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Consolidated Group At 31 March 2017

  $ millions
Tier 1 Capital  
Retained Earnings including current year earnings $879.22
Deductions from Tier 1 Capital      ($126.74)
Total Tier 1 Capital      $752.48
Tier 2 Capital net of deductions      $20.00
Total Capital Base $772.48

Capital Adequacy

  Consolidated Group
At 31 March 2017
Consolidated Group
At 31 December 2016
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,851.78 $3,698.66
Claims against ADI's
$570.74 $512.64

Securitisation


Personal


Commercial

$4.76


$416.54


$10.64

$4.74


$383.69


$11.79

All other claims
$48.72 $43.77
Market Risk $0 $0
Operational Risk $615.86 $615.86
Capital Ratios   
Tier 1 Capital Ratio for the group
13.63% 14.26%
Total Capital Ratio for the group
14.00% 14.63%

Credit Risk Exposure

Consolidated Group At 31 March 2017 $ 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 $9,514.69 $9,306.98 $8.92 $7.23 $5.03 $2.29
Unsecured
 $423.51  $405.07 $6.74 $0.00  $1.79 $0.05
Total Loans and Advances $9,938.20 $9,712.05 $15.66 $7.23 $6.82 $2.34
 Liquidity Investments       $1,516.89  $1,484.15     
General Reserve for Credit Losses $20.00 $19.62     

Consolidated Group At 31 December 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 $9,135.86 $9,115.59 $9.69 $6.86 $5.56 $0.91
Unsecured
 $386.98  $374.89 $4,84 $0.00  $1.74 $0.44
Total Loans and Advances $9,522.84 $9,490.48 $14.53 $6.86 $7.30 $1.35
 Liquidity Investments       $1,491.72  $1,462.10     
General Reserve for Credit Losses $19.10 $19.39   

Securitisation

Consolidated Group
At 31 March 2017

$ millions

Consolidated Group
At 31 December 2016

$ millions

Current Period Securitisation Activities:   
Loans Sold $0 $247.49
Facilities Provided:   
Redraws
$0 $0.97
Liquidity
$0 $0
Securitisation Paper Purchased:   
RMBS
$0 $0
ABS
$0 $0
ABCP
$0 $0
Any Other Securitisation Exposures:      $0 $0
On-Balance Sheet Securitisation Exposures        
Housing Loans $692.85 $552.57
Securitisation Paper Investments Held      $0 $0
Swaps Held $12.05 $12.07
Other $4.01 $4.01
Drawn Portions of Facilities:   
Redraws
$0.31 $0.30
Liquidity
$0 $0
Total On-Balance Sheet Securitisation Exposures $709.22 $568.95
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,483.83 $1,583.06
Swaps      $5.03 $5.74
Undrawn Portion of Facilities:        
Redraws
$7.27 $6.82
Liquidity
$0 $0
Total Off-Balance Sheet Securitisation Exposures $1,496.13 $1,595.62