IBL Financial Overview
IBL: capital structure and capital adequacy
FIRB
FIRB
R'million
Tier 1 capital
Shareholders' equity per balance sheet
Perpetual preference share capital and share premium
Regulatory adjustments to the accounting basis
Deductions
Common equity tier 1 capital
Additional tier 1 capital
Additional tier 1 instruments
Phase out of non-qualifying additional tier 1 instruments
Investment in financial entity
Tier 1 capital
Tier 2 capital
Collective impairment allowances
Tier 2 instruments
Investment in capital of financial entities above 10% threshold
31 March 2021
31 March 2020
45 771
41 288
(1 481)
1 337
(1769)
43 858
(1 534)
1 518
(2721)
38 551
1 336
2 664
(1 328)
45 194
751
1 994
(1227)
(16)
39 302
434
12 936
13 370
895
12 037
(27)
12 905
Total tier 2 capital
Total regulatory capital
Risk-weighted assets
Capital ratios
Common equity tier 1 ratio
Tier 1 ratio
Total capital adequacy ratio
Leverage ratio
58 564
52 207
329 468
319 090
13.3%
12.1%
13.7%
12.3%
17.8%
16.4%
8.1%
6.9%
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