| $ millions | |
|---|---|
| Tier 1 Capital | |
| Retained Earnings including current year earnings | $ 510.68 |
| Deductions from Tier 1 Capital | ($ 21.81) |
| Total Tier 1 Capital | $ 488.87 |
| Tier 2 Capital net of deductions | $ 1.69 |
| Total Capital Base | $ 490.56 |
Capital Adequacy
| $ millions | |
|---|---|
|
Risk weighted asset value for : Credit Risk | |
Claims against residential mortgages | $ 1,619.34 |
Claims against ADI’s | $ 162.00 |
Securistisation | $ 62.37 |
All other claims | $ 857.20 |
Market Risk | Nil |
| Operational Risk | $ 379.34 |
Capital Ratios | |
| Tier 1 Capital Ratio for the group | 16.28 % |
| Total Capital Ratio for the group | 16.90 % |
Credit Risk Exposure
| 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 | $ 4,229.35 | $ 4,271.13 | $ 4.03 | $ 4.03 | - | - |
Unsecured | $ 516.01 | $ 513.08 | $ 7.64 | $ 4.84 | $ 5.27 | $ 0.74 |
Total Loans and Advances | $ 4,745.36 | $ 4,784.21 | $11.67 | $8.87 | $ 5.27 | $ 0.74 |
| Liquidity Investments | $ 902.94 | $ 776.93 | ||||
| General Reserve for Credit Losses | $ 7.67 | $ 7.67 |