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Consolidated Group At 30 June 2011

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 599.82

Deductions from Tier 1 Capital ($ 26.76)
Total Tier 1 Capital $ 573.06
Tier 2 Capital net of deductions $ 4.43
Total Capital Base $ 577.49

Capital Adequacy

Consolidated Group At 30 September 2011
 $ millions
Risk weighted asset value for :
Credit Risk
 

Claims against residential mortgages

$ 2,655.13

Claims against ADI’s
$ 396.61
Securistisation
Nil
All other claims
$ 819.97

Market Risk

Nil

Operational Risk $ 438.37

Capital Ratios

 
Tier 1 Capital Ratio for the group 13.25 %
Total Capital Ratio for the group 13.35 %

Credit Risk Exposure

Consolidated Group At 30 September 2011 $ 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

$ 7,229.03

$ 7,217.45

$ 4.62

$ 4.62

-

-

Unsecured
$ 609.95 $ 607.84 $ 7.53 $ 4.43 $ 4.43 $ 0.39

Total Loans and Advances

$ 7,838.98

$ 7,825.29

$12.15

$9.05

$ 4.43

$ 0.39

Liquidity Investments $1,264.59 $ 1,155.18     
General Reserve for Credit Loss $ 7.99 $ 7.99