G2 Information extracted Key Information Summaries of overseas incorporated banks
Banque Barclays Citibank HKSB PIBA Rabobank Westpac
Indosuez
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
Banking group:
End of period covered by disclosure statement 31-Mar-96 31-Mar-96 31-Mar-96 31-Mar-96 31-Mar-96 1-Apr-96 31-Mar-96
Number of months covered by disclosure statement 3 3 3 3 3 0 6
Overseas Banking group:
End of period covered by disclosure statement 31-Dec-95 31-Dec-95 31-Mar-96 31-Dec-95 31-Dec-95 31-Dec-95 31-Mar-96
Number of months covered by disclosure statement 12 12 3 12 15 12 6
Profitability
Banking group:
Net profit after tax and extraordinary items (NZ$m) 0.095 0.155 2.073 4.521 0.1 N/A 70
As a % of average total assets (annualised) N/A 0.02 0.55 0.52 0.23 N/A 0.95
Overseas banking group:
Net profit after tax and extraordinary items FRS31m GBP1,364m USD914m HKD19,723m AUD20.768m NLG1,427m AUD565m
As a % of average total assets (annualised) 0.02 0.8 1.37 1.8 0.73 0.51 1
Peak credit exposure concentrations
(number for Banking Group in relation to the equity
of the Overseas Banking Group)
Non-bank counterparties:
10-20% 0 0 0 0 1 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long term senior unsecured obligations)
Rating A- N/A Aa3/AA- A3 AAA AAA/Aaa A+/Aa3
Issuer S&P N/A Moodys/ S&P Moodys S&P S&P/Moodys S&P/ Moodys
Capital adequacy
(of the Overseas Banking Group)
Tier 1 ratio (%) 6.4 7.7 8.42 9.4 5.23 9.2 9.2
Capital ratio (%) 10.57 10.9 12.37 15.1 9.92 12 13
Size
Banking Group:
Total assets (NZ$m) 240.109 854.1 1440.81 3466.41 377.4 0 15170.3
Percentage change last 12 months N/A -23.9 -7.53 -17.07 110 N/A 10.1
Overseas Banking Group:
Total assets NZD124,258m GBP168,826m USD263,566m HKD1,172,516m AUD2,586m NLG293,516m AUD115,746m
Percentage change last 12 months 4.9 4 -2.02 8.7 32.5 9.1 18.4
Asset quality
Banking Group:
Impaired assets (NZ$m) 22.434 30.3 3.937 N/A 0 0 229.9
As a percentage of total assets 9.34 3.6 0.27 N/A N/A N/A 1.5
Specific provisions (NZ$m) 12.6 9.4 0 N/A 0 0 117.9
As a percentage of impaired assets 56.16 31 N/A N/A N/A N/A 51.3
Overseas Banking Group:
Impaired assets N/A GBP4,993m USD6,587m HKD12,409m AUD14.4m NLG5,490m AUD1,747m
As a percentage of total assets N/A 3 2.5 1.06 0.55 2 1.5
Specific provisions N/A GBP1,871m USD5,390m HKD8,284m AUD0.739m NLG2,254m AUD749m
As a percentage of impaired assets N/A 37.5 81.83 66.76 5.1 41.1 42.9
G2 Information extracted from Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Banque Barclays (*3) Citibank (*2) HKSB PIBA Rabobank Westpac
Mit. (Aust.) Indosuez
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
Banking group:
End of period covered by disclosure statement N/A 30-Jun-96 30-Jun-96 30-Jun-96 30-Jun-96 30-Jun-96 30-Jun-96 30-Jun-96
Number of months covered by disclosure statement N/A 6 6 6 6 6 6 9
Overseas Banking group:
End of period covered by disclosure statement 30-Jun-96 31-Dec-95 30-Jun-96 30-Jun-96 30-Jun-96 31-Dec-95 31-Dec-95 31-Mar-96
Number of months covered by disclosure statement 6 12 6 6 6 15 12 6
Profitability
Banking group:
Net profit after tax and extraordinary items (NZ$m) N/A 1.202 2.032 4.174 6.4 0.4 0.05 100
As a % of average total assets (annualised) N/A 1.13 0.2 0.55 0.4 0.1 0.3 0.88
Overseas banking group:
Net profit after tax and extraordinary items AUD2.111m FRS533m GBP882m USD1866m HKD19,723m(*1) AUD20.768m NLG1,427m AUD565m
As a % of average total assets (annualised) 0.14 0.1 1 1.4 1.8(*1) 0.73 0.51 1
Peak credit exposure concentrations
(number for Banking Group in relation to the equity
of the Overseas Banking Group)
Non-bank counterparties:
10-20% N/A 0 0 0 0 1 0 0
20-30% N/A 0 0 0 0 0 0 0
>30% N/A 0 0 0 0 0 0 0
Bank counterparties:
10-50% N/A 0 0 0 0 0 0 0
50-100% N/A 0 0 0 0 0 0 0
>100% N/A 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long term senior unsecured obligations in NZ)
Rating None A+ N/A Aa3/AA- A3 AAA AAA/Aaa A+/Aa3
Issuer N/A S&P N/A Moodys/ S&P Moodys S&P S&P/Moodys S&P/ Moodys
Capital adequacy
