase\",J458,\"\"))))))","v":""},"Funding table check against the facilities table (Funding = New Facilities)"]
[null,null,null,"Clearing ATO Arrears"]
[]
[null,null,null,null,null,null,null,null,"Total Arrears Amount *"]
[]
[null,null,null,null,null,null,null,null,"Paid Arrears"]
[]
[null,null,null,null,null,null,null,null,"Arrears Remaining",{"$f":"J357-J359","v":0}]
[]
[null,null,null,null,null,null,null,null,"Customer Contribution"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"J361-J363","v":0}]
[]
[null,null,null,"Debt Consolidation to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J369=1,SUM($J371)+$J391,IF($J369=2,SUM($J371:$K373)+$J391,IF($J369=3,SUM($J371:$K375)+$J391,IF($J369=4,SUM($J371:$K377)+$J391,IF($J369=5,SUM($J371:$K379)+$J391,IF($J369=6,SUM($J371:$K381)+$J391,IF($J369=7,SUM($J371:$K383)+$J391,IF($J369=8,SUM($J371:$K385)+$J391,IF($J369=9,SUM($J371:$K387)+$J391,IF($J369=10,SUM($J371:$K389)+$J391,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance Debt to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J397=1,SUM($J399)+$J419,IF($J397=2,SUM($J399:$K401)+$J419,IF($J397=3,SUM($J399:$K403)+$J419,IF($J397=4,SUM($J399:$K405)+$J419,IF($J397=5,SUM($J399:$K407)+$J419,IF($J397=6,SUM($J399:$K409)+$J419,IF($J397=7,SUM($J399:$K411)+$J419,IF($J397=8,SUM($J399:$K413)+$J419,IF($J397=9,SUM($J399:$K415)+$J419,IF($J397=10,SUM($J399:$K417)+$J419,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Funding to Address Unexpected Cash Shortfall / Slow Paying Debtors"]
[]
[null,null,null,null,null,null,null,null,"Funding Required"]
[]
[null,null,null,"Debt Restructure"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J429=1,SUM($J431)+$J451,IF($J429=2,SUM($J431:$K433)+$J451,IF($J429=3,SUM($J431:$K435)+$J451,IF($J429=4,SUM($J431:$K437)+$J451,IF($J429=5,SUM($J431:$K439)+$J451,IF($J429=6,SUM($J431:$K441)+$J451,IF($J429=7,SUM($J431:$K443)+$J451,IF($J429=8,SUM($J431:$K445)+$J451,IF($J429=9,SUM($J431:$K447)+$J451,IF($J429=10,SUM($J431:$K449)+$J451,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J457=1,SUM($J459)+$J479,IF($J457=2,SUM($J459:$K461)+$J479,IF($J457=3,SUM($J459:$K463)+$J479,IF($J457=4,SUM($J459:$K465)+$J479,IF($J457=5,SUM($J459:$K467)+$J479,IF($J457=6,SUM($J459:$K469)+$J479,IF($J457=7,SUM($J459:$K471)+$J479,IF($J457=8,SUM($J459:$K473)+$J479,IF($J457=9,SUM($J459:$K475)+$J479,IF($J457=10,SUM($J459:$K477)+$J479,\"-\"))))))))))","v":"-"}]
[]
[]
[null,null,null,"Working Capital"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(J488<>\"\",J486=\"\"),\"You must select a cash driver\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,"Cash Driver *"]
[]
[null,null,null,null,null,null,null,null,"Funding Required *"]
[]
[null,null,null,"Buy Business or Fund Renovations to Business"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Rental Bond"]
[]
[null,null,null,null,null,null,null,null,"Stock"]
[]
[null,null,null,"Ratios",null,null,null,null,"Working Capital"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J506/J492,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J492+J494+J496+J498+J500","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J506/J502,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J504/J506,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J502-J504","v":0}]
[]
[null,null,null,"Purchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,"Ratios",null,null,null,null,"Fees & Charges"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J518/J510,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J510+J512","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J518/J514,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J516/J518,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J514-J516","v":0}]
[]
[]
[null,null,null,"Funding Table - Loan 4",null,null,null,null,null,null,null,{"$f":"IF(J511=\"ATO Arrears Payout\",J532,IF(J511=\"Debt Consolidation\",J560,IF(J511=\"Refinance\",J588,IF(J511=\"Working Capital\",J595,IF(J511=\"Buy Business or Fund Renovations to business\",J613,IF(J511=\"Any Asset Finance/Purchase\",J625,\"\"))))))","v":""},"Funding table check against the facilities table (Funding = New Facilities)"]
[null,null,null,"Clearing ATO Arrears"]
[]
[null,null,null,null,null,null,null,null,"Total Arrears Amount *"]
[]
[null,null,null,null,null,null,null,null,"Paid Arrears"]
[]
[null,null,null,null,null,null,null,null,"Arrears Remaining",{"$f":"J524-J526","v":0}]
[]
[null,null,null,null,null,null,null,null,"Customer Contribution"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"J528-J530","v":0}]
[]
[null,null,null,"Debt Consolidation to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J536=1,SUM($J538)+$J558,IF($J536=2,SUM($J538:$K540)+$J558,IF($J536=3,SUM($J538:$K542)+$J558,IF($J536=4,SUM($J538:$K544)+$J558,IF($J536=5,SUM($J538:$K546)+$J558,IF($J536=6,SUM($J538:$K548)+$J558,IF($J536=7,SUM($J538:$K550)+$J558,IF($J536=8,SUM($J538:$K552)+$J558,IF($J536=9,SUM($J538:$K554)+$J558,IF($J536=10,SUM($J538:$K556)+$J558,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance Debt to Manage Financial Distress"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J564=1,SUM($J566)+$J586,IF($J564=2,SUM($J566:$K568)+$J586,IF($J564=3,SUM($J566:$K570)+$J586,IF($J564=4,SUM($J566:$K572)+$J586,IF($J564=5,SUM($J566:$K574)+$J586,IF($J564=6,SUM($J566:$K576)+$J586,IF($J564=7,SUM($J566:$K578)+$J586,IF($J564=8,SUM($J566:$K580)+$J586,IF($J564=9,SUM($J566:$K582)+$J586,IF($J564=10,SUM($J566:$K584)+$J586,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Funding to Address Unexpected Cash Shortfall / Slow Paying Debtors"]
[]
[null,null,null,null,null,null,null,null,"Funding Required"]
[]
[null,null,null,"Debt Restructure"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J596=1,SUM($J598)+$J618,IF($J596=2,SUM($J598:$K600)+$J618,IF($J596=3,SUM($J598:$K602)+$J618,IF($J596=4,SUM($J598:$K604)+$J618,IF($J596=5,SUM($J598:$K606)+$J618,IF($J596=6,SUM($J598:$K608)+$J618,IF($J596=7,SUM($J598:$K610)+$J618,IF($J596=8,SUM($J598:$K612)+$J618,IF($J596=9,SUM($J598:$K614)+$J618,IF($J596=10,SUM($J598:$K616)+$J618,\"-\"))))))))))","v":"-"}]
[]
[null,null,null,"Refinance"]
[]
[null,null,null,null,null,null,null,null,"No. of Debt Facilities *","Please Select"]
[]
[null,null,null,null,null,null,null,null," Facility 1 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 2 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 3 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 4 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 5 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 6 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 7 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 8 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 9 limit"]
[]
[null,null,null,null,null,null,null,null," Facility 10 limit"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Funding Required",{"$f":"IF($J624=1,SUM($J626)+$J646,IF($J624=2,SUM($J626:$K628)+$J646,IF($J624=3,SUM($J626:$K630)+$J646,IF($J624=4,SUM($J626:$K632)+$J646,IF($J624=5,SUM($J626:$K634)+$J646,IF($J624=6,SUM($J626:$K636)+$J646,IF($J624=7,SUM($J626:$K638)+$J646,IF($J624=8,SUM($J626:$K640)+$J646,IF($J624=9,SUM($J626:$K642)+$J646,IF($J624=10,SUM($J626:$K644)+$J646,\"-\"))))))))))","v":"-"}]
[]
[]
[null,null,null,"Working Capital"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(J655<>\"\",J653=\"\"),\"You must select a cash driver\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,"Cash Driver *"]
[]
[null,null,null,null,null,null,null,null,"Funding Required *"]
[]
[null,null,null,"Buy Business or Fund Renovations to Business"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,null,null,null,null,null,"Fees & Charges"]
[]
[null,null,null,null,null,null,null,null,"Rental Bond"]
[]
[null,null,null,null,null,null,null,null,"Stock"]
[]
[null,null,null,"Ratios",null,null,null,null,"Working Capital"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J673/J659,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J659+J661+J663+J665+J667","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J673/J669,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J671/J673,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J669-J671","v":0}]
[]
[null,null,null,"Purchase Asset – Owner Occupied Property/Equipment Finance"]
[]
[null,null,null,null,null,null,null,null,"Purchase Price *"]
[]
[null,null,null,"Ratios",null,null,null,null,"Fees & Charges"]
[]
[null,null,null,"Loan to Purchase Price",{"$f":"IFERROR(J685/J677,\"-\")","v":"-"},null,null,null,"Total Transaction Cost",{"$f":"J677+J679","v":0}]
[]
[null,null,null,"Loan to Transaction Cost",{"$f":"IFERROR(J685/J681,\"-\")","v":"-"},null,null,null,"Customer Contribution"]
[]
[null,null,null,"Loan to Equity",{"$f":"IFERROR(J683/J685,\"-\")","v":"-"},null,null,null,"Funding Required",{"$f":"J681-J683","v":0}]
[]
[]
[null,null,null,"Business Entity 1"]
[]
[null,null,1,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E692<>\"\",J690=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E692<>\"\",J692=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J702*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J703=0,0,((J703-J701)/J703))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E701+E702-E703-E704","v":0},null,{"$f":"G701+G702-G703-G704","v":0},null,{"$f":"IF(J704<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G702<>0,E702<>0),\"Provide 'other income' details below:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E704<>0,G704<>0),\"Provide 'other expenses' details below:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E705-E707","v":0},null,{"$f":"G705-G707","v":0},null,{"$f":"IF(OR(G715<>0,E715<>0),\"Provide 'other addback' details below:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J692=\"\",0,IF(E708*VLOOKUP(J692,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E708*VLOOKUP(J692,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J692=\"\",0,IF(G708*VLOOKUP(J692,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G708*VLOOKUP(J692,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E708-E709-E706","v":0},null,{"$f":"G708-G709-G706","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E712:E715)","v":0},null,{"$f":"SUM(G712:G715)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"IF(J12>0,((E710+E716)*(E718/100)),\"-\")","v":0},null,{"$f":"IF(J12>0,((G710+G716)*(G718/100)),\"-\")","v":0}]
[]
[null,null,null,"Business Entity 2"]
[]
[null,null,2,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E726<>\"\",J724=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E726<>\"\",J726=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J736*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J737=0,0,((J737-J735)/J737))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E735+E736-E737-E738","v":0},null,{"$f":"G735+G736-G737-G738","v":0},null,{"$f":"IF(J738<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G736<>0,E736<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E738<>0,G738<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E739-E741","v":0},null,{"$f":"G739-G741","v":0},null,{"$f":"IF(OR(G749<>0,E749<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J726=\"\",0,IF(E742*VLOOKUP(J726,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E742*VLOOKUP(J726,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J726=\"\",0,IF(G742*VLOOKUP(J726,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G742*VLOOKUP(J726,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E742-E743-E740","v":0},null,{"$f":"G742-G743-G740","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E746:E749)","v":0},null,{"$f":"SUM(G746:G749)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E744+E750)*(E752/100)","v":0},null,{"$f":"(G744+G750)*(G752/100)","v":0}]
[]
[null,null,null,"Business Entity 3"]
[]
[null,null,3,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E760<>\"\",J758=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E760<>\"\",J760=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J770*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J771=0,0,((J771-J769)/J771))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E769+E770-E771-E772","v":0},null,{"$f":"G769+G770-G771-G772","v":0},null,{"$f":"IF(J772<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G770<>0,E770<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E772<>0,G772<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E773-E775","v":0},null,{"$f":"G773-G775","v":0},null,{"$f":"IF(OR(G783<>0,E783<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J760=\"\",0,IF(E776*VLOOKUP(J760,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E776*VLOOKUP(J760,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J760=\"\",0,IF(G776*VLOOKUP(J760,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G776*VLOOKUP(J760,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E776-E777-E774","v":0},null,{"$f":"G776-G777-G774","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E780:E783)","v":0},null,{"$f":"SUM(G780:G783)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E778+E784)*(E786/100)","v":0},null,{"$f":"(G778+G784)*(G786/100)","v":0}]
[]
[null,null,null,"Business Entity 4"]
[]
[null,null,4,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E794<>\"\",J792=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E794<>\"\",J794=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J804*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J805=0,0,((J805-J803)/J805))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E803+E804-E805-E806","v":0},null,{"$f":"G803+G804-G805-G806","v":0},null,{"$f":"IF(J806<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G804<>0,E804<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E806<>0,G806<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E807-E809","v":0},null,{"$f":"G807-G809","v":0},null,{"$f":"IF(OR(G817<>0,E817<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J794=\"\",0,IF(E810*VLOOKUP(J794,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E810*VLOOKUP(J794,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J794=\"\",0,IF(G810*VLOOKUP(J794,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G810*VLOOKUP(J794,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E810-E811-E808","v":0},null,{"$f":"G810-G811-G808","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E814:E817)","v":0},null,{"$f":"SUM(G814:G817)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E812+E818)*(E820/100)","v":0},null,{"$f":"(G812+G818)*(G820/100)","v":0}]
[]
[null,null,null,"Business Entity 5"]
[]
[null,null,5,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E828<>\"\",J826=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J838*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J839=0,0,((J839-J837)/J839))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E837+E838-E839-E840","v":0},null,{"$f":"G837+G838-G839-G840","v":0},null,{"$f":"IF(J840<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G838<>0,E838<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E840<>0,G840<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E841-E843","v":0},null,{"$f":"G841-G843","v":0},null,{"$f":"IF(OR(G851<>0,E851<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J828=\"\",0,IF(E844*VLOOKUP(J828,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E844*VLOOKUP(J828,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J828=\"\",0,IF(G844*VLOOKUP(J828,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G844*VLOOKUP(J828,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E844-E845-E842","v":0},null,{"$f":"G844-G845-G842","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E848:E851)","v":0},null,{"$f":"SUM(G848:G851)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E846+E852)*(E854/100)","v":0},null,{"$f":"(G846+G852)*(G854/100)","v":0}]
[]
[null,null,null,"Business Entity 6"]
[]
[null,null,6,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E862<>\"\",J860=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J872*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J873=0,0,((J873-J871)/J873))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E871+E872-E873-E874","v":0},null,{"$f":"G871+G872-G873-G874","v":0},null,{"$f":"IF(J874<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G872<>0,E872<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E874<>0,G874<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E875-E877","v":0},null,{"$f":"G875-G877","v":0},null,{"$f":"IF(OR(G885<>0,E885<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J862=\"\",0,IF(E878*VLOOKUP(J862,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E878*VLOOKUP(J862,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J862=\"\",0,IF(G878*VLOOKUP(J862,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G878*VLOOKUP(J862,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E878-E879-E876","v":0},null,{"$f":"G878-G879-G876","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E882:E885)","v":0},null,{"$f":"SUM(G882:G885)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E880+E886)*(E888/100)","v":0},null,{"$f":"(G880+G886)*(G888/100)","v":0}]
[]
[null,null,null,"Business Entity 7"]
[]
[null,null,7,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E896<>\"\",J894=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J906*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J907=0,0,((J907-J905)/J907))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E905+E906-E907-E908","v":0},null,{"$f":"G905+G906-G907-G908","v":0},null,{"$f":"IF(J908<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G906<>0,E906<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E908<>0,G908<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E909-E911","v":0},null,{"$f":"G909-G911","v":0},null,{"$f":"IF(OR(G919<>0,E919<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J896=\"\",0,IF(E912*VLOOKUP(J896,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E912*VLOOKUP(J896,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J896=\"\",0,IF(G912*VLOOKUP(J896,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G912*VLOOKUP(J896,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E912-E913-E910","v":0},null,{"$f":"G912-G913-G910","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E916:E919)","v":0},null,{"$f":"SUM(G916:G919)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E914+E920)*(E922/100)","v":0},null,{"$f":"(G914+G920)*(G922/100)","v":0}]
[]
[null,null,null,"Business Entity 8"]
[]
[null,null,8,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E930<>\"\",J928=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J940*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J941=0,0,((J941-J939)/J941))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E939+E940-E941-E942","v":0},null,{"$f":"G939+G940-G941-G942","v":0},null,{"$f":"IF(J942<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G940<>0,E940<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E942<>0,G942<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E943-E945","v":0},null,{"$f":"G943-G945","v":0},null,{"$f":"IF(OR(G953<>0,E953<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J930=\"\",0,IF(E946*VLOOKUP(J930,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E946*VLOOKUP(J930,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J930=\"\",0,IF(G946*VLOOKUP(J930,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G946*VLOOKUP(J930,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E946-E947-E944","v":0},null,{"$f":"G946-G947-G944","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E950:E953)","v":0},null,{"$f":"SUM(G950:G953)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E948+E954)*(E956/100)","v":0},null,{"$f":"(G948+G954)*(G956/100)","v":0}]
[]
[null,null,null,"Business Entity 9"]
[]
[null,null,9,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E964<>\"\",J962=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J974*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J975=0,0,((J975-J973)/J975))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E973+E974-E975-E976","v":0},null,{"$f":"G973+G974-G975-G976","v":0},null,{"$f":"IF(J976<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G974<>0,E974<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E976<>0,G976<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E977-E979","v":0},null,{"$f":"G977-G979","v":0},null,{"$f":"IF(OR(G987<>0,E987<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J964=\"\",0,IF(E980*VLOOKUP(J964,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E980*VLOOKUP(J964,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J964=\"\",0,IF(G980*VLOOKUP(J964,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G980*VLOOKUP(J964,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E980-E981-E978","v":0},null,{"$f":"G980-G981-G978","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E984:E987)","v":0},null,{"$f":"SUM(G984:G987)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E982+E988)*(E990/100)","v":0},null,{"$f":"(G982+G988)*(G990/100)","v":0}]
[]
[null,null,null,"Business Entity 10"]
[]
[null,null,10,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E998<>\"\",J996=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Date of Financials *"]
[]
[null,null,null,"Type of Financials *"]
[null,null,null,null,null,null,null,null,"Variance to BAS"]
[null,null,null,"Gross Business Income *",null,null,null,null,"Gross Sales (annual)"]
[null,null,null,"Other Income",null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Cost of Goods Sold",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1008*4","v":0}]
[null,null,null,"Other Expenses",null,null,null,null,"Variance to BAS",{"$f":"IF(J1009=0,0,((J1009-J1007)/J1009))","v":0}]
[null,null,null,"Net Profit before Tax",{"$f":"E1007+E1008-E1009-E1010","v":0},null,{"$f":"G1007+G1008-G1009-G1010","v":0},null,{"$f":"IF(J1010<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Dividends (Co. Tax Applies)",null,null,null,null,{"$f":"IF(OR(G1008<>0,E1008<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Distributions",null,null,null,null,{"$f":"IF(OR(E1010<>0,G1010<>0),\"Provide other expenses details:\",\"\")","v":""}]
[null,null,null,"Total Taxable Income",{"$f":"E1011-E1013","v":0},null,{"$f":"G1011-G1013","v":0},null,{"$f":"IF(OR(G1021<>0,E1021<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Calculated Tax  ",{"$f":"IF(J998=\"\",0,IF(E1014*VLOOKUP(J998,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,E1014*VLOOKUP(J998,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},"",{"$f":"IF(J998=\"\",0,IF(G1014*VLOOKUP(J998,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1<0,0,G1014*VLOOKUP(J998,Lookups!$M$11:$N$14,2,FALSE)*Lookups!$BJ$1))","v":0},null,"Comments: \n"]
[null,null,null,"Total Income after Tax",{"$f":"E1014-E1015-E1012","v":0},null,{"$f":"G1014-G1015-G1012","v":0}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1018:E1021)","v":0},null,{"$f":"SUM(G1018:G1021)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Business Income",{"$f":"(E1016+E1022)*(E1024/100)","v":0},null,{"$f":"(G1016+G1022)*(G1024/100)","v":0}]
[]
[null,null,null,"Individual/Sole Trader 1"]
[]
[null,null,1,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1032<>\"\",J1030=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1032<>\"\",J1032=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1036*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1037=0,0,((J1037-J1035)/J1037))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1040<>0,E1041<>0),E1039=\"\"),AND(OR(G1040<>0,G1041<>0),G1039=\"\")),\"< Please select a frequency\",\"\")","v":""},{"$f":"IF(J1038<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1041<>0,E1041<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1050<>0,E1050<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1042<>0,G1042<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1040+E1041<=0,0,\nVLOOKUP(((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)\n+\n((((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE))\n-\nVLOOKUP(((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))\n*\nVLOOKUP(((E1040+E1041)\n*\nVLOOKUP(E1039,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1040+G1041<=0,0,VLOOKUP(((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE))-VLOOKUP(((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1040+E1041=0,E1045<>\"\"),0,IF(((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1040+E1041)*VLOOKUP(E1039,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1040+G1041=0,G1045<>\"\"),0,IF(((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1040+G1041)*VLOOKUP(G1039,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1039=\"\",\"\",((E1040+E1041+E1042)*VLOOKUP(E1039,Frequency_Rate,2,FALSE))-(E1043+E1044+E1045))","v":""},null,{"$f":"IF(G1039=\"\",\"\",((G1040+G1041+G1042)*VLOOKUP(G1039,Frequency_Rate,2,FALSE))-(G1043+G1044+G1045))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1048:E1050)","v":0},null,{"$f":"SUM(G1048:G1050)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1046+E1051,\"-\")","v":"-"},null,{"$f":"IFERROR(G1046+G1051,\"-\")","v":"-"}]
[null,null,null,"Personal Living Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1054=\"\",E1055=\"\",E1039=\"\",E1040=\"\"),\"-\",(E1053)-((E1054)*VLOOKUP(E1055,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1054=\"\",G1055=\"\",G1039=\"\",G1040=\"\"),\"-\",(G1053)-((G1054)*VLOOKUP(G1055,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 2"]
[]
[null,null,2,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1062<>\"\",J1060=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1062<>\"\",J1062=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1066*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1067=0,0,((J1067-J1065)/J1067))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1070<>0,E1071<>0),E1069=\"\"),AND(OR(G1070<>0,G1071<>0),G1069=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1068<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1071<>0,E1071<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1080<>0,E1080<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1072<>0,G1072<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1070+E1071<=0,0,VLOOKUP(((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE))-VLOOKUP(((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1070+G1071<=0,0,VLOOKUP(((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE))-VLOOKUP(((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1070+E1071=0,E1075<>\"\"),0,IF(((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1070+E1071)*VLOOKUP(E1069,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1070+G1071=0,G1075<>\"\"),0,IF(((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1070+G1071)*VLOOKUP(G1069,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1069=\"\",\"\",((E1070+E1071+E1072)*VLOOKUP(E1069,Frequency_Rate,2,FALSE))-(E1073+E1074+E1075))","v":""},null,{"$f":"IF(G1069=\"\",\"\",((G1070+G1071+G1072)*VLOOKUP(G1069,Frequency_Rate,2,FALSE))-(G1073+G1074+G1075))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1078:E1080)","v":0},null,{"$f":"SUM(G1078:G1080)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1076+E1081,\"-\")","v":"-"},null,{"$f":"IFERROR(G1076+G1081,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1084=\"\",E1085=\"\",E1069=\"\",E1070=\"\"),\"-\",(E1083)-((E1084)*VLOOKUP(E1085,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1084=\"\",G1085=\"\",G1069=\"\",G1070=\"\"),\"-\",(G1083)-((G1084)*VLOOKUP(G1085,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 3"]
[]
[null,null,3,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1092<>\"\",J1090=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1092<>\"\",J1092=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1096*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1097=0,0,((J1097-J1095)/J1097))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1100<>0,E1101<>0),E1099=\"\"),AND(OR(G1100<>0,G1101<>0),G1099=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1098<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1101<>0,E1101<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1110<>0,E1110<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1102<>0,G1102<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1100+E1101<=0,0,VLOOKUP(((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE))-VLOOKUP(((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1100+G1101<=0,0,VLOOKUP(((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE))-VLOOKUP(((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1100+E1101=0,E1105<>\"\"),0,IF(((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1100+E1101)*VLOOKUP(E1099,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1100+G1101=0,G1105<>\"\"),0,IF(((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1100+G1101)*VLOOKUP(G1099,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1099=\"\",\"\",((E1100+E1101+E1102)*VLOOKUP(E1099,Frequency_Rate,2,FALSE))-(E1103+E1104+E1105))","v":""},null,{"$f":"IF(G1099=\"\",\"\",((G1100+G1101+G1102)*VLOOKUP(G1099,Frequency_Rate,2,FALSE))-(G1103+G1104+G1105))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1108:E1110)","v":0},null,{"$f":"SUM(G1108:G1110)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1106+E1111,\"-\")","v":"-"},null,{"$f":"IFERROR(G1106+G1111,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1114=\"\",E1115=\"\",E1099=\"\",E1100=\"\"),\"-\",(E1113)-((E1114)*VLOOKUP(E1115,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1114=\"\",G1115=\"\",G1099=\"\",G1100=\"\"),\"-\",(G1113)-((G1114)*VLOOKUP(G1115,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 4"]
[]
[null,null,4,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1122<>\"\",J1120=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1122<>\"\",J1122=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1126*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1127=0,0,((J1127-J1125)/J1127))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1130<>0,E1131<>0),E1129=\"\"),AND(OR(G1130<>0,G1131<>0),G1129=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1128<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1131<>0,E1131<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1140<>0,E1140<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1132<>0,G1132<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1130+E1131<=0,0,VLOOKUP(((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE))-VLOOKUP(((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1130+G1131<=0,0,VLOOKUP(((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE))-VLOOKUP(((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1130+E1131=0,E1135<>\"\"),0,IF(((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1130+E1131)*VLOOKUP(E1129,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1130+G1131=0,G1135<>\"\"),0,IF(((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1130+G1131)*VLOOKUP(G1129,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1129=\"\",\"\",((E1130+E1131+E1132)*VLOOKUP(E1129,Frequency_Rate,2,FALSE))-(E1133+E1134+E1135))","v":""},null,{"$f":"IF(G1129=\"\",\"\",((G1130+G1131+G1132)*VLOOKUP(G1129,Frequency_Rate,2,FALSE))-(G1133+G1134+G1135))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1138:E1140)","v":0},null,{"$f":"SUM(G1138:G1140)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1136+E1141,\"-\")","v":"-"},null,{"$f":"IFERROR(G1136+G1141,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1144=\"\",E1145=\"\",E1129=\"\",E1130=\"\"),\"-\",(E1143)-((E1144)*VLOOKUP(E1145,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1144=\"\",G1145=\"\",G1129=\"\",G1130=\"\"),\"-\",(G1143)-((G1144)*VLOOKUP(G1145,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 5"]
[]
[null,null,5,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1152<>\"\",J1150=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1152<>\"\",J1152=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1156*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1157=0,0,((J1157-J1155)/J1157))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1160<>0,E1161<>0),E1159=\"\"),AND(OR(G1160<>0,G1161<>0),G1159=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1158<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1161<>0,E1161<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1170<>0,E1170<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1162<>0,G1162<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1160+E1161<=0,0,VLOOKUP(((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE))-VLOOKUP(((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1160+G1161<=0,0,VLOOKUP(((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE))-VLOOKUP(((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1160+E1161=0,E1165<>\"\"),0,IF(((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1160+E1161)*VLOOKUP(E1159,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1160+G1161=0,G1165<>\"\"),0,IF(((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1160+G1161)*VLOOKUP(G1159,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1159=\"\",\"\",((E1160+E1161+E1162)*VLOOKUP(E1159,Frequency_Rate,2,FALSE))-(E1163+E1164+E1165))","v":""},null,{"$f":"IF(G1159=\"\",\"\",((G1160+G1161+G1162)*VLOOKUP(G1159,Frequency_Rate,2,FALSE))-(G1163+G1164+G1165))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1168:E1170)","v":0},null,{"$f":"SUM(G1168:G1170)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1166+E1171,\"-\")","v":"-"},null,{"$f":"IFERROR(G1166+G1171,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1174=\"\",E1175=\"\",E1159=\"\",E1160=\"\"),\"-\",(E1173)-((E1174)*VLOOKUP(E1175,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1174=\"\",G1175=\"\",G1159=\"\",G1160=\"\"),\"-\",(G1173)-((G1174)*VLOOKUP(G1175,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 6"]
[]
[null,null,6,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1182<>\"\",J1180=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1182<>\"\",J1182=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1186*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1187=0,0,((J1187-J1185)/J1187))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1190<>0,E1191<>0),E1189=\"\"),AND(OR(G1190<>0,G1191<>0),G1189=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1188<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1191<>0,E1191<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1200<>0,E1200<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1192<>0,G1192<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1190+E1191<=0,0,VLOOKUP(((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE))-VLOOKUP(((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1190+G1191<=0,0,VLOOKUP(((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE))-VLOOKUP(((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1190+E1191=0,E1195<>\"\"),0,IF(((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1190+E1191)*VLOOKUP(E1189,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1190+G1191=0,G1195<>\"\"),0,IF(((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1190+G1191)*VLOOKUP(G1189,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1189=\"\",\"\",((E1190+E1191+E1192)*VLOOKUP(E1189,Frequency_Rate,2,FALSE))-(E1193+E1194+E1195))","v":""},null,{"$f":"IF(G1189=\"\",\"\",((G1190+G1191+G1192)*VLOOKUP(G1189,Frequency_Rate,2,FALSE))-(G1193+G1194+G1195))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1198:E1200)","v":0},null,{"$f":"SUM(G1198:G1200)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1196+E1201,\"-\")","v":"-"},null,{"$f":"IFERROR(G1196+G1201,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1204=\"\",E1205=\"\",E1189=\"\",E1190=\"\"),\"-\",(E1203)-((E1204)*VLOOKUP(E1205,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1204=\"\",G1205=\"\",G1189=\"\",G1190=\"\"),\"-\",(G1203)-((G1204)*VLOOKUP(G1205,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 7"]
[]
[null,null,7,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1212<>\"\",J1210=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1212<>\"\",J1212=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1216*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1217=0,0,((J1217-J1215)/J1217))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1220<>0,E1221<>0),E1219=\"\"),AND(OR(G1220<>0,G1221<>0),G1219=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1218<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1221<>0,E1221<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1230<>0,E1230<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1222<>0,G1222<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1220+E1221<=0,0,VLOOKUP(((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE))-VLOOKUP(((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1220+G1221<=0,0,VLOOKUP(((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE))-VLOOKUP(((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1220+E1221=0,E1225<>\"\"),0,IF(((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1220+E1221)*VLOOKUP(E1219,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1220+G1221=0,G1225<>\"\"),0,IF(((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1220+G1221)*VLOOKUP(G1219,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1219=\"\",\"\",((E1220+E1221+E1222)*VLOOKUP(E1219,Frequency_Rate,2,FALSE))-(E1223+E1224+E1225))","v":""},null,{"$f":"IF(G1219=\"\",\"\",((G1220+G1221+G1222)*VLOOKUP(G1219,Frequency_Rate,2,FALSE))-(G1223+G1224+G1225))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1228:E1230)","v":0},null,{"$f":"SUM(G1228:G1230)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1226+E1231,\"-\")","v":"-"},null,{"$f":"IFERROR(G1226+G1231,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1234=\"\",E1235=\"\",E1219=\"\",E1220=\"\"),\"-\",(E1233)-((E1234)*VLOOKUP(E1235,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1234=\"\",G1235=\"\",G1219=\"\",G1220=\"\"),\"-\",(G1233)-((G1234)*VLOOKUP(G1235,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 8"]
[]
[null,null,8,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1242<>\"\",J1240=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1242<>\"\",J1242=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1246*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1247=0,0,((J1247-J1245)/J1247))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1250<>0,E1251<>0),E1249=\"\"),AND(OR(G1250<>0,G1251<>0),G1249=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1248<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1251<>0,E1251<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1260<>0,E1260<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1252<>0,G1252<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1250+E1251<=0,0,VLOOKUP(((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE))-VLOOKUP(((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1250+G1251<=0,0,VLOOKUP(((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE))-VLOOKUP(((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1250+E1251=0,E1255<>\"\"),0,IF(((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1250+E1251)*VLOOKUP(E1249,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1250+G1251=0,G1255<>\"\"),0,IF(((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1250+G1251)*VLOOKUP(G1249,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1249=\"\",\"\",((E1250+E1251+E1252)*VLOOKUP(E1249,Frequency_Rate,2,FALSE))-(E1253+E1254+E1255))","v":""},null,{"$f":"IF(G1249=\"\",\"\",((G1250+G1251+G1252)*VLOOKUP(G1249,Frequency_Rate,2,FALSE))-(G1253+G1254+G1255))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1258:E1260)","v":0},null,{"$f":"SUM(G1258:G1260)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1256+E1261,\"-\")","v":"-"},null,{"$f":"IFERROR(G1256+G1261,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1264=\"\",E1265=\"\",E1249=\"\",E1250=\"\"),\"-\",(E1263)-((E1264)*VLOOKUP(E1265,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1264=\"\",G1265=\"\",G1249=\"\",G1250=\"\"),\"-\",(G1263)-((G1264)*VLOOKUP(G1265,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 9"]
[]
[null,null,9,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1272<>\"\",J1270=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1272<>\"\",J1272=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1276*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1277=0,0,((J1277-J1275)/J1277))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1280<>0,E1281<>0),E1279=\"\"),AND(OR(G1280<>0,G1281<>0),G1279=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1278<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1281<>0,E1281<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1290<>0,E1290<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1282<>0,G1282<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1280+E1281<=0,0,VLOOKUP(((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE))-VLOOKUP(((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1280+G1281<=0,0,VLOOKUP(((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE))-VLOOKUP(((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1280+E1281=0,E1285<>\"\"),0,IF(((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1280+E1281)*VLOOKUP(E1279,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1280+G1281=0,G1285<>\"\"),0,IF(((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1280+G1281)*VLOOKUP(G1279,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1279=\"\",\"\",((E1280+E1281+E1282)*VLOOKUP(E1279,Frequency_Rate,2,FALSE))-(E1283+E1284+E1285))","v":""},null,{"$f":"IF(G1279=\"\",\"\",((G1280+G1281+G1282)*VLOOKUP(G1279,Frequency_Rate,2,FALSE))-(G1283+G1284+G1285))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1288:E1290)","v":0},null,{"$f":"SUM(G1288:G1290)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1286+E1291,\"-\")","v":"-"},null,{"$f":"IFERROR(G1286+G1291,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1294=\"\",E1295=\"\",E1279=\"\",E1280=\"\"),\"-\",(E1293)-((E1294)*VLOOKUP(E1295,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1294=\"\",G1295=\"\",G1279=\"\",G1280=\"\"),\"-\",(G1293)-((G1294)*VLOOKUP(G1295,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Individual/Sole Trader 10"]
[]
[null,null,10,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1302<>\"\",J1300=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1302<>\"\",J1302=\"\"),\"You must select a Customer Type\",\"\")","v":""}]
[null,null,null,null,"Income",null,null,null,"Variance to BAS"]
[null,null,null,null,"Previous Year",null,"Current Year",null,"Gross Sales (annual)"]
[null,null,null,null,null,null,null,null,"Gross Sales BAS"]
[null,null,null,"Date of Financials *",null,null,null,null,"Annualised BAS (*4)",{"$f":"J1306*4","v":0}]
[null,null,null,null,null,null,null,null,"Variance to BAS",{"$f":"IF(J1307=0,0,((J1307-J1305)/J1307))","v":0}]
[null,null,null,"Income Frequency *",null,null,null,null,{"$f":"IF(OR(AND(OR(E1310<>0,E1311<>0),E1309=\"\"),AND(OR(G1310<>0,G1311<>0),G1309=\"\")),\"Please select a frequency\",\"\")","v":""},{"$f":"IF(J1308<0,\"Provide comments explaining negative BAS variance:\",\"\")","v":""}]
[null,null,null,"Income before Tax *",null,null,null,null,{"$f":"IF(OR(G1311<>0,E1311<>0),\"Provide other income details:\",\"\")","v":""}]
[null,null,null,"Other Income",null,null,null,null,{"$f":"IF(OR(G1320<>0,E1320<>0),\"Provide other addback details:\",\"\")","v":""}]
[null,null,null,"Net Uncertain Income",null,null,null,null,{"$f":"IF(OR(E1312<>0,G1312<>0),\"Ensure shadings apply in terms of Uncertain Income Calculator’\",\"\")","v":""}]
[null,null,null,"Calculated Tax",{"$f":"IF(E1310+E1311<=0,0,VLOOKUP(((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE))-VLOOKUP(((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,{"$f":"IF(G1310+G1311<=0,0,VLOOKUP(((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$7,3,TRUE)+((((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE))-VLOOKUP(((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE)),Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE)),Lookups!$AE$3:$AJ$8,3,TRUE)))","v":0},null,"Comments:\n"]
[null,null,null,"Medicare Levy (Auto calculated)",{"$f":"IF(OR(E1310+E1311=0,E1315<>\"\"),0,IF(((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((E1310+E1311)*VLOOKUP(E1309,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0},null,{"$f":"IF(OR(G1310+G1311=0,G1315<>\"\"),0,IF(((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE))<=Lookups!$AG$10,0,IF(AND((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE)>Lookups!$AG$10,(G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE)<Lookups!$AG$11),(((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE))-Lookups!$AG$10)*Lookups!$AH$10,((G1310+G1311)*VLOOKUP(G1309,Frequency_Rate,2,FALSE))*Lookups!$AH$11)))","v":0}]
[null,null,null,"Medicare Levy (Manually entered)"]
[null,null,null,"Personal Income after Tax",{"$f":"IF(E1309=\"\",\"\",((E1310+E1311+E1312)*VLOOKUP(E1309,Frequency_Rate,2,FALSE))-(E1313+E1314+E1315))","v":""},null,{"$f":"IF(G1309=\"\",\"\",((G1310+G1311+G1312)*VLOOKUP(G1309,Frequency_Rate,2,FALSE))-(G1313+G1314+G1315))","v":""}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1318:E1320)","v":0},null,{"$f":"SUM(G1318:G1320)","v":0}]
[]
[null,null,null,"Income w Add backs",{"$f":"IFERROR(E1316+E1321,\"-\")","v":"-"},null,{"$f":"IFERROR(G1316+G1321,\"-\")","v":"-"}]
[null,null,null,"Personal Expenditure *"]
[null,null,null,"Expenditure Frequency *"]
[null,null,null,"Total Personal Income",{"$f":"IF(OR(E1324=\"\",E1325=\"\",E1309=\"\",E1310=\"\"),\"-\",(E1323)-((E1324)*VLOOKUP(E1325,Frequency_Rate,2,FALSE)))","v":"-"},null,{"$f":"IF(OR(G1324=\"\",G1325=\"\",G1309=\"\",G1310=\"\"),\"-\",(G1323)-((G1324)*VLOOKUP(G1325,Frequency_Rate,2,FALSE)))","v":"-"}]
[]
[null,null,null,"Rental Properties"]
[]
[null,null,null,"No. Of Rental Properties *","Please Select"]
[null,null,null,"Important: Please enter data for all mandatory fields marked as *"]
[null,null,null,"Address *","Property Status *",null,"Rental Frequency *",null,"Rental Income *","Rental Expenses","Annual Income"]
[]
[null,null,1,null,null,null,null,null,null,{"$f":"IF(E1334=\"\",0,I1334*VLOOKUP(E1334,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},{"$f":"IF(ISERROR((I1334-J1334)*VLOOKUP(G1334,Frequency_Rate,2,FALSE)),0,(I1334-J1334)*VLOOKUP(G1334,Frequency_Rate,2,FALSE))","v":0}]
[null,null,2,null,null,null,null,null,null,{"$f":"IF(E1335=\"\",0,I1335*VLOOKUP(E1335,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,3,null,null,null,null,null,null,{"$f":"IF(E1336=\"\",0,I1336*VLOOKUP(E1336,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,4,null,null,null,null,null,null,{"$f":"IF(E1337=\"\",0,I1337*VLOOKUP(E1337,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,5,null,null,null,null,null,null,{"$f":"IF(E1338=\"\",0,I1338*VLOOKUP(E1338,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,6,null,null,null,null,null,null,{"$f":"IF(E1339=\"\",0,I1339*VLOOKUP(E1339,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,7,null,null,null,null,null,null,{"$f":"IF(E1340=\"\",0,I1340*VLOOKUP(E1340,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,8,null,null,null,null,null,null,{"$f":"IF(E1341=\"\",0,I1341*VLOOKUP(E1341,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,9,null,null,null,null,null,null,{"$f":"IF(E1342=\"\",0,I1342*VLOOKUP(E1342,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,10,null,null,null,null,null,null,{"$f":"IF(E1343=\"\",0,I1343*VLOOKUP(E1343,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,11,null,null,null,null,null,null,{"$f":"IF(E1344=\"\",0,I1344*VLOOKUP(E1344,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,12,null,null,null,null,null,null,{"$f":"IF(E1345=\"\",0,I1345*VLOOKUP(E1345,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,13,null,null,null,null,null,null,{"$f":"IF(E1346=\"\",0,I1346*VLOOKUP(E1346,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,14,null,null,null,null,null,null,{"$f":"IF(E1347=\"\",0,I1347*VLOOKUP(E1347,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[null,null,15,null,null,null,null,null,null,{"$f":"IF(E1348=\"\",0,I1348*VLOOKUP(E1348,Lookups!$BI$3:$BJ$4,2,FALSE))","v":0},0]
[]
[null,null,null,null,null,null,null,null,"Total Rental Income",null,{"$f":"IF($E1330=1,SUM($K1334),IF($E1330=2,SUM($K1334:$K1335),IF($E1330=3,SUM($K1334:$K1336),IF($E1330=4,SUM($K1334:$K1337),IF($E1330=5,SUM($K1334:$K1338),IF($E1330=6,SUM($K1334:$K1339),IF($E1330=7,SUM($K1334:$K1340),IF($E1330=8,SUM($K1334:$K1341),IF($E1330=9,SUM($K1334:$K1342),IF($E1330=10,SUM($K1334:$K1343),IF($E1330=11,SUM($K1334:$K1344),IF($E1330=12,SUM($K1334:$K1345),IF($E1330=13,SUM($K1334:$K1346),IF($E1330=14,SUM($K1334:$K1347),IF($E1330=15,SUM($K1334:$K1348),\"-\")))))))))))))))","v":"-"}]
[]
[]
[null,null,null,"Asset/s"]
[]
[null,null,null,"No. of Assets *","Please Select"]
[null,null,null,"Important: Please enter data for all mandatory fields marked as *"]
[null,null,null,"Asset Type *","Description (Name/Address) *",null,null,null,null,"Owner Type *","Value *"]
[]
[null,null,1]
[null,null,2]
[null,null,3]
[null,null,4]
[null,null,5]
[null,null,6]
[null,null,7]
[null,null,8]
[null,null,9]
[null,null,10]
[null,null,11]
[null,null,12]
[null,null,13]
[null,null,14]
[null,null,15]
[null,null,16]
[null,null,17]
[null,null,18]
[null,null,19]
[null,null,20]
[]
[null,null,null,"Only asset types within the dropdown menu will be used for Statement of Position calculation. \n(eg. dropdown excludes: Home content, Superannuation, Business goodwill, Life policy etc.)",null,null,null,null,"Total Value of Individual/Sole Trader Assets",null,{"$f":"IFERROR(IF(AND(E1355=\"\",E1355=\"Please select\"),\"-\",IF(E1355=1,SUMIF(J1359:J1359,\"Individual/Sole Trader\",K1359:K1359),IF(E1355=2,SUMIF(J1359:J1360,\"Individual/Sole Trader\",K1359:K1360),IF(E1355=3,SUMIF(J1359:J1361,\"Individual/Sole Trader\",K1359:K1361),IF(E1355=4,SUMIF(J1359:J1362,\"Individual/Sole Trader\",K1359:K1362),IF(E1355=5,SUMIF(J1359:J1363,\"Individual/Sole Trader\",K1359:K1363),IF(E1355=6,SUMIF(J1359:J1364,\"Individual/Sole Trader\",K1359:K1364),IF(E1355=7,SUMIF(J1359:J1365,\"Individual/Sole Trader\",K1359:K1365),IF(E1355=8,SUMIF(J1359:J1366,\"Individual/Sole Trader\",K1359:K1366),IF(E1355=9,SUMIF(J1359:J1367,\"Individual/Sole Trader\",K1359:K1367),IF(E1355=10,SUMIF(J1359:J1368,\"Individual/Sole Trader\",K1359:K1368),IF(E1355=11,SUMIF(J1359:J1369,\"Individual/Sole Trader\",K1359:K1369),IF(E1355=12,SUMIF(J1359:J1370,\"Individual/Sole Trader\",K1359:K1370),IF(E1355=13,SUMIF(J1359:J1371,\"Individual/Sole Trader\",K1359:K1371),IF(E1355=14,SUMIF(J1359:J1372,\"Individual/Sole Trader\",K1359:K1372),IF(E1355=15,SUMIF(J1359:J1373,\"Individual/Sole Trader\",K1359:K1373),IF(E1355=16,SUMIF(J1359:J1374,\"Individual/Sole Trader\",K1359:K1374),IF(E1355=17,SUMIF(J1359:J1375,\"Individual/Sole Trader\",K1359:K1375),IF(E1355=18,SUMIF(J1359:J1376,\"Individual/Sole Trader\",K1359:K1376),IF(E1355=19,SUMIF(J1359:J1377,\"Individual/Sole Trader\",K1359:K1377),IF(E1355=20,SUMIF(J1359:J1378,\"Individual/Sole Trader\",K1359:K1378),\"-\"))))))))))))))))))))),\"-\")","v":"-"}]
[null,null,null,null,null,null,null,null,"Total Value of All Assets",null,{"$f":"IFERROR(IF(AND(E1355=\"\",E1355=\"Please select\"),\"-\",IF(E1355=1,SUM(K1359:K1359),IF(E1355=2,SUM(K1359:K1360),IF(E1355=3,SUM(K1359:K1361),IF(E1355=4,SUM(K1359:K1362),IF(E1355=5,SUM(K1359:K1363),IF(E1355=6,SUM(K1359:K1364),IF(E1355=7,SUM(K1359:K1365),IF(E1355=8,SUM(K1359:K1366),IF(E1355=9,SUM(K1359:K1367),IF(E1355=10,SUM(K1359:K1368),IF(E1355=11,SUM(K1359:K1369),IF(E1355=12,SUM(K1359:K1370),IF(E1355=13,SUM(K1359:K1371),IF(E1355=14,SUM(K1359:K1372),IF(E1355=15,SUM(K1359:K1373),IF(E1355=16,SUM(K1359:K1374),IF(E1355=17,SUM(K1359:K1375),IF(E1355=18,SUM(K1359:K1376),IF(E1355=19,SUM(K1359:K1377),IF(E1355=20,SUM(K1359:K1378),\"-\"))))))))))))))))))))),\"-\")","v":"-"}]
[]
[]
[null,null,null,"Liabilities (Bank Facilities & Other Debts)"]
[null,null,null,null,null,null,null,null,null,null,"I/O Loans (New / Recontracted): Actual repayments to represent Affordability Rate on P&I basis, over remaining P&I Term (ie. contracted loan term less I/O Term). For new Home Lending Affordability Repayments please enter figure obtained from nabBroker Serviceability Calculator and enter in Actual Repayments field."]
[null,null,null,"No. of Liabilities * ","Please Select"]
[null,null,null,"Important: Please enter data for all mandatory fields marked as *"]
[null,null,null,"Facility Type *","Institution*",null,"Borrowing Entity Name",null,"New Loan*","Limit*","Expiry","Affordability Repayments","Actual Repayments*","Interest Type*","IO Term Expiry *\n(DD/MM/YYYY)","Interest Rate*","Repayment Used",null,null,null,null,"Yes","All",null,null,"Error Test","Max of affordability vs actual repayment","Count Active","Non BOL Combo Term","BOL Combo Term","Term for Repaym't calc","Higher Rate","Business Lending Facility Type","FLAG - Business Options IO Combo","PMT CALC",null,"Business options Combo TEST","Business Options Combo TERM","Term for repaym't calc"]
[]
[null,null,1,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1390=\"\",Z1390=\"ERR\"),\"\",\nIF(OR(D1390=\"\",I1390=\"\",AND(D1390=\"Flexiplus Mortgage/Line of Credit\",N1390=\"P&I\")),\"\",\nIF(AND(D1390=\"Home Loan\",I1390=\"No\",N1390=\"\"),\"\",\nIF(AND(D1390=\"Home Loan\",I1390=\"No\",N1390=\"P&I\"),-PMT(MAX(Lookups!V3,VLOOKUP(D1390,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1390,\"m\"),J1390),\nIF(AND(D1390=\"Home Loan\",I1390=\"No\",N1390=\"IO\"),-PMT(MAX(Lookups!V3,VLOOKUP(D1390,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1390,\"m\")-DATEDIF(TODAY(),O1390,\"m\"),J1390),\nIF(AND(D1390=\"Home Loan\",I1390=\"No\",N1390=\"Line of Credit\"),-PMT(MAX(Lookups!V3,VLOOKUP(D1390,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1390,Facility_Lookup,2,FALSE)*12,J1390),\n\nIF(AND(D1390=\"Home Loan\",I1390=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1390=\"Home Loan\",I1390=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1390=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1390=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1390=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1390,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1390*MAX(VLOOKUP(D1390,Facility_Lookup,3,FALSE),AF1390/12),\n\nIF(AG1390=\"Y\",-PMT(AF1390/12,AE1390,J1390),-PMT((VLOOKUP(D1390,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1390,Facility_Lookup,2,FALSE)*12,J1390)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1390=\"\",I1390=\"\"),\"-\",IF(OR(D1390=Lookups!$C$15,L1390=\"Enter NABCalc figure in next field\",L1390=\"Enter actual figure in next field\"),'Financial Inputs'!M1390,IF(AND(D1390=\"Home Loan\",I1390=\"No\"),L1390,IF(OR(L1390>M1390,M1390=\"\",M1390=0),L1390,M1390))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1390,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,{"$f":"IF(I1390=\"Yes\",1,0)","v":0},{"$f":"IF(I1390=\"\",0,1)","v":0},{"$f":"IF(I1390<>\"Yes\",J1390,0)","v":0},{"$f":"IF(I1390=\"\",0,J1390)","v":0},{"$f":"IF(AND(D1390=\"Home Loan\",OR(E1390=\"\",I1390=\"\",J1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Home Loan\",I1390=\"No\",OR(E1390=\"\",I1390=\"\",J1390=\"\",K1390=\"\",N1390=\"\",P1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Home Loan\",I1390=\"No\",N1390=\"IO\",OR(E1390=\"\",I1390=\"\",J1390=\"\",K1390=\"\",N1390=\"\",O1390=\"\",P1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Personal Loan\",OR(E1390=\"\",I1390=\"\",J1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Bus Options Loan (P&I ≤ 30 years)\",OR(E1390=\"\",I1390=\"\",J1390=\"\",K1390=\"\",P1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Fast Track BOL (Interest Only) - Residential\",OR(E1390=\"\",I1390=\"\",J1390=\"\",K1390=\"\",P1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Fast Track BOL (Interest Only) - Commercial\",OR(E1390=\"\",I1390=\"\",J1390=\"\",K1390=\"\",P1390=\"\")),\"ERR\",\nIF(AND(D1390=\"Bus - (Cat. 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[null,null,4,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1393=\"\",Z1393=\"ERR\"),\"\",\nIF(OR(D1393=\"\",I1393=\"\",AND(D1393=\"Flexiplus Mortgage/Line of Credit\",N1393=\"P&I\")),\"\",\nIF(AND(D1393=\"Home Loan\",I1393=\"No\",N1393=\"\"),\"\",\nIF(AND(D1393=\"Home Loan\",I1393=\"No\",N1393=\"P&I\"),-PMT(MAX(Lookups!V6,VLOOKUP(D1393,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1393,\"m\"),J1393),\nIF(AND(D1393=\"Home Loan\",I1393=\"No\",N1393=\"IO\"),-PMT(MAX(Lookups!V6,VLOOKUP(D1393,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1393,\"m\")-DATEDIF(TODAY(),O1393,\"m\"),J1393),\nIF(AND(D1393=\"Home Loan\",I1393=\"No\",N1393=\"Line of Credit\"),-PMT(MAX(Lookups!V6,VLOOKUP(D1393,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1393,Facility_Lookup,2,FALSE)*12,J1393),\n\nIF(AND(D1393=\"Home Loan\",I1393=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1393=\"Home Loan\",I1393=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1393=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1393=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1393=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1393,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1393*MAX(VLOOKUP(D1393,Facility_Lookup,3,FALSE),AF1393/12),\n\nIF(AG1393=\"Y\",-PMT(AF1393/12,AE1393,J1393),-PMT((VLOOKUP(D1393,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1393,Facility_Lookup,2,FALSE)*12,J1393)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1393=\"\",I1393=\"\"),\"-\",IF(OR(D1393=Lookups!$C$15,L1393=\"Enter NABCalc figure in next field\",L1393=\"Enter actual figure in next field\"),'Financial Inputs'!M1393,IF(AND(D1393=\"Home Loan\",I1393=\"No\"),L1393,IF(OR(L1393>M1393,M1393=\"\",M1393=0),L1393,M1393))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1393,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,{"$f":"IF(AND(D1393=\"Home Loan\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Home Loan\",I1393=\"No\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",N1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Home Loan\",I1393=\"No\",N1393=\"IO\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",N1393=\"\",O1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Personal Loan\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Bus Options Loan (P&I ≤ 30 years)\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Fast Track BOL (Interest Only) - Residential\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Fast Track BOL (Interest Only) - Commercial\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Bus - (Cat. A-D) - Term, OD - 15 years\",OR(E1393=\"\",I1393=\"\",J1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Bus - (Cat. E-J) - Term, OD - 10 years\",OR(E1393=\"\",I1393=\"\",J1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Bank Guarantee (Cat. A-D)\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Bank Guarantee (Cat. E-J)\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Equipment Finance (New/Existing)\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Equipment Finance (Undrawn Revolving Lease Limit)\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"International\",OR(E1393=\"\",I1393=\"\",J1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Margin Lending\",OR(E1393=\"\",I1393=\"\",J1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Business/Personal Credit Card/Personal O'draft\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"QuickBiz Term Loan\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"NAB Flex Flow Loan\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\nIF(AND(D1393=\"BOL IO/Combination Loan (Cat. A-D Residential)\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",O1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"BOL IO/Combination Loan (Cat. A-D Comm/Other)\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",O1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"BOL IO/Combination Loan (Cat. E-J)\",OR(E1393=\"\",I1393=\"\",J1393=\"\",K1393=\"\",O1393=\"\",P1393=\"\")),\"ERR\",\nIF(AND(D1393=\"Other Debt\",OR(E1393=\"\",I1393=\"\",J1393=\"\")),\"ERR\",\n\"\"))))))))))))))))))))))","v":""},"","","","","","",{"$f":"IF(D1393=\"\",\"\",\n_xlfn.XLOOKUP(D1393,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,5,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1394=\"\",Z1394=\"ERR\"),\"\",\nIF(OR(D1394=\"\",I1394=\"\",AND(D1394=\"Flexiplus Mortgage/Line of Credit\",N1394=\"P&I\")),\"\",\nIF(AND(D1394=\"Home Loan\",I1394=\"No\",N1394=\"\"),\"\",\nIF(AND(D1394=\"Home Loan\",I1394=\"No\",N1394=\"P&I\"),-PMT(MAX(Lookups!V7,VLOOKUP(D1394,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1394,\"m\"),J1394),\nIF(AND(D1394=\"Home Loan\",I1394=\"No\",N1394=\"IO\"),-PMT(MAX(Lookups!V7,VLOOKUP(D1394,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1394,\"m\")-DATEDIF(TODAY(),O1394,\"m\"),J1394),\nIF(AND(D1394=\"Home Loan\",I1394=\"No\",N1394=\"Line of Credit\"),-PMT(MAX(Lookups!V7,VLOOKUP(D1394,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1394,Facility_Lookup,2,FALSE)*12,J1394),\n\nIF(AND(D1394=\"Home Loan\",I1394=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1394=\"Home Loan\",I1394=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1394=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1394=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1394=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1394,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1394*MAX(VLOOKUP(D1394,Facility_Lookup,3,FALSE),AF1394/12),\n\nIF(AG1394=\"Y\",-PMT(AF1394/12,AE1394,J1394),-PMT((VLOOKUP(D1394,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1394,Facility_Lookup,2,FALSE)*12,J1394)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1394=\"\",I1394=\"\"),\"-\",IF(OR(D1394=Lookups!$C$15,L1394=\"Enter NABCalc figure in next field\",L1394=\"Enter actual figure in next field\"),'Financial Inputs'!M1394,IF(AND(D1394=\"Home Loan\",I1394=\"No\"),L1394,IF(OR(L1394>M1394,M1394=\"\",M1394=0),L1394,M1394))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1394,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1394=\"\",\"\",\n_xlfn.XLOOKUP(D1394,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
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[null,null,7,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1396=\"\",Z1396=\"ERR\"),\"\",\nIF(OR(D1396=\"\",I1396=\"\",AND(D1396=\"Flexiplus Mortgage/Line of Credit\",N1396=\"P&I\")),\"\",\nIF(AND(D1396=\"Home Loan\",I1396=\"No\",N1396=\"\"),\"\",\nIF(AND(D1396=\"Home Loan\",I1396=\"No\",N1396=\"P&I\"),-PMT(MAX(Lookups!V9,VLOOKUP(D1396,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1396,\"m\"),J1396),\nIF(AND(D1396=\"Home Loan\",I1396=\"No\",N1396=\"IO\"),-PMT(MAX(Lookups!V9,VLOOKUP(D1396,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1396,\"m\")-DATEDIF(TODAY(),O1396,\"m\"),J1396),\nIF(AND(D1396=\"Home Loan\",I1396=\"No\",N1396=\"Line of Credit\"),-PMT(MAX(Lookups!V9,VLOOKUP(D1396,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1396,Facility_Lookup,2,FALSE)*12,J1396),\n\nIF(AND(D1396=\"Home Loan\",I1396=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1396=\"Home Loan\",I1396=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1396=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1396=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1396=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1396,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1396*MAX(VLOOKUP(D1396,Facility_Lookup,3,FALSE),AF1396/12),\n\nIF(AG1396=\"Y\",-PMT(AF1396/12,AE1396,J1396),-PMT((VLOOKUP(D1396,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1396,Facility_Lookup,2,FALSE)*12,J1396)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1396=\"\",I1396=\"\"),\"-\",IF(OR(D1396=Lookups!$C$15,L1396=\"Enter NABCalc figure in next field\",L1396=\"Enter actual figure in next field\"),'Financial Inputs'!M1396,IF(AND(D1396=\"Home Loan\",I1396=\"No\"),L1396,IF(OR(L1396>M1396,M1396=\"\",M1396=0),L1396,M1396))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1396,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1396=\"\",\"\",\n_xlfn.XLOOKUP(D1396,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,8,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1397=\"\",Z1397=\"ERR\"),\"\",\nIF(OR(D1397=\"\",I1397=\"\",AND(D1397=\"Flexiplus Mortgage/Line of Credit\",N1397=\"P&I\")),\"\",\nIF(AND(D1397=\"Home Loan\",I1397=\"No\",N1397=\"\"),\"\",\nIF(AND(D1397=\"Home Loan\",I1397=\"No\",N1397=\"P&I\"),-PMT(MAX(Lookups!V10,VLOOKUP(D1397,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1397,\"m\"),J1397),\nIF(AND(D1397=\"Home Loan\",I1397=\"No\",N1397=\"IO\"),-PMT(MAX(Lookups!V10,VLOOKUP(D1397,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1397,\"m\")-DATEDIF(TODAY(),O1397,\"m\"),J1397),\nIF(AND(D1397=\"Home Loan\",I1397=\"No\",N1397=\"Line of Credit\"),-PMT(MAX(Lookups!V10,VLOOKUP(D1397,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1397,Facility_Lookup,2,FALSE)*12,J1397),\n\nIF(AND(D1397=\"Home Loan\",I1397=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1397=\"Home Loan\",I1397=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1397=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1397=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1397=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1397,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1397*MAX(VLOOKUP(D1397,Facility_Lookup,3,FALSE),AF1397/12),\n\nIF(AG1397=\"Y\",-PMT(AF1397/12,AE1397,J1397),-PMT((VLOOKUP(D1397,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1397,Facility_Lookup,2,FALSE)*12,J1397)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1397=\"\",I1397=\"\"),\"-\",IF(OR(D1397=Lookups!$C$15,L1397=\"Enter NABCalc figure in next field\",L1397=\"Enter actual figure in next field\"),'Financial Inputs'!M1397,IF(AND(D1397=\"Home Loan\",I1397=\"No\"),L1397,IF(OR(L1397>M1397,M1397=\"\",M1397=0),L1397,M1397))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1397,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1397=\"\",\"\",\n_xlfn.XLOOKUP(D1397,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,9,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1398=\"\",Z1398=\"ERR\"),\"\",\nIF(OR(D1398=\"\",I1398=\"\",AND(D1398=\"Flexiplus Mortgage/Line of Credit\",N1398=\"P&I\")),\"\",\nIF(AND(D1398=\"Home Loan\",I1398=\"No\",N1398=\"\"),\"\",\nIF(AND(D1398=\"Home Loan\",I1398=\"No\",N1398=\"P&I\"),-PMT(MAX(Lookups!V11,VLOOKUP(D1398,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1398,\"m\"),J1398),\nIF(AND(D1398=\"Home Loan\",I1398=\"No\",N1398=\"IO\"),-PMT(MAX(Lookups!V11,VLOOKUP(D1398,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1398,\"m\")-DATEDIF(TODAY(),O1398,\"m\"),J1398),\nIF(AND(D1398=\"Home Loan\",I1398=\"No\",N1398=\"Line of Credit\"),-PMT(MAX(Lookups!V11,VLOOKUP(D1398,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1398,Facility_Lookup,2,FALSE)*12,J1398),\n\nIF(AND(D1398=\"Home Loan\",I1398=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1398=\"Home Loan\",I1398=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1398=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1398=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1398=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1398,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1398*MAX(VLOOKUP(D1398,Facility_Lookup,3,FALSE),AF1398/12),\n\nIF(AG1398=\"Y\",-PMT(AF1398/12,AE1398,J1398),-PMT((VLOOKUP(D1398,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1398,Facility_Lookup,2,FALSE)*12,J1398)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1398=\"\",I1398=\"\"),\"-\",IF(OR(D1398=Lookups!$C$15,L1398=\"Enter NABCalc figure in next field\",L1398=\"Enter actual figure in next field\"),'Financial Inputs'!M1398,IF(AND(D1398=\"Home Loan\",I1398=\"No\"),L1398,IF(OR(L1398>M1398,M1398=\"\",M1398=0),L1398,M1398))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1398,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1398=\"\",\"\",\n_xlfn.XLOOKUP(D1398,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,10,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1399=\"\",Z1399=\"ERR\"),\"\",\nIF(OR(D1399=\"\",I1399=\"\",AND(D1399=\"Flexiplus Mortgage/Line of Credit\",N1399=\"P&I\")),\"\",\nIF(AND(D1399=\"Home Loan\",I1399=\"No\",N1399=\"\"),\"\",\nIF(AND(D1399=\"Home Loan\",I1399=\"No\",N1399=\"P&I\"),-PMT(MAX(Lookups!V12,VLOOKUP(D1399,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1399,\"m\"),J1399),\nIF(AND(D1399=\"Home Loan\",I1399=\"No\",N1399=\"IO\"),-PMT(MAX(Lookups!V12,VLOOKUP(D1399,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1399,\"m\")-DATEDIF(TODAY(),O1399,\"m\"),J1399),\nIF(AND(D1399=\"Home Loan\",I1399=\"No\",N1399=\"Line of Credit\"),-PMT(MAX(Lookups!V12,VLOOKUP(D1399,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1399,Facility_Lookup,2,FALSE)*12,J1399),\n\nIF(AND(D1399=\"Home Loan\",I1399=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1399=\"Home Loan\",I1399=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1399=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1399=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1399=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1399,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1399*MAX(VLOOKUP(D1399,Facility_Lookup,3,FALSE),AF1399/12),\n\nIF(AG1399=\"Y\",-PMT(AF1399/12,AE1399,J1399),-PMT((VLOOKUP(D1399,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1399,Facility_Lookup,2,FALSE)*12,J1399)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1399=\"\",I1399=\"\"),\"-\",IF(OR(D1399=Lookups!$C$15,L1399=\"Enter NABCalc figure in next field\",L1399=\"Enter actual figure in next field\"),'Financial Inputs'!M1399,IF(AND(D1399=\"Home Loan\",I1399=\"No\"),L1399,IF(OR(L1399>M1399,M1399=\"\",M1399=0),L1399,M1399))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1399,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1399=\"\",\"\",\n_xlfn.XLOOKUP(D1399,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,11,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1400=\"\",Z1400=\"ERR\"),\"\",\nIF(OR(D1400=\"\",I1400=\"\",AND(D1400=\"Flexiplus Mortgage/Line of Credit\",N1400=\"P&I\")),\"\",\nIF(AND(D1400=\"Home Loan\",I1400=\"No\",N1400=\"\"),\"\",\nIF(AND(D1400=\"Home Loan\",I1400=\"No\",N1400=\"P&I\"),-PMT(MAX(Lookups!V13,VLOOKUP(D1400,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1400,\"m\"),J1400),\nIF(AND(D1400=\"Home Loan\",I1400=\"No\",N1400=\"IO\"),-PMT(MAX(Lookups!V13,VLOOKUP(D1400,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1400,\"m\")-DATEDIF(TODAY(),O1400,\"m\"),J1400),\nIF(AND(D1400=\"Home Loan\",I1400=\"No\",N1400=\"Line of Credit\"),-PMT(MAX(Lookups!V13,VLOOKUP(D1400,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1400,Facility_Lookup,2,FALSE)*12,J1400),\n\nIF(AND(D1400=\"Home Loan\",I1400=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1400=\"Home Loan\",I1400=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1400=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1400=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1400=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1400,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1400*MAX(VLOOKUP(D1400,Facility_Lookup,3,FALSE),AF1400/12),\n\nIF(AG1400=\"Y\",-PMT(AF1400/12,AE1400,J1400),-PMT((VLOOKUP(D1400,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1400,Facility_Lookup,2,FALSE)*12,J1400)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1400=\"\",I1400=\"\"),\"-\",IF(OR(D1400=Lookups!$C$15,L1400=\"Enter NABCalc figure in next field\",L1400=\"Enter actual figure in next field\"),'Financial Inputs'!M1400,IF(AND(D1400=\"Home Loan\",I1400=\"No\"),L1400,IF(OR(L1400>M1400,M1400=\"\",M1400=0),L1400,M1400))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1400,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1400=\"\",\"\",\n_xlfn.XLOOKUP(D1400,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,12,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1401=\"\",Z1401=\"ERR\"),\"\",\nIF(OR(D1401=\"\",I1401=\"\",AND(D1401=\"Flexiplus Mortgage/Line of Credit\",N1401=\"P&I\")),\"\",\nIF(AND(D1401=\"Home Loan\",I1401=\"No\",N1401=\"\"),\"\",\nIF(AND(D1401=\"Home Loan\",I1401=\"No\",N1401=\"P&I\"),-PMT(MAX(Lookups!V14,VLOOKUP(D1401,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1401,\"m\"),J1401),\nIF(AND(D1401=\"Home Loan\",I1401=\"No\",N1401=\"IO\"),-PMT(MAX(Lookups!V14,VLOOKUP(D1401,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1401,\"m\")-DATEDIF(TODAY(),O1401,\"m\"),J1401),\nIF(AND(D1401=\"Home Loan\",I1401=\"No\",N1401=\"Line of Credit\"),-PMT(MAX(Lookups!V14,VLOOKUP(D1401,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1401,Facility_Lookup,2,FALSE)*12,J1401),\n\nIF(AND(D1401=\"Home Loan\",I1401=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1401=\"Home Loan\",I1401=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1401=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1401=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1401=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1401,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1401*MAX(VLOOKUP(D1401,Facility_Lookup,3,FALSE),AF1401/12),\n\nIF(AG1401=\"Y\",-PMT(AF1401/12,AE1401,J1401),-PMT((VLOOKUP(D1401,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1401,Facility_Lookup,2,FALSE)*12,J1401)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1401=\"\",I1401=\"\"),\"-\",IF(OR(D1401=Lookups!$C$15,L1401=\"Enter NABCalc figure in next field\",L1401=\"Enter actual figure in next field\"),'Financial Inputs'!M1401,IF(AND(D1401=\"Home Loan\",I1401=\"No\"),L1401,IF(OR(L1401>M1401,M1401=\"\",M1401=0),L1401,M1401))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1401,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1401=\"\",\"\",\n_xlfn.XLOOKUP(D1401,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,13,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1402=\"\",Z1402=\"ERR\"),\"\",\nIF(OR(D1402=\"\",I1402=\"\",AND(D1402=\"Flexiplus Mortgage/Line of Credit\",N1402=\"P&I\")),\"\",\nIF(AND(D1402=\"Home Loan\",I1402=\"No\",N1402=\"\"),\"\",\nIF(AND(D1402=\"Home Loan\",I1402=\"No\",N1402=\"P&I\"),-PMT(MAX(Lookups!V15,VLOOKUP(D1402,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1402,\"m\"),J1402),\nIF(AND(D1402=\"Home Loan\",I1402=\"No\",N1402=\"IO\"),-PMT(MAX(Lookups!V15,VLOOKUP(D1402,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1402,\"m\")-DATEDIF(TODAY(),O1402,\"m\"),J1402),\nIF(AND(D1402=\"Home Loan\",I1402=\"No\",N1402=\"Line of Credit\"),-PMT(MAX(Lookups!V15,VLOOKUP(D1402,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1402,Facility_Lookup,2,FALSE)*12,J1402),\n\nIF(AND(D1402=\"Home Loan\",I1402=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1402=\"Home Loan\",I1402=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1402=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1402=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1402=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1402,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1402*MAX(VLOOKUP(D1402,Facility_Lookup,3,FALSE),AF1402/12),\n\nIF(AG1402=\"Y\",-PMT(AF1402/12,AE1402,J1402),-PMT((VLOOKUP(D1402,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1402,Facility_Lookup,2,FALSE)*12,J1402)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1402=\"\",I1402=\"\"),\"-\",IF(OR(D1402=Lookups!$C$15,L1402=\"Enter NABCalc figure in next field\",L1402=\"Enter actual figure in next field\"),'Financial Inputs'!M1402,IF(AND(D1402=\"Home Loan\",I1402=\"No\"),L1402,IF(OR(L1402>M1402,M1402=\"\",M1402=0),L1402,M1402))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1402,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1402=\"\",\"\",\n_xlfn.XLOOKUP(D1402,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,14,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1403=\"\",Z1403=\"ERR\"),\"\",\nIF(OR(D1403=\"\",I1403=\"\",AND(D1403=\"Flexiplus Mortgage/Line of Credit\",N1403=\"P&I\")),\"\",\nIF(AND(D1403=\"Home Loan\",I1403=\"No\",N1403=\"\"),\"\",\nIF(AND(D1403=\"Home Loan\",I1403=\"No\",N1403=\"P&I\"),-PMT(MAX(Lookups!V16,VLOOKUP(D1403,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1403,\"m\"),J1403),\nIF(AND(D1403=\"Home Loan\",I1403=\"No\",N1403=\"IO\"),-PMT(MAX(Lookups!V16,VLOOKUP(D1403,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1403,\"m\")-DATEDIF(TODAY(),O1403,\"m\"),J1403),\nIF(AND(D1403=\"Home Loan\",I1403=\"No\",N1403=\"Line of Credit\"),-PMT(MAX(Lookups!V16,VLOOKUP(D1403,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1403,Facility_Lookup,2,FALSE)*12,J1403),\n\nIF(AND(D1403=\"Home Loan\",I1403=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1403=\"Home Loan\",I1403=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1403=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1403=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1403=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1403,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1403*MAX(VLOOKUP(D1403,Facility_Lookup,3,FALSE),AF1403/12),\n\nIF(AG1403=\"Y\",-PMT(AF1403/12,AE1403,J1403),-PMT((VLOOKUP(D1403,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1403,Facility_Lookup,2,FALSE)*12,J1403)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1403=\"\",I1403=\"\"),\"-\",IF(OR(D1403=Lookups!$C$15,L1403=\"Enter NABCalc figure in next field\",L1403=\"Enter actual figure in next field\"),'Financial Inputs'!M1403,IF(AND(D1403=\"Home Loan\",I1403=\"No\"),L1403,IF(OR(L1403>M1403,M1403=\"\",M1403=0),L1403,M1403))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1403,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1403=\"\",\"\",\n_xlfn.XLOOKUP(D1403,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,15,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(D1404=\"\",Z1404=\"ERR\"),\"\",\nIF(OR(D1404=\"\",I1404=\"\",AND(D1404=\"Flexiplus Mortgage/Line of Credit\",N1404=\"P&I\")),\"\",\nIF(AND(D1404=\"Home Loan\",I1404=\"No\",N1404=\"\"),\"\",\nIF(AND(D1404=\"Home Loan\",I1404=\"No\",N1404=\"P&I\"),-PMT(MAX(Lookups!V17,VLOOKUP(D1404,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1404,\"m\"),J1404),\nIF(AND(D1404=\"Home Loan\",I1404=\"No\",N1404=\"IO\"),-PMT(MAX(Lookups!V17,VLOOKUP(D1404,Facility_Lookup,3,FALSE))/12,DATEDIF(TODAY(),K1404,\"m\")-DATEDIF(TODAY(),O1404,\"m\"),J1404),\nIF(AND(D1404=\"Home Loan\",I1404=\"No\",N1404=\"Line of Credit\"),-PMT(MAX(Lookups!V17,VLOOKUP(D1404,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1404,Facility_Lookup,2,FALSE)*12,J1404),\n\nIF(AND(D1404=\"Home Loan\",I1404=\"Yes\"),\"Enter NABCalc figure in next field\",\nIF(AND(D1404=\"Home Loan\",I1404=\"Yes - Refinance\"),\"Enter NABCalc figure in next field\",\n\nIF(D1404=\"Other Debt\",\"Enter actual figure in next field\",\nIF(D1404=\"QuickBiz Term Loan\",\"Enter actual figure in next field\",\nIF(D1404=\"Equipment Finance (New/Existing)\",\"Enter actual figure in next field\",\nIF(VLOOKUP(D1404,Lookups!$C$3:$F$23,4,FALSE)=\"YES\",J1404*MAX(VLOOKUP(D1404,Facility_Lookup,3,FALSE),AF1404/12),\n\nIF(AG1404=\"Y\",-PMT(AF1404/12,AE1404,J1404),-PMT((VLOOKUP(D1404,Facility_Lookup,3,FALSE))/12,VLOOKUP(D1404,Facility_Lookup,2,FALSE)*12,J1404)))))))))))))),\"-\")","v":""},null,null,null,null,{"$f":"IF(OR(D1404=\"\",I1404=\"\"),\"-\",IF(OR(D1404=Lookups!$C$15,L1404=\"Enter NABCalc figure in next field\",L1404=\"Enter actual figure in next field\"),'Financial Inputs'!M1404,IF(AND(D1404=\"Home Loan\",I1404=\"No\"),L1404,IF(OR(L1404>M1404,M1404=\"\",M1404=0),L1404,M1404))))","v":"-"},{"$f":"IF(Lookups!$AA$2=\"No\",\"Interest_Type_All\",IF(LEFT(I1404,3)=\"Yes\",\"Int_Type_Fast_Track\",\"Interest_Type_All\"))","v":"Interest_Type_All"},null,null,null,0,0,0,0,"","","","","","","",{"$f":"IF(D1404=\"\",\"\",\n_xlfn.XLOOKUP(D1404,[2]Lookups!$C$3:$C$22,[2]Lookups!$H$3:$H$22))","v":""},"",{"$error":"#N/A"},null,"","",""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1385=\"\",E1385=\"Please select\"),\"-\",IF(E1385=1,(SUMIF(I1389,\"Yes - Refinance\",Q1389)*12),IF(E1385=2,(SUMIF(I1389:I1389,\"Yes - Refinance\",Q1389:Q1389)*12),IF(E1385=3,(SUMIF(I1389:I1391,\"Yes - Refinance\",Q1389:Q1391)*12),IF(E1385=4,(SUMIF(I1389:I1392,\"Yes - Refinance\",Q1389:Q1392)*12),IF(E1385=5,(SUMIF(I1389:I1393,\"Yes - Refinance\",Q1389:Q1393)*12),IF(E1385=6,(SUMIF(I1389:I1394,\"Yes - Refinance\",Q1389:Q1394)*12),IF(E1385=7,(SUMIF(I1389:I1395,\"Yes - Refinance\",Q1389:Q1395)*12),IF(E1385=8,(SUMIF(I1389:I1396,\"Yes - Refinance\",Q1389:Q1396)*12),IF(E1385=9,(SUMIF(I1389:I1397,\"Yes - Refinance\",Q1389:Q1397)*12),IF(E1385=10,(SUMIF(I1389:I1398,\"Yes - Refinance\",Q1389:Q1398)*12),IF(E1385=11,(SUMIF(I1389:I1399,\"Yes - Refinance\",Q1389:Q1399)*12),IF(E1385=12,(SUMIF(I1389:I1400,\"Yes - Refinance\",Q1389:Q1400)*12),IF(E1385=13,(SUMIF(I1389:I1401,\"Yes - Refinance\",Q1389:Q1401)*12),IF(E1385=14,(SUMIF(I1389:I1402,\"Yes - Refinance\",Q1389:Q1402)*12),IF(E1385=15,(SUMIF(I1389:I1403,\"Yes - Refinance\",Q1389:Q1403)*12),\"-\"))))))))))))))))","v":"-"}]
[null,null,null,null,"Existing Total Liabilities",null,null,null,{"$f":"IF(X1406=0,1,X1406)","v":1},{"$f":"IF(AND(E1386=\"\",E1386=\"Please select\"),\"-\",IF(E1386=1,SUMIF(I1390:I1390,\"Yes - Refinance\",J1390:J1390),IF(E1386=2,SUMIF(I1390:I1391,\"Yes - Refinance\",J1390:J1391),IF(E1386=3,SUMIF(I1390:I1392,\"Yes - Refinance\",J1390:J1392),IF(E1386=4,SUMIF(I1390:I1393,\"Yes - Refinance\",J1390:J1393),IF(E1386=5,SUMIF(I1390:I1394,\"Yes - Refinance\",J1390:J1394),IF(E1386=6,SUMIF(I1390:I1395,\"Yes - Refinance\",J1390:J1395),IF(E1386=7,SUMIF(I1390:I1396,\"Yes - Refinance\",J1390:J1396),IF(E1386=8,SUMIF(I1390:I1397,\"Yes - Refinance\",J1390:J1397),IF(E1386=9,SUMIF(I1390:I1398,\"Yes - Refinance\",J1390:J1398),IF(E1386=10,SUMIF(I1390:I1399,\"Yes - Refinance\",J1390:J1399),IF(E1386=11,SUMIF(I1390:I1400,\"Yes - Refinance\",J1390:J1400),IF(E1386=12,SUMIF(I1390:I1401,\"Yes - Refinance\",J1390:J1401),IF(E1386=13,SUMIF(I1390:I1402,\"Yes - Refinance\",J1390:J1402),IF(E1386=14,SUMIF(I1390:I1403,\"Yes - Refinance\",J1390:J1403),IF(E1386=15,SUMIF(I1390:I1404,\"Yes - Refinance\",J1390:J1404),\"-\"))))))))))))))))","v":"-"},null,"Existing Annual Loan Repayments",null,null,null,null,{"$f":"IFERROR(IF(AND(E1386=\"\",E1386=\"Please select\"),\"-\",IF(E1386=1,(SUMIF(I1390:I1390,\"No\",Q1390:Q1390)*12),IF(E1386=2,(SUMIF(I1390:I1391,\"No\",Q1390:Q1391)*12),IF(E1386=3,(SUMIF(I1390:I1392,\"No\",Q1390:Q1392)*12),IF(E1386=4,(SUMIF(I1390:I1393,\"No\",Q1390:Q1393)*12),IF(E1386=5,(SUMIF(I1390:I1394,\"No\",Q1390:Q1394)*12),IF(E1386=6,(SUMIF(I1390:I1395,\"No\",Q1390:Q1395)*12),IF(E1386=7,(SUMIF(I1390:I1396,\"No\",Q1390:Q1396)*12),IF(E1386=8,(SUMIF(I1390:I1397,\"No\",Q1390:Q1397)*12),IF(E1386=9,(SUMIF(I1390:I1398,\"No\",Q1390:Q1398)*12),IF(E1386=10,(SUMIF(I1390:I1399,\"No\",Q1390:Q1399)*12),IF(E1386=11,(SUMIF(I1390:I1400,\"No\",Q1390:Q1400)*12),IF(E1386=12,(SUMIF(I1390:I1401,\"No\",Q1390:Q1401)*12),IF(E1386=13,(SUMIF(I1390:I1402,\"No\",Q1390:Q1402)*12),IF(E1386=14,(SUMIF(I1390:I1403,\"No\",Q1390:Q1403)*12),IF(E1386=15,(SUMIF(I1390:I1404,\"No\",Q1390:Q1404)*12),\"-\"))))))))))))))))+V1406,\"-\")","v":"-"},null,null,null,null,{"$f":"SUM(V1390:V1405)","v":0},{"$f":"SUM(W1390:W1405)","v":0},{"$f":"SUM(X1390:X1405)","v":0},{"$f":"SUM(Y1390:Y1405)","v":0}]
[null,null,null,null,"New Total Liabilities",null,null,null,{"$f":"Y1406","v":0},null,null,"New Annual Loan Repayments",null,null,null,null,{"$f":"IFERROR(IF(AND(E1386=\"\",E1386=\"Please select\"),\"-\",IF(E1386=1,(SUM(Q1390:Q1390)*12),IF(E1386=2,(SUM(Q1390:Q1391)*12),IF(E1386=3,(SUM(Q1390:Q1392)*12),IF(E1386=4,(SUM(Q1390:Q1393)*12),IF(E1386=5,(SUM(Q1390:Q1394)*12),IF(E1386=6,(SUM(Q1390:Q1395)*12),IF(E1386=7,(SUM(Q1390:Q1396)*12),IF(E1386=8,(SUM(Q1390:Q1397)*12),IF(E1386=9,(SUM(Q1390:Q1398)*12),IF(E1386=10,(SUM(Q1390:Q1399)*12),IF(E1386=11,(SUM(Q1390:Q1400)*12),IF(E1386=12,(SUM(Q1390:Q1401)*12),IF(E1386=13,(SUM(Q1390:Q1402)*12),IF(E1386=14,(SUM(Q1390:Q1403)*12),IF(E1386=15,(SUM(Q1390:Q1404)*12),\"-\")))))))))))))))),\"-\")","v":"-"}]
[]
[]
[null,null,null,"Financial Summary"]
[]
[null,null,null,"Income Source","Income",null,null,null,"Average\n(Year to Year)","% Change"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Business Entity"]
[null,null,1,{"$f":"IF(E18>0,IF(E690<>\"\",E690,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E18>0,$E18<>\"\",$E18<>\"Please Select\"),IF(E720<>\"\",E720,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E18>0,$E18<>\"\",$E18<>\"Please Select\"),IF(G720<>\"\",G720,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(OR(E1416=\"-\",G1416=\"-\"),\"-\",AVERAGE(E1416:H1416))","v":"-"},{"$f":"IFERROR(IF(OR(E1416=\"-\",G1416=\"-\"),\"-\",((G1416/E1416)-1)),\"-\")","v":"-"}]
[null,null,2,{"$f":"IF(E18>1,IF(E724<>\"\",E724,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E18>1,$E18<>\"\",$E18<>\"Please Select\"),IF(E754<>\"\",E754,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E18>1,$E18<>\"\",$E18<>\"Please Select\"),IF(G754<>\"\",G754,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(OR(E1417=\"-\",G1417=\"-\"),\"-\",AVERAGE(E1417:H1417))","v":"-"},{"$f":"IFERROR(IF(OR(E1417=\"-\",G1417=\"-\"),\"-\",((G1417/E1417)-1)),\"-\")","v":"-"}]
[null,null,3,{"$f":"IF(E18>2,IF(E758<>\"\",E758,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E18>2,$E18<>\"\",$E18<>\"Please Select\"),IF(E788<>\"\",E788,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E18>2,$E18<>\"\",$E18<>\"Please Select\"),IF(G788<>\"\",G788,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,4,{"$f":"IF(E18>3,IF(E792<>\"\",E792,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E18>3,$E18<>\"\",$E18<>\"Please Select\"),IF(E822<>\"\",E822,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E18>3,$E18<>\"\",$E18<>\"Please Select\"),IF(G822<>\"\",G822,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,5,{"$f":"IF($E$18>4,IF(E826<>\"\",E826,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$18>4,$E$18<>\"\",$E$18<>\"Please Select\"),IF(E856<>\"\",E856,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$18>4,$E$18<>\"\",$E$18<>\"Please Select\"),IF(G856<>\"\",G856,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,6,{"$f":"IF($E$18>5,IF(E860<>\"\",E860,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$18>5,$E$18<>\"\",$E$18<>\"Please Select\"),IF(E890<>\"\",E890,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$18>5,$E$18<>\"\",$E$18<>\"Please Select\"),IF(G890<>\"\",G890,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,7,{"$f":"IF($E$18>6,IF(E894<>\"\",E894,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$18>6,$E$18<>\"\",$E$18<>\"Please Select\"),IF(E924<>\"\",E924,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$18>6,$E$18<>\"\",$E$18<>\"Please Select\"),IF(G924<>\"\",G924,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,8,{"$f":"IF($E$18>7,IF(E928<>\"\",E928,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$18>7,$E$18<>\"\",$E$18<>\"Please Select\"),IF(E958<>\"\",E958,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$18>7,$E$18<>\"\",$E$18<>\"Please Select\"),IF(G958<>\"\",G958,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,9,{"$f":"IF($E$18>8,IF(E962<>\"\",E962,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$18>8,$E$18<>\"\",$E$18<>\"Please Select\"),IF(E992<>\"\",E992,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$18>8,$E$18<>\"\",$E$18<>\"Please Select\"),IF(G992<>\"\",G992,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,10,{"$f":"IF($E$18>9,IF(E996<>\"\",E996,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$18>9,$E$18<>\"\",$E$18<>\"Please Select\"),IF(E1026<>\"\",E1026,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$18>9,$E$18<>\"\",$E$18<>\"Please Select\"),IF(G1026<>\"\",G1026,\"-\"),\"-\")","v":"-"},null,"-","-"]
[]
[null,null,null,"Individual/Sole Trader"]
[null,null,1,{"$f":"IF(E19>0,IF(E1030<>\"\",E1030,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>0,$E19<>\"\",$E19<>\"Please Select\"),IF(E1056<>\"\",E1056,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>0,$E19<>\"\",$E19<>\"Please Select\"),IF(G1056<>\"\",G1056,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(OR(E1428=\"-\",G1428=\"-\"),\"-\",AVERAGE(E1428:H1428))","v":"-"},{"$f":"IF(OR(E1428=\"-\",G1428=\"-\"),\"-\",((G1428/E1428)-1))","v":"-"}]
[null,null,2,{"$f":"IF(E19>1,IF(E1060<>\"\",E1060,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>1,$E19<>\"\",$E19<>\"Please Select\"),IF(E1086<>\"\",E1086,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>1,$E19<>\"\",$E19<>\"Please Select\"),IF(G1086<>\"\",G1086,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,3,{"$f":"IF(E19>2,IF(E1090<>\"\",E1090,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>2,$E19<>\"\",$E19<>\"Please Select\"),IF(E1116<>\"\",E1116,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>2,$E19<>\"\",$E19<>\"Please Select\"),IF(G1116<>\"\",G1116,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,4,{"$f":"IF(E19>3,IF(E1120<>\"\",E1120,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>3,$E19<>\"\",$E19<>\"Please Select\"),IF(E1146<>\"\",E1146,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>3,$E19<>\"\",$E19<>\"Please Select\"),IF(G1146<>\"\",G1146,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,5,{"$f":"IF($E$19>4,IF(E1150<>\"\",E1150,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>4,$E19<>\"\",$E19<>\"Please Select\"),IF(E1176<>\"\",E1176,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>4,$E19<>\"\",$E19<>\"Please Select\"),IF(G1176<>\"\",G1176,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,6,{"$f":"IF($E$19>5,IF(E1180<>\"\",E1180,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>5,$E19<>\"\",$E19<>\"Please Select\"),IF(E1206<>\"\",E1206,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>5,$E19<>\"\",$E19<>\"Please Select\"),IF(G1206<>\"\",G1206,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,7,{"$f":"IF($E$19>6,IF(E1210<>\"\",E1210,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>6,$E19<>\"\",$E19<>\"Please Select\"),IF(E1236<>\"\",E1236,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>6,$E19<>\"\",$E19<>\"Please Select\"),IF(G1236<>\"\",G1236,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,8,{"$f":"IF($E$19>7,IF(E1240<>\"\",E1240,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>7,$E19<>\"\",$E19<>\"Please Select\"),IF(E1266<>\"\",E1266,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>7,$E19<>\"\",$E19<>\"Please Select\"),IF(G1266<>\"\",G1266,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,9,{"$f":"IF($E$19>8,IF(E1270<>\"\",E1270,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>8,$E19<>\"\",$E19<>\"Please Select\"),IF(E1296<>\"\",E1296,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>8,$E19<>\"\",$E19<>\"Please Select\"),IF(G1296<>\"\",G1296,\"-\"),\"-\")","v":"-"},null,"-","-"]
[null,null,10,{"$f":"IF($E$19>9,IF(E1300<>\"\",E1300,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E19>9,$E19<>\"\",$E19<>\"Please Select\"),IF(E1326<>\"\",E1326,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E19>9,$E19<>\"\",$E19<>\"Please Select\"),IF(G1326<>\"\",G1326,\"-\"),\"-\")","v":"-"},null,"-","-"]
[]
[null,null,null,"Rental Property"]
[null,null,1,{"$f":"IF(E1330>0,IF(D1334<>\"\",D1334,\"-\"),\"-\")","v":"-"},{"$f":"IF(AND($E$1330>0,$E$1330<>\"\",$E$1330<>\"Please select\"),IF(AND(K1334<>\"\",E1334=\"Existing\"),K1334,\"-\"),\"-\")","v":"-"},null,{"$f":"IF(AND($E$1330>0,$E$1330<>\"\",$E$1330<>\"Please select\"),IF(AND(K1334<>\"\",OR(E1334=\"Existing\",E1334=\"New\")),K1334,\"-\"),\"-\")","v":"-"},null,{"$f":"IFERROR(IF(OR(E1440<>0,G1440<>0),AVERAGE(E1440:H1440),\"-\"),\"-\")","v":"-"},{"$f":"IFERROR(IF(OR(E1440<>0,G1440<>0),((G1440/E1440)-1),\"-\"),\"-\")","v":"-"}]
[null,null,2,{"$f":"IF(E1330>1,IF(D1335<>\"\",D1335,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,3,{"$f":"IF(E1330>2,IF(D1336<>\"\",D1336,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,4,{"$f":"IF(E1330>3,IF(D1337<>\"\",D1337,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,5,{"$f":"IF(E1330>4,IF(D1338<>\"\",D1338,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,6,{"$f":"IF(E1330>5,IF(D1339<>\"\",D1339,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,7,{"$f":"IF(E1330>6,IF(D1340<>\"\",D1340,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,8,{"$f":"IF(E1330>7,IF(D1341<>\"\",D1341,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,9,{"$f":"IF(E1330>8,IF(D1342<>\"\",D1342,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,10,{"$f":"IF(E1330>9,IF(D1343<>\"\",D1343,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,11,{"$f":"IF(E1330>10,IF(D1344<>\"\",D1344,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,12,{"$f":"IF(E1330>11,IF(D1345<>\"\",D1345,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,13,{"$f":"IF(E1330>12,IF(D1346<>\"\",D1346,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,14,{"$f":"IF(E1330>13,IF(D1347<>\"\",D1347,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[null,null,15,{"$f":"IF(E1330>14,IF(D1348<>\"\",D1348,\"-\"),\"-\")","v":"-"},"-",null,"-",null,"-","-"]
[]
[null,null,null,null,"Income",null,null,null,"Average\n(Year to Year)","% Change"]
[null,null,null,null,"Previous Year",null,"Current Year"]
[]
[null,null,null,"Total Income",{"$f":"IF(J12=\"Please select\",\"-\",IF(J12=\"\",\"-\",SUM(E1416:F1454)))","v":0},null,{"$f":"IF(J12=\"Please select\",\"-\",IF(J12=\"\",\"-\",SUM(G1416:H1454)))","v":0},null,{"$f":"IFERROR(IF(OR(E1459<>0,G1459<>0),AVERAGE(E1459:H1459),\"-\"),\"-\")","v":"-"},{"$f":"IFERROR(IF(OR(E1459<>0,G1459<>0),((G1459/E1459)-1),\"-\"),\"-\")","v":"-"}]
[null,null,null,"Total Commitment",{"$f":"Q1406","v":"-"},null,{"$f":"Q1407","v":"-"},null,{"$f":"IFERROR(IF(OR(E1460<>0,G1460<>0),AVERAGE(E1460:H1460),\"-\"),\"-\")","v":"-"},{"$f":"IFERROR(IF(OR(E1460<>0,G1460<>0),((G1460/E1460)-1),\"-\"),\"-\")","v":"-"}]
[null,null,null,"Net Position",{"$f":"IFERROR(E1459-E1460,\"-\")","v":"-"},null,{"$f":"IFERROR(G1459-G1460,\"-\")","v":"-"},null,{"$f":"IFERROR(IF(OR(E1461<>0,G1461<>0),AVERAGE(E1461:H1461),\"-\"),\"-\")","v":"-"},{"$f":"IFERROR(IF(OR(E1461<>0,G1461<>0),((G1461/E1461)-1),\"-\"),\"-\")","v":"-"}]
[]
[]
[null,null,null,"Income/Expense Adjustments"]
[]
[null,null,null,"No. Of Adjustments *","Please Select",null,null,null,"No. of Projections","Please Select"]
[]
[null,null,null,"Adjustment Type *","Description *",null,null,null,"Adjustment after Tax *","Frequency *","Annualised Adjustment"]
[]
[null,null,1,null,null,null,null,null,null,null,{"$f":"IF(OR(I1470=\"\",J1470=\"\"),\"-\",(I1470*VLOOKUP(J1470,Frequency_Rate,2,FALSE)))","v":"-"}]
[null,null,2,null,null,null,null,null,null,null,"-"]
[null,null,3,null,null,null,null,null,null,null,"-"]
[null,null,4,null,null,null,null,null,null,null,"-"]
[null,null,5,null,null,null,null,null,null,null,"-"]
[null,null,6,null,null,null,null,null,null,null,"-"]
[null,null,7,null,null,null,null,null,null,null,"-"]
[null,null,8,null,null,null,null,null,null,null,"-"]
[null,null,9,null,null,null,null,null,null,null,"-"]
[null,null,10,null,null,null,null,null,null,null,"-"]
[null,null,11,null,null,null,null,null,null,null,"-"]
[null,null,12,null,null,null,null,null,null,null,"-"]
[null,null,13,null,null,null,null,null,null,null,"-"]
[null,null,14,null,null,null,null,null,null,null,"-"]
[null,null,15,null,null,null,null,null,null,null,"-"]
[null,null,16,null,null,null,null,null,null,null,"-"]
[null,null,17,null,null,null,null,null,null,null,"-"]
[null,null,18,null,null,null,null,null,null,null,"-"]
[null,null,19,null,null,null,null,null,null,null,"-"]
[null,null,20,null,null,null,null,null,null,null,"-"]
[null,null,1,"Projection 1",{"$f":"IF(E1503<>\"\",E1503,\"-\")","v":"-"},null,null,null,"-",{"$f":"IF(E1513<>\"\",E1513,\"-\")","v":"-"},{"$f":"IF(E1528<>\"\",E1528,\"-\")","v":"-"}]
[null,null,2,"Projection 2",{"$f":"IF(E1532<>\"\",E1532,\"-\")","v":"-"},null,null,null,"-",{"$f":"IF(E1542<>\"\",E1542,\"-\")","v":"-"},{"$f":"IF(E1557<>\"\",E1557,\"-\")","v":"-"}]
[]
[null,null,null,"Financial Summary - Adjusted","Adjusted",null,"Total",null,"% Change","Adj - Debt Service Cover","Adj - Risk Grade"]
[]
[null,null,null,"Income",{"$f":"SUMIF(D1470:D1489,\"Income\",K1470:K1489)+SUM(K1490:K1491)","v":0},null,{"$f":"IFERROR(E1495+G1459,\"-\")","v":0},null,{"$f":"IFERROR(IF(OR(E1495<>0,G1495<>0),((E1495/G1495)),\"-\"),\"-\")","v":"-"}]
[null,null,null,"Expense",{"$f":"SUMIF(D1470:D1489,\"Expense\",K1470:K1489)","v":0},null,{"$f":"IFERROR(E1496,\"-\")","v":0}]
[null,null,null,"Commitment","-",null,{"$f":"IFERROR(G1460,\"-\")","v":"-"}]
[null,null,null,"Net Position",{"$f":"E1495-E1496","v":0},null,{"$f":"IFERROR(G1495-G1496-G1497,\"-\")","v":"-"},null,{"$f":"IFERROR(IF(OR(E1498<>0,G1498<>0),((E1498/G1498)),\"-\"),\"-\")","v":"-"},{"$f":"IFERROR(IF(E1498=0,\"-\",(G1495-G1496)/G1460),\"-\")","v":"-"},{"$f":"IF(J1498=\"-\",\"-\",IF(J1498>3,\"Very Low\",IF(OR(J1498>1.5,J1498=3),\"Low\",IF(OR(J1498>=1,J1498>=1.5),\"Medium\",IF(OR(J1498>0.5,J1498>1),\"High\",IF(J1498<=0.5,\"Very High\",\"-\"))))))","v":"-"}]
[]
[]
[null,null,null,"Projection 1"]
[]
[null,null,1,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1505<>\"\",J1503=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income",null,{"$f":"IF(AND(E1513=\"\",OR(E1514<>\"\",E1514<>0,E1515<>\"\",E1515<>0)),\"Please select frequency\",\"\")","v":""},null,{"$f":"IF(E1523<>0,\"Provide other addback details\",\"\")","v":""}]
[]
[null,null,null,"Date of Financials *",null,null,"Comments",null,"Provide details of assumptions made for the projections"]
[]
[null,null,null,"Type of Financials *"]
[]
[null,null,null,"Income Frequency *"]
[null,null,null,"Income before Tax *"]
[null,null,null,"Expenses"]
[null,null,null,"Taxable Income",{"$f":"IFERROR(IF(OR(J1505=\"Company\",J1505=\"Small Business\"),(E1514-E1515)*(VLOOKUP(E1513,Frequency_Rate,2,FALSE)),IF(OR(J1505=\"Individual\",J1505=\"Trust\",J1505=\"Partnership\",J1505=\"Sole Trader\"),(E1514*(VLOOKUP(E1513,Frequency_Rate,2,FALSE))-E1515),\"-\")),\"-\")","v":"-"}]
[null,null,null,"Calculated Tax  ",{"$f":"IFERROR(\nIF(\nIF(OR(J1505=\"Company\",J1505=\"Small Business\"),E1516*(VLOOKUP(J1505,Lookups!$M$11:$N$12,2,FALSE))*Lookups!$BJ$1,IF(OR(J1505=\"Trust\",J1505=\"Partnership\",J1505=\"Individual\",J1505=\"Sole Trader\"),VLOOKUP(E1516,Lookups!$AF$3:$AJ$7,3,TRUE)+(E1516-VLOOKUP(E1516,Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(E1516,Lookups!$AE$3:$AJ$8,3,TRUE)+(IF(E1516<Lookups!$AG$10,0,(E1516*Lookups!$AH$10))),\"-\"))<1,0,\n\nIF(OR(J1505=\"Company\",J1505=\"Small Business\"),E1516*(VLOOKUP(J1505,Lookups!$M$11:$N$12,2,FALSE))*Lookups!$BJ$1,IF(OR(J1505=\"Trust\",J1505=\"Partnership\",J1505=\"Individual\",J1505=\"Sole Trader\"),VLOOKUP(E1516,Lookups!$AF$3:$AJ$7,3,TRUE)+(E1516-VLOOKUP(E1516,Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(E1516,Lookups!$AE$3:$AJ$8,3,TRUE)+(IF(E1516<Lookups!$AG$10,0,(E1516*Lookups!$AH$10))),\"-\"))),\n\n0)","v":"-"},null,null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(J1505=\"Company\",J1505=\"Small Business\"),E1516*(VLOOKUP(J1505,Lookups!$M$11:$N$12,2,FALSE))*Lookups!$BJ$1,IF(OR(J1505=\"Trust\",J1505=\"Partnership\",J1505=\"Individual\",J1505=\"Sole Trader\"),VLOOKUP(E1516,Lookups!$AF$3:$AJ$7,3,TRUE)+(E1516-VLOOKUP(E1516,Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(E1516,Lookups!$AE$3:$AJ$8,3,TRUE)+(IF(E1516<Lookups!$AG$10,0,(E1516*Lookups!$AH$10))),\"-\")),\"-\")","v":"-"}]
[null,null,null,"Income after Tax",{"$f":"IFERROR(E1516-E1517,\"-\")","v":"-"}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1520:E1523)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Income",{"$f":"IFERROR(IF(OR(J1505=\"Company\",J1505=\"Small Business\"),(E1518+E1524)*(E1526/100),IF(OR(J1505=\"Trust\",J1505=\"Partnership\",J1505=\"Individual\",J1505=\"Sole Trader\"),((E1518+E1524)*(E1526/100)),\"-\")),\"-\")","v":"-"}]
[]
[null,null,null,"Projection 2"]
[]
[null,null,2,"Customer Name *",null,null,null,null,"Customer Status *"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E1534<>\"\",J1532=\"\"),\"You must select a Customer Status\",\"\")","v":""}]
[null,null,null,"Customer Number *",null,null,null,null,"Customer Type *"]
[]
[null,null,null,null,"Income",null,{"$f":"IF(AND(E1542=\"\",OR(E1543<>\"\",E1543<>0,E1544<>\"\",E1544<>0)),\"Please select frequency\",\"\")","v":""},null,{"$f":"IF(E1552<>0,\"Provide other addback details\",\"\")","v":""}]
[]
[null,null,null,"Date of Financials *",null,null,"Comments",null,"Provide details of assumptions made for the projections"]
[]
[null,null,null,"Type of Financials *"]
[]
[null,null,null,"Income Frequency *"]
[null,null,null,"Income before Tax *"]
[null,null,null,"Expenses"]
[null,null,null,"Taxable Income",{"$f":"IFERROR(IF(OR(J1534=\"Company\",J1534=\"Small Business\"),(E1543-E1544)*(VLOOKUP(E1542,Frequency_Rate,2,FALSE)),IF(OR(J1534=\"Individual\",J1534=\"Trust\",J1534=\"Partnership\",J1534=\"Sole Trader\"),(E1543*(VLOOKUP(E1542,Frequency_Rate,2,FALSE))-E1544),\"-\")),\"-\")","v":"-"}]
[null,null,null,"Calculated Tax  ",{"$f":"IFERROR(\nIF(\nIF(OR(J1534=\"Company\",J1534=\"Small Business\"),E1545*(VLOOKUP(J1534,Lookups!$M$11:$N$12,2,FALSE))*Lookups!$BJ$1,IF(OR(J1534=\"Trust\",J1534=\"Partnership\",J1534=\"Individual\",J1534=\"Sole Trader\"),VLOOKUP(E1545,Lookups!$AF$3:$AJ$7,3,TRUE)+(E1545-VLOOKUP(E1545,Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(E1545,Lookups!$AE$3:$AJ$8,3,TRUE)+(IF(E1545<Lookups!$AG$10,0,(E1545*Lookups!$AH$10))),\"-\"))<1,0,\n\nIF(OR(J1534=\"Company\",J1534=\"Small Business\"),E1545*(VLOOKUP(J1534,Lookups!$M$11:$N$12,2,FALSE))*Lookups!$BJ$1,IF(OR(J1534=\"Trust\",J1534=\"Partnership\",J1534=\"Individual\",J1534=\"Sole Trader\"),VLOOKUP(E1545,Lookups!$AF$3:$AJ$7,3,TRUE)+(E1545-VLOOKUP(E1545,Lookups!$AF$3:$AJ$8,1,TRUE))*VLOOKUP(E1545,Lookups!$AE$3:$AJ$8,3,TRUE)+(IF(E1545<Lookups!$AG$10,0,(E1545*Lookups!$AH$10))),\"-\"))),\n0)","v":"-"},""]
[null,null,null,"Income after Tax",{"$f":"IFERROR(E1545-E1546,\"-\")","v":"-"}]
[null,null,null,"Add backs"]
[null,null,null,"Depreciation"]
[null,null,null,"Interest Expenses"]
[null,null,null,"Leasing Interest"]
[null,null,null,"Other Add back"]
[null,null,null,"Total Add backs",{"$f":"SUM(E1549:E1552)","v":0}]
[]
[null,null,null,"Shareholding (%) *"]
[null,null,null,"Note: Enter 100% for sole shareholder"]
[null,null,null,"Total Income",{"$f":"IFERROR(IF(OR(J1534=\"Company\",J1534=\"Small Business\"),(E1547+E1553)*(E1555/100),IF(OR(J1534=\"Trust\",J1534=\"Partnership\",J1534=\"Individual\",J1534=\"Sole Trader\"),(E1547+E1553)*(E1555/100),\"-\")),\"-\")","v":"-"}]

