Supporting information:
G1 Key information on locally incorporated banks
| ANZ Bank NZ Ltd. | ASB | BARODA | BNZ | Bank of India | Co-op Bank | Heartland | KIWI | Rabo NZ | SBS | TSB | Westpac NZ Ltd. | ||||||||||||||
| Time period covered | |||||||||||||||||||||||||
| Annual balance date | 30-Sep | 30-Jun | 31-Mar | 30-Sep | 31-Mar | 31-Mar | 30-Jun | 30-Jun | 31-Dec | 31-Mar | 31-Mar | 30-Sep | |||||||||||||
| End of period covered by the disclosure statement | 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 | 31-Dec-12 | 31-Dec-12 | |||||||||||||
| Number of months covered by the disclosure statements | 3 | 6 | 9 | 3 | 9 | 9 | 6 | 6 | 12 | 9 | 9 | 3 | |||||||||||||
| Profitability | |||||||||||||||||||||||||
| Net profit (NZ$m) | 300 | 365 | 0 | 126 | 0 | 5 | 11 | 58 | 84 | 9 | 41 | 158 | |||||||||||||
| Net profit of previous 12 months as a % of average total assets | 1.0 | 1.1 | 0.3 | 0.6 | 0.2 | 0.5 | 1.1 | 0.7 | 1.0 | 0.4 | 1.0 | 0.9 | |||||||||||||
| Peak credit exposure concentrations to non-bank counterparties | |||||||||||||||||||||||||
| Equal to 10% but less than 20% | 1 | - | - | - | - | - | 6 | - | - | 1 | - | 8 | - | ||||||||||||
| Equal to 20% but less than 30% | 1 | - | - | - | - | - | 1 | - | - | - | - | 3 | 1 | ||||||||||||
| Equal to or greater than 30% | 1 | - | - | - | - | - | - | - | - | 1 | - | - | - | ||||||||||||
| Peak credit exposure concentrations to bank counterparties | |||||||||||||||||||||||||
| Equal to 10% but less than 50% | 1 | - | - | - | - | - | - | - | - | 1 | - | - | - | ||||||||||||
| Equal 50% but less than 100% | 1 | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||
| Equal to or greater than 100% | 1 | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||
| Peak connected person credit exposures | |||||||||||||||||||||||||
| All connected persons (NZ$m) | - | - | - | - | - | - | - | - | 517 | - | - | - | |||||||||||||
| As a % of tier one capital | - | - | - | - | - | - | - | - | 1.6 | - | - | - | |||||||||||||
| Non-bank connected persons (NZ$m) | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||
| As a % of tier one capital | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||
| Credit rating(s) | |||||||||||||||||||||||||
| Issued by Standard and Poor's | 2 | AA- | AA- | - | AA- | BBB- | BBB- | BBB- | A+ | AA- | - | BBB+ | AA- | ||||||||||||
| Issued by Moody's | 2 | Aa3 | Aa3 | - | Aa3 | - | - | - | Aa3 | - | - | - | Aa3 | ||||||||||||
| Issued by Fitch | 2 | AA- | AA- | BBB- | - | - | - | - | AA+ | - | BBB | - | AA- | ||||||||||||
| Capital adequacy | |||||||||||||||||||||||||
| Tier 1 ratio | 3 | 11.15 | 12.20 | 154.20 | 11.17 | 169.22 | 16.60 | 14.89 | 10.60 | 9.62 | 13.03 | 14.46 | 11.70 | ||||||||||||
| Capital ratio | 3 | 12.80 | 12.20 | 154.50 | 13.46 | 169.22 | 17.00 | 14.89 | 13.50 | 12.95 | 15.10 | 14.93 | 13.10 | ||||||||||||
| Size | |||||||||||||||||||||||||
| Total assets (NZ$m) | 121,982 | 65,309 | 57 | 74,032 | 64 | 1,516 | 2,343 | 15,232 | 9,090 | 2,832 | 5,381 | 70,068 | |||||||||||||
| % change last 12 months | 6.3 | -0.2 | -8.2 | 3.6 | 18.1 | 3.9 | -1.4 | 5.9 | 15.5 | -0.5 | 4.5 | 4.4 | |||||||||||||
| Asset quality | |||||||||||||||||||||||||
| Impaired assets (NZ$m) | 1,111 | 329 | 1 | 452 | - | 3 | 49 | 56 | 318 | 38 | 4 | 779 | |||||||||||||
| As a % of total assets | 0.9 | 0.5 | 1.7 | 0.6 | - | 0.2 | 2.1 | 0.4 | 3.5 | 1.3 | 0.1 | 1.1 | |||||||||||||
| Specific provisions (NZ$m) | 451 | 66 | 0 | 145 | - | 1 | 18 | 28 | 108 | 23 | 2 | 279 | |||||||||||||
| As a % of impaired assets | 40.6 | 20.1 | 20.0 | 32.1 | - | 41.2 | 37.2 | 50.0 | 34.0 | 60.4 | 53.2 | 35.8 | |||||||||||||
| Collective provisions (NZ$m) | 605 | 138 | 0 | 179 | - | 3 | 9 | 46 | 16 | 9 | 17 | 335 | |||||||||||||
| 1 | Number in relation to group equity | ||||||||||||||||||||||||
| 2 | On NZ$ long-term senior unsecured obligations in NZ | ||||||||||||||||||||||||
| 3 | As a % of total risk-weighted credit exposures | ||||||||||||||||||||||||
Last updated 19 April 2013 |
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Source: Reserve Bank of New Zealand |
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