JUDO CAPITAL HOLDINGS LIMITED ASX ANNOUNCEMENT
26 May 2022
For personal use only
APRA BASEL III PILLAR 3 DISCLOSURE
Judo Capital Holdings Limited (ASX: JDO) ("Judo") today released its Basel III Pillar 3 report for the quarter ended 31 March 2022, as required by APRA Prudential Standard APS 330: Public Disclosure.
Judo advises that its Basel III Pillar 3 report has been prepared using APRA's prescribed definitions. APRA definitions for certain items may differ to the IFRS and management definitions used for the preparation of interim and full year financial reports and associated investor material.
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Authorised for release by Yien Hong, Company Secretary.
MEDIA ENQUIRIES:
William Roberts (Cannings): 0431 318 893 / wroberts@canningscomms.com.au
ANALYST ENQUIRIES:
Andrew Dempster: 0497 799 960 / andrew.dempster@judo.bank
About Judo Bank: Judo Bank is Australia's first purpose-built challenger bank for small and medium-sized businesses (SMEs) and the first fully licensed Australian bank to IPO in 25 years. Judo was founded by a small group of experienced lending professionals and its purpose is to be the most trusted SME business bank in Australia. The company's relationship-led lending model, which brings back the craft of relationship banking, is enabled by its legacy free, digital, cloud-based technology architecture. Lending products are originated and distributed through direct and third-party channels and are funded by deposits, wholesale debt and regulatory capital.
Judo Capital Holdings Limited | ABN 71 612 862 727 | Level 3, 40 City Road, Southbank, VIC 3006 | www.judo.bank
Basel III Pillar 3.
Quarter ended 31 March 2022 onlyuse
personalFor
Contents. | |
only | |
1. | Capital Structure |
2. | Main Features of Capital Instruments |
3. | Capital Adequacy |
4. | Credit Risk |
5. | Securitisation |
For personal use |
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This report has been prepared by Judo Bank Pty Ltd to meet its disclosure requirements under the Australian Prudential Regulation Authority's (APRA) Prudential Standard APS 330: Public Disclosure. It has been prepared using quarter ended 31 March 2022 data at the consolidated Judo Group level (level 2) including the authorised Non-Operating Holding Company, Judo Capital Holdings Limited.
1. Capital Structure.
only | March 2022 | December 2021 | ||
$m | $m | |||
Common Equity Tier 1 Capital | ||||
Paid-up ordinary shares (net of capital raising costs) | 1,513.3 | 1,513.3 | ||
Reserves | (21.0) | (28.5) | ||
Regulatory retained earning including current year earnings and GRCL top up | (98.2) | (105.9) | ||
Total Common Equity Tier 1 Capital | 1,394.1 | 1,379.1 | ||
Regulatory Adjustments | ||||
Deferred Tax Assets | (60.0) | (62.2) | ||
Goodwill and Intangibles | (19.5) | (17.3) | ||
use | (11.2) | (6.1) | ||
personal | Deferred expenditure | |||
Cash-flow hedge reserve | (10.9) | (4.6) | ||
Total regulatory adjustments | (101.6) | (90.2) | ||
Net common equity Tier 1 Capital | 1,292.5 | 1,288.9 | ||
Total Tier 1 Capital | 1,292.5 | 1,288.9 | ||
Tier 2 Capital | ||||
Tier 2 Capital instruments | 50.0 | 50.0 | ||
General Reserve for Credit Losses | 35.8 | 34.6 | ||
Total Tier 2 Capital | 85.8 | 84.6 | ||
Total Capital | 1,378.3 | 1,373.5 | ||
2. Main Features of Capital Instruments. | ||||
For |
Judo Bank's main features of capital instruments are updated on an ongoing basis and are available at the Regulatory Disclosures section of the judo.bank website at the following address https://www.judo.bank/asx-announcements
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3. Capital Adequacy.
onlyRisk Weighted Assets Level 2 Subject to the Standardised Approach
Government
Bank
Residential Mortgages Other retail
useCorporate(1) Other
Total On and Off-Balance Sheet Exposures
Securitisation Exposures
personalMarket Risk Exposures Operational Risk Exposures
Total Risk Weighted Assets
Note:
(1) Includes commercial lending and leasing.
Capital Ratios Level 2
Common Equity Tier 1
Tier 1
Total Capital
For
March 2022 | December 2021 |
$m | $m |
0.00.0
96.4111.5
1,448.11,420.8
0.00.0
3,500.13,378.9
73.231.6
5,117.84,942.8
0.00.0
0.00.0
577.5577.5
5,695.35,520.3
22.7% | 23.3% |
22.7% | 23.3% |
24.2% | 24.9% |
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Disclaimer
Judo Capital Holdings Ltd. published this content on 25 May 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 26 May 2022 05:51:46 UTC.
