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Consolidated Group At 31 March 2011

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 559.82

Deductions from Tier 1 Capital ($ 26.76)
Total Tier 1 Capital $ 573.06
Tier 2 Capital net of deductions $ 4.43
Total Capital Base $ 577.49

Capital Adequacy

 Consolidated Group
At 31 March 2012
Consolidated Group
At 31 December 2011
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,682.32

$ 2,671.66
Claims against ADI’s
$ 311.30 $ 295.55

Securistisation

Personal

Commercial

Nil

$380.04

$29.60

Nil

$ 374.06

$ 30.46

All other claims
$ 418.78 $ 451.03

Market Risk

Nil

Nil
Operational Risk $ 467.71 $ 467.71

Capital Ratios

Tier 1 Capital Ratio for the group

13.76 %

13.69%

Total Capital Ratio for the group 13.81 % 13.74%

Credit Risk Exposure

Consolidated Group At 31 March 2012 $ 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

$ 7,299.38

$ 7,286.09

$ 42.87

$ 9.32

$ 2.41

-

Unsecured
$ 611.57 $ 610.32 $ 6.09 $ 4.56 $ 5.16 $ 0.78

Total Loans and Advances

$ 7,910.95

$ 7,896.41

$ 48.96

$ 13.88

$ 7.57

$ 0.78

Liquidity Investments $ 1,154.54 $ 1,128.43     
General Reserve for Credit Losses $ 7.99  $ 7.99     
Consolidated Group At 31 December 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

$ 7,272.79

$ 7,250.91

$ 34.61

$ 9.12

$ 2.24

-

Unsecured
$ 609.07 $ 609.51 $ 6.66 $ 4.42 $ 5.82 $ 0.55

Total Loans and Advances

$ 7,881.86

$ 7,860.42

$ 41.27

$ 13.54

$ 8.07

$ 0.55

Liquidity Investments $ 1,102.32 $ 1,183.46     
General Reserve for Credit Losses $ 7.99  $ 7.99   

Securitisation

 

Consolidated Group
At 31 March 2012

$ millions

Consolidated Group
At 31 December 2011

$ millions

Current Period Securitisation Activities:

  
 Loans Sold  $ NIL  $ NIL
 Facilties Provided:   
Redraws
 $ NIL  $ NIL
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  $ 1,717.22  $ 1,794.84
 Securitisation Paper Investments Held  $ 40.14  $ 40.14
 Swaps Held  $ 15.13  $ 26.76
 Other  $ 12.21  $ 12.22
 Drawn Portions of Facilities:   
Redraws
 $ NIL  $ NIL
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 1,784.70

$ 1,873.96

   

Off-Balance Sheet Securitisation Exposures

  
   
 Housing Loans  $ NIL  $ NIL
 Swaps  $ NIL  $ NIL
 Undrawn Portion of Facilities:   
Redraws
 $ 3.14  $ 3.28
Liquidity
 $ NIL  $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 3.14 $ 3.28