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Investor Presentaiton

Capital levels are well above regulatory minimums WNZL regulatory capital ratios (%) FY13 capital ratios Basel III (%) 20 20 Basel II Basel III Capital adequacy ratios 14.1 11.9 12.1 12.3 15 Common Equity Tier One Capital ratio 12.3 13.0 13.1 11.9 13.0 12.1 12.1 12.3 12.3 12.0 11.7 10.5 Tier One Capital ratio 12.3 10 Total Capital ratio 12.3 5 Reserve Bank minimum ratios 0 Sep-11 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Common Equity Tier One Capital ratio 4.5 Total common equity Tier 1 Total Capital Tier One Capital ratio¹ 6.0 Total Capital ratio 8.0 7,000 WNZL equity composition ($m) 970 500 500 5,500 1,079 1,237 1,425 1,602 1,818 970 4,000 967 4,600 4,600 4,600 4,600 2,500 4,600 3,470 1,000 Sep-11 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Equity Retained earnings Subordinated debt : 21 Buffer ratios Buffer ratio² Buffer ratio requirement² 4.3 2.5 1. Prior to a change in the Conditions of registration that took effect on 1 January 2013, locally incorporated registered banks having the benefit of the Wholesale Funding Guarantee Facility were required to maintain an additional 2% Tier One Capital ratio buffer above the then 4% regulatory minimum. Following the change, all locally incorporated registered banks are required to hold a minimum Tier One Capital ratio of 6%. 2. As at 30 September 2013, there was no prescribed minimum regulatory buffer. A prescribed minimum regulatory ratio of 2.5% came into effect from 1 January 2014. W
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