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Consolidated Group At 31 December 2014

 $ millions
Tier 1 Capital       
 Retained Earnings including current year earnings

$ 749.16

 Deductions from Tier 1 Capital      ($ 76.03)
Total Tier 1 Capital      $ 673.13
Tier 2 Capital net of deductions      $ 18.80
Total Capital Base $ 691.93

Capital Adequacy

 Consolidated Group
At 31 December 2014
Consolidated Group
At 30 September 2014
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 3,256.53 $ 3,155.11
Claims against ADI's
$ 408.33 $ 362.25

Securitisation

Personal

Commercial

$ 8.64

$ 366.21

$ 16.81

$ 6.37

$ 370.55

$ 16.62

All other claims
$ 33.49 $ 35.06

Market Risk

$ NIL $ NIL
Operational Risk $ 553.90 $ 544.85
Capital Ratios   
Tier 1 Capital Ratio for the group
14.49% 14.87 %
Total Capital Ratio for the group
14.90% 15.26 %

Credit Risk Exposure

Consolidated Group At 31 December 2014 $ 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

$ 7,897.86

$ 7,763.50

$ 43.65

$ 8.92

$ 2.68

($ 0.04)

Unsecured
 $ 357.30  $ 360.21  $ 3.95  $ 0.00  $ 2.28  $ 1.68

Total Loans and Advances

$ 8,255.16 $ 8,123.71

$ 47.60

$ 8.92

$ 4.96

$ 1.64

 Liquidity Investments       $ 1,411.34  $ 1,252.73     
General Reserve for Credit Losses $ 18.80 $ 17.81     
Consolidated Group At 30 September 2014 $ 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

$ 7,605.63

$ 7,450.33

$ 38.71

$ 7.11

$ 2.73

$ 0.43

Unsecured
$ 361.10 $ 363.06 $ 4.27 $ 0.00 $ 2.53 ($ 0.37)

Total Loans and Advances

$ 7,966.73

$ 7,813.39

$ 42.98

$ 7.11

$ 5.26

$ 0.06

 Liquidity Investments      $ 1,137.26 $ 1,128.08     
General Reserve for Credit Losses $ 17.64 $ 17.71   

Securitisation

 

Consolidated Group
At 31 December 2014


$ millions

Consolidated Group
At 30 September 2014


$ millions

Current Period Securitisation Activities:

  
Loans Sold $ 367.68  $ 250.00
Facilities Provided:   
Redraws
$ 0.00 $ 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 $ 859.41

$ 930.98

Securitisation Paper Investments Held      $ NIL $ NIL
Swaps Held $ 8.25   $ 4.63
Other $ 11.61  $ 11.60
Drawn Portions of Facilities:   
Redraws
$ 0.29 $ 2.07
Liquidity
$ NIL          $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 879.56

$ 949.28

   

Off-Balance Sheet Securitisation Exposures

  
   
Housing Loans    $ 1,576.91 $ 1,285.19
Swaps      $ 10.49 $ 7.59
Undrawn Portion of Facilities:        
Redraws
$ 5.82 $ 4.50
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,593.22 $ 1,297.28