| $ millions | |
|---|---|
| Tier 1 Capital | |
| Retained Earnings including current year earnings | $ 692.29 |
| Deductions from Tier 1 Capital | ($ 72.20) |
| Total Tier 1 Capital | $ 620.09 |
| Tier 2 Capital net of deductions | $ 12.26 |
| Total Capital Base | $ 632.35 |
Capital Adequacy
| Consolidated Group At 30 June 2013 | Consolidated Group At 31 March 2013 | |
|---|---|---|
| $ millions | $ millions | |
|
Risk weighted asset value for : Credit Risk | ||
Claims against residential mortgages | $ 2,735.89 | $ 2,775.14 |
Claims against ADI’s | $ 370.88 | $ 338.57 |
Personal Commercial |
$ 354.56 $53.12 |
$ 357.91 $ 89.79 |
All other claims | $ 175.15 | $ 171.53 |
Market Risk | $ NIL | $ NIL |
| Operational Risk | $ 533.90 | $ 521.18 |
Capital Ratios Tier 1 Capital Ratio for the group | 14.66 % | 14.59% |
| Total Capital Ratio for the group | 14.95 % | 14.80% |
Credit Risk Exposure
| 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 | $ 7,019.52 | $ 7,159.55 | $ 44.81 | $ 4.40 | $ 2.77 | $0.15 |
Unsecured | $ 344.56 | $ 341.30 | $3.74 | $0.02 | $ 2.77 | $ 1.45 |
Total Loans and Advances | $ 7,364.08 | $ 7,500.85 | $ 48.55 | $ 4.42 | $ 5.54 | $ 1.60 |
| Liquidity Investments | $ 1,048.19 | $ 1,049.37 | ||||
| General Reserve for Credit Losses | $ 12.26 | $ 10.19 |
| 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 | $ 7,184.70 | $ 7,177.70 | $ 60.91 | $ 4.91 | $ 2.69 | $0.18 |
Unsecured | $ 338.47 | $ 335.89 | $ 4.49 | $ NIL | $ 3.17 | $0.93 |
Total Loans and Advances | $ 7,523.17 | $ 7,513.59 | $ 65.40 | $ 4.91 | $ 5.86 | $1.11 |
| Liquidity Investments | $ 1,100.81 | $ 1,090.39 | ||||
| General Reserve for Credit Losses | $ 9.25 | $ 9.25 |
Securitisation
Consolidated Group $ millions | Consolidated Group $ millions | |
|---|---|---|
Current Period Securitisation Activities: | ||
| Loans Sold | $510.64 | $99.34 |
| Facilities Provided: | ||
Redraws | $ 3.04 | $ NIL |
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 | $ 1,014.12 | $814.99 |
| Securitisation Paper Investments Held | $ NIL | $ NIL |
| Swaps Held | $ 7.52 | $5.24 |
| Other | $ 15.24 | $12.18 |
| Drawn Portions of Facilities: | ||
Redraws | $ 1.98 | $1.37 |
Liquidity | $ NIL | $ NIL |
Total On-Balance Sheet Securitisation Exposures | $ 1,038.86 | $837.08 |
Off-Balance Sheet Securitisation Exposures | ||
| Housing Loans | $ 1,213.35 | $ 1,020.99 |
| Swaps | $ 5.64 | $ 3.30 |
| Undrawn Portion of Facilities: | ||
Redraws | $ 5.70 | $ 2.36 |
Liquidity | $ NIL | $ NIL |
| Total Off-Balance Sheet Securitisation Exposures | $ 1,224.69 | $ 1,023.35 |