(of the Overseas Banking Group)
Tier 1 ratio (%) N/A 6.42 7.3 8.38 9.8 5.23 9.2 9.2
Capital ratio (%) N/A 10.62 10.3 12.35 15.1 9.92 12 13
Size
Banking Group:
Total assets (NZ$m) N/A 214.675 947.634 1479.315 4227 310.8 34.9 26802
Percentage change last 12 months N/A -19.1 N/A -28.25 19.1 2.3 N/A 87
Overseas Banking Group:
Total assets AUD2,850.765m FRS428,476m GBP191,618m USD266,824m HKD1,220,965m AUD2,586m NLG293,516m AUD115,746m
Percentage change last 12 months -7.75 4.16 N/A 3.83 7.7 32.5 9.1 18.4
Asset quality
Banking Group:
Impaired assets (NZ$m) N/A 13.738 36.203 3.215 1.4 0 0 231
As a percentage of total assets N/A 5.11 3.8 0.22 - N/A N/A 0.8
Specific provisions (NZ$m) N/A 7.049 4.72 0 0.7 0 0 148
As a percentage of impaired assets N/A 52.06 13 N/A 50 N/A N/A 64.1
Overseas Banking Group:
Impaired assets N/A FRS9,539m GBP4,187m USD6,497m HKD12,409m(*1) AUD14.4m NLG5,490m(*4) AUD1,747m
As a percentage of total assets N/A 2.23 2.2 2.43 1.06(*1) 0.55 2 1.5
Specific provisions N/A FRS6,463m GBP1,616m USD0m HKD8,284m(*1) AUD0.739m NLG2,254m AUD749m
As a percentage of impaired assets N/A 67.76 38.6 N/A 66.8(*1) 5.1 41.1 42.9
G2 Information extracted from Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Banque Barclays Citibank (*2) HKSB PIBA Rabobank WestpacTrust
Mit. (Aust.) Indosuez
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
Banking group:
End of period covered by disclosure statement N/A 30-Sep-96 30-Sep-96 30-Sep-96 30-Sep-96 30-Sep-96 30-Sep-96 30-Sep-96
Number of months covered by disclosure statement N/A 9 9 9 9 9 9 12
Overseas Banking group:
End of period covered by disclosure statement 30-Jun-96 31-Dec-95 30-Jun-96 30-Sep-96 30-Jun-96 31-Dec-95 31-Dec-95 30-Sep-96
Number of months covered by disclosure statement 6 12 6 9 6 15 12 12
Profitability
Banking group:
Net profit after tax and extraordinary items (NZ$m) N/A 2.4 2.927 8.106 7.5 0.59 -0.03 127
As a % of average total assets (annualised) N/A 1.53 0.6 0.71 0.2 0.24 0.28 0.68
Overseas banking group:
Net profit after tax and extraordinary items AUD2.111m FRS533m GBP907m USD2,801m HKD19,723m(*1) AUD20.768m NLG1,427m AUD1,132m
As a % of average total assets (annualised) 0.14 0.1 1 1.39 1.8(*1) 0.73 0.51 0.97
Peak credit exposure concentrations
(number for Banking Group in relation to the equity
of the Overseas Banking Group)
Non-bank counterparties:
10-20% N/A 0 0 0 0 0 0 0
20-30% N/A 0 0 0 0 0 0 0
>30% N/A 0 0 0 0 0 0 0
Bank counterparties:
10-50% N/A 0 0 0 0 0 0 0
50-100% N/A 0 0 0 0 0 0 0
>100% N/A 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long term senior unsecured obligations in NZ)
Rating None A+ N/A Aa3/AA- A3 AAA AAA/Aaa AA-/Aa3
Issuer N/A S&P N/A Moody's/ S&P Moody's S&P S&P/Moody's S&P/ Moody's
Capital adequacy
(of the Overseas Banking Group)
Tier 1 ratio (%) N/A 6.42 7.3 8.36 9.8 5.23 9.2 7.4
Capital ratio (%) N/A 10.62 10.3 12.4 15.1 9.92 12 10.8
Size
Banking Group:
Total assets (NZ$m) N/A 198.921 681.063 1,504.33 4,813.40 177.41 411.211 26,371
Percentage change last 12 months N/A -7.24 N/A 7.48 35.5 -49 N/A 84.5
Overseas Banking Group:
Total assets AUD2,850.765m FRS428,476m GBP191,618m USD271,930m HKD1,220,965m AUD2,586m NLG293,516m AUD121,513m
Percentage change last 12 months -7.75 4.16 16 5.59 7.7 32.5 9.1 14.8
Asset quality
Banking Group:
Impaired assets (NZ$m) N/A 8.466 33.087 0.895 1.4 0 0 229
As a percentage of total assets N/A 2.89 4.9 0.06 - N/A N/A 0.9
Specific provisions (NZ$m) N/A 5.744 5.029 0 0.7 0 0 112
As a percentage of impaired assets N/A 67.85 15.2 N/A 50 N/A N/A 48.9
Overseas Banking Group:
Impaired assets N/A FRS9,539m GBP4,187m USD6,328m HKD12,409m(*1) AUD14.4m NLG5,490m(*3) AUD1,353m
As a percentage of total assets N/A 2.23 2.2 2.33 1.06(*1) 0.55 2 1.1
Specific provisions N/A FRS6,463m GBP1,616m 0 HKD8,284m(*1) AUD0.739m NLG2,254m AUD531m
As a percentage of impaired assets N/A 67.76 38.6 N/A 66.8(*1) 5.1 41.1 39.2
xtracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Banque Indosuez Barclays Citibank (*7) Deutsche Bank
Mit. (Aust.)
