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Consolidated Group At 30 June 2014

 $ millions
Tier 1 Capital       
 Retained Earnings including current year earnings

$ 731.75

 Deductions from Tier 1 Capital      ($ 79.08)
Total Tier 1 Capital      $ 652.67
Tier 2 Capital net of deductions      $ 17.60
Total Capital Base$ 670.27

Capital Adequacy

 Consolidated Group
At 30 June 2014
Consolidated Group
At 31 March 2014
 $ millions$ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 3052.81 $ 3,066.62
Claims against ADI's
$ 349.17  $ 370.71

Securitisation

Personal

Commercial

$ 6.38

$ 381.21

$ 17.11

$ 5.52

$ 386.52

$ 16.90

All other claims
$ 31.63 $ 31.83

Market Risk

$ NIL $ NIL
Operational Risk $ 544.85 $ 548.57

Capital Ratios

Tier 1 Capital Ratio for the group

14.89%

14.64 %

Total Capital Ratio for the group 15.29%  14.92 %

Credit Risk Exposure

Consolidated Group At 30 June 2014 $ 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

$ 7,365.94

$ 7,300.24

$ 36.74

$ 10.36

$ 2.30

($ 1.04)

Unsecured
 $ 368.80  $ 373.13  $ 4.59  $ 0.00  $ 3.64  $ 2.36

Total Loans and Advances

$ 7,734.74 $ 7,673.37

$ 41.33

$ 10.36

$ 5.94

$ 1.32

 Liquidity Investments       $ 1,072.20  $ 1,123.43     
General Reserve for Credit Losses $ 17.60 $ 13.60     
Consolidated Group At 31 March 2014 $ 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

$ 7,356.19

$ 7,250.84

$ 46.98

$ 5.80

$ 3.34

($ 2.42)

Unsecured
$ 377.35  $ 379.24  $ 4.57  $ 0.03  $ 3.33  $ 0.84

Total Loans and Advances

$ 7,733.54

$ 7,630.08

$ 51.55

$ 5.83

$ 6.67

($ 1.58)

 Liquidity Investments       $ 1,088.64  $ 1,146.22     
General Reserve for Credit Losses $ 12.26 $ 12.26   

Securitisation

 

Consolidated Group
At 30 June 2014

$ millions

Consolidated Group
At 31 March 2014

$ millions

Current Period Securitisation Activities:

  
Loans Sold $ 200.77 $ 0.00
Facilities Provided:   
Redraws
$ 0.00 $ 0.00
Liquidity
$ NIL $ NIL
Securitisation Paper Purchased: $ NIL  
  $ NIL $ NIL
ABS
$ NIL $ NIL
ABCP
$ NIL $ NIL
         Any Other Securitisation Exposures:      $ NIL $ NIL
On-Balance Sheet Securitisation Exposures  
Housing Loans $ 874.63

$ 943.58

Securitisation Paper Investments Held        
Swaps Held $ 5.53 $ 4.31
Other $ 11.60 $ 11.55
Drawn Portions of Facilities:   
Redraws
$ 2.19 $ 1.38
Liquidity
$ NIL $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 893.95

$ 960.82

   

Off-Balance Sheet Securitisation Exposures

  
   
Housing Loans    $ 1,263.86 $ 1,140.92
Swaps      $ 6.89  $ 5.68
Undrawn Portion of Facilities:        
Redraws
$4.22 $ 5.50
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,274.97 $ 1,152.10