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Consolidated Group At 30 June 2016

  $ millions
Tier 1 Capital       
Retained Earnings including current year earnings $832.29
Deductions from Tier 1 Capital      ($111.23)
Total Tier 1 Capital      $721.06
Tier 2 Capital net of deductions      $20.18
Total Capital Base $741.24

Capital Adequacy

  Consolidated Group
At 30 June 2016
Consolidated Group
At 31 March 2016
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,665.23 $3,548.06
Claims against ADI's
$510.29 $449.97

Securitisation

Personal

Commercial

$7.30

$367.31

$13.10

$3.93

$359.80

$13.37

All other claims
$37.86 $35.45
Market Risk $NIL $NIL
Operational Risk $599.28 $581.65
Capital Ratios   
Tier 1 Capital Ratio for the group
13.87% 14.40%
Total Capital Ratio for the group
14.25% 14.78%

Credit Risk Exposure

Consolidated Group At 30 June 2016 $ 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 $9,027.59 $8,870.57 $10.96 $8.67 $4.80 $2.30
Unsecured
 $353.47  $352.41 $3.51 $0.00  $1.27 ($0.65)
Total Loans and Advances $9,381.06 $9,222.98 $14.47 $8.67 $6.07 $1.65
 Liquidity Investments       $1,424.74  $1,397.26     
General Reserve for Credit Losses $20.18 $19.66     

Consolidated Group At 31 March 2016 $ 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 $8,691.16 $8,566.90 $10.10 $9.47 $5.17 $0.60
Unsecured
 $349.76  $344.07 $4.39 $0.00  $1.53 $0.40
Total Loans and Advances $9,040.92 $8,910.97 $14.49 $9.47 $6.70 $1.00
Liquidity Investments       $1,358.22  $1,345.96     
General Reserve for Credit Losses $19.85 $19.40   

Securitisation

 

Consolidated Group
At 30 June 2016

$ millions

Consolidated Group
At 31 March 2016

$ millions

Current Period Securitisation Activities:   
Loans Sold $0.00 $199.10
Facilities Provided:   
Redraws
$0.00 $0.00
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 $637.00 $683.77
Securitisation Paper Investments Held      $NIL $NIL
Swaps Held $12.35 $9.08
Other $4.01 $4.01
Drawn Portions of Facilities:   
Redraws
$0.42 $0.31
Liquidity
$NIL $NIL
Total On-Balance Sheet Securitisation Exposures $653.78 $697.17
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,807.50 $1,918.58
Swaps      $6.43 $0.00
Undrawn Portion of Facilities:        
Redraws
$6.37 $6.91
Liquidity
$NIL $NIL
Total Off-Balance Sheet Securitisation Exposures $1,820.30 $1,925.49