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Consolidated Group At 30 September 2014

 $ millions
Tier 1 Capital       
 Retained Earnings including current year earnings

$ 746.88

 Deductions from Tier 1 Capital      ($ 79.09)
Total Tier 1 Capital      $ 667.79
Tier 2 Capital net of deductions      $ 17.64
Total Capital Base $ 685.43

Capital Adequacy

 Consolidated Group
At 30 September 2014
Consolidated Group
At 30 June 2014
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 3,155.11 $ 3052.81
Claims against ADI's
$ 362.25 $ 349.17

Securitisation

Personal

Commercial

$ 6.37

$ 370.55

$ 16.62

$ 6.38

$ 381.21

$ 17.11

All other claims
$ 35.06 $ 31.63

Market Risk

$ NIL $ NIL
Operational Risk $ 544.85 $ 544.85
Capital Ratios   
Tier 1 Capital Ratio for the group
14.87 % 14.89%
Total Capital Ratio for the group
15.26 % 15.29%

Credit Risk Exposure

Consolidated Group At 30 September 2014 $ 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

$ 7,605.63

$ 7,450.33

$ 38.71

$ 7.11

$ 2.73

$ 0.43

Unsecured
$ 361.10 $ 363.06 $ 4.27 $ 0.00 $ 2.53 ($ 0.37)

Total Loans and Advances

$ 7,966.73

$ 7,813.39

$ 42.98

$ 7.11

$ 5.26

$ 0.06

 Liquidity Investments      $ 1,137.26 $ 1,128.08     
General Reserve for Credit Losses $ 17.64 $ 17.71     
Consolidated Group At 30 June 2014 $ 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

$ 7,365.94

$ 7,300.24

$ 36.74

$ 10.36

$ 2.30

($ 1.04)

Unsecured
 $ 368.80  $ 373.13  $ 4.59  $ 0.00  $ 3.64  $ 2.36

Total Loans and Advances

$ 7,734.74 $ 7,673.37

$ 41.33

$ 10.36

$ 5.94

$ 1.32

 Liquidity Investments       $ 1,072.20  $ 1,123.43     
General Reserve for Credit Losses $ 17.60 $ 13.60   

Securitisation

Consolidated Group
At 30 September 2014

$ millions

Consolidated Group
At 30 June 2014

$ millions

Current Period Securitisation Activities:

  
Loans Sold  $ 250.00 $ 200.77
Facilities Provided:   
Redraws
$ 0.00 $ 0.00
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

$ 930.98

$ 874.63
Securitisation Paper Investments Held      $ NIL $ NIL
Swaps Held   $ 4.63 $ 5.53
Other  $ 11.60 $ 11.60
Drawn Portions of Facilities:   
Redraws
$ 2.07 $ 2.19
Liquidity
         $ NIL $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 949.28

$ 893.95
   

Off-Balance Sheet Securitisation Exposures

   
Housing Loans    $ 1,285.19 $ 1,263.86
Swaps      $ 7.59 $ 6.89 
Undrawn Portion of Facilities:        
Redraws
$ 4.50 $4.22
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,297.28 $ 1,274.97