full search form
Register button
Search
Close

Consolidated Group At  31 December 2013

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 718.32

Deductions from Tier 1 Capital ($ 82.50)
Total Tier 1 Capital $ 635.82
Tier 2 Capital net of deductions $ 12.26
Total Capital Base $ 648.08

Capital Adequacy

 Consolidated Group
At 31 December 2013
Consolidated Group
At 30 September 2013
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,994.14

$ 2,919.18
Claims against ADI's
$ 406.80 $ 323.17

Securistisation


Personal


Commercial

$5.99


$ 389.23


$18.61

$6.62


$ 392.20


$ 18.53

All other claims
$ 27.26 $ 61.03

Market Risk

$ NIL

$ NIL
Operational Risk $ 548.57 $ 533.90

Capital Ratios


Tier 1 Capital Ratio for the group

14.48 %

14.77 %

Total Capital Ratio for the group 14.76 % 15.06 %

Credit Risk Exposure

Consolidated Group At 31 December 2013 $ 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

$ 7,149.37

$ 7,166.37

$ 62.44

$ 6.13

$ 5.76

$ 2.81

Unsecured
$ 381.68 $ 374.39 $ 5.64 $ 0.03 $ 4.20 $ 1.64

Total Loans and Advances

$ 7,531.05

$ 7,540.76

$ 68.08

$ 6.16

$ 9.96

$ 4.45

Liquidity Investments $ 1,303.57 $ 1,124.11     
General Reserve for Credit Losses $ 12.26 $ 12.26     
Consolidated Group At 30 September 2013 $ 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

$ 7,153.40

$ 7,080.00

$ 55.08

$ 3.15

$ 2.95

$0.17

Unsecured
$ 342.60 $ 343.02 $ 4.50 $ 0.03 $ 3.28 $ 1.53

Total Loans and Advances

$ 7,496.00

$ 7,423.02

$ 59.58

$ 3.18

$ 6.23

$ 1.70

Liquidity Investments $ 1,003.65 $ 1,046.78     
General Reserve for Credit Losses $ 12.26  $ 12.26   

Securitisation

 

Consolidated Group
At 31 December 2013

$ millions

Consolidated Group
At 30 September 2013

$ millions

Current Period Securitisation Activities:

  
 Loans Sold $ 276.16  $ 0.00
Facilities Provided:   
Redraws
$ 1.45 $ 0.00
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 $ 1,013.71

$ 948.54

 Securitisation Paper Investments Held  $ NIL  $ NIL
 Swaps Held $ 5.54 $ 6.07
 Other $ 11.64  $ 15.20
Drawn Portions of Facilities:   
Redraws
$ 1.60  $ 1.35
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 1,032.49

$ 971.16

   

Off-Balance Sheet Securitisation Exposures

  
   
Housing Loans $ 1,211.04 $ 1,147.87
Swaps $ 5.86 $ 5.24
Undrawn Portion of Facilities:   
Redraws
$ 5.75 $ 5.87
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,222.65 $ 1,158.98