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Consolidated Group At 30 September 2016

  $ millions
Tier 1 Capital       
Retained Earnings including current year earnings $847.98
Deductions from Tier 1 Capital      ($112.15)
Total Tier 1 Capital      $735.83
Tier 2 Capital net of deductions      $19.61
Total Capital Base $755.44

Capital Adequacy

  Consolidated Group
At 30 September 2016
Consolidated Group
At 30 June 2016
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,688.35 $3,665.23
Claims against ADI's
$495.21 $510.29

Securitisation

Personal

Commercial

$6.76

$368.81

$11.96

$7.30

$367.31

$13.10

All other claims
$47.39 $37.86
Market Risk $NIL $NIL
Operational Risk $599.28 $599.28
Capital Ratios   
Tier 1 Capital Ratio for the group
14.10% 13.87%
Total Capital Ratio for the group
14.48% 14.25%

Credit Risk Exposure

Consolidated Group At 31 September 2016 $ 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 $9,098.14 $9,060.71 $11.16 $6.43 $5.44 $1.09
Unsecured
 $364.97  $358.06 $3.35 $0.00  $1.29 $0.03
Total Loans and Advances $9,463.11 $9,418.77 $14.51 $6.43 $6.73 $1.12
 Liquidity Investments       $1,446.47  $1,436.75     
General Reserve for Credit Losses $19.61 $19.80     

Consolidated Group At 30 June 2016 $ 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 $9,027.59 $8,870.57 $10.96 $8.67 $4.80 $2.30
Unsecured
 $353.47  $352.41 $3.51 $0.00  $1.27 ($0.65)
Total Loans and Advances $9,381.06 $9,222.98 $14.47 $8.67 $6.07 $1.65
 Liquidity Investments       $1,424.74  $1,397.26     
General Reserve for Credit Losses $20.18 $19.66   

Securitisation

 

Consolidated Group
At 30 September 2016

$ millions

Consolidated Group
At 30 June 2016

$ millions

Current Period Securitisation Activities:   
Loans Sold $0.00 $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 $592.70 $637.00
Securitisation Paper Investments Held      $NIL $NIL
Swaps Held $17.25 $18.79
Other $4.00 $4.01
Drawn Portions of Facilities:   
Redraws
$0.41 $0.42
Liquidity
$NIL $NIL
Total On-Balance Sheet Securitisation Exposures $614.36 $660.22
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,696.77 $1,807.50
Swaps      $5.79 $6.43
Undrawn Portion of Facilities:        
Redraws
$5.94 $6.37
Liquidity
$NIL $NIL
Total Off-Balance Sheet Securitisation Exposures $1,708.50 $1,820.30