{"sheet":"Security","index":2,"n_rows":48,"n_cols":24,"rows_kept":48,"cut":false,"hidden":false,"merged":[[1,1,4,18],[7,3,7,17],[17,6,17,12],[17,16,17,17],[18,6,18,12],[18,16,18,17],[9,3,9,17],[13,13,14,17],[15,6,15,12],[15,16,15,17],[5,8,5,9],[14,3,14,12],[11,8,11,10],[11,11,11,12],[12,18,14,18],[19,6,19,12],[19,16,19,17],[20,6,20,12],[20,16,20,17],[21,6,21,12],[21,16,21,17],[22,6,22,12],[22,16,22,17],[23,6,23,12],[23,16,23,17],[24,6,24,12],[24,16,24,17],[25,6,25,12],[25,16,25,17],[26,6,26,12],[26,16,26,17],[27,6,27,12],[27,16,27,17],[32,16,32,17],[33,6,33,12],[33,16,33,17],[28,6,28,12],[28,16,28,17],[29,6,29,12],[29,16,29,17],[30,6,30,12],[30,16,30,17],[1,19,2,25],[39,12,39,13],[39,15,39,16],[15,4,15,5],[38,3,38,6],[38,12,38,13],[38,15,38,16],[34,6,34,12],[34,16,34,17],[35,6,35,12],[35,16,35,17],[36,6,36,12],[36,16,36,17],[31,6,31,12],[31,16,31,17],[32,6,32,12]]}
[]
[null,"FINANCIAL INPUTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"hide these columns"]
[]
[]
[]
[null,null,null,"Version:",null,null,{"$f":"'Financial Inputs'!E6","v":4.5999999999999996},null,"Date Modified:",null,{"$f":"'Financial Inputs'!I6","v":"2025-04-07"}]
[]
[null,null,null,"SECURITY"]
[]
[null,null,null,"Security/ies",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Information Requirements'!B4='Dropdown Menu'!AK3,\"Yes\",\"No\")","v":"No"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L12+P12","v":0}]
[null,null,null,null,null,null,null,null,"Existing NAB Secured Lending *",null,null,null,null,null,"Proposed NAB New Lending *",null,{"$f":"IF(AND(Lookups!AA2=\"Yes\",S11>S16),\"Pause, talk to your BDM\",\"\")","v":""},null,null,"this is to calc the min security rank",{"$f":"SUM(V12:X12)","v":0},{"$f":"S16","v":0},{"$f":"SUM(W18:W37)","v":0},{"$f":"SUM(X18:X37)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fast Track LVR\n(hide on release)"]
[null,null,null,"No. Of Securities *",null,null,1,null,null,null,null,null,null,"Not all lending automatically qualifies at the $ amount reflected as Bank Value."]
[null,null,null,"Important: Please enter data for all mandatory fields marked as *"]
[null,null,null,"Security Type *",{"$f":"IF(Lookups!AA2=\"No\",\"Postcode\n(not required)\",\"Postcode\n(Enter only for Residential security)\")","v":"Postcode\n(not required)"},null,"Security Subtype *",null,null,null,null,null,null,"Residual Market Value","BV(%)","Bank Value","Bank Value of 'Other' Security",null,{"$f":"SUM(S18:S37)","v":0},{"$f":"MIN(T18:T37)","v":0},null,"LVR adv","Comm","Resi"]
[]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Total Bank Value of Securities",null,null,{"$f":"(SUMIFS(P18:P37,D18:D37,\"<>Other\"))+(SUMIF(D18:D37,Other,Q18:R37))","v":0},null,null,"LBVR",{"$f":"IFERROR(S11/P39,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Total Market Value of Securities",null,null,{"$f":"IF(V10=\"Yes\",SUM(N18:N37),SUM(N18:N37))","v":0},null,null,null,{"$f":"IFERROR((S11-S16)/P40,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIFS('Financial Inputs'!J1390:J1404,'Financial Inputs'!I1390:I1404,\"=Yes\")","v":0}]
[]
[]
[]
[]
[]
[]
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[null,null,null,"PRE-QUALIFYING TOOL"]
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[null,null,null,"Net Worth Ratio (Risk Adjusted)",null,null,null,null,{"$f":"IF(G127=\"-\",\"-\",VLOOKUP(G127,Lookups!$Z$21:$AB$26,3,TRUE))","v":"-"},null,null,null,{"$f":"UPPER(IF(L128<>\"\",L128,IF(AND(L128=\"\",K128<>\"\"),K128,IF(AND(L128=\"\",K128=\"\",J128<>\"\"),J128,I128))))","v":"-"},null,null,null,null,null,"SOP calc based on only total asset value"]
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[null,null,null,"Commentary"]
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[null,null,null,null,null,null,"Purpose",null,{"$f":"UPPER(I82)","v":"-"},{"$f":"IF(J82<>\"\",J82,\"\")","v":""},{"$f":"IF(K82<>\"\",K82,\"\")","v":""},"",{"$f":"M82","v":"-"}]
[]
[null,null,null,null,null,null,"Serviceability",null,{"$f":"UPPER(I105)","v":"-"},{"$f":"IF(J105<>\"\",J105,\"\")","v":""},{"$f":"IF(K105<>\"\",K105,\"\")","v":""},"",{"$f":"M105","v":"-"}]
[]
[null,null,null,null,null,null,"Statement of Position",null,{"$f":"UPPER(I128)","v":"-"},{"$f":"IF(J128<>\"\",J128,\"\")","v":""},{"$f":"IF(K128<>\"\",K128,\"\")","v":""},"",{"$f":"M128","v":"-"}]
[]
[null,null,null,null,null,null,"Security",null,{"$f":"UPPER(I151)","v":"-"},{"$f":"IF(J151<>\"\",J151,\"\")","v":""},{"$f":"IF(K151<>\"\",K151,\"\")","v":""},"",{"$f":"M151","v":"-"}]
[]
[]
[null,null,null,"Overall Risk Grade"]
[null,null,null,null,null,null,null,null,{"$f":"UPPER(IF(AND(I82<>\"-\",I105<>\"-\",I128<>\"-\",I151<>\"-\",I82<>\"\",I105<>\"\",I128<>\"\",I151<>\"\"),'MSBCA Calculator 2'!D72,\"-\"))","v":"-"},{"$f":"IF(OR(I186=\"HIGH\",I186=\"VERY HIGH\"),\"PLEASE DISCUSS FURTHER WITH BDM\",IF(OR(I186=\"\",I186=\"-\"),\"\",\"Meets pre-qualifying criteria\"))","v":""},null,null,{"$f":"IF(AND(I186=\"-\",OR(M176=\"-\",M178=\"-\",M180=\"-\",M182=\"-\")),\"-\",UPPER('MSBCA Calculator 2'!H72))","v":"-"}]
[]
[]
[]
[]
[null,null,null,"NAB USE ONLY"]
[]
[null,null,null,{"$f":"IF(Lookups!AA2=\"Yes\",\"Is the eCRS rating 19 or worse\",\"Is the eCRS rating 21 or worse\")","v":"Is the eCRS rating 21 or worse"},null,null,"Please select","< Select applicable dropdown",null,null,{"$f":"IF(M186<>\"-\",\"Save Worksheet as: 'MSBCA - Aggregation Number - Submission Number'. Attach to eBL as a credit memorandum.\",\"\")","v":""}]
[null,null,null,"Is there an adverse credit",null,null,{"$f":"IF(OR(I55=\"High\", I55=\"Very High\",M55=\"High\",M55=\"Very High\"),\"Yes\",\"No\")","v":"No"}]
[null,null,null,"Is DSC less than 1x ?",null,null,{"$f":"IF(OR(M105=\"High\", M105=\"Very High\"), \"Yes\",\"No\")","v":"No"},null,{"$f":"IF(AND(G197=\"Yes\",Lookups!AA2=\"Yes\"),\"Yes\",\"No\")","v":"No"}]
[null,null,null,"Are ATO Arrears requirements outside Banker DCA per LEN020?",null,null,"Please Select"]
[null,null,null,{"$f":"IF(Lookups!AA2=\"Yes\",\"BAS less than Gross Sales by 20%?\",\"\")","v":""},null,null,"Please select",null,{"$f":"IF(OR(G193=\"Yes\",G194=\"Yes\",G195=\"Yes\",I195=\"Yes\",G196=\"Yes\"),\"Care: escalation to Level 3 DCA is required\",\"\")","v":""}]
[]
[]
[]
[]
[null,null,null,"Additional Commentary"]
[null,null,null,"-"]
[]
[null,null,null,"-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S211=IF(OR(I174=\"HIGH\",I174=\"VERY HIGH\"),\"The Borrower risk grade is: \"&I174&\". \n\",\"\")","v":true}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(I176=\"HIGH\",I176=\"VERY HIGH\"),\"The Purpose risk grade is: \"&I176&\". \n\",\"\")","v":""}]
[null,null,null,"-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(I178=\"HIGH\",I178=\"VERY HIGH\"),\"The Serviceability risk grade is: \"&I178&\". \n\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(I180=\"HIGH\",I180=\"VERY HIGH\"),\"The Statement of Position risk grade is: \"&I180&\". \n\",\"\")","v":""}]
[null,null,null,"-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(I182=\"HIGH\",I182=\"VERY HIGH\"),\"The Security risk grade is: \"&I182&\". \n\",\"\")","v":""}]
[]
[null,null,null,"-"]
[]
[]
[null,null,null,null,"When you complete a Pre-Qualifying Worksheet, the Worksheet will inform you whether or not an application, based on the information set out in the worksheet, would meet NAB qualifying criteria for the facility to which the information relates.  It is not an approval for that facility.  NAB will consider approving a facility only after considering the information provided in a formal application for that facility."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence "]

