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Consolidated Group At 30 June 2015

 $ millions
Tier 1 Capital  
 Retained Earnings including current year earnings

$ 778.96

 Deductions from Tier 1 Capital      ($ 92.25)
Total Tier 1 Capital $ 686.71
Tier 2 Capital net of deductions $ 18.25
Total Capital Base $ 704.96

Capital Adequacy

 Consolidated Group
At 30 June 2015
Consolidated Group
At 31 March 2015
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 3,446.90 $ 3,358.23
Claims against ADI's
$ 479.92 $ 413.52

Securitisation


Personal


Commercial

$ 8.30


$ 351.57


$ 15.18

$ 9.95


$ 355.07


$ 15.89

All other claims
$ 24.92 $ 31.42

Market Risk

$ NIL $ NIL
Operational Risk $ 569.90 $ 553.90
Capital Ratios   
Tier 1 Capital Ratio for the group
14.02% 14.36 %
Total Capital Ratio for the group
14.40% 14.74 %

Credit Risk Exposure

Consolidated Group At 30 June 2015 $ 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

$ 8,494.45

$ 8,341.70

$ 51.88

$ 4.18

$ 5.41

$ 0.38

Unsecured
 $ 347.25  $ 348.57  $ 3.92  $ 0.00  $ 1.95  ($ 0.21)

Total Loans and Advances

$ 8,841.70 $ 8,690.27

$ 55.80

$ 4.18

$ 7.36

$ 0.17

 Liquidity Investments       $ 1,321.68  $ 1,313.69     
General Reserve for Credit Losses $ 18.25 $ 18.89     
Consolidated Group At 31 March 2015 $ 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

$ 8,182.86

$ 8,046.26

$ 45.35

$ 8.95

$ 4.05

($ 0.12)

Unsecured
$ 351.33 $ 354.93 $ 3.80 $ 0.00 $ 2.16 $ 1.28

Total Loans and Advances

$ 8,534.19

$ 8,401.19

$ 49.15

$ 8.95

$ 6.21

$ 1.16

 Liquidity Investments      $ 1,304.18 $ 1,328.37     
General Reserve for Credit Losses $ 18.10 $ 18.19   

Securitisation

 

Consolidated Group
At 30 June 2015


$ millions

Consolidated Group
At 31 March 2015


$ millions

Current Period Securitisation Activities:

  
Loans Sold $ 0.00  $ 154.03
Facilities Provided:   
Redraws
$ 0.00 $ 3.38
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 $ 933.99

$ 800.52

Securitisation Paper Investments Held      $ NIL $ NIL
Swaps Held $ 8.10   $ 11.96
Other $ 11.60  $ 11.55
Drawn Portions of Facilities:   
Redraws
$ 0.75 $ 0.41
Liquidity
$ NIL          $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 954.44

$ 824.44

Off-Balance Sheet Securitisation Exposures

  
Housing Loans    $ 1,548.19 $ 1,635.37
Swaps      $ 9.50 $ 10.62
Undrawn Portion of Facilities:        
Redraws
$ 8.39 $ 8.50
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,566.08 $ 1,654.49