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Consolidated Group At 31 December 2016

  $ millions
Tier 1 Capital       
Retained Earnings including current year earnings $869.27
Deductions from Tier 1 Capital      ($117.44)
Total Tier 1 Capital      $751.83
Tier 2 Capital net of deductions      $19.10
Total Capital Base $770.93

Capital Adequacy

  Consolidated Group
At 31 December 2016
Consolidated Group
At 30 September 2016
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,698.66 $3,688.35
Claims against ADI's
$512.64 $495.21

Securitisation

Personal

Commercial

$4.74

$383.69

$11.79

$6.76

$368.81

$11.96

All other claims
$43.77 $47.39
Market Risk $0 $0
Operational Risk $615.86 $599.28
Capital Ratios   
Tier 1 Capital Ratio for the group
14.26% 14.10%
Total Capital Ratio for the group
14.63% 14.48%

Credit Risk Exposure

Consolidated Group At 31 December 2016 $ 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 $9,135.86 $9,115.59 $9.69 $6.86 $5.56 $0.91
Unsecured
 $386.98  $374.89 $4,84 $0.00  $1.74 $0.44
Total Loans and Advances $9,522.84 $9,490.48 $14.53 $6.86 $7.30 $1.35
 Liquidity Investments       $1,491.72  $1,462.10     
General Reserve for Credit Losses $19.10 $19.39     

Consolidated Group At 30 September 2016 $ 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 $9,098.14 $9,060.71 $11.16 $6.43 $5.44 $1.09
Unsecured
 $364.97  $358.06 $3.35 $0.00  $1.29 $0.03
Total Loans and Advances $9,463.11 $9,418.77 $14.51 $6.43 $6.73 $1.12
 Liquidity Investments       $1,446.47  $1,436.75     
General Reserve for Credit Losses $19.61 $19.80   

Securitisation

Consolidated Group
At 31 December 2016

$ millions

Consolidated Group
At 30 September 2016

$ millions

Current Period Securitisation Activities:   
Loans Sold $247.49 $0.00
Facilities Provided:   
Redraws
$0.97 $0.00
Liquidity
$0 $0
Securitisation Paper Purchased:   
RMBS
$0 $0
ABS
$0 $0
ABCP
$0 $0
Any Other Securitisation Exposures:      $0 $0
On-Balance Sheet Securitisation Exposures        
Housing Loans $552.57 $592.70
Securitisation Paper Investments Held      $0 $0
Swaps Held $12.07 $17.25
Other $4.01 $4.00
Drawn Portions of Facilities:   
Redraws
$0.30 $0.41
Liquidity
$0 $0
Total On-Balance Sheet Securitisation Exposures $568.95 $614.36
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,583.06 $1,696.77
Swaps      $5.74 $5.79
Undrawn Portion of Facilities:        
Redraws
$6.82 $5.94
Liquidity
$0 $0
Total Off-Balance Sheet Securitisation Exposures $1,595.62 $1,708.50