The federal superannuation scheme operates alongside an employee 's award or other contractual superannuation entitlements .
联邦退休保障计划与雇员劳资裁定协议或其他具有合同约束性的退休权益一并实施操作.
The growth in average interest earning assets included an increase in personal of 11 % in lending assets , primarily in mortgages , and from growth in retail loans and one-off borrowings following superannuation legislation changes .