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Great Southern Bank is using the post 1 January 2018 common disclosure template because it is fully applying the Basel III regulatory adjustments as implemented by APRA.

Common Equity Tier 1 capital: instruments and reservesA$m
 1Directly issued qualifying ordinary shares (and equivalent for mutually-owned entities) capitaln/a
 2Retained earnings774
 3Accumulated other comprehensive income (and other reserves)5
 4Directly issued capital subject to phase out from CET1 (only applicable to mutually-owned companies)n/a
 5Ordinary share capital issued by subsidiaries and held by third parties (amount allowed in group CET1)n/a
 6Common Equity Tier 1 capital before regulatory adjustments779
Common Equity Tier 1 capital : regulatory adjustments
 7Prudential valuation adjustmentsn/a
 8Goodwill (net of related tax liability)n/a
 9Other intangibles other than mortgage servicing rights (net of related tax liability)48
 10Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability)n/a
 11Cash-flow hedge reserve-21
 12Shortfall of provisions to expected lossesn/a
 13Securitisation gain on sale (as set out in paragraph 562 of Basel II framework)n/a
 14Gains and losses due to changes in own credit risk on fair valued liabilitiesn/a
 15Defined benefit superannuation fund net assetsn/a
 16Investments in own shares (if not already netted off paid-in capital on reported balance sheet)n/a
 17Reciprocal cross-holdings in common equityn/a
 18Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the ADI does not own more than 10% of the issued share capital (amount above 10% threshold)n/a
 19Significant investments in the ordinary shares of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)n/a
 20Mortgage service rights (amount above 10% threshold)n/a
 21Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability)n/a
 22Amount exceeding the 15% thresholdn/a
 23of which: significant investments in the ordinary shares of financial entitiesn/a
 24of which: mortgage servicing rightsn/a
 25of which: deferred tax assets arising from temporary differencesn/a
 26National specific regulatory adjustments (sum of rows 26a, 26b, 26c, 26d, 26e, 26f, 26g, 26h, 26i and 26j)65
 26aof which: treasury sharesn/a
 26bof which: offset to dividends declared under a dividend reinvestment plan (DRP), to the extent that the dividends are used to purchase new ordinary shares issued by the ADIn/a
 26cof which: deferred fee incomen/a
 26dof which: equity investments in financial institutions not reported in rows 18, 19 and 2340
 26eof which: deferred tax assets not reported in rows 10, 21 and 253
 26fof which: capitalised expenses14
 26gof which: investments in commercial (non-financial) entities that are deducted under APRA prudential requirementsn/a
 26hof which: covered bonds in excess of asset cover in poolsn/a
 26iof which: undercapitalisation of a non-consolidated subsidiaryn/a
 26jof which: other national specific regulatory adjustments not reported in rows 26a to 26i8
 27Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover deductionsn/a
 28Total regulatory adjustments to Common Equity Tier 192
 29Common Equity Tier 1 Capital (CET1)687
Additional Tier 1 Capital: instruments
 30Directly issued qualifying Additional Tier 1 instrumentsn/a
 31of which: classified as equity under applicable accounting standardsn/a
 32of which: classified as liabilities under applicable accounting standardsn/a
 33Directly issued capital instruments subject to phase out from Additional Tier 1n/a
 34Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1)n/a
 35of which: instruments issued by subsidiaries subject to phase outn/a
 36Additional Tier 1 Capital before regulatory adjustmentsn/a
Additional Tier 1 Capital: regulatory adjustments
 37Investments in own Additional Tier 1 instrumentsn/a
 38Reciprocal cross-holdings in Additional Tier 1 instrumentsn/a
 39Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the ADI does not own more than 10% of the issued share capital (amount above 10% threshold)n/a
 40Significant investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)n/a
 41National specific regulatory adjustments (sum of rows 41a, 41b and 41c)n/a
 41aof which: holdings of capital instruments in group members by other group members on behalf of third partiesn/a
 41bof which: investments in the capital of financial institutions that are outside the scope of regulatory consolidations not reported in rows 39 and 40n/a
 41cof which: other national specific regulatory adjustments not reported in rows 41a and 41bn/a
 42Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductionsn/a
 43Total regulatory adjustments to Additional Tier 1 capitaln/a
 44Additional Tier 1 capital (AT1)n/a
 45Tier 1 Capital (T1=CET1+AT1)687
Tier 2 Capital: instruments and provisions
 46Directly issued qualifying Tier 2 instrumentsn/a
 47Directly issued capital instruments subject to phase out from Tier 2n/a
 48Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group T2)n/a
 49of which: instruments issued by subsidiaries subject to phase outn/a
 50Provisions18
 51Tier 2 Capital before regulatory adjustments18
Tier 2 Capital: regulatory adjustments
 52Investments in own Tier 2 instrumentsn/a
 53Reciprocal cross-holdings in Tier 2 instrumentsn/a
 54Investments in the Tier 2 capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the ADI does not own more than 10% of the issued share capital (amount above 10% threshold)n/a
 55Significant investments in the Tier 2 capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positionsn/a
 56National specific regulatory adjustments (sum of rows 56a, 56b and 56c)n/a
 56aof which: holdings of capital instruments in group members by other group members on behalf of third partiesn/a
 56bof which: investments in the capital of financial institutions that are outside the scope of regulatory consolidation not reported in rows 54 and 55n/a
 56cof which: other national specific regulatory adjustments not reported in rows 56a and 56bn/a
 57Total regulatory adjustments to Tier 2 capitaln/a
 58Tier 2 capital (T2)18
 59Total capital (TC=T1+T2)705
 60Total risk-weighted assets based on APRA standards4897
Capital ratios and buffers
 61Common Equity Tier 1 (as a percentage of risk-weighted assets)14.03%
 62Tier 1 (as a percentage of risk-weighted assets)14.03%
 63Total capital (as a percentage of risk-weighted assets)14.40%
 64Buffer requirement (minimum CET1 requirement of 4.5% plus capital conservation buffer of 2.5% plus any countercyclical buffer requirements expressed as a percentage of risk-weighted assets)7.00%
 65of which: capital conservation buffer requirement2.50%
 66of which: ADI-specific countercyclical buffer requirements0
 67of which: G-SIB buffer requirement (not applicable)0
 68Common Equity Tier 1 available to meet buffers (as a percentage of risk-weighted assets)6.40%
National minima (if different from Basel III)
 69National Common Equity Tier 1 minimum ratio (if different from Basel III minimum) 
 70National Tier 1 minimum ratio (if different from Basel III minimum) 
 71National total capital minimum ratio (if different from Basel III minimum) 
Amount below thresholds for deductions (not risk-weighted)
 72Non-significant investments in the capital of other financial entitiesn/a
 73Significant investments in the ordinary shares of financial entitiesn/a
 74Mortgage servicing rights (net of related tax liability)n/a
 75Deferred tax assets arising from temporary differences (net of related tax liability)n/a
Applicable caps on the inclusion of provisions in Tier 2
 76Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap)18
 77Cap on inclusion of provisions in Tier 2 under standardised approach61
 78Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap)n/a
 79Cap for inclusion of provisions in Tier 2 under internal ratings-based approachn/a
Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018 and 1 Jan 2022)
80Current cap on CET1 instruments subject to phase out arrangements
81Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)
82Current cap on AT1 instruments subject to phase out arrangements
83Amount excluded from AT1 instruments due to cap (excess over cap after redemptions and maturities)
84Current cap on T2 instruments subject to phase out arrangements
85Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)