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Consolidated Group At  30 September 2013

 $ millions
Tier 1 Capital  
Retained Earnings including current year earnings

$ 706.23

Deductions from Tier 1 Capital ($ 77.63)
Total Tier 1 Capital $ 628.60
Tier 2 Capital net of deductions $ 12.26
Total Capital Base $ 640.86

Capital Adequacy

 Consolidated Group
At 30 September 2013
Consolidated Group
At 30 June 2013
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 2,919.18

$ 2,735.89
Claims against ADI's
$ 323.17 $ 370.88


Securistisation

Personal

Commercial


$6.62

$ 392.20

$18.53


$7.21

$ 354.56

$ 53.12

All other claims
$ 61.03 $ 171.15

Market Risk

$ NIL

$ NIL
Operational Risk $ 533.90 $ 533.90

Capital Ratios

Tier 1 Capital Ratio for the group

14.77 %

14.66 %

Total Capital Ratio for the group 15.06 % 14.95 %

Credit Risk Exposure

Consolidated Group At 30 September 2013 $ 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

$ 7,153.40

$ 7,080.00

$ 55.08

$ 3.15

$ 2.95

$0.17

Unsecured
$ 342.60 $ 343.02 $ 4.50 $ 0.03 $ 3.28 $ 1.53

Total Loans and Advances

$ 7,496.00

$ 7,423.02

$ 59.58

$ 3.18

$ 6.23

$ 1.70

Liquidity Investments $ 1,003.65 $ 1,046.78     
General Reserve for Credit Losses $ 12.26 $ 12.26     
Consolidated Group At 30 June 2013 $ 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

$ 7,019.52

$ 7,159.55

$ 44.81

$ 4.40

$ 2.77

$0.15

Unsecured
$ 344.56 $ 341.30 $3.74 $0.02 $ 2.77 $ 1.45

Total Loans and Advances

$ 7,364.08

$ 7,500.85

$ 48.55

$ 4.42

$ 5.54

$ 1.60

Liquidity Investments $ 1,048.19 $ 1,049.37     
General Reserve for Credit Losses $ 12.26  $ 10.19   

Securitisation

Consolidated Group
At 30 September 2013

$ millions

Consolidated Group
At 30 June 2013

$ millions

Current Period Securitisation Activities:

  
 Loans Sold $0.00  $510.64
 Facilities Provided:   
Redraws
$ 0.00  $ 3.04
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 $948.54

$ 1,014.12

 Securitisation Paper Investments Held  $ NIL  $ NIL
 Swaps Held $6.07  $ 7.52
 Other $15.20  $ 15.24
 Drawn Portions of Facilities:   
Redraws
$1.35  $ 1.98
Liquidity
 $ NIL  $ NIL

Total On-Balance Sheet Securitisation Exposures

$971.16

$ 1,038.86

   

Off-Balance Sheet Securitisation Exposures

   
 Housing Loans  $ 1,147.87  $ 1,213.35
 Swaps  $ 5.24  $ 5.64
 Undrawn Portion of Facilities:   
Redraws
$ 5.87 $ 5.70
Liquidity
 $ NIL  $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,158.98 $ 1,224.69