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PULSE CREDIT UNION LTD
PUBLIC DISCLOSURE OF PRUDENTIAL INFORMATION


The following disclosures are made in accordance with Prudential Standard APS330

CAPITAL 30 Sep 2008  
Capital Structure    
      1. Tier 1 Capital    
             • Reserves $2,221,633  
             • Retained Earnings (including Current Year) $41,660  
             • Deductions from Tier 1 capital ($45,540)  
  $2,217,753  
      2. Tier 2 Capital $327,403  
             TOTAL CAPITAL BASE $2,545,156  
Capital Adequacy    
      1. Capital requirement for Credit Risk    
             • Credit Risk $15,944,214  
             • Securitisation -  
      2. Capital requirement for Market Risk -  
      3. Capital requirement for Operational Risk $1,682,499  
             TOTAL and Tier 1 Capital Ratio 14.44%  
CREDIT RISK EXPOSURE   Average Balance
             • Loans $18,497,183 $18,467,859
             • Claims on ADI’s $10,350,490 $10,713,064
             • Fixed Assets and Investment Property $1,513,159 $1,513,159
             • Cash $226,345 $334,084
             • Other $209,839 $209,839
     
             • Amount of Impaired and Past Due Facilities $207,991  
             • Specific Provisions $39,874  
             • Write-Offs and Charges During Period -  
             • General Reserve for Credit Losses $81,050  


 

 


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