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CAPITAL
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31 Mar 2010
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Capital Structure
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1. Tier 1 Capital
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• Reserves
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$2,165,232
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• Retained Earnings (including Current Year)
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$18,972
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• Deductions from Tier 1 capital
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($221,240)
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$1,926,240
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2. Tier 2 Capital
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$500,456
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TOTAL CAPITAL BASE
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$2,418,578
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Capital Adequacy
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1. Capital requirement for Credit Risk
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• Credit Risk
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$12,759,213
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• Securitisation
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-
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2. Capital requirement for Market Risk
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-
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3. Capital requirement for Operational Risk
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$1,772,601
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TOTAL and Tier 1 Capital Ratio
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16.64%
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CREDIT RISK EXPOSURE
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Average Balance
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• Loans
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$19,226,299
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$19,279,460
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• Claims on ADI’s
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$9,392,373
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$9,299,002
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• Fixed Assets and Investment Property
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$1,851,429
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$1,847,654
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• Cash
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$176,987
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$166,382
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• Other
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$425,036
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$426,150
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• Amount of Impaired and Past Due Facilities
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$34,424
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• Specific Provisions
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$33,182
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• Write-Offs and Charges During Period
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-
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• General Reserve for Credit Losses
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$74,171
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