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Consolidated Group At 30 June 2010

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 599.93

Deductions from Tier 1 Capital ($ 29.00)
Total Tier 1 Capital $ 530.93
Tier 2 Capital net of deductions $ 2.74
Total Capital Base $ 533.66

Capital Adequacy

Consolidated Group At 31 December 2010
 $ millions
Risk weighted asset value for :
Credit Risk
 

Claims against residential mortgages

$ 1,844.12

Claims against ADI’s
$ 241.12
Securistisation
$ 273.12
All other claims
$ 1,072.43

Market Risk

Nil

Operational Risk

$ 414.81

Capital Ratios

 
Tier 1 Capital Ratio for the group

14.08 %

Total Capital Ratio for the group 14.20 %

Credit Risk Exposure

Consolidated Group At 31 December 2010 $ 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

$ 4,908.33

$ 4,713.82

$ 5.25

$ 5.25

-

-

Unsecured
$ 582.15 $ 574.22 $ 7.18 $ 6.39 $ 4.49 $ 0.67

Total Loans and Advances

$ 5,490.48

$ 5,288.04

$12.43

$11.64

$ 4.49

$ 0.67

Liquidity Investments $1,073.23 $ 1,058.21     
General Reserve for Credit Losses $ 7.99 $ 7.83