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Consolidated Group At  30 June 2013

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 692.29

Deductions from Tier 1 Capital ($ 72.20)
Total Tier 1 Capital $ 620.09
Tier 2 Capital net of deductions $ 12.26
Total Capital Base $ 632.35

Capital Adequacy

 Consolidated Group
At 30 June 2013
Consolidated Group
At 31 March 2013
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,735.89

$ 2,775.14
Claims against ADI’s
$ 370.88 $ 338.57


Securistisation

Personal

Commercial


$7.21

$ 354.56

$53.12


$4.94

$ 357.91

$ 89.79

All other claims
$ 175.15 $ 171.53

Market Risk

$ NIL

$ NIL
Operational Risk $ 533.90 $ 521.18

Capital Ratios

Tier 1 Capital Ratio for the group

14.66 %

14.59%

Total Capital Ratio for the group 14.95 % 14.80%

Credit Risk Exposure

Consolidated Group At 30 June 2013 $ 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

$ 7,019.52

$ 7,159.55

$ 44.81

$ 4.40

$ 2.77

$0.15

Unsecured
$ 344.56 $ 341.30 $3.74 $0.02 $ 2.77 $ 1.45

Total Loans and Advances

$ 7,364.08

$ 7,500.85

$ 48.55

$ 4.42

$ 5.54

$ 1.60

Liquidity Investments $ 1,048.19 $ 1,049.37     
General Reserve for Credit Losses $ 12.26  $ 10.19     
Consolidated Group At 31 March 2013 $ 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

$ 7,184.70

$ 7,177.70

$ 60.91

$ 4.91

$ 2.69

$0.18

Unsecured
$ 338.47 $ 335.89 $ 4.49 $ NIL $ 3.17 $0.93

Total Loans and Advances

$ 7,523.17

$ 7,513.59

$ 65.40

$ 4.91

$ 5.86

$1.11

Liquidity Investments $ 1,100.81 $ 1,090.39     
General Reserve for Credit Losses $ 9.25  $ 9.25   

Securitisation

Consolidated Group
At 30 June 2013

$ millions

Consolidated Group
At 31 March 2013

$ millions

Current Period Securitisation Activities:

  
 Loans Sold  $510.64 $99.34
 Facilities Provided:   
Redraws
 $ 3.04  $ NIL
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

$ 1,014.12

$814.99
 Securitisation Paper Investments Held  $ NIL  $ NIL
 Swaps Held  $ 7.52 $5.24
 Other  $ 15.24  $12.18
 Drawn Portions of Facilities:   
Redraws
 $ 1.98 $1.37
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 1,038.86

$837.08

   

Off-Balance Sheet Securitisation Exposures

   
 Housing Loans  $ 1,213.35  $ 1,020.99
 Swaps  $ 5.64  $ 3.30
 Undrawn Portion of Facilities:   
Redraws
$ 5.70  $ 2.36
Liquidity
 $ NIL  $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,224.69 $ 1,023.35