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Consolidated Group At 31 December2015

  $ millions
Tier 1 Capital       
Retained Earnings including current year earnings $ 815.98
Deductions from Tier 1 Capital      ($ 107.58)
Total Tier 1 Capital      $ 708.40
Tier 2 Capital net of deductions      $ 20.00
Total Capital Base $ 728.40

Capital Adequacy

  Consolidated Group
At 31 December 2015
Consolidated Group
At 30 September 2015
  $ millions $ millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $ 3,474.37 $ 3,465.09
Claims against ADI's
$ 504.52 $ 461.69

Securitisation

Personal

Commercial

$ 4.34

$ 346.10

$ 13.66

$ 4.63

$ 342.69

$ 14.27

All other claims
$ 19.49 $ 18.73
Market Risk $ NIL $ NIL
Operational Risk $ 581.65 $ 569.90
Capital Ratios   
Tier 1 Capital Ratio for the group
14.33 % 14.22%
Total Capital Ratio for the group
14.73 % 14.64%

Credit Risk Exposure

Consolidated Group At 31 December2015 $ 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 $ 8,460.95 $ 8,422.99 $ 41.62 $ 7.49 $ 3.72 $ 0.83
Unsecured
 $ 336.65  $ 335.07  $ 3.71  $ 0.00  $ 1.92 $ 0.10
Total Loans and Advances $ 8,797.60 $ 8,758.06 $ 45.33 $ 7.49 $ 5.64 $ 0.93
Liquidity Investments       $ 1,383.28  $ 1,370.37     
General Reserve for Credit Losses $ 20.00 $ 20.38     

Consolidated Group At 30 September2015 $ 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 $ 8,359.61 $ 8,337.72 $ 50.25 $ 6.87 $ 3.25 $ 0.75
Unsecured
$ 334.06 $ 339.81 $ 3.62 $ 0.00 $ 1.82 ($ 0.13)
Total Loans and Advances $ 8,693.67 $ 8,677.53 $ 53.87 $ 6.87 $ 5.07 $ 0.62
Liquidity Investments      $ 1,337.13 $ 1,360.41     
General Reserve for Credit Losses $ 20.42 $ 19.62   

Securitisation

 

Consolidated Group
At 31 December 2015

$ millions

Consolidated Group
At 30 September 2015

$ millions

Current Period Securitisation Activities:   
Loans Sold $ 191.96 $ 520.84
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 $ 519.92 $ 559.92
Securitisation Paper Investments Held $ NIL $ NIL
Swaps Held $ 10.34 $ 11.40
Other $ 4.00 $ 4.01
Drawn Portions of Facilities:   
Redraws
$ 0.25 $ 0.22
Liquidity
$ NIL $ NIL
Total On-Balance Sheet Securitisation Exposures $ 534.51 $ 575.55
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $ 2,025.96 $ 1,952.28
Swaps      $ 0.00 $ 0.00
Undrawn Portion of Facilities:        
Redraws
$ 6.50 $ 6.98
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 2,032.46 $ 1,959.26