Public Disclosure (APS 330)
For Quarter Ended 31 March 2015
Table 3: Capital Adequacy
The Credit Union’s regulatory capital position at 31 March 2015 was as follows:
March
2015
A$M
December
2014
A$M
830.18
109.83
774.41
112.62
316.48
305.45
5.14
172.86
1,434.48
4.99
172.86
1,370.34
Common Equity Tier 1 Capital Ratio
14.53%
14.93%
Tier 1 Capital ratio
14.53%
14.93%
Total Capital ratio
15.04%
15.47%
Risk weighted assets
Credit risk
Claims secured by residential mortgage
Other retail
Corporate
Bank and other ADI's
Government
All other
Securitisation
Market risk
Operational risk
Total risk weighted assets
Table 4a: Credit Risk
The Credit Union monitors the investment options in the market based on the credit rating of the counter party. An analysis
of concentrations of investment credit risk at 31 March 2015 is shown below:
Mar-15
Gross credit risk
Average gross
exposure
exposure
A$M
A$M
Dec-14
Gross credit risk
Average gross
exposure
exposure
A$M
A$M
Loans
Claims secured by residential
mortgage
Other
retail
2,092.48
109.02
2,067.88
125.16
2,081.79
112.49
2,065.91
126.49
Claims secured by residential
mortgage
Other
retail
326.32
.81
77.06
.85
42.00
.59
49.58
.87
Bank and other ADI's
880.42
883.43
905.46
877.75
.20
.20
.20
.20
Commitments
Investments
Over the counter derivatives
Bank and other ADI's
Qantas Staff Credit Union Ltd trading as Qantas Credit Union | ABN 53 087 650 557 | AFSL / Australian Credit Licence 238305 | BSB 704 865
Public Disclosure (APS 330)
For Quarter Ended 31 March 2015
Table 4b: Credit Risk
An analysis of concentrations of loans and advances credit risk as at 31 March 2015 is shown below:
March
2015
A$M
December
2014
A$M
1.07
.64
Collectively impaired - mortgage loans
Carrying amount
-
-
Collectively impaired – personal loans
Carrying Amount
.59
.50
Overdrawn / Over limit
Carrying Amount
.25
.34
Total impaired loans
.84
.84
Neither past due nor impaired
2,199.59
2,192.80
Gross Value of Loans and Advances
Specific provision
General reserve for credit losses
Total Net loans & advances to Members
2,201.50
(6.44)
2,195.06
2,194.28
(6.44)
2,187.84
March
2015
A$M
December
2014
A$M
-
-
.19
.17
March
2015
A$M
December
2014
A$M
Nil
Nil
317
317
341
341
Past due (>90 days) but NOT impaired
Carrying amount
Total amount charged to specific provision for the quarter
Total write offs for the quarter
Table 5: Securitisation exposure
Loans securitised during the quarter
On-Balance Sheet Securitisation Exposures
Claims secured by residential mortgage
Total
Qantas Staff Credit Union Ltd trading as Qantas Credit Union | ABN 53 087 650 557 | AFSL / Australian Credit Licence 238305 | BSB 704 865