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At APRA's request the reporting of well secured loans subject to hardship has changed and these loans are no longer reported as impaired assets. Both March '16 values and December '15 comparative values have been restated.

Consolidated Group At 31 March 2016

  $ millions
Tier 1 Capital       
 Retained Earnings including current year earnings $830.64
 Deductions from Tier 1 Capital      ($111.69)
Total Tier 1 Capital      $718.95
Tier 2 Capital net of deductions      $18.98
Total Capital Base $737.93

Capital Adequacy

  Consolidated Group
At 31 March 2016
Consolidated Group
At 31 December 2015
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,548.06 $3,474.37
Claims against ADI's
$449.97 $504.52

Securitisation

Personal

Commercial

$3.93

$359.80

$13.37

$4.34

$346.10

$13.66

All other claims
$35.45 $19.49
Market Risk $NIL $NIL
Operational Risk $581.65 $581.65
Capital Ratios   
Tier 1 Capital Ratio for the group
14.40% 14.33 %
Total Capital Ratio for the group
14.78% 14.73 %

Credit Risk Exposure

Consolidated Group At 31 March 2016 $ 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 $8,691.16 $8,566.90 $10.10 $9.47 $5.17 $0.60
Unsecured
 $349.76  $344.07 $4.39 $0.00  $1.53 $0.40
Total Loans and Advances $9,040.92 $8,910.97 $14.49 $9.47 $6.70 $1.00
 Liquidity Investments       $1,358.22  $1,345.96     
General Reserve for Credit Losses $19.85 $19.40     

Consolidated Group At 31 December 2015 $ 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 $8,460.95 $8,422.99 $7.42 $10.59 $3.72 $0.83
Unsecured
 $336.65  $335.07 4.19 $0.00  $1.92 $0.10
Total Loans and Advances $8,797.60 $8,758.06 11.61 $10.59 $5.64 $0.93
 Liquidity Investments       $1,383.28  $1,370.37     
General Reserve for Credit Losses $20.00 $ 0.38   

Securitisation

Consolidated Group
At 31 March 2016

$ millions

Consolidated Group
At 31 December 2015

$ millions

Current Period Securitisation Activities:   
Loans Sold $199.10 $191.96
Facilities Provided:   
Redraws
$0.00 $0.00
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 $683.77 $519.92
Securitisation Paper Investments Held      $NIL $NIL
Swaps Held $9.08 $10.34
Other $4.01 $4.00
Drawn Portions of Facilities:   
Redraws
$0.31 $0.25
Liquidity
$NIL $NIL
Total On-Balance Sheet Securitisation Exposures $697.17 $534.51
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,918.58 $2,025.96
Swaps      $0.00 $0.00
Undrawn Portion of Facilities:        
Redraws
$6.91 $6.50
Liquidity
$NIL $NIL
Total Off-Balance Sheet Securitisation Exposures $1,925.49 $2,032.46