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Consolidated Group At 31 December 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 31 December 2011
 $ millions
Risk weighted asset value for :
Credit Risk
 

Claims against residential mortgages

$ 2,671.66

Claims against ADI’s
$ 295.55
Securistisation
Nil
All other claims
$ 855.55

Market Risk

Nil

Operational Risk $ 467.71

Capital Ratios

 
Tier 1 Capital Ratio for the group 13.69 %
Total Capital Ratio for the group 13.74 %

Credit Risk Exposure

Consolidated Group At 31 December 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

$ 7,272.79

$ 7,250.91

$ 34.61

$ 9.12

$ 2.24

-

Unsecured
$ 609.07 $ 609.51 $ 6.66 $ 4.42 $ 5.82 $ 0.55

Total Loans and Advances

$ 7,881.86

$ 7,860.42

$ 41.27

$ 13.54

$ 8.07

$ 0.55

Liquidity Investments $1,102.32 $ 1,183.46     
General Reserve for Credit Loss $ 7.99 $ 7.99