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[null,null,"Facilities",null,null,null,null,null,null,"Volume Facilities",null,null,"Financials",null,null,"Property",null,null,null,"Home Loan Interest rate Loading",null,null,null,null,"Facilities (switcheable with Fast Track)",null,null,null,null,null,"Taxable income",null,null,null,null,"Volume Entities",null,null,"Start","End","Tax on this income",null,null,null,null,"Medicare Levy",null,"Rate",null,null,null,null,null,null,null,"Business Entity Assumed Tax Rate",null,0.3,null,null,null,0.3]
[null,null,"Name","Years","Rate","Interest Only","Loading","Business Lending Facility",null,"Volume",null,null,"Type",null,null,"Rental Type",null,null,null,"Hl No.","Cust. Entered Rate","With 3.0% Loading",null,null,"Is the submission Fast Track",null,{"$f":"IF('Information Requirements'!B4='Dropdown Menu'!AK4,\"Yes\",\"No\")","v":"No"},null,null,null,"Start","End","Tax on this income",null,null,"Volume",null,null,0,18200,{"$f":"IF($AF$10=\"Exclude\",AG3,AG3+$AH$10)","v":0},0,null,null,null,0,21335,0]
[30,null,"Home Loan",30,5.7500000000000002E-2,"No",0,"N",null,0,null,null,"Tax Returns",null,null,"New",null,null,null,"HL 1",{"$f":"'Financial Inputs'!P1390","v":0},{"$f":"(U3+0.03)","v":0.03},null,null,"What is the min Security Type?",null,{"$f":"IF(ISERROR(VLOOKUP(Security!T16,'Security LBVR LookUP Table'!G18:H20,2,FALSE)),\"\",VLOOKUP(Security!T16,'Security LBVR LookUP Table'!G18:H20,2,FALSE))","v":"Commercial"},null,null,null,0,1,0,0,null,0,null,null,{"$f":"AN2+1","v":18201},45000,{"$f":"IF($AF$10=\"Exclude\",AG5,AG5+$AH$10)","v":0.16},{"$f":"(AN3-AM3)*AO3","v":4287.84},null,null,null,{"$f":"AU2+0.01","v":21335.01},26668,0.1,{"$f":"\" on the difference between actual income and \"&TEXT(AT3,\"$0,000.00\")","v":" on the difference between actual income and $21,335.01"},null,null,null,null,null,null,null,null,null,null,"Property Rental Expense","New",0.2]
[7,null,"Personal Loan",7,0.1565,"No",0,"N",null,1,null,null,"Management",null,null,"Existing",null,null,null,"HL 2",{"$f":"'Financial Inputs'!P1391","v":0},{"$f":"(U4+0.03)","v":0.03},null,null,null,null,null,null,null,null,0,18200,0,0,null,1,null,null,45001,120000,{"$f":"IF($AF$10=\"Exclude\",AG6,AG6+$AH$10)","v":0.3},{"$f":"((AN4-AM4)*AO4)+AP3","v":26787.54},null,null,null,{"$f":"AU3+0.01","v":26668.01},null,0.02,"on everything",null,null,null,null,null,null,null,null,null,null,"Property Rental Expense","Existing",0.2]
[30,null,"Bus - (Cat. A-D) - Term, OD - 15 years",15,7.85E-2,"No",0,"Y",null,2,null,1,"Account. Prep",null,null,null,null,null,null,"HL 3",{"$f":"'Financial Inputs'!P1392","v":0},0.03,null,null,null,null,null,null,null,null,{"$f":"AF4+1","v":18201},45000,0.16,{"$f":"(AF5-AE5)*AG5","v":4287.84},null,2,null,null,120001,180000,{"$f":"IF($AF$10=\"Exclude\",AG7,AG7+$AH$10)","v":0.37},{"$f":"((AN5-AM5)*AO5)+AP4","v":48987.17}]
[15,null,"Bus - (Cat. E-J) - Term, OD - 10 years",10,7.85E-2,"No",0,"Y",null,3,null,1,"Projected",null,null,null,null,null,null,"HL 4",{"$f":"'Financial Inputs'!P1393","v":0},0.03,null,null,null,null,null,null,null,null,45001,135000,0.3,{"$f":"((AF6-AE6)*AG6)+AH5","v":31287.54},null,3,null,null,{"$f":"AN5+1","v":180001},null,{"$f":"IF(AF11=\"Exclude\",IF($AF$10=\"Exclude\",AG8,AG8+$AH$10),IF($AF$10=\"Exclude\",AG8,AG8+$AH$10)+AH11)","v":0.45}]
[10,null,"Bus Options Loan (P&I ≤ 30 years)",null,7.85E-2,"No",null,"Y",null,4,null,2,"Annualised",null,null,null,null,null,null,"HL 5",{"$f":"'Financial Inputs'!P1394","v":0},0.03,null,null,"Name","Default Years","Commercial","Residential","Selection",null,{"$f":"AF6+1","v":135001},190000,0.37,{"$f":"((AF7-AE7)*AG7)+AH6","v":51637.17},null,4]
[null,null,"Fast Track BOL (Interest Only) - Residential",30,7.85E-2,"No",null,"Y",null,5,null,null,null,null,null,null,null,null,null,"HL 6",{"$f":"'Financial Inputs'!P1395","v":0},0.03,null,null,"Home Loan",30,{"$f":"Z8","v":30},{"$f":"Z8","v":30},{"$f":"IF(AND($AA$2=\"Yes\",$AA$3=$AA$7),AA8,Z8)","v":30},null,{"$f":"AF7+1","v":190001},null,0.45]
[5,null,"Fast Track BOL (Interest Only) - Commercial",20,7.85E-2,"No",null,"Y",null,6,null,null,null,null,null,null,null,null,null,"HL 7",{"$f":"'Financial Inputs'!P1396","v":0},0.03,null,null,"Personal Loan",7,{"$f":"Z9","v":7},{"$f":"Z9","v":7},7]
[15,null,"Equipment Finance (New/Existing)",5,0,"No",null,"N",null,7,null,null,"Structure",null,null,"Funding Calculator",null,null,null,"HL 8",{"$f":"'Financial Inputs'!P1397","v":0},0.03,null,null,"Bus Lending - Term, OD - Fully Secured Residential",30,30,30,30,null,"Medicare Levy Low","Exclude",22801,0.1,null,"BAS Variance",-0.2]
[15,null,"Equipment Finance (Undrawn Revolving Lease Limit)",5,9.7500000000000003E-2,"No",0,"N",null,8,null,null,"Company",1,null,"Property Purchase",null,null,null,"HL 9",{"$f":"'Financial Inputs'!P1398","v":0},0.03,null,null,"Bus Lending - Term, OD, CC - Fully Secured Commerical / Other",15,20,15,{"$f":"IF(AND($AA$2=\"Yes\",$AA$3=$AA$7),AA11,Z11)","v":15},null,"Medicare Levy High","Exclude",28501,0.02]
[1,null,"International",15,6.4999999999999997E-3,"Yes",0,"Y",null,9,null,null,"Small Business",{"$f":"0.25/BF1","v":0.83333333333333337},null,"Business Purchase",null,null,null,"HL 10",{"$f":"'Financial Inputs'!P1399","v":0},0.03,null,null,"Bus Lending - Term, OD, CC - Partially Secured / Unsecured",10,15,10,{"$f":"IF(AND($AA$2=\"Yes\",$AA$3=$AA$7),AA12,Z12)","v":10}]
[null,null,"Margin Lending",15,6.4999999999999997E-3,"Yes",0,"Y",null,10,null,null,"Trust",0,null,"Refinance",null,null,null,"HL 11",{"$f":"'Financial Inputs'!P1400","v":0},0.03,null,null,"Leasing (Existing)",null,null,null,0]
[0,null,"Business/Personal Credit Card/Personal O'draft",1,3.7999999999999999E-2,"Yes",0,"N",null,11,null,null,"Partnership",0,null,null,null,null,null,"HL 12",{"$f":"'Financial Inputs'!P1401","v":0},0.03,null,null,"Leasing (New/Undrawn)",5,{"$f":"Z14","v":5},5,5]
[null,null,"Other Debt",0,0,"No",null,"Y",null,12,null,null,null,null,null,null,null,null,null,"HL 13",{"$f":"'Financial Inputs'!P1402","v":0},0.03,null,null,"International",15,{"$f":"Z15","v":15},15,15]
[null,null,"Bank Guarantee (Cat. A-D)",30,9.7500000000000003E-2,"No",null,"N",null,13,null,null,null,null,null,null,null,null,null,"HL 14",{"$f":"'Financial Inputs'!P1403","v":0},0.03,null,null,"Margin Lending",15,15,15,15]
[null,null,"Bank Guarantee (Cat. E-J)",10,9.7500000000000003E-2,"No",null,"N",null,14,null,null,null,null,null,null,null,null,null,"HL 15",{"$f":"'Financial Inputs'!P1404","v":0},0.03,null,null,"Personal Credit Card",1,1,1,1]
[null,null,"QuickBiz Term Loan",15,0,"No",null,"N",null,15,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Debt",0,0,0,0]
[null,null,"NAB Flex Flow Loan",1,0,"No",null,"N",null,null,null,null,null,null,null,null,null,null,null,"Need to control the selection of interest type, based on the following parameters"]
[null,null,"BOL IO/Combination Loan (Cat. A-D Residential)",30,7.85E-2,"No",0,"Y"]
[null,null,"BOL IO/Combination Loan (Cat. A-D Comm/Other)",15,7.85E-2,"No",0,"Y",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NWR","DSC","Outcome"]
[null,null,"BOL IO/Combination Loan (Cat. E-J)",10,7.85E-2,"No",0,"Y",null,null,null,null,"Frequency",null,null,null,null,null,null,"Worst Case LCC",{"$f":"VLOOKUP(category,'Security LBVR LookUP Table'!D2:E11,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"IF(U22<5,\"Yes\",IF(U22=5,\"No\",\"\"))","v":{"$error":"#N/A"}},null,null,null,0,0,"Very High"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Frequency",null,null,null,null,null,null,null,null,null,null,null,null,1.0009999999999999,0.501,"High"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",52,null,null,null,null,null,"Interest Type",null,"Int Type Cat A-D","Int Type Cat E","Int_Type_Fast_Track",null,1.2509999999999999,1.0009999999999999,"Medium"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",26,null,null,null,null,null,"Interest_Type_All",null,null,null,null,null,1.5009999999999999,1.5009999999999999,"Low"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",12,null,null,null,null,null,null,null,null,null,null,null,2.0009999999999999,3.0009999999999999,"Very Low"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Annual",1,null,null,null,null,null,"P&I",null,"P&I","P&I",{"$f":"IF(ISERROR($U$33),T27,IF(category=\"-\",OFFSET(U33,0,$U$33),IF($V$22=\"Yes\",V27,IF(W27=\"\",\"\",W27))))","v":"P&I"},null,null,"-","-"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IO",null,"IO",null,{"$f":"IF(IF(ISERROR($U$33),T28,IF(category=\"-\",OFFSET(U34,0,$U$33),IF($V$22=\"Yes\",V28,IF(W28=\"\",\"\",W28))))=0,\"\",IF(ISERROR($U$33),T28,IF(category=\"-\",OFFSET(U34,0,$U$33),IF($V$22=\"Yes\",V28,IF(W28=\"\",\"\",W28)))))","v":"IO"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Line of Credit",null,null,null,{"$f":"IF(ISERROR($U$33),T29,\"\")","v":"Line of Credit"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Times Interest Cover",1.5,null,null,null,null,null,null,"Interest_Type_All",null,null,null,null,3.1,{"$f":"VLOOKUP(Z31,AA22:AB26,2,TRUE)","v":"Very Low"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Int_Type_Fast_Track"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP('Financial Inputs'!#REF!,Lookups!C5:L7,8,FALSE)","v":{"$error":"#REF!"}},"P&I","P&I",{"$f":"OFFSET(U33,0,$U$33)","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IO",null,{"$f":"OFFSET(U34,0,$U$33)","v":{"$error":"#REF!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"People earning below or equal to $21,335 do not pay the Medicare Levy;",null,null,21335]
[null,null,null,null,null,null,null,null,null,null,null,null,"People earning between $21,335.01 and $26,668 pay partial Medicare Levy; and"]
[null,null,null,null,null,null,null,null,null,null,null,null,"People earning over $26,668 need to pay the full 2% levy."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Messages"]
[null,null,"Pause, talk to your BDM"]