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-96 31-Dec-96 31-Dec-96 31-Dec-96 31-Dec-96
Number of months covered by the disclosure statements N/A (*8) 12 12 12 12 (*8)
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-96 31-Dec-95 31-Dec-96 31-Dec-96 31-Dec-96
Number of months covered by the disclosure statements 12 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -0.488 3.788 7.7 8.017 1.095
As a percentage of average total assets (annualised) -5.08 1.71 1.2 0.55 0.81
Overseas banking group:
Net profit after tax and extraordinary items AUD10m FRF533m GBP1686m USD3788m DM2218m
As a percentage of average total assets (annualised) 0.42 0.10 0.90 1.40 0.28
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 2 0 0 0 0
20-30% 0 0 0 0 0
>30% 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0
50-100% 0 0 0 0 0
>100% 0 0 0 0 0
HKSB PIBA Rabobank WestpacTrust
31-Dec 31-Dec 31-Dec 30-Sep
31-Dec-96 31-Dec-96 31-Dec-96 31-Dec-96
12 12 N/A (*8) 3
31-Dec-96 31-Dec-96 31-Dec-96 30-Sep-96
12 12 12 12
8.1 0.67 0.39 103
0.2 0.31 0.14 1.51
HKD22585m AUD19m NLG1632m AUD1132m
Not disclosed 0.66 0.52 0.97
0 0 0 0
0 0 0 0
0 0 0 0
0 1 0 0
0 0 0 0
0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ) A+ A+ AA/Aa2 Aa3/AA- Aa1/AAA
Rating S&P S&P S&P/Moodys Moody's/ S&P Moody's/S&P
Issuer
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures) Not disclosed 6.42 7.6 8.39 5.4
Tier 1 (*1) Not disclosed 10.62 10.4 12.23 9.9
Capital (*2)
Size
Banking group in NZ:
Total assets (NZ$m) 115.358 277.7 627.35 1405.7 269.50
Percentage change last 12 months N/A (*8) 31.3 Not disclosed -9.2 10926.90 (*8)
Overseas banking group:
Total assets AUD3260m FRF428476m GBP148985m USD281018m DM886090m
Percentage change last 12 months 6 4 5 9 23
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0.00 5.43 24.36 1.89 0.00
As a percentage of total assets 0.00 1.96 3.90 0.13 0.00
Specific provisions (NZ$m) 0.00 4.10 4.96 0.00 0.00
As a percentage of impaired assets 0.00 75.49 20.40 0.00 0.00
Overseas banking group:
Impaired assets Not disclosed FRF9539m GBP3322m USD5757m DM16600m
As a percentage of total assets Not disclosed 2.23 1.8 2.05 2
Specific provisions Not disclosed FRF6463m GBP1374m 0.0 DM11200m
As a percentage of impaired assets Not disclosed 67.76 41.4 0 67
A3 AAA Aaa/AAA AA-/Aa3
Moody's S&P Moody's/S&P S&P/ Moody's
9.8 7.44 9 7.4
15.8 11.37 11.3 10.8
4162.1 143.8 337.35 26694.0
16.7 -37.9 N/A (*8) 80.8
HKD1294672m AUD3139m NLG331317m AUD121513m
10 21 13 15
1.40 0.00 0.00 135.00
0.00 0.00 0.00 0.50
0.70 0.00 0.00 74.00
50.00 0.00 0.00 54.80
HKD12409m(*6) AUD7m NLG5300m AUD1353m
1.00(*6) 0.2 2 1
HKD8284m(*6) AUD1m NLG2375m AUD531m
66.80(*6) 10.15 45 39.2
G2 Information extracted from the Key Information Summaries of overseas incorpor
Bank of Tokyo- Mit. Crédit Agricole
BNP Barclays Citibank (*5)
(Aust.) Indoseuz
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-97 31-Mar-97 31-Mar-97 31-Mar-97 31-Mar-97
Number of months covered by the disclosure statements 3 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-96 30-Jun-96 31-Dec-96 31-Dec-96 31-Mar-97
Number of months covered by the disclosure statements 12 6 12 12 3
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -0.08 N/A 0.03 1.88 3.17
As a percentage of average total assets (annualised) -0.23 N/A 0.01 0.3 0.9
Overseas banking group:
Net profit after tax and extraordinary items AUD10m NZD525m FRF783m GBP1686m USD995m
As a percentage of average total assets (annualised) 0.42 0.22 0.18 0.9 1.41
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 2 0 0 0 0
20-30% 0 0 0 0 0
>30% 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0
50-100% 0 0 0 0 0
>100% 0 0 0 0 0
es of overseas incorporated banks
HongKong &
Deutsche Bank PIBA Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
31-Mar-97 31-Mar-97 31-Mar-97 31-Mar-97 31-Mar-97
3 3 3 3 6
31-Dec-96 31-Dec-96 31-Dec-96 31-Dec-96 31-Mar-97
12 12 12 12 6
0.28 4.3 -0.8 0.42 204
0.06 0.4 -0.59 0.11 1.5
DEM2218m HKD22585m AUD19m NLG1632m AUD638m
