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Consolidated Group At 30 June 2010

 $ 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

Consolidated Group At 31 March 2011
 $ 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

Consolidated Group At 31 March 2011 $ 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

$ 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