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
Source: Reserve Bank of New Zealand

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