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["MSBCA","Borrower",null,null,null,null,null,null,null,null,null,null,null,null,null,"Purpose",null,null,"Serviceability",null,null,"SOP",null,null,"Security",null,null,"Security",null,"Borrower",null,null,"Select Industry List",null,null,null,null,null,null,"Loan Purposes for Info Req"]
["Risk Band","Time in Industry",null,"Bank accounts Conduct",null,"Statutory Payments",null,null,null,"Financial management",null,null,null,"Credit History",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Time In Business",null,null,"Please Select"," ","Please Select (no Fast Track)"," ","Please Select (with Fast Track)"," "]
[" - ","Please select","-","Please select","-","Please select","-",null,null,"Please select","-",null,null,"Please select","-",null,null,null,null,null,null,null,null,null,null,null,null,"-","-","Please select","-",null,{"$f":"IF($AG$33=\"No\",AI3,AK3)","v":"New and/or Increased Lending – up to $2 million aggregated business lending"},{"$f":"IF(IF($AG$33=\"No\",AJ3,AL3)=0,\"\",IF($AG$33=\"No\",AJ3,AL3))","v":""},"New and/or Increased Lending – up to $2 million aggregated business lending",null,"New and/or Increased Lending – up to $1 million aggregated business lending"," ",null,"Please select loan purpose","Fast Track available","My Bank"]
["Very Low","New to Industry","Very High","Current arrears/excess of >$2k with no arrangement made with banker","Very High","ATO not lodged and/or no arrangements are in place","Very High",null,null,"No financial information is available.\nNo accountant prepared financials.\nBusiness insolvent/under administration/clearly in distress.","High",null,null,"Adverse credit check (unpaid defaults, judgements).\nCurrent NAB eCRS is above 21","Very High","Please select loan purpose"," - ","Value","<= 0.5 x","Very High",null,"< 1.0x","Very High",null,null,null,null,"A","Low",{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AD11,'Dropdown Menu'!AD17)","v":"Business operating 10+ years"},{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AE11,'Dropdown Menu'!AE17)","v":"Very Low"},null,"Interest or Fees Capitalisation",{"$f":"IF(IF($AG$33=\"No\",AJ4,AL4)=0,\"\",IF($AG$33=\"No\",AJ4,AL4))","v":"Pause, Discuss with BDM"},"Interest or Fees Capitalisation","Pause, Discuss with BDM","Fast Track (<= $1 million)","",null,"Working Capital","No",{"$f":"IF($AH$34=\"No\",\"No\",AO4)","v":"No"}]
["Low","Less than 1 year","High"," - Bank accounts have history of excesses or arrears\n- Current arrears <$2k\n- Excess / arrears is within arrangement made with banker","High","Arrangements in place with ATO for outstanding payments","High",null,null,"Financials are prepared by accountant and up to date.\nUses proven accounting system and a registered accountant.","Medium",null,null,"Adverse Credit Check but defaults are paid","High","Working Capital","Medium","No","0.5  > 1 x","High",null,"1.0x>=1.25x","High",null,"Cat E - J","High",null,"B","Low",{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AD12,'Dropdown Menu'!AD18)","v":"Business operating 5+ years"},{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AE12,'Dropdown Menu'!AE18)","v":"Low"},null,"Dental Practice","Pause, Discuss with BDM","Dental Practice","Pause, Discuss with BDM","Interest or Fees Capitalisation","Pause, Discuss with BDM",null,"Working Capital - Simple Trade Finance (accredited brokers only)","No",{"$f":"IF($AH$34=\"No\",\"No\",AO5)","v":"No"}]
["Medium"," 1+ years","Medium","Bank accounts have no excesses over the past 6 months","Medium","- ATO  payments are lodged\n- ATO  payments are up to date","Medium",null,null,"Financial data is regularly monitored through preparation of management reports.\nInternal accountant / bookkeeper used.\nFinancials are prepared by accountant and up to date.","Low",null,null,"Clear Credit Check","Medium","Working Capital - Simple Trade Finance (accredited brokers only)","Medium","No","1 >=1.5 x","Medium",null,"+1.25x>=1.5 x","Medium",null,"Cat C/D","Medium",null,"C","Medium",{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AD13,'Dropdown Menu'!AD19)","v":"Business operating 1-5 years"},{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AE13,'Dropdown Menu'!AE19)","v":"Medium"},null,"General Medical Practice","Pause, Discuss with BDM","General Medical Practice","Pause, Discuss with BDM","Dental Practice","Pause, Discuss with BDM",null,"Refinance owner occupied (excl. comm investment/ development)","No",{"$f":"IF($AH$34=\"No\",\"No\",AO6)","v":"No"}]
["High"," 5+ years","Low",null,"Low",null,"Low",null,null,null,null,null,null,null,"Low","Refinance owner occupied (excl. comm investment/ development)","Medium","No","1.5>=3 x","Low",null,"+1.5x>=2x","Low",null,"Cat A/B","Low",null,"D","Medium",{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AD14,'Dropdown Menu'!AD20)","v":"Business operating < 1 year"},{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AE14,'Dropdown Menu'!AE20)","v":"High"},null,"Construction Companies ","Pause, Discuss with BDM","Construction Companies ","Pause, Discuss with BDM","General Medical Practice","Pause, Discuss with BDM",null,"Buy Business/Fund Renovations to Business","No","No"]
["Very High","10+ years","Very Low",null,"Very Low",null,"Very Low",null,null,null,null,null,null,null,"Very Low","Buy Business or Fund Renovations to Business","Medium","Yes",">3 x","Very Low",null,">2.0 x","Very Low",null,null,null,null,"E","Medium",{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AD15,'Dropdown Menu'!AD21)","v":"Start-up business"},{"$f":"IF(Lookups!$AA$2=\"Yes\",'Dropdown Menu'!AE15,'Dropdown Menu'!AE21)","v":"Very High"},null,"Home Builders","Pause, Discuss with BDM","Home Builders","Pause, Discuss with BDM","Construction Companies ","Pause, Discuss with BDM",null,"Purchase Asset – Owner Occupied Property / Other Assets","No","No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Purchase Asset – Owner Occupied Property/Equipment Finance","Medium","Yes",null,null,null,null,null,null,null,null,null,"F","High",null,null,null," Hotels","Pause, Discuss with BDM"," Hotels","Pause, Discuss with BDM","Home Builders","Pause, Discuss with BDM",null,"Purchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property","No",{"$f":"IF($AH$34=\"No\",\"No\",AO9)","v":"No"}]
["Broker tool lookups",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Purchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property","Medium","Yes",null,null,null,null,null,null,null,null,null,"G","High","Fast Track",null,null," Housing Co-operatives","Pause, Discuss with BDM"," Housing Co-operatives","Pause, Discuss with BDM"," Hotels","Pause, Discuss with BDM",null,"Purchase Asset – Equipment Finance","No","No"]
["NWR","Risk Grade","Convert",null,"TEST",null,null,"Structure",null,"LVR Gate",null,null,null,null,null,"Debt Restructure","High","No",null,null,null,null,null,null,null,null,null,"H","High","Business operating 10+ years","Very Low",null," Professional Equity Partners","Pause, Discuss with BDM"," Professional Equity Partners","Pause, Discuss with BDM"," Housing Co-operatives","Pause, Discuss with BDM",null,"Debt Restructure","No","No"]
[2,"Very Low","Yes",null,"A",null,null,null,null,0.7,null,null,null,null,null,"To Address Unexpected Cash Shortfall / Slow Paying Debtors","High","No",null,null,null,null,null,null,null,null,null,"I","High","Business operating 5+ years","Low",null,"Self Managed Superannuation Funds"," ","Self Managed Superannuation Funds"," "," Professional Equity Partners","Pause, Discuss with BDM",null,"Funding to address unexpected cash shortfall and/or slow-paying debtors","No","No"]
[1.5,"Low","Yes",null,"B",null,null,null,null,null,null,null,null,null,null,"Debt Consolidation to Manage Financial Distress","Very High","No",null,null,null,null,null,null,null,null,null,"J","High","Business operating 2-5 years","Medium",null," Accounting Industry","Pause, Discuss with BDM"," Accounting Industry","Pause, Discuss with BDM","Self Managed Superannuation Funds"," ",null,"Debt consolidation to manage financial distress","No","No"]
[1.25,"Medium","Yes",null,"C",null,null,null,null,null,null,null,null,null,null,"Refinance Debt to Manage Financial Distress","Very High","No",null,null,null,null,null,null,null,null,null,null,null,"Business operating 1 - 2 years","Medium",null," Financial Planning Industry","Pause, Discuss with BDM"," Financial Planning Industry","Pause, Discuss with BDM"," Accounting Industry","Pause, Discuss with BDM",null,"Refinance debt to manage financial distress","No","No"]
[1,"High","Discuss with BDM",null,"D",null,null,null,null,null,null,null,null,null,null,"Clearing ATO Arrears","Very High","Yes",null,null,null,null,null,null,null,null,null,"Cat E",null,"Startup or Business operating < 1 Year","Very High",null," Franchising Sector  (Accredited Brand Franchisee)","Pause, Discuss with BDM"," Franchising Sector  (Accredited Brand Franchisee)","Pause, Discuss with BDM"," Financial Planning Industry","Pause, Discuss with BDM",null,"Clearing ATO arrears","No","No"]
[{"$f":"'Pre-qualifying Tool'!G127","v":"-"},"Very High","Discuss with BDM",null,null,null,null,null,null,null,null,null,null,null,null,"Loan Amount",{"$f":"VLOOKUP('Financial Inputs'!J10,P5:Q15,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,"Fast Track","Medium","Normal",null,null," Mining Industry and Mining Services","Pause, Discuss with BDM"," Mining Industry and Mining Services","Pause, Discuss with BDM"," Franchising Sector  (Accredited Brand Franchisee)","Pause, Discuss with BDM",null,"SMSF Commercial Property Purchase","No","No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"All Other","High","Business operating 10+ years","Very Low",null," Pharmacy Industry","Pause, Discuss with BDM"," Pharmacy Industry","Pause, Discuss with BDM"," Mining Industry and Mining Services","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business operating 5+ years","Low"," 1 Year"," Real Estate Industry","Pause, Discuss with BDM"," Real Estate Industry","Pause, Discuss with BDM"," Pharmacy Industry","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business operating 1-5 years","Medium",null," Residential Aged Care Industry","Pause, Discuss with BDM"," Residential Aged Care Industry","Pause, Discuss with BDM"," Real Estate Industry","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business operating < 1 year","High",null," Roman Catholic Church","Pause, Discuss with BDM"," Roman Catholic Church","Pause, Discuss with BDM"," Residential Aged Care Industry","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Start-up business","Very High",null," Uniting Church","Pause, Discuss with BDM"," Uniting Church","Pause, Discuss with BDM"," Roman Catholic Church","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Veterinary Industry","Pause, Discuss with BDM"," Veterinary Industry","Pause, Discuss with BDM"," Uniting Church","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAB Microenterprise Loans","Pause, Discuss with BDM","NAB Microenterprise Loans","Pause, Discuss with BDM"," Veterinary Industry","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Environmental Risk and the Nuclear Industry","Pause, Discuss with BDM","Environmental Risk and the Nuclear Industry","Pause, Discuss with BDM","NAB Microenterprise Loans","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Lending","Pause, Discuss with BDM","Property Lending","Pause, Discuss with BDM","Environmental Risk and the Nuclear Industry","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stratum Titles","Pause, Discuss with BDM","Stratum Titles","Pause, Discuss with BDM","Property Lending","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Management Rights - Qld","Pause, Discuss with BDM","Management Rights - Qld","Pause, Discuss with BDM","Stratum Titles","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"," ","Other"," ","Management Rights - Qld","Pause, Discuss with BDM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF($AG$33=\"No\",AI29,AK29)=0,\"\",IF($AG$33=\"No\",AI29,AK29))","v":""},"",null,null,"Other"," "]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AH33=\"No\",\"No\",IF(ISERROR(VLOOKUP('Information Requirements'!A6,'Dropdown Menu'!AG37:AG43,1,FALSE)),\"No\",\"Yes\"))","v":"No"},{"$f":"IF(ISERROR(VLOOKUP('Information Requirements'!B3,AN4:AO16,2,FALSE)),\"No\",VLOOKUP('Information Requirements'!B3,AN4:AO16,2,FALSE))","v":"No"},"this shows if fast track is enabled"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fast Track - Yes or No",{"$f":"IF('Information Requirements'!B4='Dropdown Menu'!AK4,\"Yes\",\"No\")","v":"No"},"this shows if fast track is selected"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valid BUIDs"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,420353213]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["No. of …","Cust / prop / Sec","Non-ind Ent","Ind Ent","Cash Drivers","Fin types","Frequency","Assets","Owner Type","Transaction Type"]
[]
[]
["Please Select","New","Company","Individual ",null,"Accountant prepared","Weekly","Property (Residential)","Individual/Sole Trader","Existing Consumer Tran Only Customer, New Lend"]
[1,"Existing","Small Business","Sole Trader","Sales/Revenue","Tax returns","Fortnightly","Property (Commercial)","Business","Existing Business Tran Only Customer, New Lend"]
[2,null,"Trust",null,"Gross Margin","Management","Monthly","Cash & Cash Equivalent",null,"New to Bank Customer, New Lend"]
[3,null,"Partnership",null,"Operating Expenses","Projected","Annual","Motor Vehicle",null,"New to Bank Customer, Refinancing to NAB"]
[4,null,"Individual",null,"Accounts Receivable","Annualised",null,"Investments\n (Shares, Managed Funds)",null,"Existing (Split Bankg) Customer, Refinancing to NAB"]
[5,null,"Sole Trader",null,"Accounts Payable",null,null,"Plant & Machinery",null,"Existing NAB Customer, Increasing their (NAB) Lending"]
[6,null,null,null,"Inventory",null,null,"Inventory",null,"Start-Up Business (Existing/NtB)"]
[7,null,null,null,"Capital Expenditure",null,null,"Debtors/Account Receivable",null,"Commercial Property Investment, PAYG Customer (outside Fast Track)"]
[8,null,null,null,null,null,null,"Prepaid Expenses",null,"New to Bank Customer, Purchasing a Business"]
[9,null,null,null,null,null,null,null,null,"Existing NAB Customer, Purchasing a Business"]
[10,null,null,null,null,null,null,null,null,"New to Bank Customer, Purchasing Commercial Property"]
[11,null,null,null,null,null,null,null,null,"Existing NAB Customer, Purchasing Commercial Property"]
[12,null,null,null,null,null,null,null,null,"Equipment Finance (outside Matrix)"]
[13,null,null,null,null,null,null,null,null,"Cash-Secured GBB"]
[14,null,null,null,null,null,null,null,null,"Commercial Card (in conjunction with other BL products) *CCDT applies for standalone"]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25]
[]
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[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
[null,"Auto",null,"Man",null,"Man",null,"Man"]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[null,"Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[null,"Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
[]
[]
[]
["Aphanumeric","Auto",null,"Man",null,"Man",null,"Man"]
[]
[]
[]
[]
[]
[null,"Auto",null,"Auto",null,"Auto",null,"Auto"]

