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Consolidated Group At 30 September 2012

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 651.23

Deductions from Tier 1 Capital ($ 45.01)
Total Tier 1 Capital $ 606.22
Tier 2 Capital net of deductions $ 2.35
Total Capital Base $ 608.57

Capital Adequacy

 Consolidated Group
At 30 September 2012
Consolidated Group
At 30 June 2012
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,528.41

$ 2,417.96
Claims against ADI’s
$ 323.98 $ 347.67

Securistisation


Personal


Commercial

Nil


$ 339.44


$ 75.85

Nil


$ 345.90


$ 76.35

All other claims
$ 397.49 $ 391.80

Market Risk

Nil

Nil
Operational Risk $ 490.41 $ 490.41

Capital Ratios


Tier 1 Capital Ratio for the group

14.59 %

14.61%

Total Capital Ratio for the group 14.64 % 14.69%

Credit Risk Exposure

Consolidated Group At 30 September 2012 $ 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

$ 6,732.96

$ 6,627.33

$ 47.93

$ 3.30

$ 3.18

$ 1.49

Unsecured
$ 600.44 $ 604.24 $ 4.23 - $ 3.49 $ 0.38

Total Loans and Advances

$ 7,333.40

$ 7,231.57

$ 52.16

$ 3.30

$ 6.67

$ 1.87

Liquidity Investments $ 1,112.41 $ 1,117.86     
General Reserve for Credit Losses $ 9.25  $ 9.25     
Consolidated Group At 30 June 2012 $ millions
  Gross Credit Risk Exposure Average Gross Exposure for the quarter Loans impaired Loans past due 90 days - not imparied Specific Provisions Bad Debts Expense for the quarter
Loans and Advances       

Secured

$ 6,517.82

$ 7,145.25

$ 49.82

$ 5.20

$ 2.34

-

Unsecured
$ 607.68 $ 608.51 $ 4.03 $ 0.06 $ 3.11 ($ 0.02)

Total Loans and Advances

$ 7,125.49

$ 7,753.75

$ 53.85

$ 5.26

$ 5.45

($ 0.02)

Liquidity Investments $ 1,129.81 $ 1,147.31     
General Reserve for Credit Losses $ 9.25  $ 8.31   

Securitisation

 

Consolidated Group
At 30 September 2012

$ millions

Consolidated Group
At 30 June 2012

$ millions

Current Period Securitisation Activities:

  
 Loans Sold  $ NIL  $ 294.42
 Facilities Provided:   
Redraws
 $ NIL  $ 1.30
Liquidity
 $ NIL  $ 5.80
 Securitisation Paper Purchased:   
RMBS
 $ NIL  $ 298.60
ABS
 $ NIL  $ NIL
ABCP
 $ NIL  $ NIL
 Any Other Securitisation Exposures:  $ NIL  $ NIL
On-Balance Sheet Securitisation Exposures  
 Housing Loans  $ 898.95  $ 950.75
 Securitisation Paper Investments Held  $ NIL  $ NIL
 Swaps Held  $ 11.86  $  13.23
 Other  $ 8.23  $ 12.15
 Drawn Portions of Facilities:   
Redraws
 $ 1.25  $ 1.67
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 920.29

$ 977.80

   

Off-Balance Sheet Securitisation Exposures

  
   
 Housing Loans  $ 926.09  $ 972.31
 Swaps  $ NIL  $ NIL
 Undrawn Portion of Facilities:   
Redraws
 $ 2.86  $ 2.67
Liquidity
 $ NIL  $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 928.95 $ 974.98