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Consolidated Group At 30 June 2011

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 599.82

Deductions from Tier 1 Capital ($ 26.76)
Total Tier 1 Capital $ 573.06
Tier 2 Capital net of deductions $ 4.43
Total Capital Base $ 577.49

Capital Adequacy

Consolidated Group At 30 June 2011
 $ millions
Risk weighted asset value for :
Credit Risk
 

Claims against residential mortgages

$ 2,651.15

Claims against ADI’s
$ 373.14
Securistisation
Nil
All other claims
$ 847.42

Market Risk

Nil

Operational Risk $ 438.37

Capital Ratios

 
Tier 1 Capital Ratio for the group 13.30 %
Total Capital Ratio for the group 13.41 %

Credit Risk Exposure

Consolidated Group At 30 June 2011 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 7,205.86

$ 7,176.15

$ 3.35

$ 3.35

-

-

Unsecured
$ 605.72 $ 602.71 $ 7.40 $ 4.66 $ 4.40 $ 0.70

Total Loans and Advances

$ 7,811.58

$ 7,778.86

$10.75

$8.01

$ 4.40

$ 0.70

Liquidity Investments $1,045.77 $ 1,017.35     
General Reserve for Credit Loss $ 7.99 $ 7.99