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Consolidated Group At 30 June 2009

 $ 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

Consolidated Group At 31 March 2010
 $ 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

Consolidated Group At 31 March 2010 $ millions
  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