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Consolidated Group At 30 June 2017

  $ millions
Tier 1 Capital  
Retained Earnings including current year earnings $891.55
Deductions from Tier 1 Capital      ($134.32)
Total Tier 1 Capital      $757.23
Tier 2 Capital net of deductions      $20.48
Total Capital Base $777.71

Capital Adequacy

  Consolidated Group
At 30 June 2017
Consolidated Group
At 31 March 2017
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,682.00 $3,851.78
Claims against ADI's
$612.09 $570.74

Securitisation

Personal

Commercial

$6.67

$437.61

$10.76

$4.76

$416.57

$10.64

All other claims
$60.97 $48.72
Market Risk $0 $0
Operational Risk $637.85 $615.86
Capital Ratios   
Tier 1 Capital Ratio for the group
13.90% 13.63%
Total Capital Ratio for the group
14.28% 14.00%

Credit Risk Exposure

Consolidated Group At 30 June 2017 $ millions

  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not impaired Specific Provisions Bad Debts Expense for the quarter
Loans and Advances          
Secured $9,200.65 $9,502.30 $7.49 $4.65 $4.46 $1.26
Unsecured
 $451.53  $436.82 $6.42 $0.00  $1.94 $0.15
Total Loans and Advances $9,652.18 $9,939.12 $13.91 $4.65 $6.40 $1.41
 Liquidity Investments       $1,769.23  $1,544.15     
General Reserve for Credit Losses $20.48 $20.29     

Consolidated Group At 31 March 2017 $ millions

  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not impaired Specific Provisions Bad Debts Expense for the quarter
Loans and Advances          
Secured $9,514.69 $9,306.98 $8.92 $7.23 $5.03 $2.29
Unsecured
 $423.51  $405.07 $6.74 $0.00  $1.79 $0.05
Total Loans and Advances $9,938.20 $9,712.05 $15.66 $7.23 $6.82 $2.34
 Liquidity Investments       $1,516.89  $1,484.15     
General Reserve for Credit Losses $20.00 $19.62   

Securitisation

 

Consolidated Group
At 30 June 2017

$ millions

Consolidated Group
At 31 March 2017

$ millions

Current Period Securitisation Activities:   
Loans Sold $485.36 $0.00
Facilities Provided:   
Redraws
$4.05 $0.00
Liquidity
$0 $0
Securitisation Paper Purchased:   
RMBS
$0 $0
ABS
$0 $0
ABCP
$0 $0
Any Other Securitisation Exposures:      $0 $0
On-Balance Sheet Securitisation Exposures        
Housing Loans $847.51 $692.85
Securitisation Paper Investments Held      $0 $0
Swaps Held $17.10 $12.05
Other $4.00 $4.01
Drawn Portions of Facilities:   
Redraws
$0.31 $0.31
Liquidity
$0 $0
Total On-Balance Sheet Securitisation Exposures $868.92 $709.22
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,872.61 $1,483.83
Swaps      $8.12 $5.03
Undrawn Portion of Facilities:        
Redraws
$10.78 $7.27
Liquidity
$0 $0
Total Off-Balance Sheet Securitisation Exposures $1,891.51 $1,496.13