0.28 1.9 0.66 0.52 1.01
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 1 0 0
0 0 0 0 0
0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating A+ A+/Aa3 AA AA/Aa2 Aa3/AA-
Issuer S&P S&P/Moody's S&P S&P/Moody's Moody's/ S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) Not disclosed 5.5 6.24 7.6 8.39
Capital (*2) Not disclosed 9.1 10.16 10.4 12.11
Size
Banking group in NZ:
Total assets (NZ$m) 147 N/A 277 712 1468
Percentage change last 12 months N/A N/A 1.15 Not disclosed 1.89
Overseas banking group:
Total assets AUD3261m NZD488340m FRF461906m GBP148985m USD290354m
Percentage change last 12 months 5.5 7.6 1.08 5 10.16
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 N/A 9.37 24.06 2.15
As a percentage of total assets 0 N/A 3.39 3.4 0.15
Specific provisions (NZ$m) 0 N/A 4.1 5.01 0
As a percentage of impaired assets 0 N/A 43.73 20.8 0
Overseas banking group:
Impaired assets Not disclosed NZD18.1b FRF9470m GBP3322m USD5613m
As a percentage of total assets Not disclosed 7.9 2.05 1.8 1.93
Specific provisions Not disclosed NZD11.3b FRF6975m GBP1374m 0
As a percentage of impaired assets Not disclosed 63 73.65 41.4 0
Aa1/AAA A3 AAA Aaa/AAA AA-/Aa3
Moody's/S&P Moody's S&P Moody's/S&P S&P/ Moody's
5.4 9.8 7.44 9.0 7.7
9.9 15.8 11.37 11.3 10.3
262 3966 118 376 26310
N/A 6.4 -68.7 N/A 73
DEM886090m HKD1294672m AUD3139m NLG331317m AUD122043m
22.78 10.4 21.38 12.9 5
0 1.4 0 0 148
0 0 0 0 0.6
0 0.7 0 0 74
0 50 0 0 50
DEM16.6b HKD13348m AUD7m NLG5300m AUD1030m
1.87 1 0.24 1.6 0.8
DEM11.2b HKD8824m AUD1m NLG2375m AUD390m
67.47 66.1 10.15 45 37.9
G2 Information extracted from the Key Information Summaries of overseas incorpor
Bank of Tokyo- Mit. Crédit Agricole
BNP Barclays Citibank (*5)
(Aust.) Indoseuz
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-97 30-Jun-97 30-Jun-97 30-Jun-97 30-Jun-97
Number of months covered by the disclosure statements 6 6 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-96 31-Dec-96 31-Dec-96 30-Jun-97 30-Jun-97
Number of months covered by the disclosure statements 12 12 12 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -0.14 0.10 -0.07 3.70 1.25
As a percentage of average total assets (annualised) -0.19 0.06 -0.05 1.1 0.17
Overseas banking group:
Net profit after tax and extraordinary items AUD10m FRF3856m FRF783m GBP925m USD2,019m
As a percentage of average total assets (annualised) 0.42 0.22 0.18 0.9 1.41
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 4 0 0 0 0
20-30% 0 0 0 0 0
>30% 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0
50-100% 0 0 0 0 0
>100% 0 0 0 0 0
es of overseas incorporated banks
HongKong &
Deutsche Bank PIBA Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
30-Jun-97 30-Jun-97 30-Jun-97 30-Jun-97 30-Jun-97
6 6 6 6 9
30-Jun-97 30-Jun-97 31-Dec-96 31-Dec-96 31-Mar-97
6 6 12 12 6
3.07 9.6 -1.7 1.08 263
0.76 0.5 -1.32 0.24 1.30
DEM1493m HKD12266m AUD19m NLG1632m AUD638m
0.32 Not disclosed 0.66 0.52 1.01
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 1 0 0
0 0 0 0 0
0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating A+ A+/Aa3 AA AA/Aa2 Aa2/AA-
Issuer S&P S&P/Moody's S&P S&P/Moody's Moody's/ S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) Not disclosed 5.4 6.24 7.5 8.18
Capital (*2) Not disclosed 9.1 10.16 10.3 11.96
Size
Banking group in NZ:
Total assets (NZ$m) 184 349 271 351 1688
Percentage change last 12 months Not applicable Not applicable 26.10 -63.0 7.97
Overseas banking group:
Total assets AUD3261m FRF1861053m FRF461906m GBP228372m USD304293m
Percentage change last 12 months 5.5 16.7 7.80 19.2 14.04
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 8.96 23.77 3.24
As a percentage of total assets 0 0 3.31 6.8 0.19
Specific provisions (NZ$m) 0 0 4.10 4.99 0
As a percentage of impaired assets 0 0 45.78 21.0 0
Overseas banking group:
Impaired assets Not disclosed FRF63.5b FRF9470m GBP2972m USD4164m
As a percentage of total assets Not disclosed Not disclosed 2.05 1.3 1.37
Specific provisions Not disclosed FRF40.1b FRF6975m GBP1233m 0
