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Consolidated Group At 30 September 2015

$ millions
Tier 1 Capital       
 Retained Earnings including current year earnings $ 792.64
 Deductions from Tier 1 Capital      ($ 99.00)
Total Tier 1 Capital      $ 693.64
Tier 2 Capital net of deductions      $ 20.42
Total Capital Base $ 714.06

Capital Adequacy

Consolidated Group
At 30 September 2015
Consolidated Group
At 30 June 2015
  $ millions $ millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $ 3,465.09 $ 3,446.90
Claims against ADI's
$ 461.69 $ 479.92

Securitisation


Personal


Commercial

$ 4.63


$ 342.69


$ 14.27

$ 8.30


$ 351.57


$ 15.18

All other claims
$ 18.73 $ 24.92
Market Risk $ NIL $ NIL
Operational Risk $ 569.90 $ 569.90
Capital Ratios   
Tier 1 Capital Ratio for the group
14.22% 14.02 %
Total Capital Ratio for the group
14.64% 14.40 %

Credit Risk Exposure

Consolidated Group At 30 September 2015 $ 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 $ 8,359.61 $ 8,337.72 $ 50.25 $ 6.87 $ 3.25 $ 0.75
Unsecured
 $ 334.06  $ 339.81  $ 3.62  $ 0.00  $ 1.82  ($ 0.13)
Total Loans and Advances $ 8,693.67 $ 8,677.53 $ 53.87 $ 6.87 $ 5.07 $ 0.62
 Liquidity Investments       $ 1,337.13  $ 1,360.41     
General Reserve for Credit Losses $ 20.42 $ 19.62     

Consolidated Group At 30 June 2015 $ 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 $ 8,494.45 $ 8,341.70 $ 51.88 $ 4.18 $ 5.41 $ 0.38
Unsecured
$ 347.25 $ 348.57 $ 3.92 $ 0.00 $ 1.95 ($ 0.21)
Total Loans and Advances $ 8,841.70 $ 8,690.27 $ 55.80 $ 4.18 $ 7.36 $ 0.17
 Liquidity Investments      $ 1,321.68 $ 1,313.69     
General Reserve for Credit Losses $ 18.25 $ 18.89   

Securitisation

 

Consolidated Group
At 30 September 2015

$ millions

Consolidated Group
At 30 June 2015

$ millions

Current Period Securitisation Activities:   
Loans Sold $ 520.84  $ 0.00
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 $ 559.92 $ 933.99
Securitisation Paper Investments Held      $ NIL $ NIL
Swaps Held $ 11.40   $ 8.10
Other $ 4.01  $ 11.60
Drawn Portions of Facilities:   
Redraws
$ 0.22 $ 0.75
Liquidity
$ NIL          $ NIL
Total On-Balance Sheet Securitisation Exposures $ 575.55 $ 954.44
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $ 1,952.28 $ 1,548.19
Swaps      $ 0.00 $ 9.50
Undrawn Portion of Facilities:        
Redraws
$ 6.98 $ 8.39
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,959.26 $ 1,566.08