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 ($) | |
|---|---|
| Tier 1 capital | |
| Retained earnings, including current year earnings | 312,491,481 |
| Deductions from Tier 1 capital | (25,704,662) |
| Total Tier 1 capital | 286,786,819 |
| Tier 2 capital (net of deductions) | 53,755,099 |
| Total capital base | 340,541,918 |
| Capital ($) | |
|---|---|
| Tier 1 capital | |
| Retained earnings, including current year earnings | 292,760,319 |
| Deductions from Tier 1 capital | (22,923,494) |
| Total Tier 1 capital | 269,836,825 |
| Tier 2 capital (net of deductions) | 63,078,347 |
| Total capital base | 332,915,172 |
| Risk Weighted Assets ($) | |
|---|---|
| Credit risk - standardised approach | |
| Corporate | - |
| Government | - |
| ADIs | 277,924,923 |
| Residential Mortgage | 1,787,764,171 |
| Other Retail | 243,448,395 |
| Other | 51,637,173 |
| Off Balance Sheet | 47,619,310 |
| Total capital requirement for credit risk | 2,408,393,972 |
| Capital requirement relating to securitisation exposures | 26,827,134 |
| Capital requirement for operational risk | 370,692,404 |
| Total risk weighted assets capital requirement | 2,805,913,510 |
| Tier 1 Capital Ratio | 10.22% |
| Total Capital Ratio | 12.14% |
| Risk Weighted Assets ($) | |
|---|---|
| Credit risk - standardised approach | |
| Corporate | - |
| Government | - |
| ADIs | 267,410,638 |
| Residential Mortgage | 1,740,100,504 |
| Other Retail | 244,374,562 |
| Other | 57,863,221 |
| Off Balance Sheet | 53,902,816 |
| Total capital requirement for credit risk | 2,363,651,741 |
| Capital requirement relating to securitisation exposures | 30,268,560 |
| Capital requirement for operational risk | 360,237,179 |
| Total risk weighted assets capital requirement | 2,754,157,480 |
| Tier 1 Capital Ratio | 10.08% |
| Total Capital Ratio | 12.36% |
| Gross Credit Exposure ($) |
Average Gross Credit Exposure for Quarter ($) |
|
|---|---|---|
| Exposure Type | ||
| Cash and investment securities | 1,221,174,586 | 1,241,502,506 |
| Loans and advances | 5,247,092,638 | 5,213,160,826 |
| Other assets | 158,340,617 | 142,992,276 |
| Total on balance sheet exposures | 6,626,607,841 | 6,597,655,608 |
| Loans approved not yet advanced | 116,055,291 | 117,132,982 |
| Other off balance sheet | 6,010,409 | 6,131,886 |
| Total off balance sheet exposures | 122,065,700 | 123,264,868 |
| Total exposures | 6,748,673,541 | 6,720,920,476 |
| Exposure by Category | ||
| Corporate | - | - |
| Government | 90,686,851 | 167,480,194 |
| ADIs | 1,130,487,735 | 1,074,022,312 |
| Residential Mortgage | 5,116,086,750 | 5,085,108,356 |
| Other Retail | 247,061,178 | 245,185,452 |
| Other | 164,351,027 | 149,124,162 |
| 6,748,673,541 | 6,720,920,476 | |
| Gross Credit Exposure ($) |
Average Gross Credit Exposure for Quarter ($) |
|
|---|---|---|
| Exposure Type | ||
| Cash and investment securities | 1,119,631,859 | 1,047,981,173 |
| Loans and advances | 5,119,958,099 | 5,058,078,348 |
| Other assets | 193,352,986 | 205,877,221 |
| Total on balance sheet exposures | 6,432,942,944 | 6,311,936,742 |
| Loans approved not yet advanced | 132,532,698 | 127,516,914 |
| Other off balance sheet | 6,104,371 | 5,475,002 |
| Total off balance sheet exposures | 138,637,069 | 132,991,916 |
| Total exposures | 6,571,580,013 | 6,444,928,658 |
| Exposure by Category | ||
| Corporate | - | - |
| Government | 52,459,197 | 42,017,638 |
| ADIs | 1,067,172,662 | 1,005,963,535 |
| Residential Mortgage | 5,004,160,251 | 4,936,432,369 |
| Other Retail | 248,330,546 | 249,162,893 |
| Other | 199,457,357 | 211,352,223 |
| 6,571,580,013 | 6,444,928,658 | |
| Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision ($) | Write-offs ($) | |
|---|---|---|---|---|---|
| Exposure by category | |||||
| Corporate | - | - | - | - | - |
| Government | - | - | - | - | - |
| ADIs | - | - | - | - | - |
| Residential Mortgage | 2,063,385 | 5,352,372 | 178,603 | (180,405) | 201,876 |
| Other Retail | 2,819,172 | 1,384,432 | 1,230,820 | 16,012 | 326,262 |
| Other | - | - | - | - | - |
| Total | 4,882,557 | 6,736,804 | 1,409,423 | (164,393) | 528,138 |
| General Reserve for Credit Losses | 3,454,553 | ||||
| Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision ($) | Write-offs ($) | |
|---|---|---|---|---|---|
| Exposure by category | |||||
| Corporate | - | - | - | - | - |
| Government | - | - | - | - | - |
| ADIs | - | - | - | - | - |
| Residential Mortgage | 3,411,489 | 6,087,939 | 359,008 | 39,095 | 5,000 |
| Other Retail | 2,758,216 | 1,172,876 | 1,214,808 | 59,703 | 307,566 |
| Other | - | - | - | - | - |
| Total | 6,169,705 | 7,260,815 | 1,573,816 | 98,798 | 312,566 |
| General Reserve for Credit Losses | 3,003,195 | ||||
| Total Exposures Securitised ($) | Recognised Gain or Loss on Sale ($) | ||
|---|---|---|---|
| Underlying Asset Type | |||
| Residential Mortgage | - | - | |
| - | - | ||
| Total Exposures Securitised ($) | Recognised Gain or Loss on Sale ($) | ||
|---|---|---|---|
| Underlying Asset Type | |||
| Residential Mortgage | - | - | |
| - | - | ||
| On Balance Sheet($) | Off Balance Sheet($) | Total Exposures($) | |
|---|---|---|---|
| Securitisation Facility Type | |||
| Liquidity Facilities | - | 10,084,502 | 10,084,502 |
| Funding Facilities | - | 376,764 | 376,764 |
| Swaps | - | 31,350,687 | 31,350,687 |
| Holdings of Securities | 49,081,337 | - | 49,081,337 |
| 49,081,337 | 41,811,953 | 90,893,290 | |
| On Balance Sheet($) | Off Balance Sheet($) | Total Exposures($) | |
|---|---|---|---|
| Securitisation Facility Type | |||
| Liquidity Facilities | - | 10,531,154 | 10,531,154 |
| Funding Facilities | - | 396,643 | 396,643 |
| Swaps | - | 33,268,351 | 33,268,351 |
| Holdings of Securities | 54,437,832 | - | 54,437,832 |
| 54,437,832 | 44,196,148 | 98,633,980 | |