As a percentage of impaired assets Not disclosed 63 73.65 41.5 0
Aa1/AAA A3 AAA Aaa/AAA AA-/Aa3
Moody's/S&P Moody's S&P Moody's/S&P S&P/ Moody's
5.3 9.4 7.44 9.0 7.7
9.8 14.3 11.37 11.3 10.3
406 3904 108 600 27300
Not applicable -10.7 -65.3 1619.20 2
DEM996143m HKD1431836m AUD3139m NLG331317m AUD122043m
16.22 17.3 21.38 12.9 5
0 0 0 0 163
0 0 0 0 0.6
0 0 0 0 83
0 0 0 0 50.9
DEM16.6b HKD12335m AUD7m NLG5300m AUD1030m
1.87 0.9 0.24 1.6 0.8
DEM11.2b HKD8181m AUD1m NLG2375m AUD390m
67.47 66.3 10.15 45 37.9
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Mit. Crédit Agricole
BNP Barclays Citibank (*5)
(Aust.) Indoseuz
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-97 30-Sep-97 30-Sep-97 30-Sep-97 30-Sep-97
Number of months covered by the disclosure statements 9 9 9 9 9
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-96 31-Dec-96 31-Dec-96 30-Jun-97 30-Sep-97
Number of months covered by the disclosure statements 12 12 12 6 9
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -0.31 -0.14 -0.01 6.41 1.93
As a percentage of average total assets (annualised) -0.23 -0.05 -0.01 1.4 0.17
Overseas banking group:
Net profit after tax and extraordinary items AUD10m FRF3856m FRF783m GBP925m USD2,530m
As a percentage of average total assets (annualised) 0.42 0.22 0.18 0.9 1.16
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 4 0 0 0 0
20-30% 0 0 0 0 0
>30% 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0
50-100% 0 0 0 0 0
>100% 0 0 0 0 0
HongKong &
Deutsche Bank Kookmin PIBA Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
30-Sep-97 30-Sep-97 30-Sep-97 30-Sep-97 30-Sep-97 30-Sep-97
9 9 9 9 9 12
30-Sep-97 30-Jun-97 31-Dec-96 31-Dec-96 31-Dec-96 30-Sep-97
9 6 12 12 12 12
3.65 14.3 -0.80 -2.38 2.05 333
2.01 0.4 Not applicable -2.10 0.40 1.24
DEM2383m HKD12266m KRW190m AUD19m NLG1632m AUD1291m
0.33 Not disclosed 0.42 0.66 0.52 1.08
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 1 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating A+ A+/Aa3 AA AA/Aa2 Aa2/AA-
Issuer S&P S&P/Moody's S&P S&P/Moody's Moody's/ S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) Not disclosed 5.4 6.24 7.5 8.25
Capital (*2) Not disclosed 9.1 10.16 10.3 12.16
Size
Banking group in NZ:
Total assets (NZ$m) 211 582 260 564 1627
Percentage change last 12 months Not applicable Not applicable 37.54 -17.2 6.27
Overseas banking group:
Total assets AUD3261m FRF1861053m FRF461906m GBP228372m USD300381m
Percentage change last 12 months 5.5 16.7 7.80 19.2 10.46
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 4.09 6.30 1.63
As a percentage of total assets 0 0 1.57 1.1 0.10
Specific provisions (NZ$m) 0 0 3.87 5.09 0
As a percentage of impaired assets 0 0 94.62 80.8 0
Overseas banking group:
Impaired assets Not disclosed FRF63.5b FRF9470m GBP2972m USD3817m
As a percentage of total assets Not disclosed 3.7 2.05 1.3 1.27
Specific provisions Not disclosed FRF40.1b FRF6975m GBP1233m 0
As a percentage of impaired assets Not disclosed 63.1 73.65 41.5 0
Aa1/AAA A3 A3/A-(*7) AAA Aaa/AAA AA-/Aa3
Moody's/S&P Moody's Moody's/S&P S&P Moody's/S&P S&P/ Moody's
5.3 9.4 6.54(*8) 7.44 9.0 8.0
9.9 14.3 10.42(*8) 11.37 11.3 10.5
151 4142 21 63 645 27336
Not applcable -14.3 Not applicable -65.0 0.57 4
DEM986000m HKD1431836m KRW49172642m AUD3139m NLG331317m AUD118963m
12.17 17.3 21.85 21.38 12.9 2
0 26.3 0 0 0 162
0 0.6 0 0 0 0.6
0 0 0 0 0 79
0 0 0 0 0 48.8
DEM26.7b HKD12335m KRW542800m AUD7m NLG5300m AUD869m
3.02 0.9 1.70 0.24 1.6 0.7
DEM11.2b HKD8181m KRW189300m AUD1m NLG2375m AUD339m
41.8 66.3 34.90 10.15 45 39.0
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Credit Agricole Hongkong and
BNP Citibank (*5) Deutsche Bank Kookmin
Mit.(Aust.) Indosuez Shanghai
Time period covered
Annual balance date 31 Dec 31 Dec 31 Dec 31 Dec 31 Dec 31 Dec 31 Dec
Banking group in NZ:
End of period covered by the disclosure statement 31 Dec 97 31 Dec 97 31 Dec 97 31 Dec 97 31 Dec 97 31 Dec 97 31 Dec 97
