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Consolidated Group At 30 September 2017

$ millions
Tier 1 Capital  
Retained Earnings including current year earnings $903.58
Deductions from Tier 1 Capital      ($144.12)
Total Tier 1 Capital      $759.46
Tier 2 Capital net of deductions      $21.79
Total Capital Base $781.25

Capital Adequacy

Consolidated Group
At 30 September 2017
Consolidated Group
At 30 June 2017
  $millions $millions
Risk weighted asset value for :
Credit Risk
  
Claims against residential mortgages $3,661.79 $3,682.00
Claims against ADI's
$595.68 $612.09

Securitisation

Personal

Commercial

$9.58

$449.82

$13.12

$6.67

$437.61

$10.76

All other claims
$41.70 $60.97
Market Risk $0.00 $0.00
Operational Risk $637.85 $637.85
Capital Ratios   
Tier 1 Capital Ratio for the group
14.04% 13.90%
Total Capital Ratio for the group
14.44% 14.28%

Credit Risk Exposure

Consolidated Group At 30 September 2017 $ 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 $9,123.15 $9,156.21 $5.01 $4.60 $2.95 $2.22
Unsecured
 $466.28  $459.11 $6.13 $0.00  $1.92 ($0.03)
Total Loans and Advances $9,589.43 $9,615.32 $11.14 $4.60 $4.87 $2.19
 Liquidity Investments       $1,623.62  $1,693.78     
General Reserve for Credit Losses $21.79 $21.37     

Consolidated Group At 30 June 2017 $ 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 $9,200.65 $9,502.30 $7.49 $4.65 $4.46 $1.26
Unsecured
 $415.53  $436.82 $6.42 $0.00  $1.94 $0.15
Total Loans and Advances $9,652.18 $9,939.12 $13.91 $4.65 $6.40 $1.41
 Liquidity Investments       $1,769.23  $1,544.15     
General Reserve for Credit Losses $20.48 $20.29   

Securitisation

 

Consolidated Group
At 30 September 2017

$ millions

Consolidated Group
At 30 June 2017

$ millions

Current Period Securitisation Activities:   
Loans Sold $0 $485.36
Facilities Provided:   
Redraws
$0 $4.05
Liquidity
$0 $0
Securitisation Paper Purchased:   
RMBS
$0 $0
ABS
$0 $0
ABCP
$0 $0
Any Other Securitisation Exposures:      $0 $0
On-Balance Sheet Securitisation Exposures        
Housing Loans $796.33 $847.51
Securitisation Paper Investments Held      $0 $0
Swaps Held $25.67 $17.10
Other $4.00 $4.00
Drawn Portions of Facilities:   
Redraws
$0.46 $0.31
Liquidity
$0 $0
Total On-Balance Sheet Securitisation Exposures $826.46 $868.92
   
Off-Balance Sheet Securitisation Exposures   
   
Housing Loans    $1,750.94 $1,872.61
Swaps      $7.30 $8.12
Undrawn Portion of Facilities:        
Redraws
$9.98 $10.78
Liquidity
$0 $0
Total Off-Balance Sheet Securitisation Exposures $1,768.22 $1,891.51