Supporting information:

G2 Key information on overseas incorporated banks


			ANZ Group	CBA (NZ)	Citibank	Deutsche Bank	HSBC	JPMorgan	Kookmin	MUFG	Rabobank	Westpac
*Annual balance date*
Annual balance date			30-Sep	30-Jun	31-Dec	31-Dec	31-Dec	31-Dec	31-Dec	31-Mar	31-Dec	30-Sep

*Banking group in NZ:*
End of period covered by the disclosure statement for all NZ data			31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12
Number of months covered by the disclosure statements			3	6	12	12	12	12	12	9	12	3

*Profitability - Banking group in NZ:*
Net profit (NZ$m)			296	372	13	13	41	2	6	15	103	196
Net profit for the previous 12 months as a % of average total assets			0.9	1.0	0.5	0.5	0.8	0.2	1.3	0.7	0.9	1.0

*Profitability - Overseas banking group:*
For the period ending			30-Sep-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	30-Sep-12	31-Dec-12	30-Sep-12
Number of months covered by the period			12	6	12	12	12	12	12	6	12	12
Net profit			AUD5,667m	AUD3,661m	USD11,845m	EUR291m	HKD90,719m	USD13,955m	KRW1,416b	JPY228b	EUR2,112m	AUD6,036m
Net profit for the previous 12 months as a % of average total assets			0.9	1.0	0.9	-	1.6	0.8	0.6	0.1	0.3	0.9

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

*Credit rating(s)*
Issued by Standard and Poor's		²	AA-	AA-	A	A+	AA-	A+	A	A+	AA-	AA-
Issued by Moody's		²	Aa2	Aa2	A3	A2	Aa2	Aa3	A1	Aa3	Aa2	Aa2
Issued by Fitch		²	AA-	AA-	A	A+	AA-	A+	-	A-	AA	AA-

*Capital adequacy of overseas banking group*
As at			31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	30-Sep-12	31-Dec-12	31-Dec-12
Tier 1 ratio		³	10.90	10.50	14.21	15.10	13.70	10.22	10.87	11.92	17.20	10.70
Capital ratio		³	12.10	11.20	16.41	17.10	14.30	13.42	14.40	15.48	19.00	12.10

*Size - Banking group in NZ:*
Total assets (NZ$m)			130,730	70,730	2,180	2,759	5,046	746	391	2,867	11,438	78,018
% change last 12 months			4.5	0.9	1.5	-10.8	2.2	-26.0	-8.5	12.5	9.0	1.9

*Size - Overseas banking group:*
As at			30-Sep-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	31-Dec-12	30-Sep-12	31-Dec-12	30-Sep-12
Total assets			AUD642b	AUD712b	USD1,313b	EUR2,012b	HKD6,065b	USD1,897b	KRW257,749b	JPY169,544b	EUR752b	AUD675b
% change last 12 months			6.3	2.8	1.9	-7.0	8.2	4.7	0.5	0.1	2.8	0.7

*Asset quality - Banking group in NZ:*
Impaired assets (NZ$m)			1,145	365	-	-	65	-	1	-	398	779
As a % of total assets			0.9	0.5	-	-	1.3	-	0.2	-	3.5	1.0
Specific provisions (NZ$m)			461	92	-	-	50	-	0	-	143	279
As a % of impaired assets			40.3	25.2	-	-	76.0	-	27.1	-	36.0	35.8
Collective provisions (NZ$m)			621	149	-	-	4	-	0	-	18	336

*Asset quality - Overseas banking group:*
As at			30-Sep-12	31-Dec-12	31-Dec-12	30-Sep-12	31-Dec-12	31-Dec-12	31-Dec-12	30-Sep-12	31-Dec-12	30-Sep-12
Impaired assets			AUD5,196m	AUD4,313m	USD25,759m	EUR6,372m	HKD11,394m	USD32,938m	KRW3,298b	JPY1,610b	EUR11,203m	AUD3,995m
As a % of total assets			0.8	0.6	2.0	0.3	0.2	1.7	1.3	1.0	1.5	0.6
Specific provisions			AUD1,773m	AUD1,845m	-	EUR2,190m	HKD5,245m	USD17,191m	KRW1,293b	JPY308b	EUR3,003m	AUD1,470m
As a % of impaired assets			34.1	42.8	-	34.3	46.0	52.2	42.2	19.1	26.8	37.2
Collective provision			AUD2,765m	AUD2,858m	-	EUR2,393m	HKD4,526m	-	KRW2,869b	JPY612b	EUR258m	AUD2,771m



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

Last updated 19 April 2013
Source: Reserve Bank of New Zealand

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