Number of months covered by the disclosure statements 12 12 12 12 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31 Dec 96 30 Jun 97 31 Dec 97 31 Dec 96 31 Dec 97 31 Dec 97 31 Dec 97
Number of months covered by the disclosure statements 12 6 12 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -0.23 -0.04 -4.2 4.15 2.14 12.5 -1.22
Net profit for previous 12 months as a percentage -0.14 -0.01 -0.26 1.28 0.92 0.3 Not applicable
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items AUD8m FRF3044m USD3591m FRF783m DEM1019m HKD23426m KRW113b
Net profit for previous 12 months as a percentage 0.23 0.32 1.22 0.18 0.11 Not disclosed 0.21
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 3 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 1 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
rated banks
PIBA Rabobank Westpac
31 Dec 31 Dec 30 Sep
31 Dec 97 31 Dec 97 31 Dec 1997
12 12 3
31 Dec 97 31 Dec 97 30 Sep 1997
12 12 12
-3.31 2.93 85
-2.7 0.54 1.22
AUD22m NLG1907m AUD1291m
0.58 0.50 1.08
0 0 0
0 0 0
0 0 0
1 0 0
0 0 0
0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating A+ A+/Aa3 Aa2/AA- AA Aa1/AAA A3 Caa1/BB+
Issuer S&P S&P/Moodys Moodys/S&P S&P Moodys/S&P Moodys Moodys/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) Not disclosed 5.6 8.34 6.24 Not disclosed 9.4 4.98
Capital (*2) Not disclosed 9.6 12.31 10.16 10.6 14.4 9.78
Size
Banking group in NZ:
Total assets (NZ$m) 215 697 1857 371 196 4435 43
Percentage change last 12 months 86.4 Not applicable 32.03 33.62 -27.28 -5.1 Not applicable
Overseas banking group:
Total assets AUD3630m FRF1896246m USD310897m FRF461906m DEM1042964m HKD1475449m KRW58145b
Percentage change last 12 months 0.87 1.9 10.63 7.8 17.7 14 18.25
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 11.1 0 0 28.3 0
As a percentage of total assets 0 0 0.6 0 0 0.6 0
Specific provisions (NZ$m) 0 0 0 0 0 7.3 0
As a percentage of impaired assets 0 0 0 0 0 25.8 0
Overseas banking group:
Impaired assets Not disclosed FRF62.6b USD3792m FRF9470m Not available HKD13213m KRW892b
As a percentage of total assets Not disclosed 3.3 1.22 2.05 Not available 0.9 1.5
Specific provisions Not disclosed FRF39.6b 0 FRF6975m Not available HKD9001m KRW273.8b
As a percentage of impaired assets Not disclosed 63.3 0 73.65 Not available 68.1 30.7
AAA Aaa/AAA AA-/Aa3
S&P Moodys/S&P S&P/Moodys
6.02 10.4 8
8.67 11.1 10.5
96 679 29124
-33.9 101.19 9
AUD4278m NLG422990m AUD118963m
36.29 26.22 2
0 0 144
0 0 0.5
0 0 61
0 0 42.4
AUD7m NLG5300m(*6) AUD869m
0.17 1.6(*6) 0.7
AUD1m NLG2375m(*6) AUD339m
15.15 45(*6) 39
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Credit Agricole Hongkong and
ABN AMRO BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Indosuez Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-98 31-Mar-98 31-Mar-98 31-Mar-98 31-Mar-98 31-Mar-98 31-Mar-98
Number of months covered by the disclosure statements 1 3 3 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-97 31-Dec-97 31-Dec-97 31-Mar-98 31-Dec-97 31-Mar-98 31-Dec-97
Number of months covered by the disclosure statements 12 12 12 3 12 3 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.40 0.1 0.35 2.07 0.12 0.54 1.8
Net profit for previous 12 months as a percentage 3.2 0 0 0.44 0 0.9 0.2
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG3853 AUD8m FRF5962m USD1065m FRF1215m DEM891m HKD23426m
Net profit for previous 12 months as a percentage 0.50 0.23 Not disclosed 1.38 0.19 0.32 1.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 2 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 1 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
corporated banks
Kookmin PIBA Rabobank Westpac
31-Dec 31-Dec 31-Dec 30-Sep
31-Mar-98 31-Mar-98 31-Mar-98 31-Mar-98
3 3 3 6
31-Dec-97 31-Dec-97 31-Dec-97 31-Mar-98
12 12 12 6
-0.28 -0.74 2.68 150
-2.46 -1.04 0.22 1.09
KRW113b AUD22m NLG1907m AUD666m
0.21 0.58 0.50 0.97
0 0 0 0
0 0 0 0
0 0 0 0
0 2 0 0
0 0 0 0
0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating AA/Aa1 A A+/Aa3 Aa2/AA- AA Aa1/AAA A3
