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Consolidated Group At 30 June 2010

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 599.93

Deductions from Tier 1 Capital ($ 29.00)
Total Tier 1 Capital $ 530.93
Tier 2 Capital net of deductions $ 2.74
Total Capital Base $ 533.66

Capital Adequacy

Consolidated Group At 30 September 2010
 $ millions
Risk weighted asset value for :
Credit Risk
 

Claims against residential mortgages

$ 1,697.53

Claims against ADI’s
$ 215.73
Securistisation
$ 297.91
All other claims
$ 918.11

Market Risk

Nil

Operational Risk $ 397.26

Capital Ratios

 
Tier 1 Capital Ratio for the group 14.72%
Total Capital Ratio for the group 14.80 %

Credit Risk Exposure

Consolidated Group At 30 September 2010 $ 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

$ 4,519.31

$ 4,446.75

$ 3.48

$ 3.48

-

-

Unsecured
$ 566.29 $ 547.43 $ 7.64 $ 4.08 $ 4.23 $ 0.58

Total Loans and Advances

$ 5,085.60

$ 4,994.18

$11.12

$7.56

$ 4.23

$ 0.58

Liquidity Investments $1,043.18 $ 980.18     
General Reserve for Credit Losses $ 7.67 $ 7.67