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