Issuer S&P/Moodys S&P S&P/Moodys Moody's/S&P S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.96 Not disclosed 5.9 8.07 5.31 5.2 9.4
Capital (*2) 10.65 Not disclosed 9.9 11.94 8.84 10.5 14.4
Size
Banking group in NZ:
Total assets (NZ$m) 226 251 969 1997 373 195 4618
Percentage change last 12 months Not applicable 71 Not applicable 36 0.35 -25.4 16.2
Overseas banking group:
Total assets NLG836b AUD3630m FRF2034900m USD330414m FRF831967m DEM1188323m HKD1475449m
Percentage change last 12 months 40 0.87 9.3 13.8 80.1 13.93 14
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 13.7 0 0 46.7
As a percentage of total assets 0 0 0 0.69 0 0 1
Specific provisions (NZ$m) 0 0 0 0 0 0 12.3
As a percentage of impaired assets 0 0 0 0 0 0 26.3
Overseas banking group:
Impaired assets NLG11035m Not disclosed FRF62.6b USD3950m FRF9470m DEM5600m HKD13213m
As a percentage of total assets 1.32 Not disclosed 3.3 1.2 2.05 0.54 0.9
Specific provisions NLG6377m Not disclosed FRF39.6b 0 FRF6975m DEM11360 HKD9001m
As a percentage of impaired assets 58 Not disclosed 63.3 0 73.65 202.9 68.1
Caa1/BB+ AAA Aaa/AAA AA-/Aa3
Moody's/S&P S&P Moody's/S&P S&P/Moody's
4.98 6.02 10.4 6.8
9.78 8.67 11.1 9.0
47 71 1238 28839
Not applicable -39.7 229.26 10
KRW58145b AUD4278m NLG422990m AUD136059m
18.25 36.29 26.22 11
0 0 3.39 157
0 0 0.27 0.5
0 0 1.5 60
0 0 44 38.2
KRW892b AUD7m NLG5575m AUD907m
1.5 0.17 2.2 0.7
KRW274b AUD1m NLG2464m AUD336m
30.7 15.15 44 37
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO BNP Citibank (*5) Deutsche Bank Kookmin
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Dec 30-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-98 30-Jun-98 30-Jun-98 30-Jun-98 30-Jun-98 30-Jun-98 30-Jun-98
Number of months covered by the disclosure statements 6 6 6 6 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-98 31-Dec-97 31-Dec-97 30-Jun-98 30-Jun-98 30-Jun-98 31-Dec-97
Number of months covered by the disclosure statements 6 12 12 6 6 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.87 0.10 0.97 5.37 0.98 5.3 -1.12
Net profit for previous 12 months as a percentage 1.3 0.10 0.11 0.55 0.21 0.2 -4.5
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG2593m AUD8m FRF5962m USD2162m DM2431m HKD7538m KRW112.8b
Net profit for previous 12 months as a percentage 0.6 0.23 0.31 1.36 0.40 n/a 0.21
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 3 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 1 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
rated banks
PIBA Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Jun-98 30-Jun-98 30-Jun-98
6 6 9
31-Dec-97 31-Dec-97 31-Mar-98
12 12 6
-1 6.13 237
-3.18 1.10 1.10
AUD22m NLG1907m AUD666m
0.58 0.50 0.97
0 0 0
0 0 0
0 0 0
2 0 0
0 0 0
0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa1/AA A+ A+/Aa3 Aa2/AA- Aa1/AA+ A3 BB+/Ba1
Issuer Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's S&P/Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.24 6.45 5.9 8.29 5.1 9.9 4.98
Capital (*2) 10.97 10.15 9.9 12.05 10.3 14.2 9.78
Size
Banking group in NZ:
Total assets (NZ$m) 335 275 1099 2035 1406 4806 57
Percentage change last 12 months 340 49.5 215 20.51 196 23.1 32.69
Overseas banking group:
Total assets NLG1001.2b AUD3630m FRF2035b USD330751m DM1215700m HKD1458451m KRW58145b
Percentage change last 12 months 20 0.87 9.3 8.69 22.04 1.9 18.25
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 11.55 0 44.5 0
As a percentage of total assets 0 0 0 0.57 0 1.0 0
Specific provisions (NZ$m) 0 0 0 0 0 13.5 0
As a percentage of impaired assets 0 0 0 0 0 30.3 0
Overseas banking group:
Impaired assets NLG11035m Not disclosed FRF61.8b USD3836m DM5600m HKD23371m KRW892.1b
As a percentage of total assets 1.32 Not disclosed 3.17 1.16 0.54 1.6 1.53
Specific provisions NLG6377m Not disclosed FRF39.5b 0 DM11400m HKD14542m KRW273.8b
As a percentage of impaired assets 58 Not disclosed 63.9 0 203.6 62.2 30.7
AAA AAA/Aaa AA-/Aa3
S&P S&P/Moody's S&P/Moody's
6.02 10.4 6.8
8.67 11.1 9
23 1274 29880
-79.20 116.52 9.2
