APRA Prudential Disclosure
Disclosure of Prudential Information for the quarter ended 31 December 2009
CAPITAL STRUCTURE AS AT 31 DECEMBER 2009
| Capital ($) |
|---|
| Tier 1 capital |
| Retained earnings, including current year earnings |
216,879,312 |
|
|
| Deductions from Tier 1 capital |
(20,241,822) |
|
|
| Total Tier 1 capital |
196,637,490 |
|
| Tier 2 capital (net of deductions) |
97,811,833 |
|
|
| Total capital base |
294,449,323 |
CAPITAL ADEQUACY AS AT 31 DECEMBER 2009
| Risk Weighted Assets ($) |
|---|
| Credit risk - standardised approach |
|---|
|
| Corporate |
- |
| Government |
- |
| ADIs |
149,962,866 |
| Residential Mortgage |
1,299,267,276 |
| Other Retail |
241,397,237 |
| Other |
85,055,050 |
| Off Balance Sheet |
42,037,239 |
| Total capital requirement for credit risk |
1,817,719,668 |
| Capital requirement relating to securitisation exposures |
20,866,186 |
| Capital requirement for operational risk |
272,277,303 |
| Total risk weighted assets capital requirement |
2,110,863,157 |
| Tier 1 Capital Ratio | 9.32% |
|---|
| Total Capital Ratio | 13.95% |
|---|
CREDIT RISK
| Gross Credit Exposure as at 31 December 2009
($) | Average Gross Credit
Exposure for Quarter
($) |
|---|
| Exposure Type |
|---|
| Cash and investment securities |
945,659,306 |
944,440,615 |
| Loans and advances |
3,911,103,207 |
3,893,293,804 |
| Other assets |
113,480,440 |
103,603,760 |
| Total on balance sheet exposures |
4,970,242,953 |
4,941,338,179 |
|
| Loans approved not yet advanced |
101,539,118 |
108,970,504 |
| Other off balance sheet |
3,665,230 |
3,943,902 |
| Total off balance sheet exposures |
105,204,348 |
112,914,406 |
|
| Total exposures |
5,075,447,301 |
5,054,252,585 |
|
| Exposure by Category |
|---|
| Corporate |
- |
- |
| Government |
185,527,118 |
206,746,065 |
| ADIs |
760,132,188 |
737,694,550 |
| Residential Mortgage |
3,770,405,418 |
3,765,113,568 |
| Other Retail |
242,236,907 |
237,150,740 |
| Other |
117,145,670 |
107,547,662 |
|
5,075,447,301 |
5,054,252,585 |
CREDIT RISK
| Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision for quarter ($) | Write-offs for quarter ($) |
|---|
| Exposure by category |
|---|
| Corporate |
- |
- |
- |
- |
- |
| Government |
- |
- |
- |
- |
- |
| ADIs |
- |
- |
- |
- |
- |
| Residential Mortgage |
162,540 |
1,452,615 |
55,707 |
(57,457) |
10,847 |
| Other Retail |
1,534,218 |
805,695 |
706,962 |
72,088 |
294,887 |
| Other |
- |
- |
- |
- |
- |
| Total |
1,696,758 |
2,258,310 |
762,669 |
14,631 |
305,734 |
|
| General Reserve for Credit Losses | 3,587,842 |
|---|