BENDIGO AND ADELAIDE BANK LIMITED ASX Announcement
onlyBasel III Pillar 3 Disclosures: Prudential Standard APS 330
9 November 2021
useBendigo and Adelaide Bank Limited (ASX:BEN), is an Authorised Deposit-taking Institution (ADI) subject to regulation by the Australian Prudential Regulation Authority (APRA). Attached is the prudential information required to be disclosed in accordance with Prudential Standard APS 330.
The prudential disclosures have been prepared for Bendigo and Adelaide Bank Limited.
personalThe disclosures provided have been prepared as at 30 September 2021. Approved for release by: Bendigo and Adelaide Bank Board
ForMedia enquiries
Lauren Andrews, Acting Head of Public Relations p 03 5485 7109 m 0407 340 283
e lauren.andrews@bendigoadelaide.com.au
About Bendigo and Adelaide Bank Limited
Bendigo and Adelaide Bank is Australia's better big bank, with more than 7,000 staff helping our over 2 million customers to achieve their financial goals. Bendigo and Adelaide Bank's vision is to be Australia's bank of choice, by feeding into the prosperity of customers and their communities.
only
For personal eus
For personal use only
Table of Contents
Table 3 | Capital Adequacy | 3 |
Table 4 | Credit Risk | 4 |
Table 5 | Securitisation | 5 |
Table 20 | Liquidity Coverage Ratio | 6 |
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Bendigo and Adelaide Bank Limited, Basel III Pillar 3 Disclosures, 30 September 2021
Table 3 | Capital Adequacy | |
Risk-weighted Assets | ||
only | Capital requirements (in terms of risk-weighted assets) for credit risk (excluding | |
securitisation) by portfolio: | ||
Claims secured by residential mortgage | ||
Other retail | ||
Corporate | ||
Banks and Other ADIs | ||
Government | ||
use | All other | |
Total on balance sheet assets and off balance sheet exposures | ||
Securitisation Risk weighted assets 1 | ||
Market Risk weighted assets | ||
Operational Risk weighted assets | ||
personalFor | Total Risk Weighted Assets | |
Capital Ratios (for the consolidated group) | ||
Common Equity Tier 1
Tier 1
Total Capital
Notes
1 Please refer to Table 5 for securitisation exposures.
30 September 2021 | 30 June 2021 |
$m | $m |
20,194.4 | 20,210.0 |
14,117.2 | 14,339.6 |
- | - |
378.5 | 265.5 |
71.0 | 73.7 |
1,035.0 | 1,053.9 |
35,796.1 | 35,942.7 |
395.1 | 469.3 |
16.1 | 129.3 |
3,928.0 | 3,928.0 |
40,135.3 | 40,469.3 |
% | % |
9.69 | 9.57 |
11.74 | 11.61 |
13.95 | 13.81 |
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Bendigo and Adelaide Bank Limited, Basel III Pillar 3 Disclosures, 30 September 2021
Table 4 | Credit Risk |
For personal use only
Gross Credit Exposure | Average Gross Credit Exposure | |||||
Exposure Type 3 | 30 September 2021 | 30 June 2021 | 30 September 2021 | 30 June 2021 | ||
$m | $m | $m | $m | |||
Loans and other receivables | 78,581.5 | 74,267.8 | 76,424.7 | 71,485.8 | ||
Debt securities | 3,231.6 | 2,131.9 | 2,681.7 | 1,685.3 | ||
Commitments and other non-market off balance sheet exposures 2 | 2,493.7 | 2,366.4 | 2,430.0 | 2,389.1 | ||
Market-related off balance sheet exposures 2 | 157.7 | 154.0 | 155.9 | 150.4 | ||
Total exposures | 84,464.5 | 78,920.1 | 81,692.3 | 75,710.6 | ||
Gross Credit Exposure | Average Gross Credit Exposure | |||||
Portfolios 3 | 30 September 2021 | 30 June 2021 | 30 September 2021 | 30 June 2021 | ||
$m | $m | $m | $m | |||
Claims secured by residential mortgage 2 | 54,429.0 | 54,274.0 | 54,351.5 | 53,757.8 | ||
Other retail 2 | 15,330.7 | 15,526.7 | 15,428.7 | 15,384.0 | ||
Corporate | - | - | - | - | ||
Banks and other ADIs | 1,985.1 | 1,157.3 | 1,571.2 | 958.4 | ||
Government | 11,387.1 | 6,557.4 | 8,972.3 | 4,253.9 | ||
All other 2 | 1,332.6 | 1,404.7 | 1,368.6 | 1,356.5 | ||
Total exposures | 84,464.5 | 78,920.1 | 81,692.3 | 75,710.6 | ||
Charges for Specific | ||||||
30 September 2021 | Past Due Loans | Provisions and Write- | ||||
Impaired Loans | > 90 days | Specific Provisions | offs during the Period | |||
Portfolios | $m | $m | $m | $m | ||
Claims secured by residential mortgage | 61.3 | 272.8 | 5 | 25.4 | 4 | (1.2) |
Other retail | 119.8 | 224.8 | 5 | 83.1 | 4 | (3.2) |
Corporate | - | - | - | - | ||
Banks and other ADIs | - | - | - | - | ||
Government | - | - | - | - | ||
All other | - | - | - | - | ||
Total exposures | 181.1 | 497.6 | 108.5 | (4.4) | ||
Charges for Specific | ||||||
30 June 2021 | Past Due Loans | Provisions and Write- | ||||
Impaired Loans | > 90 days | Specific Provisions | offs during the Period | |||
Portfolios | $m | $m | $m | $m | ||
Claims secured by residential mortgage | 64.6 | 303.7 | 5 | 27.9 | 4 | 0.6 |
Other retail | 143.8 | 247.8 | 5 | 97.2 | 4 | 14.7 |
Corporate | - | - | - | - | ||
Banks and other ADIs | - | - | - | - | ||
Government | - | - | - | - | ||
All other | - | - | - | - | ||
Total exposures | 208.4 | 551.5 | 125.1 | 15.3 | ||
30 September 2021 | 30 June 2021 | |||||
$m | $m | |||||
General reserve for credit losses | 315.5 | 320.6 |
Notes
- Off-balancesheet exposures have been converted to their credit equivalent amounts.
- Excludes equity investments and securitisation exposures.
- Specific provisions include some items that are treated as collective provisions for statutory reporting, however, are treated as specific provisions for regulatory purposes. This includes provisions for Great Southern $6.7 million (June 2021 $6.7 million) and loans in Stage 3 $21.1 million (June 2021 $24.1 million) under AASB 9 Financial Instruments.
- Includes loans under commercial arrangement, $141.89 million (June 2021 $191.65 million).
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Bendigo and Adelaide Bank Limited published this content on 08 November 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 08 November 2021 21:57:15 UTC.
