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Consolidated Group At 30 June 2012

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 629.88

Deductions from Tier 1 Capital ($ 35.31)
Total Tier 1 Capital $ 594.57
Tier 2 Capital net of deductions $ 3.24
Total Capital Base $ 597.81

Capital Adequacy

 Consolidated Group
At 30 June 2012
Consolidated Group
At 31 March 2012
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,414.76

$ 2,682.32
Claims against ADI’s
$ 347.67 $ 311.30

Securistisation


Personal


Commercial

Nil


$ 380.74


$ 27.78

Nil


$ 380.04


$ 29.60

All other claims
$ 408.73 $ 418.78

Market Risk

Nil

Nil
Operational Risk $ 490.41 $ 467.71

Capital Ratios


Tier 1 Capital Ratio for the group

14.61 %

13.76%

Total Capital Ratio for the group 14.69 % 13.81%

Credit Risk Exposure

Consolidated Group At 30 June 2012 $ 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

$ 6,517.82

$ 7,145.25

$ 49.82

$ 7.57

$ 2.34

-

Unsecured
$ 607.68 $ 608.51 $ 4.03 $ 2.61 $ 3.11 ($ 0.02)

Total Loans and Advances

$ 7,125.49

$ 7,753.75

$ 53.85

$ 10.18

$ 5.45

($ 0.02)

Liquidity Investments $ 1,129.81 $ 1,147.31     
General Reserve for Credit Losses $ 9.25  $ 8.31     
Consolidated Group At 31 March 2012 $ 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

$ 7,299.38

$ 7,286.09

$ 42.87

$ 9.32

$ 2.41

-

Unsecured
$ 611.57 $ 610.32 $ 6.09 $ 4.56 $ 5.16 $ 0.78

Total Loans and Advances

$ 7,910.95

$ 7,896.41

$ 48.96

$ 13.88

$ 7.57

$ 0.78

Liquidity Investments $ 1,154.54 $ 1,128.43     
General Reserve for Credit Losses $ 7.99  $ 7.99   

Securitisation

 

Consolidated Group
At 30 June 2012

$ millions

Consolidated Group
At 31 March 2012

$ millions

Current Period Securitisation Activities:

  
 Loans Sold  $ 294.42  $ NIL
 Facilities Provided:   
Redraws
 $ 1.30  $ NIL
Liquidity
 $ 5.80  $ NIL
 Securitisation Paper Purchased:   
RMBS
 $ 298.60  $ NIL
ABS
 $ NIL  $ NIL
ABCP
 $ NIL  $ NIL
 Any Other Securitisation Exposures:  $ NIL  $ NIL
On-Balance Sheet Securitisation Exposures  
 Housing Loans  $ 950.75  $ 1,717.22
 Securitisation Paper Investments Held  $ NIL  $ 40.14
 Swaps Held  $ 13.23  $ 15.13
 Other  $ 12.15  $ 12.21
 Drawn Portions of Facilities:   
Redraws
 $ 1.67  $ NIL
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 977.80

$ 1,784.70

   

Off-Balance Sheet Securitisation Exposures

  
   
 Housing Loans  $ 972.31  $ NIL
 Swaps  $ NIL  $ NIL
 Undrawn Portion of Facilities:   
Redraws
 $ 2.67  $ 3.14
Liquidity
 $ NIL  $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 974.98 $ 3.14