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Consolidated Group At  31 March 2014

 $ millions
Tier 1 Capital       
 Retained Earnings including current year earnings

$ 730.39

 Deductions from Tier 1 Capital      ($ 82.18)
Total Tier 1 Capital      $ 648.21
Tier 2 Capital net of deductions       $ 12.26
Total Capital Base$ 660.47

Capital Adequacy

 Consolidated Group
At 31 March 2014
Consolidated Group
At 31 December 2013
 $ millions$ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 3,066.62

$ 2,994.14

Claims against ADI's
 $ 370.71 $ 406.80

Securitisation

Personal

Commercial

$ 5.52

$ 386.52

$ 16.90

$ 5.99

$ 389.23

$18.61

All other claims
$ 31.83 $ 27.26

Market Risk

$ NIL

$ NIL

Operational Risk $ 548.57 $ 548.57

Capital Ratios

Tier 1 Capital Ratio for the group

14.64 %

14.48 %

Total Capital Ratio for the group  14.92 %  14.76 %

Credit Risk Exposure

Consolidated Group At 31 March 2014 $ 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

$ 7,356.19

$ 7,250.84

$ 46.98

$ 5.80

$ 3.34

($ 2.42)

Unsecured
$ 377.35  $ 379.24  $ 4.57  $ 0.03  $ 3.33  $ 0.84

Total Loans and Advances

$ 7,733.54

$ 7,630.08

$ 51.55

$ 5.83

$ 6.67

($ 1.58)

 Liquidity Investments       $ 1,088.64  $ 1,146.22     
General Reserve for Credit Losses $ 12.26 $ 12.26     
Consolidated Group At 31 December 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

$ 7,149.37

$ 7,166.37

$ 62.44

$ 6.13

$ 5.76

$ 2.81

Unsecured
 $ 381.68       $ 374.39  $ 5.64  $ 0.03  $ 4.20  $ 1.64

Total Loans and Advances

$ 7,531.05

$ 7,540.76

$ 68.08

$ 6.16

$ 9.96

$ 4.45

 Liquidity Investments       $ 1,303.57  $ 1,124.11     
General Reserve for Credit Losses $ 12.26 $ 12.26   

Securitisation

 

Consolidated Group
At 31 March 2014

$ millions

Consolidated Group
At 31 December 2013

$ millions

Current Period Securitisation Activities:

  
Loans Sold          $ 0.00         $ 276.16
Facilities Provided:   
Redraws
$ 0.00 $ 1.45
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

$ 943.58

        $ 1,013.71
Securitisation Paper Investments Held               $ NIL          $ NIL
Swaps Held         $ 4.31         $ 5.54
Other          $ 11.55         $ 11.64
Drawn Portions of Facilities:   
Redraws
$ 1.38 $ 1.60
Liquidity
         $ NIL          $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 960.82

$ 1,032.49

   

Off-Balance Sheet Securitisation Exposures

  
   
Housing Loans         $ 1,140.92          $ 1,211.04
Swaps                                        $ 5.68          $ 5.86
Undrawn Portion of Facilities:        
Redraws
$ 5.50 $ 5.75
Liquidity
         $ NIL          $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,152.10 $ 1,222.65