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Consolidated Group At 30 June 2010

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 559.93

Deductions from Tier 1 Capital ($ 29.00)
Total Tier 1 Capital $ 530.93
Tier 2 Capital net of deductions $ 2.74
Total Capital Base $ 533.66

Capital Adequacy

Consolidated Group At 30 June 2010
 $ millions
Risk weighted asset value for :
Credit Risk
 

Claims against residential mortgages

$ 1,659.72

Claims against ADI’s
$ 195.31
Securistisation
$ 166.39
All other claims
$ 774.41

Market Risk

Nil

Operational Risk $ 397.49

Capital Ratios

 
Tier 1 Capital Ratio for the group 16.63 %
Total Capital Ratio for the group 16.63 %

Credit Risk Exposure

Consolidated Group At 30 June 2010 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 4,374.19

$ 4,301.77

$ 4.42

$ 4.42

-

-

Unsecured
$ 528.57 $ 522.29 $ 7.88 $ 4.94 $ 5.02 $ 0.66

Total Loans and Advances

$ 4,902.76

$ 4,824.06

$12.30

$9.36

$ 5.02

$ 0.66

Liquidity Investments $ 917.18 $ 910.06     
General Reserve for Credit Losses $ 7.67 $ 7.67