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Consolidated Group At 31 March 2015

 $ millions
Tier 1 Capital  
 Retained Earnings including current year earnings

$ 749.88

 Deductions from Tier 1 Capital      ($ 69.47)
Total Tier 1 Capital $ 680.41
Tier 2 Capital net of deductions $ 18.10
Total Capital Base $ 698.51

Capital Adequacy

 Consolidated Group
At 31 March 2015
Consolidated Group
At 31 December 2014
 $ millions $ millions
Risk weighted asset value for :
Credit Risk
  

Claims against residential mortgages

$ 3,358.23 $ 3,256.53
Claims against ADI's
$ 413.52 $ 408.33

Securitisation


Personal


Commercial

$ 9.95


$ 355.07


$ 15.89

$ 8.64


$ 366.21


$ 16.81

All other claims
$ 31.42 $ 33.49

Market Risk

$ NIL $ NIL
Operational Risk $ 553.90 $ 553.90
Capital Ratios   
Tier 1 Capital Ratio for the group
14.36 % 14.49%
Total Capital Ratio for the group
14.74 % 14.90%

Credit Risk Exposure

Consolidated Group At 31 March 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

$ 8,182.86

$ 8,046.26

$ 45.35

$ 8.95

$ 4.05

($ 0.12)

Unsecured
$ 351.33 $ 354.93 $ 3.80 $ 0.00 $ 2.16 $ 1.28

Total Loans and Advances

$ 8,534.19

$ 8,401.19

$ 49.15

$ 8.95

$ 6.21

$ 1.16

 Liquidity Investments      $ 1,304.18 $ 1,328.37     
General Reserve for Credit Losses $ 18.10 $ 18.19     
Consolidated Group At 31 December 2014 $ 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

$ 7,897.86

$ 7,763.50

$ 43.65

$ 8.92

$ 2.68

($ 0.04)

Unsecured
 $ 357.30  $ 360.21  $ 3.95  $ 0.00  $ 2.28  $ 1.68

Total Loans and Advances

$ 8,255.16 $ 8,123.71

$ 47.60

$ 8.92

$ 4.96

$ 1.64

 Liquidity Investments       $ 1,411.34  $ 1,252.73     
General Reserve for Credit Losses $ 18.80 $ 17.81   

Securitisation

Consolidated Group
At 31 March 2015

$ millions

Consolidated Group
At 31 December 2014

$ millions

Current Period Securitisation Activities:

  
Loans Sold  $ 154.03 $ 367.68
Facilities Provided:   
Redraws
$ 3.38 $ 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

$ 800.52

$ 859.41
Securitisation Paper Investments Held      $ NIL $ NIL
Swaps Held   $ 11.96 $ 8.25
Other  $ 11.55 $ 11.61
Drawn Portions of Facilities:   
Redraws
$ 0.41 $ 0.29
Liquidity
         $ NIL $ NIL

Total On-Balance Sheet Securitisation Exposures

$ 824.44

$ 879.56
   

Off-Balance Sheet Securitisation Exposures

   
Housing Loans    $ 1,635.37 $ 1,576.91
Swaps      $ 10.62 $ 10.49
Undrawn Portion of Facilities:        
Redraws
$ 8.50 $ 5.82
Liquidity
$ NIL $ NIL
Total Off-Balance Sheet Securitisation Exposures $ 1,654.49 $ 1,593.22