| $ millions | |
|---|---|
| Tier 1 Capital | |
| Retained Earnings including current year earnings | $ 510.68 |
| Deductions from Tier 1 Capital | ($ 21.81) |
| Total Tier 1 Capital | $ 488.87 |
| Tier 2 Capital net of deductions | $ 1.69 |
| Total Capital Base | $ 490.56 |
Capital Adequacy
| $ millions | |
|---|---|
|
Risk weighted asset value for : Credit Risk | |
Claims against residential mortgages | $ 1,521.08 |
Claims against ADI’s | $ 179.09 |
Securistisation | $ 172.97 |
All other claims | $ 720.95 |
Market Risk | Nil |
| Operational Risk | $ 363.80 |
Capital Ratios Tier 1 Capital Ratio for the group | 16.53 % |
| Total Capital Ratio for the group | 16.59 % |
Credit Risk Exposure
| Gross Credit Risk Exposure | Average Gross Exposure for the quarter | Loans impaired | Loans past due 90 days | Specific Provisions | Bad Debts Expense for the quarter | |
|---|---|---|---|---|---|---|
| Loans and Advances | ||||||
Secured | $ 4,058.60 | $ 3,975.78 | $ 4.21 | $ 4.21 | - | - |
Unsecured | $ 505.98 | $ 508.42 | $ 8.72 | $ 5.41 | $ 5.37 | $ 0.82 |
Total Loans and Advances | $ 4,564.58 | $ 4,484.20 | $ 12.93 | $ 9.62 | $ 5.37 | $ 0.82 |
| Liquidity Investments | $ 794.70 | $ 914.48 | ||||
| General Reserve for Credit Losses | $ 7.46 | $ 7.46 |