{"sheet":"Security LBVR LookUP Table","index":6,"n_rows":65,"n_cols":29,"rows_kept":65,"cut":false,"hidden":true,"merged":[]}
["LBVR Table",null,null,"Cat","Val","Security Type","Security Ranking","Commercial","Debentures","Deposit","Licence","Residential","Rural","Other","Guarantee_Commercial","Guarantee_Debentures","Guarantee_Deposit","Guarantee_License","Guarantee_Residential","Guarantee_Rural",null,null,null,null,"Security Type","Security Subtype","Security subtype 2","BV","Fast Track LVR"]
["Security",null,null,"A",1,"Commercial",0,"Cluster (QLD) & community titles (NSW, QLD & SA)","Debentures","Term Deposit","Taxi Licences","Cluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): broadacre)","Other","Cluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Debentures","Term Deposit","Taxi Licences","Cluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): broadacre)",null,null,null,{"$f":"Y2&Z2","v":"CommercialCluster (QLD) & community titles (NSW, QLD & SA)"},"Commercial","Cluster (QLD) & community titles (NSW, QLD & SA)","Commercial",0.7,0.8]
[1E-4,"A","Very Low","B",2,"Debentures",4,"Commercial & industrial property (Lease term is 50 years or more)",null,null,null,"Hamilton Island (Structures 1 & 2 Hamilton Island residential properties)","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 1 (nut and wine grape production))",null,"Commercial & industrial property (Lease term is 50 years or more)",null,null,null,"Hamilton Island (Structures 1 & 2 Hamilton Island residential properties)","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 1 (nut and wine grape production))",null,null,null,{"$f":"Y3&Z3","v":"CommercialCommercial & industrial property (Lease term is 50 years or more)"},"Commercial","Commercial & industrial property (Lease term is 50 years or more)","if the remaining lease term is 50 years or more",0.7,0.8]
[0.30001,"B","Low","C",3,"Deposit",4,"Commercial and industrial property (Lease term is between 25 & 50 years)",null,null,null,"Residential Crown Leashold (owner occupied or non-owner occupied (investment), excluding inner city apartments)","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 2 (all other rural specialised properties))",null,"Commercial and industrial property (Lease term is between 25 & 50 years)",null,null,null,"Residential Crown Leashold (owner occupied or non-owner occupied (investment), excluding inner city apartments)","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 2 (all other rural specialised properties))",null,null,null,"CommercialCommercial and industrial property (Lease term is between 25 & 50 years)","Commercial","Commercial and industrial property (Lease term is between 25 & 50 years)","if the lease term is between 25 and 50 years",0.5,0]
[0.70001000000000002,"C","Medium","D",4,"Licence",4,"Commercial property freehold",null,null,null,"Residential Crown Leashold (non-owner occupied inner city apartments)","Rural property freehold (Broadacre)",null,"Commercial property freehold",null,null,null,"Residential Crown Leashold (non-owner occupied inner city apartments)","Rural property freehold (Broadacre)",null,null,null,"CommercialCommercial property freehold","Commercial","Commercial property freehold",null,0.7,0.8]
[0.85000100000000001,"D","Medium","E",5,"Residential",1,"Hotels (non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease)",null,null,null,"Residential property freehold (excluding non-owner occupied inner city apartments)","Rural property freehold (specialised type 1 (nut and wine grape production))",null,"Hotels (non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease)",null,null,null,"Residential property freehold (excluding non-owner occupied inner city apartments)","Rural property freehold (specialised type 1 (nut and wine grape production))",null,null,null,"CommercialHotels (non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease)","Commercial","Hotels (non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease)","non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease.",0.7,0]
[1.0000100000000001,"E","High","F",6,"Rural",4,"Hotels (Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis)",null,null,null,"Residential property freehold (non-owner occupied inner city apartments)","Rural property freehold (specialised type 2 (all other rural specialised properties))",null,"Hotels (Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis)",null,null,null,"Residential property freehold (non-owner occupied inner city apartments)","Rural property freehold (specialised type 2 (all other rural specialised properties))",null,null,null,"CommercialHotels (Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis)","Commercial","Hotels (Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis)","Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis.",0.7,0]
[1.3300099999999999,"F","Very High","G",7,"Other",4,"Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis: remaining lease term greater than 50 years)",null,null,null,"Serviced Apartments (Acceptable Residential Security)",null,null,"Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis: remaining lease term greater than 50 years)",null,null,null,"Serviced Apartments (Acceptable Residential Security)",null,null,null,null,"CommercialHotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis: remaining lease term greater than 50 years)","Commercial","Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis: remaining lease term greater than 50 years)","Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term greater than 50 years",0.7,0]
[1.66001,"G","Very High","H",8,"Guarantee_Commercial",0,"Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years)",null,null,null,"Strata Titles (Residential)",null,null,"Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years)",null,null,null,"Strata Titles (Residential)",null,null,null,null,"CommercialHotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years)","Commercial","Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years)","Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years",0.5,0]
[2.0000100000000001,"H","Very High","I",9,"Guarantee_Debentures",4,"Industrial property freehold",null,null,null,null,null,null,"Industrial property freehold",null,null,null,null,null,null,null,null,"CommercialIndustrial property freehold","Commercial","Industrial property freehold",null,0.7,0.8]
[4.0000099999999996,"I","Very High","J",10,"Guarantee_Deposit",4,"Serviced Apartments (Treated as commercial property for business lending products only)",null,null,null,null,null,null,"Serviced Apartments (Treated as commercial property for business lending products only)",null,null,null,null,null,null,null,null,"CommercialServiced Apartments (Treated as commercial property for business lending products only)","Commercial","Serviced Apartments (Treated as commercial property for business lending products only)","if treated as a commercial property (business lending products only)",0.7,0]
[10.00001,"J","Very High",null,null,"Guarantee_License",4,"Strata Titles (Commercial & industrial)",null,null,null,null,null,null,"Strata Titles (Commercial & industrial)",null,null,null,null,null,null,null,null,"CommercialStrata Titles (Commercial & industrial)","Commercial","Strata Titles (Commercial & industrial)","Commercial & industrial",0.7,0.8]
[null,null,null,null,null,"Guarantee_Residential",1,"Student Accommodation (on entire blocks)",null,null,null,null,null,null,"Student Accommodation (on entire blocks)",null,null,null,null,null,null,null,null,"CommercialStudent Accommodation (on entire blocks)","Commercial","Student Accommodation (on entire blocks)","on entire blocks",0.7,0]
[null,null,null,null,null,"Guarantee_Rural",4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DebenturesDebentures","Debentures","Debentures",null,0.8,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DepositTerm Deposit","Deposit","Term Deposit",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LicenceTaxi Licences","Licence","Taxi Licences",null,1E-4,1E-4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialCluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Residential","Cluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Residential",0.8,1]
[null,null,null,null,null,null,0,"Commercial",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialHamilton Island (Structures 1 & 2 Hamilton Island residential properties)","Residential","Hamilton Island (Structures 1 & 2 Hamilton Island residential properties)","Structures 1 and 2 Hamilton Island residential properties",0.8,0]
[null,null,null,null,null,null,1,"Residential",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialResidential Crown Leashold (owner occupied or non-owner occupied (investment), excluding inner city apartments)","Residential","Residential Crown Leashold (owner occupied or non-owner occupied (investment), excluding inner city apartments)","owner occupied and non-owner occupied (investment), excluding inner city apartments.",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialResidential Crown Leashold (non-owner occupied inner city apartments)","Residential","Residential Crown Leashold (non-owner occupied inner city apartments)","non-owner occupied inner city apartments",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialResidential property freehold (excluding non-owner occupied inner city apartments)","Residential","Residential property freehold (excluding non-owner occupied inner city apartments)","all residential property, excluding non-owner occupied inner city apartments",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialResidential property freehold (non-owner occupied inner city apartments)","Residential","Residential property freehold (non-owner occupied inner city apartments)","non-owner occupied inner city apartments",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialServiced Apartments (Acceptable Residential Security)","Residential","Serviced Apartments (Acceptable Residential Security)","if Acceptable Residential Security",0.8,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ResidentialStrata Titles (Residential)","Residential","Strata Titles (Residential)","Residential",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RuralRural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): broadacre)","Rural","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): broadacre)","Perpetual rural leasehold, excluding Australian Capital Territory (ACT):\nbroadacre",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RuralRural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 1 (nut and wine grape production))","Rural","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 1 (nut and wine grape production))","Perpetual rural leasehold, excluding Australian Capital Territory (ACT):\nspecialised type 1 (nut and wine grape production)",0.6,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RuralRural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 2 (all other rural specialised properties))","Rural","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 2 (all other rural specialised properties))","Perpetual rural leasehold, excluding Australian Capital Territory (ACT):\nspecialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RuralRural property freehold (Broadacre)","Rural","Rural property freehold (Broadacre)","broadacre",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RuralRural property freehold (specialised type 1 (nut and wine grape production))","Rural","Rural property freehold (specialised type 1 (nut and wine grape production))","specialised type 1 (nut and wine grape production)",0.6,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RuralRural property freehold (specialised type 2 (all other rural specialised properties))","Rural","Rural property freehold (specialised type 2 (all other rural specialised properties))","specialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"OtherOther","Other","Other","Other","Insert BV >>>"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialCluster (QLD) & community titles (NSW, QLD & SA)","Guarantee-Commercial","Cluster (QLD) & community titles (NSW, QLD & SA)","Commercial",0.7,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialCommercial & industrial property (Lease term is 50 years or more)","Guarantee-Commercial","Commercial & industrial property (Lease term is 50 years or more)","if the remaining lease term is 50 years or more",0.7,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialCommercial and industrial property (Lease term is between 25 & 50 years)","Guarantee-Commercial","Commercial and industrial property (Lease term is between 25 & 50 years)","if the lease term is between 25 and 50 years",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialCommercial property freehold","Guarantee-Commercial","Commercial property freehold",null,0.7,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialHotels (non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease)","Guarantee-Commercial","Hotels (non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease)","non-owner occupied freehold/ ACT Crown leasehold valued subject to the lease.",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialHotels (Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis)","Guarantee-Commercial","Hotels (Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis)","Owner occupied freehold/ ACT Crown leasehold when the Bank’s security does not include a charge over business assets and liquor licence – valued on a ‘vacant possession – existing use’ basis.",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialHotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis: remaining lease term greater than 50 years)","Guarantee-Commercial","Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis: remaining lease term greater than 50 years)","Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term greater than 50 years",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialHotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years)","Guarantee-Commercial","Hotels (Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years)","Crown leaseholds in all states or territories excluding ACT, valued on a ‘vacant possession – existing use’ basis:\nremaining lease term 25–50 years",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialIndustrial property freehold","Guarantee-Commercial","Industrial property freehold",null,0.7,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialServiced Apartments (Treated as commercial property for business lending products only)","Guarantee-Commercial","Serviced Apartments (Treated as commercial property for business lending products only)","if treated as a commercial property (business lending products only)",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialStrata Titles (Commercial & industrial)","Guarantee-Commercial","Strata Titles (Commercial & industrial)","Commercial & industrial",0.7,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-CommercialStudent Accommodation (on entire blocks)","Guarantee-Commercial","Student Accommodation (on entire blocks)","on entire blocks",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-DebenturesDebentures","Guarantee-Debentures","Debentures",null,0.8,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-DepositTerm Deposit","Guarantee-Deposit","Term Deposit",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-LicenseTaxi Licences","Guarantee-License","Taxi Licences",null,0.65,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialCluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Guarantee-Residential","Cluster (QLD) & community titles (NSW, QLD & SA) (Residential)","Residential",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialHamilton Island (Structures 1 & 2 Hamilton Island residential properties)","Guarantee-Residential","Hamilton Island (Structures 1 & 2 Hamilton Island residential properties)","Structures 1 and 2 Hamilton Island residential properties",0.8,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialResidential Crown Leashold (owner occupied or non-owner occupied (investment), excluding inner city apartments)","Guarantee-Residential","Residential Crown Leashold (owner occupied or non-owner occupied (investment), excluding inner city apartments)","owner occupied and non-owner occupied (investment), excluding inner city apartments.",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialResidential Crown Leashold (non-owner occupied inner city apartments)","Guarantee-Residential","Residential Crown Leashold (non-owner occupied inner city apartments)","non-owner occupied inner city apartments",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialResidential property freehold (excluding non-owner occupied inner city apartments)","Guarantee-Residential","Residential property freehold (excluding non-owner occupied inner city apartments)","all residential property, excluding non-owner occupied inner city apartments",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialResidential property freehold (non-owner occupied inner city apartments)","Guarantee-Residential","Residential property freehold (non-owner occupied inner city apartments)","non-owner occupied inner city apartments",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialServiced Apartments (Acceptable Residential Security)","Guarantee-Residential","Serviced Apartments (Acceptable Residential Security)","if Acceptable Residential Security",0.8,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-ResidentialStrata Titles (Residential)","Guarantee-Residential","Strata Titles (Residential)","Residential",0.8,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): broadacre)","Guarantee-Rural","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): broadacre)","Perpetual rural leasehold, excluding Australian Capital Territory (ACT):\nbroadacre",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 1 (nut and wine grape production))","Guarantee-Rural","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 1 (nut and wine grape production))","Perpetual rural leasehold, excluding Australian Capital Territory (ACT):\nspecialised type 1 (nut and wine grape production)",0.6,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 2 (all other rural specialised properties))","Guarantee-Rural","Rural Crown Leasehold (Perpetual rural leasehold, excluding Australian Capital Territory (ACT): specialised type 2 (all other rural specialised properties))","Perpetual rural leasehold, excluding Australian Capital Territory (ACT):\nspecialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (Broadacre)","Guarantee-Rural","Rural property freehold (Broadacre)","broadacre",0.7,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 1 (nut and wine grape production))","Guarantee-Rural","Rural property freehold (specialised type 1 (nut and wine grape production))","specialised type 1 (nut and wine grape production)",0.6,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 2 (all other rural specialised properties))","Guarantee-Rural","Rural property freehold (specialised type 2 (all other rural specialised properties))","specialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 1 (nut and wine grape production))","Guarantee-Rural","Rural property freehold (specialised type 1 (nut and wine grape production))","specialised type 1 (nut and wine grape production)",0.6,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 2 (all other rural specialised properties))","Guarantee-Rural","Rural property freehold (specialised type 2 (all other rural specialised properties))","specialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 2 (all other rural specialised properties))","Guarantee-Rural","Rural property freehold (specialised type 2 (all other rural specialised properties))","specialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 2 (all other rural specialised properties))","Guarantee-Rural","Rural property freehold (specialised type 2 (all other rural specialised properties))","specialised type 2 (all other rural specialised properties)",0.5,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guarantee-RuralRural property freehold (specialised type 2 (all other rural specialised properties))","Guarantee-Rural","Rural property freehold (specialised type 2 (all other rural specialised properties))","specialised type 2 (all other rural specialised properties)",0.5,0]

