Supporting information:

G1 Key information on locally incorporated banks


			ANZ National	ASB	BARODA	BNZ	Bank of India	KIWI	Rabo NZ	SBS	TSB	Westpac NZ Ltd.
*Time period covered*
Annual balance date			30-Sep	30-Jun	31-Mar	30-Sep	31-Mar	30-Jun	31-Dec	31-Mar	31-Mar	30-Sep
End of period covered by the disclosure statement			31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11	31-Dec-11
Number of months covered by the disclosure statements			3	6	9	3	9	6	12	9	9	3

*Profitability*
Net profit (NZ$m)			400	372	1	289	0	38	54	10	37	145
Net profit of previous 12 months as a % of average total assets			1.1	1	1	1.1	..	0.3	0.7	0.4	1	0.8

*Peak credit exposure concenrations to non-bank counterparties*
Equal to 10% but less than 20%		¹	-	-	-	1	-	1	2	-	7	1
Equal to 20% but less than 30%		¹	-	-	-	-	-	-	-	-	1	-
Equal to or greater than 30%		¹	-	-	-	-	-	-	1	-	1	-

*Peak credit exposure concentrations to bank counterparties*
Equal to 10% but less than 50%		¹	-	-	-	-	-	-	-	-	-	-
Equal 50% but less than 100%		¹	-	-	-	-	-	-	-	-	-	-
Equal to or greater than 100%		¹	-	-	-	-	-	-	-	-	-	-

*Peak connected person credit exposures*
All connected persons (NZ$m)			-	-	-	-	-	-	11	-	-	-
As a % of tier one capital			-	-	-	-	-	-	1.6	-	-	-
Non-bank connected persons (NZ$m)			-	-	-	-	-	-	0	-	-	-
As a % of tier one capital			-	-	-	-	-	-	-	-	-	-

*Credit rating(s)*
Issued by Standard and Poor's		²	AA-	AA-	-	AA-	BBB-	AA-	AA	-	BBB+	AA-
Issued by Moody's		²	Aa3	Aa3	-	Aa3	-	Aa3	-	-	-	Aa3
Issued by Fitch		²	AA-	AA	BBB-	-	-	-	-	BBB	-	AA-

*Capital adequacy*
Tier 1 ratio		³	11.27	11.2	174.5	8.76	387.14	10.1	7.67	12.02	15.1	11.1
Capital ratio		³	14.22	12.9	175.2	12.17	387.75	12.1	11.13	14.58	15.56	13.6

*Size*
Total assets (NZ$m)			114,784	65,451	62	71,487	52	14,386	7,867	2,845	5,150	67,124
% change last 12 months			0.9	3.1	22.3	4.2	..	10.9	9.6	0.7	9.1	19.2

*Asset quality*
Impaired assets (NZ$m)			1,643	251	-	614	-	100	395	40	2	909
As a % of total assets			1.4	0.4	-	0.9	-	0.7	5	1.4	0.1	1.4
Specific provisions (NZ$m)			485	71	-	226	-	48	107	15	1	276
As a % of impaired assets			29.5	28.3	-	36.8	-	48	27	37.5	55	30.4
Collective provisions (NZ$m)			648	147	-	292	-	44	28	9	17	426


¹	Number in relation to group equity
²	On NZ$ long-term senior unsecured obligations in NZ
³	As a % of total risk-weighted credit exposures

Last updated 18 April 2012
Source: Reserve Bank of New Zealand
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