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Consolidated Group At  31 March 2013

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 685.40

Deductions from Tier 1 Capital ($ 64.13)
Total Tier 1 Capital $ 621.27
Tier 2 Capital net of deductions $ 9.25
Total Capital Base $ 630.52

Capital Adequacy

 Consolidated Group
At 31 March 2013
Consolidated Group
At 31 December 2012
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,775.14

$ 2,729.23
Claims against ADI’s
$ 338.57 $ 350.40


Securistisation

Personal

Commercial


$4.94

$ 357.91

$89.79


$5.57

$ 336.83

$ 71.44

All other claims
$ 171.53 $ 226.57

Market Risk

Nil

Nil
Operational Risk $ 521.18 $ 521.18

Capital Ratios

Tier 1 Capital Ratio for the group

14.59 %

14.61%

Total Capital Ratio for the group 14.80 % 14.66%

Credit Risk Exposure

Consolidated Group At 31 March 2013 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not impaired Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 7,184.70

$ 7,177.70

$ 60.91

$ 4.91

$ 2.69

$0.18

Unsecured
$ 338.47 $ 335.89 $4.49 - $ 3.17 $ 0.93

Total Loans and Advances

$ 7,523.17

$ 7,513.59

$ 65.40

$ 4.91

$ 5.86

$ 1.11

Liquidity Investments $ 1,100.81 $ 1,090.39     
General Reserve for Credit Losses $ 9.25  $ 9.25     
Consolidated Group At 31 December 2012 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not impaired Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 7,122.32

$ 7,080.23

$ 51.99

$5.46

$ 2.51

($0.68)

Unsecured
$ 337.14 $ 338.22 $ 4.39 - $ 3.23 $0.57

Total Loans and Advances

$ 7,459.46

$ 7,418.45

$ 56.38

$ 5.46

$ 5.74

($0.11)

Liquidity Investments $ 1,120.24 $ 1,140.81     
General Reserve for Credit Losses $ 9.25  $ 9.25   

Securitisation

Consolidated Group
At 31 March 2013

$ millions

Consolidated Group
At 31 December 2012

$ millions

Current Period Securitisation Activities:

  
 Loans Sold  $99.34 $95.29
Facilities 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 Loans

$ 814.99

$852.66
 Securitisation Paper Investments Held  $ NIL  $ NIL
 Swaps Held  $ 8.54 $10.77
 Other  $ 12.18  $12.15
Drawn Portions of Facilities:   
Redraws
 $ 1.37 $1.62
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 837.08

$877.20

   

Off-Balance Sheet Securitisation Exposures

   
Housing Loans $ 1,020.99 $ 970.68
Swaps $ NIL $ NIL
Undrawn Portion of Facilities:   
Redraws
$ 2.36 $ 2.28
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,023.35 $ 972.96