Capital ($) | |
---|---|
Tier 1 capital | |
Retained earnings, including current year earnings | 292,760,319 |
Deductions from Tier 1 capital | (22,923,494) |
Total Tier 1 capital | 269,836,825 |
Tier 2 capital (net of deductions) | 63,078,347 |
Total capital base | 332,915,172 |
Risk Weighted Assets ($) | |
---|---|
Credit risk - standardised approach | |
Corporate | - |
Government | - |
ADIs | 229,713,889 |
Residential Mortgage | 1,666,062,420 |
Other Retail | 255,165,331 |
Other | 65,605,104 |
Off Balance Sheet | 50,952,736 |
Total capital requirement for credit risk | 2,267,499,480 |
Capital requirement relating to securitisation exposures | 32,834,343 |
Capital requirement for operational risk | 360,237,179 |
Total risk weighted assets capital requirement | 2,660,571,002 |
Tier 1 Capital Ratio | 10.14% |
Total Capital Ratio | 12.51% |
Gross Credit Exposure ($) |
Average Gross Credit Exposure for Quarter ($) |
|
---|---|---|
Exposure Type | ||
Cash and investment securities | 1,222,798,181 | 1,050,565,907 |
Loans and advances | 4,928,471,737 | 4,851,810,816 |
Other assets | 216,108,841 | 199,735,997 |
Total on balance sheet exposures | 6,367,378,759 | 6,102,112,720 |
Loans approved not yet advanced | 123,636,369 | 125,426,373 |
Other off balance sheet | 5,231,692 | 4,980,386 |
Total off balance sheet exposures | 128,868,061 | 130,406,759 |
Total exposures | 6,496,246,820 | 6,232,519,479 |
Exposure by Category | ||
Corporate | - | - |
Government | 258,093,885 | 112,465,830 |
ADIs | 964,704,296 | 938,100,077 |
Residential Mortgage | 4,793,225,880 | 4,719,484,457 |
Other Retail | 258,882,226 | 257,752,732 |
Other | 221,340,533 | 204,716,383 |
6,496,246,820 | 6,232,519,479 |
Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision ($) | Write-offs ($) | |
---|---|---|---|---|---|
Exposure by category | |||||
Corporate | - | - | - | - | - |
Government | - | - | - | - | - |
ADIs | - | - | - | - | - |
Residential Mortgage | 1,880,893 | 9,008,044 | 319,913 | (247,551) | 164,482 |
Other Retail | 2,753,184 | 1,250,522 | 1,155,105 | (387,136) | 404,558 |
Other | - | - | - | - | - |
Total | 4,634,077 | 10,258,566 | 1,475,018 | (634,687) | 569,040 |
General Reserve for Credit Losses | 3,167,943 |
Total Exposures Securitised ($) | Recognised Gain or Loss on Sale ($) | ||
---|---|---|---|
Underlying Asset Type | |||
Residential Mortgage | - | - | |
- | - |
On Balance Sheet($) | Off Balance Sheet($) | Total Exposures($) | |
---|---|---|---|
Securitisation Facility Type | |||
Liquidity Facilities | - | 11,004,704 | 11,004,704 |
Funding Facilities | - | 418,350 | 418,350 |
Swaps | - | 36,709,690 | 36,709,690 |
Holdings of Securities | 60,035,077 | - | 60,035,077 |
60,035,077 | 48,132,744 | 108,167,821 |
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