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["MSBCA Minimum Commentary Requirements    "]
["The Minimum Commentary Requirements provides you a guide as to the commentary required in the MSBCA worksheet to support the grade assigned under each of the risks within the framework. "]
["  as at 10/05/16      Please refer to the MSBCA Intranet to ensure that you are using the most up to date version of this guide "]
["The Minimum Commentary Requirements provides you a guide as to the commentary required in the MSBCA worksheet to support the grade assigned under each of the risks within the framework. \n"]
["Using the Minimum Commentary Requirements              ",null,null,"Customer Background              "]
["The minimum commentary requirements have been designed to help you with the minimum amount of commentary you need to provide to justify a risk grade. ",null,null,"•          Name of customer (borrowing entity)                                                                          •   Industry & business activities \n•   Entity Structure – Related entities, Key People, Decision Makers, Key                        Employees\n•   Year commenced in industry \n•   Year commenced in business \n•   Year relationship established with main bank & products held (New or Existing Customer) "]
["Where to enter Minimum Commentary Requirements "]
["The minimum commentary requirements are to be entered under  each of the risks within the MSBCA worksheet. "]
["Where to enter Minimum Commentary Requirements "]
["The minimum commentary requirements are to be entered under  each of the risks within the MSBCA worksheet. "]
["If you have questions or feedback please contact your Credit Consultant or People Leader.  "]
["Where Risk Mitigation is applied, additional commentary detailing the rational for the adjustment is required."]
["Refer to the  Non Standard transaction guide for additional commentary needed for transactions that represent a higher  or specific risk."]
[]
["Borrower  "]
[]
["This guide provides Bankers with key information and  guidance as to the commentary that is to be provided to support the risk grade recorded against a customer Business lending application.  "]
[]
[null,"VERY LOW ","LOW ","MEDIUM ","HIGH "," VERY HIGH "]
["Attributes ","VL ","L ","M ","H ","VH "]
["Industry Experience ","10+ years ","5+ years ","1+ years ","Less than 1 year ","New to Industry "]
[null,"Customer X has been in the X industry for X years in X roles. ",null,"Customer X started in the X industry as X after a previous role in X doing X. ","Customer X has been in the industry since X.  They started because of X after previously doing X.","Customer X is new to industry X after previously doing X."]
["Length of time in Business ","Business Operating  10+ yrs ","Business Operating 5+ yrs ","Business operating 1-5 yrs ","Business operating <1yr ","Start up Business "]
[null,"Business X has been operating since X in X location. ",null,null,"Business X has been operating since X in X location.  Business X started because of X.\n \nBusiness X has been operating since X in X location.  Business X was bought by X in X.","Business X is a new business which was started because of X.  They will provide X service/product that is different to X in the existing industry/market."]
["Bank Account Conduct ","Bank accounts have no excesses over the past 6 months ",null,null,"Bank Accounts have current arrears <$2k or excess / arrears is within arrangement  made with banker","Bank accounts have current arrears or excess of >$2k with no arrangement made  with banker"]
[null,"Customer X’s accounts are currently in order and have been for X months as per limit enquiry/guarantor information report. ",null,null,"Customers X’s accounts are currently in arrears by $X due to X.  This was  arranged/not arranged with banker prior to excess occurring and will be in order by X.  This excess was approved due to X. ","Customers X’s accounts are currently in arrears by $X due to X.  This occurred X days ago and will be in order by X.  This was arranged/not arranged with banker prior to excess occurring and customer has done X to prevent it from re-occurring."]
["Statutory Payments ","ATO  Payments are lodged and up to date ",null,null,"ATO payments are lodged with arrangements in place ","ATO payments are not lodged and/or no arrangements are in place "]
[null,"Customer has verbally confirmed that their statutory payments are currently up to date with ATO and do not need to provide documentation to confirm this due to X.   ",null,null,"Customer is currently in arrears with their ATO obligations however a plan has been negotiated with X document provided to confirm that the plan is in place and up to date.   This was originally caused by X and customer is doing X to ensure it does not happen again.","Customer is currently in arrears with their ATO obligations though non-payment/non-lodgement.  This has happened due to X and the customers plan is to do X to rectify it."]
[null,"Customer is currently up to date with ATO and this has been verified by X document dated X"]
["Financial Management ","Financials are prepared by accountant and up to date.  Financial data is regularly monitored through preparation of management reports  (eg cashflows, aged debtors/creditors).  Internal accountant / bookkeeper used .",null,"Financials are prepared by accountant and up to date.   Uses proven accounting system and a registered accountant.","No financial information is available.  Accountant prepared financials are not available.   Business is insolvent, under administration or clearly in distress ."]
[null,"Customer is able to provide X documents to verify their financial position for period X.  This information is reviewed weekly/fortnightly/monthly to monitor the business performance and has been prepared by their internal bookkeeper/accountant.",null,"Customer has provided X document to verify their financial position for X period.  The customer uses X software for their accounting and their figures were prepared by X accountant. ","Customer has only been able to present X information to verify their financial position.  This document provides X information and is relevant to the application due to X. ","No financial information is able to be provided by customer X due to X. "]
["Credit History ","Clear Credit Check  (No adverse credit check as per credit policy) ",null,null,"Adverse Credit Check but defaults are paid. ","Adverse credit check (unpaid defaults, judgements) .  Current NAB eCRS is above 21. "]
[null,"Customer Xs credit check is clear of any adverse listing and there is no evidence of excess enquiries.",null,null,"Customer X’s credit check has revealed paid default of X with X on X date.  Customer has advised that this is due to X and it was paid within X days. ","Customer X’s credit check has revealed unpaid default of X with X on X date.  Customer has advised that this is due to X and X is being done to address it."]
[null," Customer Xs credit check is clear of any adverse but there have been a number of enquiries which is due to X. "]
[null,"Customer Xs credit check shows paid defaults of X which was due to X. This was X amount on X date with X provider. "]
["Business Risks ","Customer understands the risks within their business "]
[null,"Customer has advised that the biggest risk/s to their business and industry are X. "]
["Risk Cover ","Customer has appropriate risk cover in place "]
[null,"Customer has X insurance in place to mitigate their personal/business X risk."]
[null,"Customer doesn’t have any insurance  in place and has  no interest in obtaining cover"]
[null,"Customer doesn’t have any insurance in place and has been  referred to a specialist for advice."]
[]
["Purpose  "]
[]
["This guide provides Bankers with key information and  guidance as to the commentary that is to be provided to support the risk grade recorded against a customer Business lending application.  "]
[]
[null,"VERY LOW ","LOW ","MEDIUM ","HIGH "," VERY HIGH "]
["Attributes ","VL ","L ","M ","H ","VH "]
[null,"  ","  ","Working capital ","Debt Restructure ","Debt consolidation to manage financial distress "]
[null,"  ","  ","Customer is seeking funding of $X for X that has been identified as a working capital need.  This has been driven by X cash driver.  The trend of this cash driver is X and was due to X. Funding table has been constructed as per X. Product X has been chosen due to X reason.  The term is X due to X. ","Customer X is seeking to restructure their current debt due to X from NAB/Non-NAB facilities.  This was prompted by X.  This will see $X facility X.   Funding table has been constructed as per X.  Product X has been chosen due to X reason.  The term is X due to X. ","Customer X is seeking to restructure their current debt due to X from NAB/Non-NAB facilities.  The current financial performance is stressed due to X which was prompted by X.  This will see $X facility X.   The compelling reason to \naccommodate this request is X.  Funding table has been constructed as per X and shows X benefit. Product X has been chosen due to X reason and the term is X due to X."]
[]
[null,"  ","  ","Refinance ","Funding to address unexpected cash shortfall and/or slow paying debtors ","Refinance debt to manage financial distress "]
[null,null,null,"Customer is seeking to refinance X facility from X institution.  Customer originally borrowed for X reason and is seeking to move to NAB due to X.  Funding table has been constructed as per X.  Product X has been chosen due to X reason.  The term is X due to X. ","Customer is seeking funding of $X for in X facility due to an unexpected cash shortfall.  This has been caused by X and it is expected that this will last X duration.  The customer was unaware of this shortfall due to X and it relates to X \nperformance of X cash driver.  Funding table has been constructed as per X. Product X has been chosen due to X reason and the term is X due to X. ","Customer is seeking to refinance X facility from X institution.  Customer originally borrowed for X reason and is seeking to move to NAB due to X.  Application with current financier was unable to be completed due to X.  The compelling reason to continue with this transaction is X.  Funding table has been constructed as per X. Product X has been chosen due to X reason.  The term is X due to X. "]
[null,null,null,null,"Customer is seeking funding of $X for in X facility due to slow paying debtors.  Normal terms are X and X customer/s have not met this arrangement.  The history of X customer is X.  It is expected that the monies will be collected by X.  The customer was unable to see this issue coming due to X.  Funding table has been constructed as per X. Product X has been chosen due to X reason and the term is X due to X. \n"]
[null,null,null,null,"  "]
[null,"  ","  ","Buy Business or Fund Renovations to business ","  ","Clearing ATO Arrears "]
[null,null,null,"Customer is seeking funding for X purchase/renovation.   The motivation for this is X and it will have the effect of X.  The risk of doing this is X and the benefits of doing it are X.  Funding table has been constructed as per X.   Product X has been chosen due to X reason.  The term is X due to X. ",null,"Customer X is seeking $X to payout ATO arrears.  A payment plan could not be secured due to X but the transaction is worth our support due to X.  Funding table has been constructed as per X.  Product X has been chosen due to X reason.  The term is X due to X. "]
[]
[null,"  ","  ","Finance/Purchase of any asset ","  ","  "]
[null,null,null,"Customer is seeking to purchase X asset.  The asset will be used for X and is new/replacement.  Funding table has been constructed as per X.  Product X has been chosen due to X reason.  The term of the loan is X due to <lease term/X> ."]
[]
[]
["Serviceability  "]
[]
["This guide provides Bankers with key information and  guidance as to the commentary that is to be provided to support the risk grade recorded against a customer Business lending application.  "]
[]
[null,"VERY LOW ","LOW ","MEDIUM ","HIGH "," VERY HIGH "]
[null,"VL ","L ","M ","H ","VH "]
[null,"Debt Servicing Cover Ratio is >3.01 x ","Debt Servicing Cover Ratio is 1.51>=3.0 x ","Debt Servicing Cover is Ratio is 1.01 >=1.50 x ","Debt Servicing Cover Ratio is 0.51  > 1.0x ","Debt Servicing Cover Ratio is <= 0.50 x "]
[null,"The debt servicing cover ratio was calculated as X using X documents.   ",null,null,"The debt servicing cover ratio was calculated as X using X documents.   ","The debt servicing cover ratio was calculated as X using X documents.   "]
[null,"  ",null,null,"  ","  "]
[null,"AND ",null,null,"AND ","AND "]
[null,"  ",null,null,"  ","  "]
[null,"Concentration Risk ",null,null,"Concentration Risk ","Concentration Risk "]
[null,"This is considered normal performance for customer and there is no concentration risk for suppliers or customers.",null,null,"This is considered normal performance for customer and there is no concentration risk for suppliers or customers. ","This is considered normal performance for customer and there is no concentration risk for suppliers or customers. "]
[null,"   There is a supplier/customer concentration risk of over 25% due to X which is mitigated by X. ",null,null,"There is a supplier/customer concentration risk of over 25% due to X which is mitigated by X. ","There is a supplier/customer concentration risk of over 25% due to X which is mitigated by X. "]
[null,"  ",null,null,"  ","  "]
[null,"Performance ",null,null,"Performance ","Performance "]
[null,"Performance is considered normal with no commentary needed.                                                                                                                                                                       ",null,null,"Performance is considered normal with no commentary needed. ","Performance is considered normal with no commentary needed. "]
[null,"This performance was due to X and is not considered normal performance.  Normal performance would be X ",null,null,"This performance was due to X and is not considered normal performance.  Normal performance would be X ","This performance was due to X and is not considered normal performance.  Normal performance would be X "]
[null,"  ",null,null,"  ","  "]
[null,"Seasonality ",null,null,"Seasonality ","Seasonality "]
[null,"The customers trading cycle is not considered seasonal. ",null,null,"The customers trading cycle is not considered seasonal. ","The customers trading cycle is not considered seasonal. "]
[null,"The customer experiences X in their income on a seasonal basis which has X effect. ",null,null,"The customer experiences X in their income on a seasonal basis which has X effect. ","The customer experiences X in their income on a seasonal basis which has X effect. "]
[null,"  ",null,null,"  ","  "]
[null,"  ",null,null,"Asset Sale ","Asset Sale "]
[null,".   ",null,null,"Asset sale of X will reduce debt and bring the DSC to X. ","Asset sale of X will reduce debt and bring the DSC to X. "]
[null,null,null,null,"  "," "]
[null,null,null,null,"Assumptions ","Assumptions "]
[null,null,null,null,"This was based on X assumptions and changes of X to the customers income/expenses position.  ","This was based on X assumptions and changes of X to the customers income/expenses position.  "]
[]
[null,null,null,null,null,"  "]
["Statement of Position  "]
["This guide provides Bankers with key information and  guidance as to the commentary that is to be provided to support the risk grade recorded against a customer Business lending application.  "]
[]
[null,"VERY LOW ","LOW ","MEDIUM ","HIGH "," VERY HIGH "]
[null,"VL ","L ","M ","H","VH"]
[null,"Net Worth Ratio (Risk Adjusted) is >2.01x ","Net Worth Ratio (Risk Adjusted) is 1.51x >= 2.0x ","Net Worth Ratio (Risk Adjusted) is +1.26x>=1.50 x ","Net Worth Ratio (Risk Adjusted) is 1.01x >= 1.25x ","Net Worth Ratio (Risk Adjusted) is < 1.0x "]
[null,"Customer’s personal/business SoP has been used to calculate a ratio of X.  This includes X main assets of material value that are confirmed by X that could be readily sold in the current market. The ratio and dollar value of these assets & liabilities is an appropriate representation of the customers risk position. ",null,null,"Customer’s personal/business SoP has been used to calculate a ratio of X.  This includes X main assets of material value that are confirmed by X that could be readily sold in the current market.  This ratio is considered X for the customer’s life stage/life events. ","Customer’s personal/business SoP has been used to calculate a ratio of X.  This includes X main assets of material value that are confirmed by X that could be readily sold in the current market. This ratio is considered X for the customer’s life stage/life events and the dollar value of these assets and liabilities is an appropriate/nonappropriate representation of the customer’s position. "]
[null,null,null,null,"Customer’s personal/business SoP has been used to calculate a ratio of X.  This includes X main assets of material value that are confirmed by X that could be readily sold in the current market. The dollar value of these assets & liabilities is an appropriate/non-appropriate representation of the customer’s position. "]
[]
[]
["Security"]
["This guide provides Bankers with key information and  guidance as to the commentary that is to be provided to support the risk grade recorded against a customer Business lending application.  "]
[]
[null,"VERY LOW ","LOW ","MEDIUM ","HIGH "," VERY HIGH "]
["Attributes ","VL ","L ","M ","H ","VH"]
["Non Commercial Real Estate","  ","Lending Category A, B  ","Lending Category C,D,E","Lending Category  F, G, H, I , J "]
["Commercial Real Estate","  ","Lending Category A, B  ","Lending Category C,D ","Lending Category  E, F, G, H, I , J "]
[null,null,"Security will be Lending Category X with structure \nX proposed.  There is no risk factors within the valuation of these securities that require comment.","Security will be Lending Category X with structure X proposed.  There are no risk factors within valuation of these securities that require comment.  It is expected that the facilities will be category D by X."]
[null,null,"Security will be Lending Category X with structure \nX proposed.  There is no risk factors within the valuation of these securities that require comment however X has been noted as a concentration risk for our securities. ","Security will be Lending Category X with structure X proposed.  Valuation has identified X risk factors which are mitigated by X.  It is expected that the facilities will be category D by X "]

{"sheet":"Change Log","index":8,"n_rows":101,"n_cols":9,"rows_kept":101,"cut":false,"hidden":true,"merged":[]}
["No","Date","Version","Tab","Change Requested","Requestor","Approver","Implementor","Implemented"]
[1,"2016-09-29",1,"ALL","Design"]
[2,"2016-10-11",1,"ALL","Feedback from Brokers during first round of testing","N/A","N/A"]
[3,"2017-01-24",1,"Financial Inputs","Allow for Actual Repayment to be incorporated when the facility is Leasing. Change calc in Q1390 to be ...,IF(OR(D1390=Lookups!$C$8,D1390=Lookups!$C$13… and then copied down.","John Longo","John Longo",null,"Yes"]
[4,"2017-02-06",1,"Lookups","Two inconsistencies between Banker and Broker tools. Home loan affordability rate (broker tool reset from 7.4% to 7.25%, and Home Loan Loading rate reset to 0%","Kevin O'Sullivan","John Longo",null,"Yes"]
[5,"2017-02-13",1,"Security","1. Delete (NAB ONLY) texts\n2. Amend ‘Existing Secured Lending*’ to read ‘Existing NAB Secured Lending*’\n3. Amend ‘Proposed New Lending*’ to read ‘Proposed NAB New Lending*’","Amanda Phiri","John Longo",null,"Yes"]
[6,"2017-02-15",1.1000000000000001,"Lookups","Increment tax threshold from 37001 - 80,000 to 37,001 - 87,000","Trent Smith","John Longo",null,"Yes"]
[7,"2017-02-16",1.2,"Lookups","Change medicare threshold from $20,542 to $21,335.01 as an interim fix for the government changes","Trent Smith","Trent Smith",null,"Yes"]
[8,"2017-02-17",1.2,"Financial Inputs","Error in cell E1546. It had originally been copied down from cell E1517 but some of the lookup references had not been locked.","Trent Smith","Trent Smith",null,"Yes"]
[9,"2017-02-22",1.3,"Financial Inputs","Added formula to ensure that the \"Last Modified Date\" is actually referenced from the last date in the change log. It was actually a static data entry","Amanda Phiri","Amanda Phiri",null,"Yes"]
[10,"2017-03-08",1.4,"Pre-qualifying","DCA Escalation section will become visible on the  Broker Tool\nThis section will be renamed from ‘DCA Escalation Guidance’ to ‘NAB USE ONLY’\nThe following text will be removed from the section ‘Please refer to policy for all DCA escalation’","Amanda Phiri","Trent Smith",null,"Yes"]
[11,"2017-03-08",1.4,"Pre-qualifying","Added missing formula to error trap for above change (10) in cell D203\n=IF(OR(G197=\"Yes\",G198=\"Yes\",G199=\"Yes\"),\"Care: escalation to Level 3 DCA is required\",\"\")","Amanda Phiri","Trent Smith",null,"Yes"]
[12,"2017-04-07",1.5,"Information Requirements"," Add Fast Track for Brokers (term lending <= $1 million)","Lily Lam","Trent Smith",null,"Yes"]
[13,"2017-04-07",1.5,"Information Requirements","Where Management Rights selected \"Pause, Discuss with BDM\" to apply","Lily Lam","Trent Smith",null,"Yes"]
[14,"2017-04-07",1.5,"Information Requirements","Where Fast Track is selected:\nIncome Verification is                                                                                                              \n •  1 Year management accounts from an accounting package covering 12 months trading income and no older than 6 months.       \n •  1 Year Personal Tax Returns (same narrative as existing)                                                 \n •  Retain  Income Verification                                                                                                         \n •  Minimum 1 Business Activity Statement (BAS) no older than 4 months old.                           ","Lily Lam","Trent Smith",null,"Yes"]
[15,"2017-04-07",1.5,"Information Requirements","Added in field for capturing Broker BUID for Fast Track","Lily Lam","Trent Smith",null,"Yes"]
[16,"2017-04-07",1.5,"Security + High  Risk Postcodes","Added in High risk Postcodes tab\nAdded in additional Postcode field in the Securities tab which will generate a \"pause, discuss with BDM\" if a high risk postcode is entered","Lily Lam","Trent Smith",null,"Yes"]
[17,"2017-04-28","1.5 (4)","Lookups","Updated Servicing table where Loan term increases for Fast Track applications:\nResi securities:\n- 30y Cat D - P/I or I/O repayment options remain\n- 15y Cat E - P/I only\nCommercial securities:\n- 20y Cat D  - P/I or I/O repayment options remain\n- 15y Cat E - P/I only","Lily Lam","Trent Smith",null,"Yes"]
[18,"2017-04-28","1.5 (4)","Lookups + Security LBVR LookUP Table","As above, need to reflect the Repayment options (P/I or I/O) according to LCC.  In Security LBVR lookup Table, inserted a table to assign a value against LCC","Lily Lam","Trent Smith",null,"Yes"]
[19,"2017-04-28","1.5 (4)","Financial Inputs","In Liabilities (Bank Facilities & Other Debts) section, added in ability for \"Interest Type\" to be dynamic and provide the repayment types options according to LCC.","Lily Lam","Trent Smith",null,"Yes"]
[20,"2017-05-09",1.6,"Financial Inputs","Cell I1406 (Existing Total Liabilities) needs to revert to $1 if the total liabilities is actually $0.","Trent Smith","Trent Smith",null,"Yes"]
[21,"2017-05-09",1.6,"Pre-qualifying","NWR and DSC formulas were incorrect. Have replaced both formula with a lookup that provides accurate outcome and easier maintenance.","Trent Smith","Trent Smith",null,"Yes"]
[22,"2017-05-12",1.6,"Information Requirements","Add \"My Bank\" requirement for Fast track as follows \"Confirmation that Customer meets or will meet NAB's My Bank Requirements\"","Lily Lam","Trent Smith",null,"Yes"]
[23,"2017-05-12",1.6,"Dropdown Menu","Added a trigger to determine whether Fast Track applies for the various loan purposes eg Fast Track option would not be available if broker selected \"clearing ATO arrears\" as a loan purpose.","Lily Lam","Trent Smith",null,"Yes"]
[24,"2017-05-18",1.6,"Information Requirements","Amend requrements for Fast Track applications:                                                                                                        •  for Application Form, addition of Customer Consents and Statement of Position as an option                 •  for Living Expense Calculator, only required for home loans                                                                                 •  for Tax Returns and Personal income verification requirements [required where entered into financial inputs and for home loans]                                                                                                                                                                                      •  for BAS, [not required if Accountant prepared year end financials]                                                                    •  remove Bank Statements requirements, Include only as a requirement for Refinance applications purpose (for loan account only) ","Trent Smith","Trent Smith",null,"Yes"]
[25,"2017-05-18",1.6,"Information Requirements","Amend Fast Track acceptable securities - not accepteable (nil LVR extended) Non-Owner Occ Inner City Apartments, Serviced Apartments, Hamilton Island, Student Accommodation resulting in","Trent Smith","Trent Smith",null,"Yes"]
[26,"2017-05-18",1.6,"Pre-qualifying","Amend requrements for Fast Track applications:                                                                                                        •  Length of Time in Business -                                                                                                                                                       - New Venture and < 1 Year - retain Very High (not accepted for Fast Track)                                                        -  < 2 Years amended to 1 to 2 Years and Risk Grade changed from High to Medium                                                               •  'black out' Bank Account Conduct - set at Medium for all applications (unable to remove                                                                                                       ","Trent Smith","Trent Smith",null,"Yes"]
[27,"2017-06-16",1.7,"Pre-qualifying","Addition of drop down box for credit approval relevant to fast track","Trent Smith","Trent Smith",null,"Yes"]
[28,"2017-06-16",1.7,"Information Requirements","Correction of spelling - vairance to variance","Trent Smith","Trent Smith",null,"Yes"]
[29,"2017-06-16",1.7,"Lookups","Change rate on personal cards from 2.5 to 3%","Trent Smith","Trent Smith",null,"Yes"]
[30,"2017-08-07",1.8,"Pre-qualifying","MSBCA Mitigation - Very High Risk adjustment permitted.   ","Trent Smith","Trent Smith",null,"Yes"]
[31,"2017-08-27",1.8,"Pre-qualifying","MSBCA Mitgation - DSC < 1.0x based on Serviceability Final Risk Grade in lieu of Auto Assigned Risk Grade.  Where Banker performs an Adjustment of Serviceability and Medium, represents greater 1.0x DSC.","Trent Smith","Trent Smith",null,"Yes"]
[32,"2017-08-27",1.8,"Information Requirements","Add 'Working Capital - Simple Trade Finance' loan purposes, add information requirement for Simple Trade Finance Job Aid.   ","Trent Smith","Trent Smith",null,"Yes"]
[33,"2017-08-27",1.8,"Financial Inputs","Add Working Capital - Simple Trade Finance loan purpose.  Add 'Trade' in Business Loan facilities","Trent Smith","Trent Smith",null,"Yes"]
[34,"2017-11-21",1.9,"Financial Inputs","1 – Update Borrower risk grade matrix to limit rating to Medium where risk rating adjustments are made.\n2 – Update Taxi Bank Value to 0%","Trent Smith","Trent Smith",null,"Yes"]
[35,"2017-12-01",2,"Information Requirements","Updated ‘ Loan Purpose’ drop down options:\n\nRenamed: \n\"Refinance \" -> Refinance owner occupied (excl. comm investment/ development)\n\nDeleted:\n\"Purchase Asset – Property/Other\"\n\nAdded: \nPurchase Asset – Owner Occupied Property/Equipment Finance\n\nAdded: \nPurchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property\n","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[36,"2017-12-01",2,"Information Requirements","Updated InformationR (macro) to display Information requirements for updated loan options","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[37,"2017-12-01",2,"Financial Inputs","Updated Loan Purpose selections inline with above","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[38,"2017-12-01",2,"Pre-qualifying Tool","Update Security Risk Rating outcomes:\n\nCat E to rating of Medium\n\nAdded logic to check:\nIf Loan purpose selected on ‘Information Requirements’ tab = ‘Purchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property’ selected\n     And Cat E\nThen rating of High\n","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[39,"2017-12-07",2.1,"Information Requirements","Updated ‘ Loan Purpose’ drop down options:\n\nRenamed: \nDebt Consolidation to managed financial distress -> \nDebt consolidation to manage financial distress\n\nRenamed:\nPurchase Asset – Owner Occupied Property/Equipment Finance ->\nPurchase Asset – Owner Occupied Property / Other Assets","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[40,"2017-12-07",2.1,"Information Requirements","Updated InformationR (macro) to reflect above","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[41,"2017-12-07",2.1,"Information Requirements","Updated information required for \"Purchase Asset/Refinance –Commercial Investment Property, Commercial/Residential Development Property\". \n\n6 Months Statements of Non-Nab Transaction & Loan Accounts ->\n6 Months Statements of Non-Nab Transaction & Loan Accounts (if applicable, include statements for facilities being refinanced)\n\n(Now separate to \"Purchase Asset – Owner Occupied Property / Other Assets\")","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[42,"2017-12-07",2.1,"Financial Inputs","Amend \"Finance/Purchase of Any Asset\" narrative to match the Loan Purposes selected:\n\nPurchase Asset – Owner Occupied Property/Equipment Finance\n\nPurchase Asset/Refinance – Commercial Investment Property, Commercial/Residential Development Property\n","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[43,"2017-12-07",2.1,"Pre-qualifying Tool","Remove broken hyperlink in G84 (near to Purpose)","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[44,"2017-12-07",2.1,"Pre-qualifying Tool","Update Security Risk Rating (cell I155) for \"SMSF Loan Purpose Security\" for Cat E","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[45,"2017-12-07",2.1,"Pre-qualifying Tool","Update Risk Grade Summary (cell M86): change to upper case for Purpose","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[46,"2017-12-21",2.2000000000000002,"MSBCA Calculator 2","Changed cell H11 to use the adjusted Borrower grade calculation (when applicable), so the Overall Risk Grade will now calculate correctly\n","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[47,"2017-12-21",2.2999999999999998,"Financial Inputs","Corrected ranges to display when \"Buy Business or Fund Renovations to Business\" selected","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[48,"2017-12-22",2.4,"MSBCA Calculator 2","- Updated cell H11 to use EITHER Auto Assigned, or Adjusted value\n- Updated cells D78, D79, H78, H79 to include logic to prevent NTB cust from getting better than Medium","Trent Smith","Trent Smith","Kang Chai Lim","Yes"]
[49,"2018-10-11",2.6,"Financial Inputs","Updated Affordability Repayment Calculations, such that credit cards were based off rates in  lookups & International, Trade Fiance is now calculated on a IO basis","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[50,"2018-10-11",2.6,"Security LBVR LookUP Table","Updated the LBVR table such that the Vlookups used to idenitfy Risk grades accurately takes the correct value to the 5th decimal","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[51,"2018-10-12",2.6,"Lookups","Amended Personal Credit Cards rate from 3.0% to 3.8%, Added a new facility, Commercial Credit Cards which mirrors Personal Credit Cards. Bus Lending renamed so that Trade & CC are removed from titles. International retitled to Internatioanl, Trade Finance with IO of 8.5%. Margin Lending changes to IO with 8.5%.\nUpdated Tax rates bringing 3rd tax bracket up to 90K from 87K and moving tax rate of 5th Tax bracket from 47% to 45%. Medicare levy limit increased to 21980 and Budget Repair levy reduced to 0%","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[52,"2018-11-23",2.7,"MSBCA Calculator 2","Two specific exceptions have been for borrower grading Risk grade for ‘Industry experience = Very Low\nAND\nRisk grade for ‘Length of time in business’ = Low\nAND\nRisk grade for ‘Bank account conduct’ = Medium\nAND\nRisk grade for ‘Statutory obligations’ = Medium\nAND\nRisk grade for ‘Financial management’ = Low\nAND\nRisk grade for ‘Credit history’ = Medium\nOR\nIF:\nRisk grade for ‘Industry experience = Low \nAND\nRisk grade for ‘Length of time in business’ = Very Low\nAND\nRisk grade for ‘Bank account conduct’ = Medium\nAND\nRisk grade for ‘Statutory obligations’ = Medium\nAND\nRisk grade for ‘Financial management’ = Low\nAND\nRisk grade for ‘Credit history’ = Medium\n\nWill now result in in a Low result","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[53,"2019-07-23",2.8,"Lookups","Home loan rate to 5.5% HL buffer to 2.5%","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[54,"2019-07-23",2.8,"Lookups","Amend ‘Personal Credit Card’ to ‘Personal Credit Card/Personal Overdraft’ ","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[55,"2019-08-26",2.9,"Pre-qualifying Tool","Added Is ATO Arrears > $5k without arrangement or > $50k with arrangement? Test on Pre qualifying Tool tab","Trent Smith","Trent Smith","Chanuka Perera","Yes"]
[56,"2019-12-16",3,"Lookups","Update Business Affordability Rates in line with Credit Policy.","Trent Smith","Trent Smith","Graeme Chang","Yes"]
[57,"2020-06-10",3.1,"Financial Inputs","- Projections - update Taxable Income calculation to deduct expenses, change in calculated Taxation Expense          - Input of Manual DSC Serviceability Risk Grade option (calculated DSC takes priority where both Input)                      - High Risk Post Code listing updated for Fast Track                                                                                                               - Rental income shading increased from 20% to 30% per Home Lending credit policy change","Trent Smith","Trent Smith","Nathan Trika","Yes"]
[58,"2020-11-24",3.2,"Financial Inputs","- Affordability rate updates - HL floor from 5.50% to 4.95% and BL from 7.25% to 5.75%;                                                                                                                                                                                        - Individual taxation rates updated to 2020 and medicare updated.                                                                                    - Rental shading amended frim 30% to 20%","Trent Smith","Trent Smith","Ben O'Meara","Yes"]
[59,"2021-03-31",3.3,"Dropdown Menu","Removed Fast Track Lending from the industry dropdown via marked the \"Fast Track available\" flag to No for all loan purposes. For record, the column prior to the change are shown below.","Trent Smith","Trent Smith","Liang Chen","Yes"]
[60,"2021-04-16",3.4,"Lookups","Fast Track facility calculations - Business Options Loan (P&I ≤ 30 years), Fast Track BOL (Interest Only) - Resi [default 30 year term], Fast Track BOL (Interest Only) - Comm [default 20 year term].","Trent Smith","Trent Smith","Trent Smith","Yes"]
[61,"14/092021",3.5,"Financial Inputs","Conditional formatting for negative income and percentages - CCA feedback.","Trent Smith","Trent Smith","Trent Smith","No"]
[62,"2021-09-22",3.6,"Dropdown Menu\nLookups\nMSBCA Calculator 2\nMSBCA Framework Inputs","Changed \"industry experience\" [Less than 2 years] to [Less than 1 year]\n\"Time in business\" from [2-5 years] to [1-5 years]\nRemoved Financial Information questions from MSBCA framework\nAdjust tax rate for Small Business from 27.5% to 26%\nFixed manual DSC override\nAdded minimum commentary tab                                                                                                                             Home lending buffer 2.50% to 3.0%","Trent Smith","Trent Smith","Tom Sheeran","No"]
[63,"2021-10-20",3.6,"Financial Inputs\nPre-Qualifying Tool","Added \"Application Type\" dropdown to cover paired lending scenarios.\nThis will block ability to capture business income and hide debt servicing related sections. Manual DSC will unlock on PQT page.\nAmended affordability rate buffer to 3.00%","Trent Smith",null,"Tom Sheeran","Yes"]
[64,"2022-05-10",3.7,"Lookups","Amend DSC Risk Grade range value from 0.50 to 0.00, allowing Very High Serviceability Risk Grade value to surface where calculated DSC less than 0.501x","Trent Smith","Trent Smith","Trent Smith","Yes"]
[65,"2022-07-25",3.8,"Lookups","Update lookup tab rates in column E to reflect affordability rate changes as per below request from Trent Smith:\n\n\n\n","Trent Smith","Trent Smith","Luke Boston","Yes"]
[66,"2022-08-25",3.9,"Lookups","Update lookup tab rates in column E to reflect affordability rate changes as per below request.\nUpdate small business tax rate from 26% to 25%. Note this is defined in lookups tab, cell L12. To get from company tax rate of 30% to small business tax rate of 30%, enter the small business tax rate / company tax rate, i.e. 0.30/0.25 = 0.8333\n \n\n\n\n\n\n\n\n\n\n\n\n","Trent Smith","Trent Smith","Luke Boston","Yes"]
[67,"2022-11-02",4,"Lookups","Update lookup tab rates in column E to reflect affordability rate changes as per below request.\n \n \n\n\n\n\n\n\n\n\n\n\n\n","Trent Smith","Trent Smith","Luke Boston","Yes"]
[68,"2023-06-22",4.0999999999999996,"Lookups","Updated affordability rate to 10% and 9.4% respectively for business loans and leasing.","Trent Smith","Trent Smith","Luke Boston","Yes"]
[69,"2024-02-14",4.2,"Lookups","Updated affordability rate to 10.25% and 9.65% respectively for business loans and leasing.","Trent Smith","Trent Smith","Luke Boston","Yes"]
[70,"2024-07-01",4.3,"Lookups\nTax rate parameter updates","Updated lookups tab to align tax rates to https://www.ato.gov.au/about-ato/new-legislation/in-detail/individuals/individual-income-tax-rates-and-threshold-changes","Trent Smith","Trent Smith","Luke Boston","Yes"]
[71,"2025-01-17",4.4000000000000004,"Financial Inputs & Lookups","Rename Leasing to Equipment Finance.  For Business Lending Facilities - change repayment methodology to be the higher of Interest Rate +2% vs Floor Rate of 7.85%.  Create new facilities - Bank Guarantee (Cat. A-D), Bank Guarantee (E-J), QuickBiz Term Loan, NAB Flex Flow Loan, Business Options IO/Combination Loan (Cat. A - D Residential), Business Options IO/Combination Loan (Cat A – D Comm/Other), Business Options IO/Combination Loan (Cat. E - J)","Trent Smith","Trent Smith","Tony Poon","Yes"]
[72,"2025-03-14",4.5,"Financial Inputs & Lookups","Update Application Type toggle labels - MSBCA and Non-MSBCA Debt Servicing to cater for use of ELP DST. MSBCA Framework - allow Final Overall Risk Grade to populate in circumstances where Auto Assigned Overall Risk Grade not complete, caters for applications assessed using projections only (i.e. not historical DSC can be calculated)","Trent Smith","Trent Smith","Tony Poon","Yes"]
[73,"2025-04-07",4.5999999999999996,"Pre-qualifying Tool","Amend ATO arrears question following update to LEN020 threshold (no longer $5k and $50k).","Trent Smith","Trent Smith","Trent Smith"]
[74]
[75]
[76]
[77]
[78]
[79]
[80]
[81]
[82]
[83]
[84]
[85]
[86]
[87]
[88]
[89]
[90]
[91]
[92]
[93]
[94]
[95]
[96]
[97]
[98]
[99]
[100]

{"sheet":"Eli","index":9,"n_rows":38,"n_cols":1,"rows_kept":38,"cut":false,"hidden":true,"merged":[]}
["Feedback Eli (previous Westpac banker, has seen the risks and mitigants)"]
[]
["How long would this take?"]
["I would need to test a scenario through this regarding how long this would take?"]
["LVR"]
["Calculates LVR manually"]
[]
["Security Table - would be helpful if we're trying to mirror what they have somewhere else (trying to bring someone across and mirror, and trying to mirror what the bank can use). It would not be helpful for the straight forward conversation"]
[]
[]
["Positives"]
["From a credit point of view - it's all there"]
[]
["You're aksing me to do your job"]
[]
["Brokers will ask - is it worth my while? Why am I doing all this work for this, when I can do Resi? How much work is a Resi broker trying to do to win this business?"]
["It will become a long process of back and forth"]
["The Tool is good ffor someone who has been in this space. Someone starting in business, would see this as a nightmare"]
["Client must know Broker understands"]
["Will this deal service and do I have enough security"]
["Capability - Resi to become commercial (too complicated)"]
["Training - basic financials analysis (i.e Leases are off balance sheet but are required in the Tool) *GOLD"]
["End result needs to be positive"]
["Training preference - online training (keep going back and forth over training) - experienced this when doing a book keeping course online"]
["2 hour live session (combination of face to face and online)"]
["Accreditation - why do you want this? Show us the need? If we want quality coming through. Otherwise it's a waste of our resources and their time"]
["Someone to talk to who knows the policy (I have a contact point and my customer has one)"]
["Conv Toolpad - Asking questions is one thing but how you ask the questions makes the difference."]
["Conv Toolpad - It's good but if it doesn’t come from the heart, it's not useful"]
["Conversation Training - Business owners talking about their business. Talking about good, bad and ugly with their bank - talking about what's important to them. Let the business owners talk about - it will have much more impact. I.e. those who have life insurance//those who dont - those able to survive because a banker made them think about. \"I have real stories\""]
["Make brokers understand these customers. Take the complication of \"business\" out of it *GOLD - when brokers say WHY should I do this work"]
[]
["Collateral"]
["Risk appetite on a page  - IMPORTANT AND GOOD \"Policy on a page\""]
["Products feedback - Product Info - replace with why would you have this product. Link products to the purposes in the Tool. What has not worked well - \"went to a financier display last week - not useful\""]
["Product information must be Direct, specific, what does my customer look like?"]
["Make it easy - GOLD"]
["Be consistent, don’t make it hard - GOLD"]

