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Consolidated Group At 31 December 2012

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 670.45

Deductions from Tier 1 Capital ($ 50.77)
Total Tier 1 Capital $ 619.68
Tier 2 Capital net of deductions $ 2.20
Total Capital Base $ 621.88

Capital Adequacy

 Consolidated Group
At 31 Dec 2012
Consolidated Group
At 30 Sept 2012
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,729.23

$ 2,694.83
Claims against ADI’s
$ 350.40 $ 323.98

Securistisation


Personal


Commercial

$5.57


$ 336.83


$71.44

Nil


$ 339.44


$ 75.85

All other claims
$ 226.57 $ 231.07

Market Risk

Nil

Nil
Operational Risk $ 521.18 $ 490.41

Capital Ratios


Tier 1 Capital Ratio for the group

14.61 %

14.59%

Total Capital Ratio for the group 14.66 % 14.64%

Credit Risk Exposure

Consolidated Group At 31 December 2012 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not imparied Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 7,122.32

$ 7,080.23

$ 51.99

$ 5.46

$ 2.51

($0.68)

Unsecured
$ 337.14 $ 338.22 $4.39 - $ 3.23 $ 0.57

Total Loans and Advances

$ 7,459.46

$ 7,418.45

$ 56.38

$ 5.46

$ 5.74

($ 0.11)

Liquidity Investments $ 1,120.24 $ 1,140.81     
General Reserve for Credit Losses $ 9.25  $ 9.25     
Consolidated Group At 30 September 2012 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not imparied Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 6,992.78

$ 6,888.49

$ 47.93

$ 3.30

$ 3.18

$1.49

Unsecured
$ 340.26 $ 339.16 $ 4.23 - $ 3.49 $0.38

Total Loans and Advances

$ 7,333.04

$ 7,227.65

$ 52.16

$ 3.30

$ 6.67

$1.87

Liquidity Investments $ 1,112.41 $ 1,117.86     
General Reserve for Credit Losses $ 9.25  $ 9.25   

Securitisation

 

Consolidated Group
At 31 Dec 2012

$ millions

Consolidated Group
At 30 Sept 2012

$ millions

Current Period Securitisation Activities:

  
 Loans Sold  $ 95.29  $NIL
 Facilities Provided:   
Redraws
 $ NIL  $ NIL
Liquidity
 $ NIL  $ NIL
 Securitisation Paper Purchased:   
RMBS
 $ NIL  $ NIL
ABS
 $ NIL  $ NIL
ABCP
 $ NIL  $ NIL
 Any Other Securitisation Exposures:  $ NIL  $ NIL
On-Balance Sheet Securitisation Exposures  
 Housing Loans  $ 852.66  $898.95
 Securitisation Paper Investments Held  $ NIL  $ NIL
 Swaps Held  $ 10.77  $11.86
 Other  $ 12.15  $8.23
 Drawn Portions of Facilities:   
Redraws
 $ 1.62  $ 1.25
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 877.20

$ 920.29

   

Off-Balance Sheet Securitisation Exposures

  
   
 Housing Loans  $ 970.68  $ 926.09
 Swaps  $ NIL  $ NIL
 Undrawn Portion of Facilities:   
Redraws
 $ 2.28  $ 2.86
Liquidity
 $ NIL  $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 972.96 $ 928.95