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CAPITAL
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30 Sep 2009
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Capital Structure
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1. Tier 1 Capital
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• Reserves
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$2,164,781
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• Retained Earnings (including Current Year)
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$12,728
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• Deductions from Tier 1 capital
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($230,527)
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$1,946,982
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2. Tier 2 Capital
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$500,907
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TOTAL CAPITAL BASE
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$2,403,047
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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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$13,206,036
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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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$1,755,712
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TOTAL and Tier 1 Capital Ratio
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16.06%
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CREDIT RISK EXPOSURE
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Average Balance
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• Loans
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$19,282,223
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$19,001,592
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• Claims on ADI’s
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$8,378,376
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$9,085,498
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• Fixed Assets and Investment Property
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$1,845,490
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$1,850,408
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• Cash
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$144,710
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$234,394
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• Other
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$327,009
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$276,908
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• Amount of Impaired and Past Due Facilities
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$46,380
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• Specific Provisions
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$36,642
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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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$74,622
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