|
MELBOURNE UNIVERSITY CREDIT UNION LTD
Disclosure of Credit Risk Information and Capital Adequacy
In accordance with APRA Prudential Standard APS 330
| As at 30 June 2010 |
| |
|
|
|
|
|
$,000 |
| Tier 1 capital |
|
| General reserve |
1,351 |
| Retained and current years earnings |
67 |
| Less deductions from tier 1 capital |
(53) |
- Deferred Tax Asset
|
|
- Shares held in other ADIs
|
|
Tier 1 capital (net of deductions)
|
1,365 |
| Tier 2 capital |
|
Tier 2 capital (net of deductions)
|
14 |
Total capital base
|
1,379 |
| As at 30 June 2010 |
| |
|
|
|
|
|
|
| |
|
|
|
|
|
$,000 |
| Capital requirements - |
|
- for credit risk
|
|
| Deposits with banks and ADIs |
2,227 |
| Loans and advances |
|
| Claims secured by residential mortgage |
2,179 |
| Other members loans |
1,852 |
| Commitments for loans and advances |
|
- Loans approved not advanced
|
71 |
- Loan redraw facilities
|
255 |
- Guarantees
|
|
- for cash and cash claims |
|
| - for other assets |
66 |
| - for operational risk |
1,118 |
- for other charges prescribed by APRA |
|
| Total risk weighted exposures |
7,766 |
| |
|
|
|
|
|
|
| Capital adequacy ratio |
|
- on net tier 1 capital
|
17.57% |
- on total capital base
|
17.76% |
| |
|
|
|
|
|
|
| |
| For the three month period ended 30 June 2010 |
|
| |
Gross exposures at reporting date |
Average gross exposures for the period |
Impaired facilities |
90 days past due |
Specific provisions balance |
Charge for specific provisions and write-offs for the period |
| |
$,000 |
$,000 |
$,000 |
$,000 |
$,000 |
$,000 |
| Deposits with banks or ADIs |
11,001 |
10,940 |
- |
- |
- |
- |
| Loans and advances: |
|
|
|
|
|
|
| On balance sheet: |
|
|
|
|
|
|
| - secured by residential mortgage |
6,224 |
6,203 |
0 |
0 |
0 |
0 |
| - other members loans |
1,885 |
1,893 |
55 |
55 |
33 |
(2) |
| Off balance sheet commitments: |
|
|
|
|
|
|
| - loans approved not advanced |
162 |
148 |
- |
- |
- |
- |
| - loan redraw limits |
|
|
|
|
|
|
| - revocable overdraft limits |
323 |
328 |
- |
- |
- |
- |
| - irrevocable loan drawdowns |
1,456 |
1,456 |
- |
- |
- |
- |
| - irrevocable standby commitments |
621 |
621 |
- |
- |
- |
- |
|
10,670 |
10,648 |
55 |
55 |
33 |
(2) |
| |
|
|
| The general reserve for credit losses at reporting date is ($000): |
$39 |
|
|
