Heritage Finance Holdings Corporation is currently reviewing its position in relation to the RBA’s decision on 6 September to increase the Official Cash Rate. We'll make an announcement here as soon as we finalise our decision.
Capital ($) | |
---|---|
Tier 1 capital | |
Retained earnings, including current year earnings | 230,859,523 |
Deductions from Tier 1 capital | (18,752,235) |
Total Tier 1 capital | 212,107,288 |
Tier 2 capital (net of deductions) | 97,752,787 |
Total capital base | 309,860,075 |
Risk Weighted Assets ($) | |
---|---|
Credit risk - standardised approach | |
Corporate | 11,697,127 |
Government | - |
ADIs | 176,196,621 |
Residential Mortgage | 1,372,863,295 |
Other Retail | 261,044,793 |
Other | 73,813,284 |
Off Balance Sheet | 33,553,489 |
Total capital requirement for credit risk | 1,929,168,609 |
Capital requirement relating to securitisation exposures | 16,574,623 |
Capital requirement for operational risk | 290,790,808 |
Total risk weighted assets capital requirement | 2,236,534,040 |
Tier 1 Capital Ratio | 9.48% |
Total Capital Ratio | 13.85% |
Gross Credit Exposure ($) |
Average Gross Credit Exposure for Quarter ($) |
|
---|---|---|
Exposure Type | ||
Cash and investment securities | 1,066,624,526 | 1,058,450,560 |
Loans and advances | 4,140,874,530 | 4,107,687,475 |
Other assets | 150,817,522 | 144,654,669 |
Total on balance sheet exposures | 5,358,316,578 | 5,310,792,704 |
Loans approved not yet advanced | 79,255,555 | 78,067,556 |
Other off balance sheet | 4,161,713 | 4,422,672 |
Total off balance sheet exposures | 83,417,268 | 82,490,288 |
Total exposures | 5,441,733,846 | 5,393,282,932 |
Exposure by Category | ||
Corporate | 58,485,634 | 46,547,051 |
Government | 129,576,230 | 117,018,242 |
ADIs | 878,562,662 | 834,885,267 |
Residential Mortgage | 3,957,217,960 | 3,925,386,515 |
Other Retail | 262,912,125 | 260,368,516 |
Other | 154,979,235 | 149,077,341 |
5,441,733,846 | 5,393,282,932 |
Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision for quarter ($) | Write-offs for quarter ($) | |
---|---|---|---|---|---|
Exposure by category | |||||
Corporate | - | - | - | - | - |
Government | - | - | - | - | - |
ADIs | - | - | - | - | - |
Residential Mortgage | 2,434,818 | 2,353,984 | 370,271 | 370,271 | - |
Other Retail | 1,590,958 | 1,080,816 | 634,864 | (178,818) | 649,872 |
Other | - | - | - | - | - |
Total | 4,025,776 | 3,434,800 | 1,005,135 | 191,453 | 649,872 |
General Reserve for Credit Losses | 3,537,102 |