{"sheet":"Sujil","index":10,"n_rows":43,"n_cols":1,"rows_kept":43,"cut":false,"hidden":true,"merged":[]}
["Feedback Sujil (currently writes a few commercial deals)"]
[]
["Length of time in business - give guidance on what we are asking for here"]
["DSC - uses this as a ratio"]
["When looking at resi/comm (if we are doing the resi, then most likely we'll do the commercial)"]
["Reading financials not a problem - do a lot of self employed"]
["Most of our deals are highly qualified (i.e referrals from Financial Planners); their deals don’t get knocked back"]
["How would this work with regard to BDM? Broker sending to the BDM OR a scenarios team (a preliminary/indicative review)  OR send to a scenarios team"]
["Brokers like the ability to speak to a Credit Person. There are some things that the BDM can do and not - credit are the decision makers"]
[]
[]
["LVR"]
["Securities Table - \"good idea\""]
[]
["First impressions - when I first look it does look exhaustive"]
["How long?? A banker may take half an hour, a broker who does not do this regularly may take longer. Maximum time - we book in a client for one hour. I don’t want to spend more than an hour"]
["I do my servicing calculations when I'm with the customer. Normally send the information requirements prior"]
["WE NEED TO TRAIN THE SCENARIOS TEAM *DISCUSS WITH BC"]
["Conversations Toolpad - this will certainly help"]
["Minimum commentary requirements - \"it comes down to the time\". What NAB needs to make a decision should be prescribed to brokers"]
["Sometimes there is a gap between what the BDM says and \"Credit Mgr\". We should cut this step out"]
["Broker can even complete the commentary once they have left the client"]
["With commercial, we can never give out the rates - why??"]
["What about ongoing fees??"]
["\"I find rates a challenge…ING rates are disclosed though for example\". A benefit of the Tool would be to provide enough information to give an indicative priving"]
[]
["Product Training - BDM delivering a training session (keep it simple)"]
[]
["Training for role out - face to face sessions. I went to a Suncorp Commercial Broker Training Session (half a day) and a second follow up. It was enough but they were talking about \"reading financials\""]
["The more experienced brokers were helping out the newer ones"]
["Follow up training and emails - case studies online"]
["Suncorp are making a bit dent"]
[]
["Minimum Information Requirements - we like collecting information upfront. \"I'd prefer that this is separate to the tool\""]
[]
["Policy on a page - looks good to me"]
["Contact \"BDM\" and contact \"Credit\" - as long as the message is consistent by NAB"]
[]
["Turnaround times - post submission - 3 days to unconditional (commercial valuation may take more time but atleast you have given unconditional)"]
[]
["Products - the key things are 'Fees & Charges' and 'Interest Rates'"]
["Some pricing indication would be beneficial"]
["\"GIVE ME ALL THIS INFORMATION, BEFORE I CAN PROVIDE YOU A RATE\" - challenge"]

{"sheet":"Broker Tool (not for use)","index":11,"n_rows":73,"n_cols":17,"rows_kept":73,"cut":false,"hidden":true,"merged":[[61,1,61,8],[65,3,69,8],[72,3,76,8],[8,3,8,8],[38,1,38,8],[34,3,34,4],[36,3,36,4],[48,3,48,8],[26,5,26,6],[26,7,26,8],[31,3,31,4],[31,5,31,6],[31,7,31,8],[40,3,40,8],[44,4,44,5],[42,4,42,5],[32,3,32,4],[32,5,32,6],[32,7,32,8],[24,3,24,4],[10,3,12,8],[17,3,20,8],[29,3,29,4],[14,3,15,8],[22,3,22,8],[26,3,26,4],[27,3,27,4],[27,5,27,6],[2,1,2,8],[0,12,0,16],[2,12,2,13],[27,7,27,8],[4,3,4,8],[6,3,6,8]]}
[null,null,null,null,null,null,null,null,null,null,null,null,"hide all these columns later"]
[]
[null,"Customer Profile",null,null,null,null,null,null,null,null,null,null,"hide later",null,"Mapping","Notes","Notes"]
[]
[null,null,"Customer Status","Existing",null,null,null,null,null,null,null,null,null,null,"transfer data to MSBCA Framework Inputs G34"]
[]
[null,null,"Industry Experience","Less than 2 years",null,null,null,null,null,null,null,null,null,null,"transfer data to MSBCA Framework Inputs G38"]
[]
[null,null,"Length of time in Business","Business operating 2-5 years",null,null,null,null,null,null,null,null,null,null,"transfer data to MSBCA Framework Inputs G45"]
[]
[null,null,"Bank Account Conduct"," - Bank accounts have history of excesses or arrears\n- Current arrears <$2k\n- Excess / arrears is within arrangement made with banker"]
[]
[]
[]
[null,null,"Statutory Obligations","ATO not lodged and/or no arrangements are in place",null,null,null,null,null,null,null,null,null,null,"transfer data to MSBCA Framework Inputs G50"]
[]
[]
[null,null,"Financial Management","Financials are prepared by accountant and up to date.\nUses proven accounting system and a registered accountant."]
[]
[]
[]
[]
[null,null,"Credit History","Adverse Credit Check but defaults are paid",null,null,null,null,null,null,null,null,null,null,"transfer data to MSBCA Framework Inputs G58"]
[]
[null,null,"Borrower Risk Grade",{"$f":"IF('Pre-qualifying Tool'!I58=\"-\",\"\",VLOOKUP('Pre-qualifying Tool'!I58,'Dropdown Menu'!$B$11:$C$16,2,FALSE))","v":""}]
[]
[null,null,"Statement of Position","Total Assets",null,"Total Liabilities",null,"Net Position"]
[null,null,null,100000,null,50000,null,{"$f":"D28-F28","v":50000},null,null,null,null,null,null,"to Financial Inputs sheet K1359 and J1390"]
[]
[null,null,"Statement of Position Grade",{"$f":"IF('Pre-qualifying Tool'!I128=\"-\",\"\",VLOOKUP('Pre-qualifying Tool'!I128,'Dropdown Menu'!$B$11:$C$16,2,FALSE))","v":""}]
[]
[null,null,"Debt Servicing Table","Total Income",null,"Total Expenses",null,"Serviceability"]
[null,null,null,1000,null,500,null,{"$f":"D33-F33","v":500},null,null,null,null,null,null,"this adds into existing formula at Financial Inputs sheet G1459 & G1460"]
[]
[null,null,"Serviceability Grade",{"$f":"IF('Pre-qualifying Tool'!I105=\"-\",\"\",VLOOKUP('Pre-qualifying Tool'!I105,'Dropdown Menu'!$B$11:$C$16,2,FALSE))","v":""}]
[]
[null,null,"Overall Risk Grade",{"$f":"IF('Pre-qualifying Tool'!I186=\"-\",\"\",VLOOKUP('Pre-qualifying Tool'!I186,'Dropdown Menu'!$B$12:$C$16,2,FALSE))","v":""}]
[]
[null,"Deal details"]
[]
[null,null,"Loan Purpose","Clearing ATO Arrears",null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(D41,'Dropdown Menu'!P5:R15,3,FALSE)","v":"Yes"},null,"This goes to Financial Inputs sheet according to selection made","Working Capital","No security"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Refinance","No security"]
[null,null,"Loan Required",null,7000,null,null,null,null,null,null,null,null,null,"For some loan types there will be no security & LVR","Buy Business or Fund Renovations to Business","Customer Contribution"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Cust Cont","Loan Req",null,"Finance/Purchase of Any Asset","Customer Contribution"]
[null,null,"Customer Contribution",null,5000,null,null,null,null,null,null,null,{"$f":"IF(M41='Dropdown Menu'!$R$8,'Broker Tool (not for use)'!E45,0)","v":5000},{"$f":"E43","v":7000},"We need to calculate both the security (if required) and customer contribution","Debt Restructure","No security"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"To Address Unexpected Cash Shortfall / Slow Paying Debtors","No security"]
[null,null,"Loan to Bank Value (LBVR%)",null,null,{"$f":"IF(M41=\"No\",\"\",E43/N47)","v":0.58333333333333337},null,null,null,null,null,null,null,{"$f":"IF(M41='Dropdown Menu'!$R$8,E43+E45,0)","v":12000},"Calculated value of security","Debt Consolidation to Manage Financial Distress","No security"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Refinance Debt to Manage Financial Distress","No security"]
[null,null,"Industry","Environmental Risk and the Nuclear Industry",null,null,null,null,null,null,null,null,{"$f":"IF(D49=\"\",\"\",\"DCA\")","v":"DCA"},{"$f":"IF(D49=\"\",\"\",VLOOKUP(D49,Industries!A3:B27,2,FALSE))","v":2},null,"Clearing ATO Arrears","Customer Contribution"]
[]
[null,null,"Specialised Inputs 1","A"]
[]
[null,null,"Specialised Inputs 2","C"]
[]
[null,null,"Specialised Inputs 3","D"]
[]
[null,null,"TEST",{"$f":"IF(F47<='Dropdown Menu'!J12,\"Yes\",\"Discuss BDM\")","v":"Yes"}]
[]
[null,null,"TEST",{"$f":"IF(AND(D57=\"Yes\",D37=\"Yes\"),\"Yes\",\"Discuss BDM\")","v":"Discuss BDM"}]
[]
[]
[null,"Decision"]
[]
[null,null,"Does deal meet NAB Criteria?"]
[]
[null,null,"Commentary","AUTO POPULATED"]
[]
[]
[]
[]
[]
[]
[null,null,null,"FREE TEXT"]

{"sheet":"JL LVR calc","index":12,"n_rows":7,"n_cols":11,"rows_kept":7,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,null,null,null,null,null,"Customer Deposit",10000]
[null,null,null,null,null,null,"Loan",30000]
[null,null,null,null,null,null,"M/V",{"$f":"H3+H4","v":40000},null,"Security type"]
[null,null,null,null,null,null,"B/V",{"$f":"H5*K7","v":28000},null,"Resi",0.8]
[null,null,null,null,null,null,"LBV",{"$f":"H4/H6","v":1.0714285714285714},null,"Commercial",0.7]

{"sheet":"MSBCA Calculator 2","index":13,"n_rows":96,"n_cols":19,"rows_kept":96,"cut":false,"hidden":true,"merged":[[1,4,1,5],[2,0,18,0],[21,0,37,0],[20,4,20,5],[88,1,88,6],[74,1,74,6],[73,1,73,6],[42,0,46,0],[47,0,51,0],[40,0,40,6],[53,1,53,6],[5,16,6,16],[5,17,6,17],[5,18,6,18],[1,7,2,7],[20,7,21,7],[20,9,20,10]]}
[]
[null,null,null,"Auto","M&SB Banker",null,"Credit Manager","FINAL"]
["Grading Inputs","MSBCA Risk Framework",null,"Assigned","Initial","Adjusted","Overridden"]
[null,"Borrower"]
[null,"Time in Industry","Man",{"$f":"'Pre-qualifying Tool'!I39","v":"-"},{"$f":"'Pre-qualifying Tool'!J39","v":0},{"$f":"'Pre-qualifying Tool'!K39","v":0},{"$f":"'Pre-qualifying Tool'!L39","v":0},{"$f":"'Pre-qualifying Tool'!M39","v":"-"},null,null,null,null,null,null,"Soure from original user selections"]
[null,"Time in Business","Man",{"$f":"'Pre-qualifying Tool'!I43","v":"-"},{"$f":"'Pre-qualifying Tool'!J43","v":0},{"$f":"'Pre-qualifying Tool'!K43","v":0},{"$f":"'Pre-qualifying Tool'!L43","v":0},{"$f":"'Pre-qualifying Tool'!M43","v":"-"},null,null,null,null,null,null,null,null,{"$f":"'Pre-qualifying Tool'!J37","v":"Initial \nAdjustment"},{"$f":"'Pre-qualifying Tool'!K37","v":"Secondary Adjustment"},{"$f":"'Pre-qualifying Tool'!L37","v":"Overridden"}]
[null,"Bank Account Conduct","Man",{"$f":"IF(Lookups!AA2=\"Yes\",\"Medium\",'Pre-qualifying Tool'!I47)","v":"-"},{"$f":"'Pre-qualifying Tool'!J47","v":0},{"$f":"'Pre-qualifying Tool'!K47","v":0},{"$f":"'Pre-qualifying Tool'!L47","v":0},{"$f":"IF(Lookups!AA2=\"Yes\",\"MEDIUM\",'Pre-qualifying Tool'!M47)","v":"-"},null,null,{"$f":"'Dropdown Menu'!A4","v":"Very Low"},1,{"$f":"K7","v":"Very Low"}]
[null,"Statutory Payments","Man",{"$f":"'Pre-qualifying Tool'!I51","v":"-"},{"$f":"'Pre-qualifying Tool'!J51","v":0},{"$f":"'Pre-qualifying Tool'!K51","v":0},{"$f":"'Pre-qualifying Tool'!L51","v":0},{"$f":"'Pre-qualifying Tool'!M51","v":"-"},null,null,{"$f":"'Dropdown Menu'!A5","v":"Low"},2,{"$f":"K8","v":"Low"},null,null,{"$f":"'Pre-qualifying Tool'!D39","v":"Industry Experience*"},{"$f":"IF('Pre-qualifying Tool'!J39=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!K39=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!L39=\"\",0,1)","v":0}]
[null,"Credit History","Man",{"$f":"'Pre-qualifying Tool'!I55","v":"-"},{"$f":"'Pre-qualifying Tool'!J55","v":0},{"$f":"'Pre-qualifying Tool'!K55","v":0},{"$f":"'Pre-qualifying Tool'!L55","v":0},{"$f":"'Pre-qualifying Tool'!M55","v":"-"},null,"Test For Adjustment",{"$f":"'Dropdown Menu'!A6","v":"Medium"},3,"Medium",null,null,{"$f":"'Pre-qualifying Tool'!D43","v":"Length of time in Business *"},{"$f":"IF('Pre-qualifying Tool'!J43=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!K43=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!L43=\"\",0,1)","v":0}]
[null,"Borrower","Calc",{"$f":"D85","v":"Medium"},{"$f":"E85","v":"Medium"},{"$f":"F85","v":"Medium"},{"$f":"G85","v":"Medium"},{"$f":"IF(S14>0,J85,D10)","v":"Medium"},null,{"$f":"IF(COUNTIF(E5:G9,0)<>18,\"X\",\"\")","v":"X"},{"$f":"'Dropdown Menu'!A7","v":"High"},4,"High",null,null,{"$f":"'Pre-qualifying Tool'!D47","v":"Bank Account Conduct *"},{"$f":"IF('Pre-qualifying Tool'!J47=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!K47=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!L47=\"\",0,1)","v":0}]
[null,"Purpose",null,null,null,null,null,null,null,{"$f":"'Dropdown Menu'!A6","v":"Medium"},{"$f":"'Dropdown Menu'!A8","v":"Very High"},5,"Very High",null,null,{"$f":"'Pre-qualifying Tool'!D51","v":"Statutory Obligations *"},{"$f":"IF('Pre-qualifying Tool'!J51=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!K51=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!L51=\"\",0,1)","v":0}]
[null,"Purpose","Auto",{"$f":"'Pre-qualifying Tool'!I82","v":"-"},{"$f":"'Pre-qualifying Tool'!J82","v":0},{"$f":"'Pre-qualifying Tool'!K82","v":0},{"$f":"'Pre-qualifying Tool'!L82","v":0},{"$f":"'Pre-qualifying Tool'!M82","v":"-"},null,null,null,null,null,null,null,{"$f":"'Pre-qualifying Tool'!D55","v":"Credit History *"},{"$f":"IF('Pre-qualifying Tool'!J55=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!K55=\"\",0,1)","v":0},{"$f":"IF('Pre-qualifying Tool'!L55=\"\",0,1)","v":0}]
[null,"Serviceability",null,null,null,null,null,null,null,"Produced",{"$f":"IF(J81=\"\",3,VLOOKUP(J81,$K$7:$L$11,2,FALSE))","v":3}]
[null,"DSC","Auto",{"$f":"'Pre-qualifying Tool'!I105","v":"-"},{"$f":"'Pre-qualifying Tool'!J105","v":0},{"$f":"'Pre-qualifying Tool'!K105","v":0},{"$f":"'Pre-qualifying Tool'!L105","v":0},{"$f":"'Pre-qualifying Tool'!M105","v":"-"},null,"Adjusted",{"$f":"IF(K13<L9,L9,K13)","v":3},null,null,null,null,null,null,null,{"$f":"SUM(Q8:S12)","v":0}]
[null,"Statement of Position",null,null,null,null,null,null,null,null,{"$f":"IF(K14>K13,J11,H10)","v":"Medium"}]
[null,"SOP","Auto",{"$f":"'Pre-qualifying Tool'!I128","v":"-"},{"$f":"'Pre-qualifying Tool'!J128","v":0},{"$f":"'Pre-qualifying Tool'!K128","v":0},{"$f":"'Pre-qualifying Tool'!L128","v":0},{"$f":"'Pre-qualifying Tool'!M128","v":"-"}]
[null,"Security"]
[null,"LBVR","Man",{"$f":"'Pre-qualifying Tool'!I151","v":"-"},{"$f":"'Pre-qualifying Tool'!J151","v":0},{"$f":"'Pre-qualifying Tool'!K151","v":0},{"$f":"'Pre-qualifying Tool'!L151","v":0},{"$f":"'Pre-qualifying Tool'!M151","v":"-"}]
[]
[]
[null,null,null,"Auto","M&SB Banker",null,"Credit Manager","FINAL",null,"Legend"]
["Grading  Convertion Table","MSBCA Risk Framework",null,"Assigned","Initial","Adjusted","Overridden",null,null,"Framework Categories","Grades"]
[null,"Borrower",null,null,null,null,null,null,null,"Borrower"]
[null,"Time in Industry","Man",{"$f":"IF(D5=\"Very Low\",1,IF(D5=\"Low\",2,IF(D5=\"Medium\",3,IF(D5=\"High\",4,IF(D5=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(E5=\"Very Low\",1,IF(E5=\"Low\",2,IF(E5=\"Medium\",3,IF(E5=\"High\",4,IF(E5=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(F5=\"Very Low\",1,IF(F5=\"Low\",2,IF(F5=\"Medium\",3,IF(F5=\"High\",4,IF(F5=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(G5=\"Very Low\",1,IF(G5=\"Low\",2,IF(G5=\"Medium\",3,IF(G5=\"High\",4,IF(G5=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(H5=\"Very Low\",1,IF(H5=\"Low\",2,IF(H5=\"Medium\",3,IF(H5=\"High\",4,IF(H5=\"Very High\",5,\"\")))))","v":""},null,"Time in Industry","1, 2, 3, 4, 5"]
[null,"Time in Business","Man",{"$f":"IF(D6=\"Very Low\",1,IF(D6=\"Low\",2,IF(D6=\"Medium\",3,IF(D6=\"High\",4,IF(D6=\"Very High\",5,\"\")))))","v":""},"",{"$f":"IF(F6=\"Very Low\",1,IF(F6=\"Low\",2,IF(F6=\"Medium\",3,IF(F6=\"High\",4,IF(F6=\"Very High\",5,\"\")))))","v":""},"","",null,"Time in Business","1, 2, 3, 4, 5"]
[null,"Bank Account Conduct","Man","","","","","",null,"Bank Account Conduct","3, 4, 5"]
[null,"Statutory Payments","Man","","","","","",null,"Statutory Payments","3, 4, 5"]
[null,"Credit History","Man",{"$f":"IF(D9=\"Very Low\",1,IF(D9=\"Low\",2,IF(D9=\"Medium\",3,IF(D9=\"High\",4,IF(D9=\"Very High\",5,\"\")))))","v":""},"","","","",null,"Financial Management","2, 3, 4"]
[null,"Borrower","Calc",3,3,3,3,3,null,"Credit History","3, 4, 5"]
[null,"Purpose",null,null,null,null,null,null,null,"Borrower","1, 2, 3, 4, 5"]
[null,"Purpose","Auto",{"$f":"IF(D12=\"Very Low\",1,IF(D12=\"Low\",2,IF(D12=\"Medium\",3,IF(D12=\"High\",4,IF(D12=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(E12=\"Very Low\",1,IF(E12=\"Low\",2,IF(E12=\"Medium\",3,IF(E12=\"High\",4,IF(E12=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(F12=\"Very Low\",1,IF(F12=\"Low\",2,IF(F12=\"Medium\",3,IF(F12=\"High\",4,IF(F12=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(G12=\"Very Low\",1,IF(G12=\"Low\",2,IF(G12=\"Medium\",3,IF(G12=\"High\",4,IF(G12=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(H12=\"Very Low\",1,IF(H12=\"Low\",2,IF(H12=\"Medium\",3,IF(H12=\"High\",4,IF(H12=\"Very High\",5,\"\")))))","v":""},null,"Purpose"]
[null,"Serviceability",null,null,null,null,null,null,null,"Purpose","3, 4, 5"]
[null,"DSC","Auto",{"$f":"IF(D14=\"Very Low\",1,IF(D14=\"Low\",2,IF(D14=\"Medium\",3,IF(D14=\"High\",4,IF(D14=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(E14=\"Very Low\",1,IF(E14=\"Low\",2,IF(E14=\"Medium\",3,IF(E14=\"High\",4,IF(E14=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(F14=\"Very Low\",1,IF(F14=\"Low\",2,IF(F14=\"Medium\",3,IF(F14=\"High\",4,IF(F14=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(G14=\"Very Low\",1,IF(G14=\"Low\",2,IF(G14=\"Medium\",3,IF(G14=\"High\",4,IF(G14=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(H14=\"Very Low\",1,IF(H14=\"Low\",2,IF(H14=\"Medium\",3,IF(H14=\"High\",4,IF(H14=\"Very High\",5,\"\")))))","v":""},null,"Serviceability"]
[null,"Statement of Position",null,null,null,null,null,null,null,"DSC","1, 2, 3, 4, 5"]
[null,"SOP","Auto",{"$f":"IF(D16=\"Very Low\",1,IF(D16=\"Low\",2,IF(D16=\"Medium\",3,IF(D16=\"High\",4,IF(D16=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(E16=\"Very Low\",1,IF(E16=\"Low\",2,IF(E16=\"Medium\",3,IF(E16=\"High\",4,IF(E16=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(F16=\"Very Low\",1,IF(F16=\"Low\",2,IF(F16=\"Medium\",3,IF(F16=\"High\",4,IF(F16=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(G16=\"Very Low\",1,IF(G16=\"Low\",2,IF(G16=\"Medium\",3,IF(G16=\"High\",4,IF(G16=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(H16=\"Very Low\",1,IF(H16=\"Low\",2,IF(H16=\"Medium\",3,IF(H16=\"High\",4,IF(H16=\"Very High\",5,\"\")))))","v":""},null,"Statement of Position"]
[null,"Security",null,null,null,null,null,null,null,"SOP","1, 2, 3, 4, 5"]
[null,"LBVR","Man",{"$f":"IF(D18=\"Very Low\",1,IF(D18=\"Low\",2,IF(D18=\"Medium\",3,IF(D18=\"High\",4,IF(D18=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(E18=\"Very Low\",1,IF(E18=\"Low\",2,IF(E18=\"Medium\",3,IF(E18=\"High\",4,IF(E18=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(F18=\"Very Low\",1,IF(F18=\"Low\",2,IF(F18=\"Medium\",3,IF(F18=\"High\",4,IF(F18=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(G18=\"Very Low\",1,IF(G18=\"Low\",2,IF(G18=\"Medium\",3,IF(G18=\"High\",4,IF(G18=\"Very High\",5,\"\")))))","v":""},{"$f":"IF(H18=\"Very Low\",1,IF(H18=\"Low\",2,IF(H18=\"Medium\",3,IF(H18=\"High\",4,IF(H18=\"Very High\",5,\"\")))))","v":""},null,"Security"]
[null,null,null,null,null,null,null,null,null,"LBVR","2, 3, 4"]
[]
[]
["Rating Counters"]
[null,"Grading","Score","Count - Assigned","Count - Initial","Count - Adjusted","Count - Overridden","Count - Final"]
["Count\nOverall","VL",1,{"$f":"COUNTIF($D$29:$D$37,1)","v":0},{"$f":"COUNTIF($E$29:$E$37,1)","v":0},{"$f":"COUNTIF($F$29:$F$37,1)","v":0},{"$f":"COUNTIF($G$29:$G$37,1)","v":0},{"$f":"COUNTIF($H$29:$H$37,1)","v":0},"Very Low"]
[null,"L",2,{"$f":"COUNTIF($D$29:$D$37,2)","v":0},{"$f":"COUNTIF($E$29:$E$37,2)","v":0},{"$f":"COUNTIF($F$29:$F$37,2)","v":0},{"$f":"COUNTIF($G$29:$G$37,2)","v":0},{"$f":"COUNTIF($H$29:$H$37,2)","v":0},"Low"]
[null,"M",3,{"$f":"COUNTIF($D$29:$D$37,3)","v":1},{"$f":"COUNTIF($E$29:$E$37,3)","v":1},{"$f":"COUNTIF($F$29:$F$37,3)","v":1},{"$f":"COUNTIF($G$29:$G$37,3)","v":1},{"$f":"COUNTIF($H$29:$H$37,3)","v":1},"Medium"]
[null,"H",4,{"$f":"COUNTIF($D$29:$D$37,4)","v":0},{"$f":"COUNTIF($D$29:$D$37,4)","v":0},{"$f":"COUNTIF($F$29:$F$37,4)","v":0},{"$f":"COUNTIF($G$29:$G$37,4)","v":0},{"$f":"COUNTIF($H$29:$H$37,4)","v":0},"High"]
[null,"VH",5,{"$f":"COUNTIF($D$29:$D$37,5)","v":0},{"$f":"COUNTIF($E$29:$E$37,5)","v":0},{"$f":"COUNTIF($F$29:$F$37,5)","v":0},{"$f":"COUNTIF($G$29:$G$37,5)","v":0},{"$f":"COUNTIF($H$29:$H$37,5)","v":0},"Very High"]
["Count\nBorrower","Very Low",1,{"$f":"COUNTIF($D$24:$D$28,1)","v":0},{"$f":"COUNTIF($E$24:$E$28,1)","v":0},{"$f":"COUNTIF($F$24:$F$28,1)","v":0},{"$f":"COUNTIF($G$24:$G$28,1)","v":0},{"$f":"COUNTIF($H$24:$H$28,1)","v":0}]
[null,"Low",2,{"$f":"COUNTIF($D$24:$D$28,2)","v":0},{"$f":"COUNTIF($E$24:$E$28,2)","v":0},{"$f":"COUNTIF($F$24:$F$28,2)","v":0},{"$f":"COUNTIF($G$24:$G$28,2)","v":0},{"$f":"COUNTIF($H$24:$H$28,2)","v":0}]
[null,"Medium",3,{"$f":"COUNTIF($D$24:$D$28,3)","v":0},{"$f":"COUNTIF($E$24:$E$28,3)","v":0},{"$f":"COUNTIF($F$24:$F$28,3)","v":0},{"$f":"COUNTIF($G$24:$G$28,3)","v":0},{"$f":"COUNTIF($H$24:$H$28,3)","v":0}]
[null,"High",4,{"$f":"COUNTIF($D$24:$D$28,4)","v":0},{"$f":"COUNTIF($E$24:$E$28,4)","v":0},{"$f":"COUNTIF($F$24:$F$28,4)","v":0},{"$f":"COUNTIF($G$24:$G$28,4)","v":0},{"$f":"COUNTIF($H$24:$H$28,4)","v":0}]
[null,"Very High",5,{"$f":"COUNTIF($D$24:$D$28,5)","v":0},{"$f":"COUNTIF($E$24:$E$28,5)","v":0},{"$f":"COUNTIF($F$24:$F$28,5)","v":0},{"$f":"COUNTIF($G$24:$G$28,5)","v":0},{"$f":"COUNTIF($H$24:$H$28,5)","v":0}]
[]
[null,"Overall - Grading Rules 3"]
[null,"VH>1, (VH)",">",{"$f":"IF(D47>1,\"Very High\",\"\")","v":""},{"$f":"IF(E47>1,\"Very High\",\"\")","v":""},{"$f":"IF(F47>1,\"Very High\",\"\")","v":""},{"$f":"IF(G47>1,\"Very High\",\"\")","v":""},{"$f":"IF(H47>1,\"Very High\",\"\")","v":""}]
[null,"VH=1, VL=0, (VH)",">",{"$f":"IF(AND(D47=1,D43=0),\"Very High\",\"\")","v":""},{"$f":"IF(AND(E47=1,E43=0),\"Very High\",\"\")","v":""},{"$f":"IF(AND(F47=1,F43=0),\"Very High\",\"\")","v":""},{"$f":"IF(AND(G47=1,G43=0),\"Very High\",\"\")","v":""},{"$f":"IF(AND(H47=1,H43=0),\"Very High\",\"\")","v":""}]
[null,"VH=1, H=1, (VL>1, OR VL>0 + L>0), (M)",">",{"$f":"IF(AND(D47=1,D46=1,(OR(D43>1,(AND(D43>0,D44>0))))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(E47=1,E46=1,(OR(E43>1,(AND(E43>0,E44>0))))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(F47=1,F46=1,(OR(F43>1,(AND(F43>0,F44>0))))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(G47=1,G46=1,(OR(G43>1,(AND(G43>0,G44>0))))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(H47=1,H46=1,(OR(H43>1,(AND(H43>0,H44>0))))),\"Medium\",\"\")","v":""}]
[null,"VH=1,H=1,VL=1,M>1, (H)",">",{"$f":"IF(AND(D47=1,D46=1,D43=1,D45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(E47=1,E46=1,E43=1,E45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(F47=1,F46=1,F43=1,F45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(G47=1,G46=1,G43=1,G45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(H47=1,H46=1,H43=1,H45>1),\"High\",\"\")","v":""}]
[null,"VH=1, VL>0, H=0, (L>0 OR M>0), (M)",">",{"$f":"IF(AND(D47=1,D43>0,D46=0,(OR(D44>0,D45>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(E47=1,E43>0,E46=0,(OR(E44>0,E45>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(F47=1,F43>0,F46=0,(OR(F44>0,F45>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(G47=1,G43>0,G46=0,(OR(G44>0,G45>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(H47=1,H43>0,H46=0,(OR(H44>0,H45>0))),\"Medium\",\"\")","v":""}]
[null,"VH=1, H=2, VL>0 (H)",">",{"$f":"IF(AND(D47=1,D46=2,D43>0),\"High\",\"\")","v":""},{"$f":"IF(AND(E47=1,E46=2,E43>0),\"High\",\"\")","v":""},{"$f":"IF(AND(F47=1,F46=2,F43>0),\"High\",\"\")","v":""},{"$f":"IF(AND(G47=1,G46=2,G43>0),\"High\",\"\")","v":""},{"$f":"IF(AND(H47=1,H46=2,H43>0),\"High\",\"\")","v":""}]
[null,"VH=0, H=1, VL=0, L=0, (H)",">",{"$f":"IF(AND(D47=0,D46=1,D43=0,D44=0),\"High\",\"\")","v":""},{"$f":"IF(AND(E47=0,E46=1,E43=0,E44=0),\"High\",\"\")","v":""},{"$f":"IF(AND(F47=0,F46=1,F43=0,F44=0),\"High\",\"\")","v":""},{"$f":"IF(AND(G47=0,G46=1,G43=0,G44=0),\"High\",\"\")","v":""},{"$f":"IF(AND(H47=0,H46=1,H43=0,H44=0),\"High\",\"\")","v":""}]
[null,"VH=0, H=1, VL=1 OR L=1, (M)",">",{"$f":"IF(AND(D47=0,D46=1,(OR(D43>0,D44>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(E47=0,E46=1,(OR(E43>0,E44>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(F47=0,F46=1,(OR(F43>0,F44>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(G47=0,G46=1,(OR(G43>0,G44>0))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(H47=0,H46=1,(OR(H43>0,H44>0))),\"Medium\",\"\")","v":""}]
[null,"VH=0, H=2, (VL>1 OR L>1), (M)",">",{"$f":"IF(AND(D47=0,D46=2,(OR(D43>1,D44>1))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(E47=0,E46=2,(OR(E43>1,E44>1))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(F47=0,F46=2,(OR(F43>1,F44>1))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(G47=0,G46=2,(OR(G43>1,G44>1))),\"Medium\",\"\")","v":""},{"$f":"IF(AND(H47=0,H46=2,(OR(H43>1,H44>1))),\"Medium\",\"\")","v":""}]
[null,"VH=0, H=2, VL=1, L=1), (M)",">",{"$f":"IF(AND(D47=0, D46=2, D43=1,D44=1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(E47=0, E46=2, E43=1,E44=1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(F47=0, F46=2, F43=1,F44=1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(G47=0, G46=2, G43=1,G44=1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(H47=0, H46=2, H43=1,H44=1),\"Medium\",\"\")","v":""}]
[null,"VH=0, H=2, (VL=0 OR L=0), (H)",">",{"$f":"IF(AND(D47=0,D46=2,D45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(E47=0,E46=2,E45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(F47=0,F46=2,F45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(G47=0,G46=2,G45>1),\"High\",\"\")","v":""},{"$f":"IF(AND(H47=0,H46=2,H45>1),\"High\",\"\")","v":""}]
[null,"VH=0, H>2, (H)",">",{"$f":"IF(AND(D47=0,D46>2),\"High\",\"\")","v":""},{"$f":"IF(AND(E47=0,E46>2),\"High\",\"\")","v":""},{"$f":"IF(AND(F47=0,F46>2),\"High\",\"\")","v":""},{"$f":"IF(AND(G47=0,G46>2),\"High\",\"\")","v":""},{"$f":"IF(AND(H47=0,H46>2),\"High\",\"\")","v":""}]
[null,"VH=0, H=0, M>1, (M)",">",{"$f":"IF(AND(D47=0,D46=0,D45>1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(E47=0,E46=0,E45>1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(F47=0,F46=0,F45>1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(G47=0,G46=0,G45>1),\"Medium\",\"\")","v":""},{"$f":"IF(AND(H47=0,H46=0,H45>1),\"Medium\",\"\")","v":""}]
[null,"VH=0, H=0, M=1, VL<>L, (max count [VL, L])",">",{"$f":"IF(AND(D47=0,D46=0,D45=1,D43<>D44),(VLOOKUP((MAX(D43:D44)),D43:I44,6,FALSE)),\"\")","v":""},{"$f":"IF(AND(E47=0,E46=0,E45=1,E43<>E44),(VLOOKUP((MAX(E43:E44)),E43:F44,3,FALSE)),\"\")","v":""},{"$f":"IF(AND(F47=0,F46=0,F45=1,F43<>F44),(VLOOKUP((MAX(F43:F44)),F43:G44,3,FALSE)),\"\")","v":""},{"$f":"IF(AND(G47=0,G46=0,G45=1,G43<>G44),(VLOOKUP((MAX(G43:G44)),G43:I44,3,FALSE)),\"\")","v":""},{"$f":"IF(AND(H47=0,H46=0,H45=1,H43<>H44),(VLOOKUP((MAX(H43:H44)),H43:I44,2,FALSE)),\"\")","v":""}]
[null,"VH=0, H=0, M=1, VL=L, (L)",">",{"$f":"IF(AND(D47=0,D46=0,D45=1,D43=D44),\"Low\",\"\")","v":"Low"},{"$f":"IF(AND(E47=0,E46=0,E45=1,E43=E44),\"Low\",\"\")","v":"Low"},{"$f":"IF(AND(F47=0,F46=0,F45=1,F43=F44),\"Low\",\"\")","v":"Low"},{"$f":"IF(AND(G47=0,G46=0,G45=1,G43=G44),\"Low\",\"\")","v":"Low"},{"$f":"IF(AND(H47=0,H46=0,H45=1,H43=H44),\"Low\",\"\")","v":"Low"}]
[]
[null,null,null,{"$f":"D55&D56&D57&D59&D61&D62&D63&D64&D66&D66&D67&D68&D69","v":"Low"},{"$f":"E55&E56&E57&E59&E61&E62&E63&E64&E66&E66&E67&E68&E69","v":"Low"},{"$f":"F55&F56&F57&F59&F61&F62&F63&F64&F66&F66&F67&F68&F69","v":"Low"},{"$f":"G55&G56&G57&G59&G61&G62&G63&G64&G66&G66&G67&G68&G69","v":"Low"},{"$f":"H55&H56&H57&H59&H61&H62&H63&H64&H66&H66&H67&H68&H69","v":"Low"}]
[null,null,null,{"$f":"IF(D55<>\"\",D55,IF(D56<>\"\",D56,IF(D57<>\"\",D57,IF(D58<>\"\",D58,IF(D59<>\"\",D59,IF(D60<>\"\",D60,IF(D61<>\"\",D61,IF(D62<>\"\",D62,IF(D63<>\"\",D63,IF(D64<>\"\",D64,IF(D65<>\"\",D65,IF(D66<>\"\",D66,IF(D69<>\"\",D69,IF(D67<>\"\",D67,IF(D68<>\"\",D68,\"Answer all questions\")))))))))))))))","v":"Low"},{"$f":"IF(E55<>\"\",E55,IF(E56<>\"\",E56,IF(E57<>\"\",E57,IF(E58<>\"\",E58,IF(E59<>\"\",E59,IF(E60<>\"\",E60,IF(E61<>\"\",E61,IF(E62<>\"\",E62,IF(E63<>\"\",E63,IF(E64<>\"\",E64,IF(E65<>\"\",E65,IF(E66<>\"\",E66,IF(E69<>\"\",E69,IF(E67<>\"\",E67,IF(E68<>\"\",E68,\"Answer all questions\")))))))))))))))","v":"Low"},{"$f":"IF(F55<>\"\",F55,IF(F56<>\"\",F56,IF(F57<>\"\",F57,IF(F58<>\"\",F58,IF(F59<>\"\",F59,IF(F60<>\"\",F60,IF(F61<>\"\",F61,IF(F62<>\"\",F62,IF(F63<>\"\",F63,IF(F64<>\"\",F64,IF(F65<>\"\",F65,IF(F66<>\"\",F66,IF(F69<>\"\",F69,IF(F67<>\"\",F67,IF(F68<>\"\",F68,\"Answer all questions\")))))))))))))))","v":"Low"},{"$f":"IF(G55<>\"\",G55,IF(G56<>\"\",G56,IF(G57<>\"\",G57,IF(G58<>\"\",G58,IF(G59<>\"\",G59,IF(G60<>\"\",G60,IF(G61<>\"\",G61,IF(G62<>\"\",G62,IF(G63<>\"\",G63,IF(G64<>\"\",G64,IF(G65<>\"\",G65,IF(G66<>\"\",G66,IF(G69<>\"\",G69,IF(G67<>\"\",G67,IF(G68<>\"\",G68,\"Answer all questions\")))))))))))))))","v":"Low"},{"$f":"IF(H55<>\"\",H55,IF(H56<>\"\",H56,IF(H57<>\"\",H57,IF(H58<>\"\",H58,IF(H59<>\"\",H59,IF(H60<>\"\",H60,IF(H61<>\"\",H61,IF(H62<>\"\",H62,IF(H63<>\"\",H63,IF(H64<>\"\",H64,IF(H65<>\"\",H65,IF(H66<>\"\",H66,IF(H69<>\"\",H69,IF(H67<>\"\",H67,IF(H68<>\"\",H68,\"Answer all questions\")))))))))))))))","v":"Low"}]
[]
[null,"+"]
[null,"Borrower - Grading Rules"]
[null,"VH>0, (VH)",">",{"$f":"IF(D52>0,\"Very High\",\"\")","v":""},{"$f":"IF(E52>0,\"Very High\",\"\")","v":""},{"$f":"IF(F52>0,\"Very High\",\"\")","v":""},{"$f":"IF(G52>0,\"Very High\",\"\")","v":""},{"$f":"IF(H52>0,\"Very High\",\"\")","v":""}]
[null,"VH=0, H>0, (H)",">",{"$f":"IF(AND(D51>0,D52=0),\"High\",\"\")","v":""},{"$f":"IF(AND(E51>0,E52=0),\"High\",\"\")","v":""},{"$f":"IF(AND(F51>0,F52=0),\"High\",\"\")","v":""},{"$f":"IF(AND(G51>0,G52=0),\"High\",\"\")","v":""},{"$f":"IF(AND(H51>0,H52=0),\"High\",\"\")","v":""}]
[null,"Ind=L, Buss=L, Bnk=M, Stat=M, Fin=L, Crdt=M, Cust = Existing (L)",">",{"$f":"IF(AND(D24=2,D25=2,D26=3,D27=3,D28=3,D81=\"\"),IF(custstatus=\"New to Bank\",K15,\"Low\"),\"\")","v":""},{"$f":"IF(AND(E24=2,E25=2,E26=3,E27=3,E28=3),\"Low\",\"\")","v":""},{"$f":"IF(AND(F24=2,F25=2,F26=3,F27=3,F28=3),\"Low\",\"\")","v":""},{"$f":"IF(AND(G24=2,G25=2,G26=3,G27=3,G28=3),\"Low\",\"\")","v":""},{"$f":"IF(AND(H24=2,H25=2,H26=3,H27=3,H28=3,H81=\"\"),IF(custstatus=\"New to Bank\",K15,\"Low\"),\"\")","v":""},null,{"$f":"IF(AND(H24=2,H25=2,H26=3,H27=3,H28=3,H81=\"\"),\"Low\",\"\")","v":""}]
[null,"Ind=VL, Buss=VL, Bnk=M, Stat=M, Fin=L, Crdt=M, Cust = Existing (VL)",">",{"$f":"IF(AND(D24=1,D25=1,D26=3,D27=3,D28=3,D81=\"\"), IF(custstatus=\"New to Bank\",K15,\"Very Low\"),\"\")","v":""},{"$f":"IF(AND(E24=1,E25=1,E26=3,E27=3,E28=3),\"Very Low\",\"\")","v":""},{"$f":"IF(AND(F24=1,F25=1,F26=3,F27=3,F28=3),\"Very Low\",\"\")","v":""},{"$f":"IF(AND(G24=1,G25=1,G26=3,G27=3,G28=3),\"Very Low\",\"\")","v":""},{"$f":"IF(AND(H24=1,H25=1,H26=3,H27=3,H28=3,H81=\"\"),IF(custstatus=\"New to Bank\",K15,\"Very Low\"),\"\")","v":""},null,{"$f":"IF(AND(H24=1,H25=1,H26=3,H27=3,H28=3,H81=\"\"),\"Very Low\",\"\")","v":""}]
[null,"Ind=VL/L, Buss=L/VL, Bnk=M, Stat=M, Fin=L, Crdt=M, Cust = Existing (L)",null,{"$f":"IF(AND(D24=2,D25=1,D26=3,D27=3,D28=3,D81=\"\"), IF(custstatus=\"New to Bank\",K15,\"Low\"),IF(AND(D24=1,D25=2,D26=3,D27=3,D28=3,D81=\"\"), IF(custstatus=\"New to Bank\",K15,\"Low\"),\"\"))","v":""},{"$f":"IF(AND(E24=2,E25=1,E26=3,E27=3,E28=3,E81=\"\"), IF(custstatus=\"New to Bank\",L15,\"Low\"),IF(AND(E24=1,E25=2,E26=3,E27=3,E28=3,E81=\"\"), IF(custstatus=\"New to Bank\",L15,\"Low\"),\"\"))","v":""},{"$f":"IF(AND(F24=2,F25=1,F26=3,F27=3,F28=3,F81=\"\"), IF(custstatus=\"New to Bank\",M15,\"Low\"),IF(AND(F24=1,F25=2,F26=3,F27=3,F28=3,F81=\"\"), IF(custstatus=\"New to Bank\",M15,\"Low\"),\"\"))","v":""},{"$f":"IF(AND(G24=2,G25=1,G26=3,G27=3,G28=3,G81=\"\"), IF(custstatus=\"New to Bank\",N15,\"Low\"),IF(AND(G24=1,G25=2,G26=3,G27=3,G28=3,G81=\"\"), IF(custstatus=\"New to Bank\",N15,\"Low\"),\"\"))","v":""},{"$f":"IF(AND(H24=2,H25=1,H26=3,H27=3,H28=3,H81=\"\"), IF(custstatus=\"New to Bank\",O15,\"Low\"),IF(AND(H24=1,H25=2,H26=3,H27=3,H28=3,H81=\"\"), IF(custstatus=\"New to Bank\",O15,\"Low\"),\"\"))","v":""}]
[null,"Cust=NTB, VH=0, H=0, (M)",null,{"$f":"IF(AND('Pre-qualifying Tool'!$G$34=\"New to Bank\",'MSBCA Calculator 2'!D76=\"\",'MSBCA Calculator 2'!D77=\"\"),\"Medium\",\"\")","v":""},null,null,null,{"$f":"IF(AND('Pre-qualifying Tool'!$G$34=\"New to Bank\",'MSBCA Calculator 2'!H76=\"\",'MSBCA Calculator 2'!H77=\"\"),\"Medium\",\"\")","v":""},null,{"$f":"J78&J79","v":""}]
[null,"All 4 rules not met, (M)",">",{"$f":"IF(AND(D76=\"\",D77=\"\",D78=\"\",D79=\"\",D81=\"\",D80=\"\"),\"Medium\",\"\")","v":"Medium"},{"$f":"IF(AND(E76=\"\",E77=\"\",E78=\"\",E79=\"\",E81=\"\",E80=\"\"),\"Medium\",\"\")","v":"Medium"},{"$f":"IF(AND(F76=\"\",F77=\"\",F78=\"\",F79=\"\",F81=\"\",F80=\"\"),\"Medium\",\"\")","v":"Medium"},"Medium","Medium"]
[]
[null,null,null,{"$f":"D76&D77&D78&D79&D81&D82&D80","v":"Medium"},{"$f":"E76&E77&E78&E79&E81&E82&E80","v":"Medium"},"Medium","Medium",{"$f":"H76&H77&H78&H79&H81&H82&H80","v":"Medium"}]
[null,null,null,{"$f":"IF(D80<>\"\",D80,IF(D76<>\"\",D76,IF(D77<>\"\",D77,IF(D78<>\"\",D78,IF(D79<>\"\",D79,IF(D81<>\"\",D81,IF(D82<>\"\",D82,\"\")))))))","v":"Medium"},{"$f":"IF(E80<>\"\",E80,IF(E76<>\"\",E76,IF(E77<>\"\",E77,IF(E78<>\"\",E78,IF(E79<>\"\",E79,IF(E81<>\"\",E81,IF(E82<>\"\",E82,\"\")))))))","v":"Medium"},"Medium","Medium",{"$f":"IF(H80<>\"\",H80,IF(H76<>\"\",H76,IF(H77<>\"\",H77,IF(H78<>\"\",H78,IF(H79<>\"\",H79,IF(H81<>\"\",H81,IF(H82<>\"\",H82,\"Answer all questions\")))))))","v":"Medium"},{"$f":"IF(S14>0,IF(VLOOKUP(H85,$K$7:$L$11,2,FALSE)>3,VLOOKUP(H85,$K$7:$L$11,2,FALSE),3),VLOOKUP(H85,$K$7:$L$11,2,FALSE))","v":3},{"$f":"VLOOKUP(I85,L7:M11,2,FALSE)","v":"Medium"}]
[]
[]
[]
[null,"MSBCA Framework Inpurt: Loan Purpose"]
[null,null,null,"Loan Purpose","Risk Grade","Score","Loan Purpose"]
[null,"Loan Purpose 1",">",{"$f":"loanpurpose1","v":"Please select loan purpose"},{"$f":"IF(loanpurpose1<>\"\",VLOOKUP(loanpurpose1,'Dropdown Menu'!P4:Q15,2,FALSE),\"-\")","v":" - "},{"$f":"IF(E91=\"-\",\"\",IF(E91=\"Very Low\",1,IF(E91=\"Low\",2,IF(E91=\"Medium\",3,IF(E91=\"High\",4,IF(E91=\"Very High\",5,\"\"))))))","v":""},{"$f":"D91","v":"Please select loan purpose"}]
[null,"Loan Purpose 2",">",{"$f":"loanpurpose2","v":"Please select loan purpose"},{"$f":"IF(loanpurpose2<>\"\",VLOOKUP(loanpurpose2,'Dropdown Menu'!P4:Q15,2,FALSE),\"-\")","v":" - "},{"$f":"IF(E92=\"-\",\"\",IF(E92=\"Very Low\",1,IF(E92=\"Low\",2,IF(E92=\"Medium\",3,IF(E92=\"High\",4,IF(E92=\"Very High\",5,\"\"))))))","v":""},{"$f":"D92","v":"Please select loan purpose"}]
[null,"Loan Purpose 3",">",{"$f":"loanpurpose3","v":"Please select loan purpose"},{"$f":"IF(loanpurpose3<>\"\",VLOOKUP(loanpurpose3,'Dropdown Menu'!P4:Q15,2,FALSE),\"-\")","v":" - "},{"$f":"IF(E93=\"-\",\"\",IF(E93=\"Very Low\",1,IF(E93=\"Low\",2,IF(E93=\"Medium\",3,IF(E93=\"High\",4,IF(E93=\"Very High\",5,\"\"))))))","v":""},{"$f":"D93","v":"Please select loan purpose"}]
[null,"Loan Purpose 4",">",{"$f":"loanpurpose4","v":"Please select loan purpose"},{"$f":"IF(loanpurpose4<>\"\",VLOOKUP(loanpurpose4,'Dropdown Menu'!P4:Q15,2,FALSE),\"-\")","v":" - "},{"$f":"IF(E94=\"-\",\"\",IF(E94=\"Very Low\",1,IF(E94=\"Low\",2,IF(E94=\"Medium\",3,IF(E94=\"High\",4,IF(E94=\"Very High\",5,\"\"))))))","v":""},{"$f":"D94","v":"Please select loan purpose"}]
[]
[null,"FINAL - Loan Purpose",">",{"$f":"VLOOKUP(MAX(F91:F94),F91:G94,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"IF(F96=0,\"-\",IF(F96=1,\"Very Low\",IF(F96=2,\"Low\",IF(F96=3,\"Medium\",IF(F96=4,\"High\",IF(F96=5,\"Very High\",\"\"))))))","v":"-"},{"$f":"MAX(F91:F94)","v":0}]

