| $ millions | |
|---|---|
| Tier 1 Capital | |
| Retained Earnings including current year earnings | $ 559.93 |
| Deductions from Tier 1 Capital | ($ 29.00) |
| Total Tier 1 Capital | $ 530.93 |
| Tier 2 Capital net of deductions | $ 2.74 |
| Total Capital Base | $ 533.66 |
Capital Adequacy
| $ millions | |
|---|---|
|
Risk weighted asset value for : Credit Risk | |
Claims against residential mortgages | $ 2,629.61 |
Claims against ADI’s | $ 296.48 |
Securistisation | $ 27.52 |
All other claims | $ 920.75 |
Market Risk | Nil |
| Operational Risk | $ 414.81 |
Capital Ratios Tier 1 Capital Ratio for the group | 13.07 % |
| Total Capital Ratio for the group | 13.18 % |
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 | $ 7,146.44 | $ 7,040.80 | $ 4.74 | $ 4.74 | - | - |
Unsecured | $ 599.70 | $ 590.93 | $ 7.32 | $ 4.47 | $ 4.62 | $ 0.46 |
Total Loans and Advances | $ 7,746.14 | $ 7,631.73 | $ 12.06 | $ 9.21 | $ 4.62 | $ 0.46 |
| Liquidity Investments | $ 988.92 | $ 1,031.08 | ||||
| General Reserve for Credit Losses | $ 7.99 | $ 7.99 |