{"sheet":"MSBCA Framework","index":14,"n_rows":22,"n_cols":9,"rows_kept":22,"cut":false,"hidden":true,"merged":[[21,4,21,6],[21,7,21,9],[18,3,18,8],[10,3,13,3],[14,3,14,8],[16,3,16,8],[10,7,13,7],[10,8,13,8],[8,4,8,5],[6,4,6,5],[5,4,5,5],[2,3,2,8],[10,4,13,5],[9,3,9,8]]}
[]
[null,null,null,"MSBCA Risk Framework","Very Low","Low","Medium","High","Very High"]
[null,null,null,"Borrower"]
[null,null,null,"Time in Industry","+ 10 years","5-10 years","2-5 years","< 2 years","New to Industry"]
[null,null,null,"Time in Business","+ 10 years","5-10 years","2-5 years","< 2 years","Start Up Business"]
[null,null,null,"Bank Account Conduct",null,null,"Bank Accounts have no history of excesses in last 6 mths","Bank accounts have history of excesses or arrears","Bank accounts have current arrears or excess"]
[null,null,null,"Statutory Payments",null,null,"ATO payments are lodged and up to date","ATO payments are lodged with arrangements in place","ATO payments are not lodged and/or no arrangements are in place"]
[null,null,null,"Financial Management",null,"More detailed financial info prepared & data monitored within business:\nE.g. cash flows, debtor/creditor listing \n\nInternal bookkeeper/accountant exists","Financials are accountant prepared and up to date \nUse of proven accounting system and a registered Accountant","No financial info is available\nAccountant prepared financials not available"]
[null,null,null,"Credit History",null,null,"Clear Credit Check\n- May include 2 paid defaults from phone or utility cost <$500 over last 12 months","Adverse Credit Check \n- Paid defaults","Adverse Credit Check\n- Unpaid defaults\n- judgements\n\nCurrent NAB eCRS is above 21"]
[null,null,null,"Purpose"]
[null,null,null,"Purpose",null,null,"Working capital","Debt Consolidation","ATO Arrears Payout"]
[null,null,null,null,null,null,"Refinance"]
[null,null,null,null,null,null,"Buy Business or Fund Renovations to business"]
[null,null,null,null,null,null,"Any Asset Finance/Purchase"]
[null,null,null,"Serviceability"]
[null,null,null,"Debt Servicing Cover",">3 x","1.5>=3 x","1 >=1.5 x","0.5  > 1 x","<= 0.5 x"]
[null,null,null,"Statement of Position"]
[null,null,null,"Risk Adjusted Basis",">2.0 x","+1.5x>=2x","+1.25x>=1.5 x","1.0x>=1.25x","< 1.0x"]
[null,null,null,"Security"]
[null,null,null,"Security (LBVR)",null,"Cat A/B","Cat C/D","Cat E-J"]
[]
[null,null,null,null,"DCA LVL 5",null,null,"DCA LVL 3"]

{"sheet":"Industries","index":15,"n_rows":27,"n_cols":2,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
[]
["Category","DCA"]
["Environmental Risk and the Nuclear Industry",2]
["Industry Sectors, Types of Customers and Credit Facilities not Actively Pursued"]
["Interest or Fees Capitalisation"]
["Lending to a Dental Practice"]
["Lending to a General Medical Practice"]
["Lending to Construction Companies ",3]
["Lending to Home Builders",5]
["Lending to Hotels"]
["Lending to Housing Co-operatives"]
["Lending to Professional Equity Partners"]
["Lending to Self Managed Superannuation Funds"]
["Lending to the Accounting Industry"]
["Lending to the Financial Planning Industry"]
["Lending to the Franchising Sector  (Accredited Brand Franchisee)"]
["Lending to the Mining Industry and Mining Services"]
["Lending to the Pharmacy Industry"]
["Lending to the Real Estate Industry"]
["Lending to the Residential Aged Care Industry"]
["Lending to the Roman Catholic Church"]
["Lending to the Uniting Church"]
["Lending to the Veterinary Industry"]
["NAB Microenterprise Loans",3]
["New and/or Increased Lending – up to $2 million aggregated business lending",3]
["Property Lending"]
["Stratum Titles"]

{"sheet":"Sheet1","index":16,"n_rows":26,"n_cols":1,"rows_kept":26,"cut":false,"hidden":true,"merged":[]}
["Feedback Eli (previous Westpac banker, has seen the risks and mitigants)"]
[]
["How long would this take?"]
["I would need to test a scenario through this regarding how long this would take?"]
["LVR"]
["Calculates LVR manually"]
[]
["Security Table - would be helpful if we're trying to mirror what they have somewhere else (trying to bring someone across and mirror, and trying to mirror what the bank can use). It would not be helpful for the straight forward conversation"]
[]
[]
["Positives"]
["From a credit point of view - it's all there"]
[]
["You're aksing me to do your job"]
[]
["Brokers will ask - is it worth my while? Why am I doing all this work for this, when I can do Resi? How much work is a Resi broker trying to do to win this business?"]
["It will become a long process of back and forth"]
["The Tool is good ffor someone who has been in this space. Someone starting in business, would see this as a nightmare"]
["Client must know Broker understands"]
["Will this deal service and do I have enough security"]
["Capability - Resi to become commercial (too complicated)"]
["Training - basic financials analysis (i.e Leases are off balance sheet but are required in the Tool) *GOLD"]
["End result needs to be positive"]
["Training preference - online training (keep going back and forth over training) - experienced this when doing a book keeping course online"]
["2 hour live session (combination of face to face and online)"]
["Accreditation - why do you want this? Show us the need? If we want quality coming through. Otherwise it's a waste of our resources and their time"]

{"sheet":"Sheet2","index":17,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"Sheet3","index":18,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"High Risk Postcodes","index":19,"n_rows":200,"n_cols":3,"rows_kept":200,"cut":false,"hidden":true,"merged":[[199,0,199,2]]}
["click here to view source",null,"No longer published in Credit Policy, updated details to be provided by the Home Lending Credit Portfolio Management team (recommend periodically cross-checking reconciliation)"]
[]
[]
["State","City/Postcode","Suburb"]
["WA","6390","Bannister, Boddington, Crossman, Lower Hotham, Marradong, Mount Cooke, Mount Wells, North Bannister, Ranford, Upper Murray, Wuraming"]
["WA","6429","Boorabbin, Bullabulling, Coolgardie, Karramindie, Londonderry, Mount Burges, Victoria Rock, Wallaroo"]
["WA","6436","Menzies, Ularring"]
["WA","6437","Leinster, Sir Samuel"]
["WA","6438","Leonora, Lake Darlot"]
["WA","6440","Bandya, Beadell, Cosmo Newbery, Lake Wells, Laverton, Neale"]
["WA","6442","Kambalda East, Kambalda West"]
["WA","6642","Angelo River, Capricorn, Karalundi, Kumarina, Meekatharra, Peak Hill"]
["WA","6646","Wiluna, Lake Carnegie, Little Sandy Desert"]
["WA","6710","Cane, Onslow, Peedamulla, Talandji, Yannarie"]
["WA","6713","Dampier Archipelago, Dampier"]
["WA","6714","Antonymyre, Balla Balla, Banynton, Bulgarra, Burrup, Cleaverville, Cooya Pooya, Gap Ridge, Gnoorea, Karratha, Karratha Industrial Estate, Maitland, Mardie, Millars Well, Mulataga, Nickol, Pegs Creek, Sherlock, Stove Hill"]
["WA","6716","Pannawonica, Fortescue, Hamersley Range, Millstream"]
["WA","6718","Roebourne, Whim Creek"]
["WA","6720","Cossack, Point Samson, Wickham"]
["WA","6721","Indee, Mundabullangana, Pardoo, Port Hedland, Redbank, Strelley, Wallareenya, Wedgefield"]
["WA","6722","Boodarie, De Grey, Finucane, Pippingarra, South Hedland"]
["WA","6725"," Bilingurr , Broome , Dampier Peninsula , Djugun , Eighty Mile Beach , Gingerah , Lagrange , Minyirr , Roebuck , Waterbank"]
["WA","6728"," Camballin , Derby , Geegully Creek , King Leopold Ranges , Meda , St George Ranges , Willare"]
["WA","6751","Chichester, Innawanga, Juna Downs, Karijini, Mount Sheila, Mulga Downs, Nanutarra, Rocklea, Tom Price, Wittenoom"]
["WA","6753","Newman"]
["WA","6754","Paraburdoo"]
["WA","6758","Nullagine"]
["WA","6760","Marble Bar"]
["QLD","4413","Auburn, Baking Board, Barakula, Blackswamp, Boonarga, Burncluith, Cameby, Canaga, Chances Plain, Chinchilla, Crossroads, Durah, Fairyland, Goombi, Greenswamp, Hopeland, Kragra, Montrose, Pelican, Red Hill, Rywung, Sujeewong, Wieambilla"]
["QLD","4415","Columboola, Dalwogon, Gurulmundi, Hookswood, Kowguran, Miles, Myall Park, Pelham"]
["QLD","4420","Baroondah, Broadmere, Coorada, Eurombah, Ghinghinda, Glebe, Glenhaughton, Gwambegwine, Kinnoul, Spring Creek, Taroom"]
["QLD","4455","Ballaroo, Blythdale, Bungeworgorai, Bungil, Bymount, Cornwall, Dargal Road, Eumamurrin, Euthulla, Gunnewin, Hodgson, Mooga, Mount Abundance, Mount Bindango, Orallo, Orange Hill, Roma, Tingun, Wycombe"]
["QLD","4521","Campbells Pocket, Dayboro, King Scrub, Laceys Creek, Mount Mee, Mount Pleasant, Ocean View, Rush Creek"]
["QLD","4581","Eurong, Fraser Island, Inskip, Rainbow Beach"]
["QLD","4660","Abington, Apple Tree Creek, Buxton, Cherwell, Childers, Cordalba, Doolbi, Eureka, Fransfield, Goodwood, Gregory River, Horton, Isis Central, Isis River, Kullogum, North Gregory, North Isis, Promisedland, Redridge, South Isis, Woodgate"]
["QLD","4674","Baffle Creek, Berajondo, Deepwater, Euleilah, Mount Maria, Oyster Creek, Rosedale, Rules Beach, Taunton"]
["QLD","4678","Bororen, Foreshores, Rodds Bay, Turkey Beach"]
["QLD","4680","Gladstone"]
["QLD","4715","Biloela, Callide, Castle Creek, Dakenba, Dumgree, Greycliffe, Mount Murchison, Orange Creek, Prospect, Tarramba, Valentine Plains"]
["QLD","4717","Blackwater"]
["QLD","4720","Emerald, Yamala"]
["QLD","4737","Armstrong Beach, Blue Mountain, Campwin Beach, Freshwater Point, Sarina, Sarina Beach, Sarina Range, Sunnyside"]
["QLD","4738","Ilbilbie, Koumala"]
["QLD","4740","Mackay Region"]
["QLD","4741","Ball Bay , Brightly , Clairview , Coppabella , Epsom , Eton , Eungella Hinterland , Farleigh , Gargett , Hampden , Hazledean , Kinchant Dam , Kuttabul, Mount Charlton , Mount Ossa , Mount Pelion , North Eton , Oakenden , Owens Creek , Pinnacle , Pleystowe , Seaforth , Yalboroo"]
["QLD","4742","Burton , Eaglefield , Elphinstone , Hail Creek , Kemmis , Mount Britton , Nebo , Oxford , Strathfield , Turrawulla , Valkyrie"]
["QLD","4743","Suttor, Glenden"]
["QLD","4744","Moranbah"]
["QLD","4745","Dysart"]
["QLD","4746","May Downs, Middlemount"]
["QLD","4800","Andromache , Brandy Creek , Breadalbane , Cannon Valley , Cape Conway , Cape Gloucester , Conway , Conway Beach , Crystal Brook , Dingo Beach , Dittmer , Foxdale , Glen Isla , Goorganga Creek , Goorganga Plains , Gregory River , Gunyarra , Hamilton Plains , Hideaway Bay , Kelsey Creek , Laguna Quays , Lake Proserpine , Lethebrook , Mount Julian , Mount Marlow , Mount Pluto , Myrtlevale , Palm Grove , Pauls Pocket , Preston , Proserpine , Riordanvale , Silver Creek , Strathdickie , Sugarloaf , Thoopara , Wilson Beach"]
["QLD","4804","Collinsville , Mount Coolon , Mount Wyatt , Newlands , Scottville , Springlands"]
["QLD","4805"," Bogie, Bowen, Gumlu, Guthalungra, Merinda, Queens Beach"]
["QLD","4820"," Alabama Hill , Basalt , Belyando , Black Jack , Breddan , Broughton , Campaspe , Columbia , Dotswood , Grand Secret , Lissner , Llanarth , Millchester , Mosman Park , Queenton , Richmond Hill , Seventy Mile , Southern Cross , Toll , Towers Hill"]
["SA/NT","5600","Whyalla , Whyalla Playford"]
["SA/NT","5601","Backy Point , Cultana , Douglas Point , Douglas Point South , False Bay , Fitzgerald Bay , Iron Baron , Iron Knob , Mullaquana , Point Lowly , Point Lowly North , Port Bonython"]
["SA/NT","5608","Whyalla Norrie , Whyalla Stuart"]
["SA/NT","5609","Whyalla Jenkins"]
["SA/NT","5725","Olympic Dam, Roxby Downs, Roxby Downs Station"]
["SA/NT","0885","Alyangula"]
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["end of range"]

{"sheet":"Borrower Risk Grade Calc","index":20,"n_rows":8,"n_cols":16,"rows_kept":8,"cut":false,"hidden":true,"merged":[]}
[null,null,"Initial Score","Initial Values",null,null,"Final Score","Final Value",null,null,null,"Values Lookup Table",null,null,"Range Cutoffs"]
[null,"Industry Experience",{"$f":"'Pre-qualifying Tool'!I39","v":"-"},{"$f":"VLOOKUP(C2,$L$2:$M$6,2,0)","v":{"$error":"#N/A"}},null,null,{"$f":"'Pre-qualifying Tool'!M39","v":"-"},{"$f":"VLOOKUP(G2,$L$2:$M$6,2,0)","v":{"$error":"#N/A"}},null,null,null,"Very Low",1,null,0,"-"]
[null,"Time in Business",{"$f":"'Pre-qualifying Tool'!I43","v":"-"},{"$f":"VLOOKUP(C3,$L$2:$M$6,2,0)","v":{"$error":"#N/A"}},null,null,{"$f":"'Pre-qualifying Tool'!M43","v":"-"},{"$f":"VLOOKUP(G3,$L$2:$M$6,2,0)","v":{"$error":"#N/A"}},null,null,null,"Low",2,null,31,"Very Low"]
[null,"Bank Account Conduct",{"$f":"'Pre-qualifying Tool'!I47","v":"-"},{"$f":"VLOOKUP(C4,$L$2:$M$6,2,0)","v":{"$error":"#N/A"}},null,null,{"$f":"'Pre-qualifying Tool'!M47","v":"-"},{"$error":"#N/A"},null,null,null,"Medium",9,null,32,"Low"]
[null,"Statutory Obligations",{"$f":"'Pre-qualifying Tool'!I51","v":"-"},{"$error":"#N/A"},null,null,{"$f":"'Pre-qualifying Tool'!M51","v":"-"},{"$error":"#N/A"},null,null,null,"High",36,null,34,"Medium"]
[null,"Financial Management",{"$f":"'Pre-qualifying Tool'!#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,{"$f":"'Pre-qualifying Tool'!#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,"Very High",200,null,55,"High"]
[null,"Credit History",{"$f":"'Pre-qualifying Tool'!I55","v":"-"},{"$error":"#N/A"},null,null,{"$f":"'Pre-qualifying Tool'!M55","v":"-"},{"$error":"#N/A"},null,null,null,null,null,null,217,"Very High"]
[null,"Initial Cutoff",null,{"$f":"IFERROR(D7+D6+D5+D4+D3+D2,0)","v":0},{"$f":"VLOOKUP(D8,$O$2:$P$8,2,1)","v":"-"},null,null,{"$f":"IFERROR(H7+H6+H5+H4+H3+H2,0)","v":0},{"$f":"VLOOKUP(H8,$O$2:$P$8,2,1)","v":"-"},null,null,null,null,null,1037]