AUD4278m NLG422990m AUD136059m
36.29 26.22 11.5
0 3.37 153
0 0.26 0.5
0 1.78 58
0 52.82 37.9
AUD7m NLG5575m AUD907m
0.17 2.2 0.7
AUD1m NLG2464m AUD336m
15.15 44 37
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO BNP Citibank (*5) Deutsche Bank Kookmin
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-98 30-Sep-98 30-Sep-98 30-Sep-98 30-Sep-98 30-Sep-98 30-Sep-98
Number of months covered by the disclosure statements 9 9 9 9 9 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-98 31-Dec-97 30-Jun-98 30-Sep-98 30-Sep-98 30-Jun-98 31-Dec-97
Number of months covered by the disclosure statements 6 12 6 9 9 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.65 0.25 2.1 7.8 2.55 14.4 -0.64
Net profit for previous 12 months as a percentage 0.5 0.11 0.26 0.52 0.8 0.4 -1.45
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG2593m AUD8m FRF3797m USD2692m DEM2578m HKD7538m KRW113b
Net profit for previous 12 months as a percentage 0.6 0.23 0.37 1.11 0.24 N/A 0.21
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 3 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 1 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
rated banks
PIBA Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Sep-98 30-Sep-98 30-Sep-98
9 9 12
31-Dec-97 31-Dec-97 30-Sep-98
12 12 12
-1.28 9.69 341
-5.6 0.72 1.21
AUD22m NLG1907m AUD1272m
0.58 0.50 0.91
0 0 0
0 0 0
0 0 0
1 0 0
0 0 0
0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa1/AA A- A+/Aa3 Aa2/AA- Aa1/AA+ A3 BB+/Ba1
Issuer Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's S&P/Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.24 6.78 6.4 8.03 5.1 9.9 4.98
Capital (*2) 10.97 10.66 10.3 11.71 10.1 14.2 9.78
Size
Banking group in NZ:
Total assets (NZ$m) 376 248 1538 2069 487 4483 76
Percentage change last 12 months 393 17.75 164 27.19 222 8.26 77.74
Overseas banking group:
Total assets NLG1001b AUD3630m FRF2090b USD343340m DEM1155800m HKD1458451m KRW58145b
Percentage change last 12 months 20 0.87 10.2 14.30 10.81 1.9 18.25
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 0.7 0 13.4 0
As a percentage of total assets 0 0 0 0.03 0 0.3 0
Specific provisions (NZ$m) 0 0 0 0 0 10.7 0
As a percentage of impaired assets 0 0 0 0 0 79.8 0
Overseas banking group:
Impaired assets NLG11035m AUD4m FRF61.7b USD3938m DEM5600m HKD23371m KRW892b
As a percentage of total assets 1.32 0.10 2.95 1.15 0.54 1.6 1.53
Specific provisions NLG6377m AUD1m FRF38.8b 0 DEM11400m HKD14542m KRW274b
As a percentage of impaired assets 58 29.57 62.9 0 203.6 62.2 30.7
AAA AAA/Aaa AA-/Aa3
S&P S&P/Moody's S&P/Moody's
6.02 10.4 6.8
8.67 11.1 9.4
23 1376 28833
-44.4 7.35 4.8
AUD4278m NLG422990m AUD137319m
36.29 26.22 15.4
0 3.34 152
0 0.25 0.5
0 2.81 51
0 84 33.6
AUD7m NLG5575m AUD852m
0.17 2.2 0.6
AUD1m NLG2464m AUD362m
15.15 44 42.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-98 31-Dec-98 31-Dec-98 31-Dec-98 31-Dec-98 31-Dec-98 31-Dec-98
Number of months covered by the disclosure statements 12 12 12 12 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-98 31-Dec-98 31-Dec-98 31-Dec-97 31-Dec-98 31-Dec-98 31-Dec-98
Number of months covered by the disclosure statements 6 12 12 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 2.65 -1.02 0.51 1.35 4.8 1.33 17.8
Net profit for previous 12 months as a percentage 1.4 -0.21 0.21 0.2 0.25 0.22 0.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG2593m AUD-12m AUD10m FRF5962m USD2810m DEM3376m HKD13350m
Net profit for previous 12 months as a percentage 0.6 -0.59 0.30 0.31 0.85 0.30 0.9
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 1 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
ncorporated banks
Kookmin PIBA Rabobank Westpac
31-Dec 31-Dec 31 Dec 30-Sep
31-Dec-98 31-Dec-98 31-Dec-98 31-Dec-98
12 12 12 3
31-Dec-98 31-Dec-98 31-Dec-97 30-Sep-98
12 12 12 12
0.24 -1.21 11.44 80
0.35 2.33 0.88 1.15
KRW-322b AUD96.17m NLG1907m AUD1272m
-0.46 2.29 0.50 0.91
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA AA/A2 A- A+/Aa3 Aa2/AA- Aa1/AA+ A3
Issuer Moody's/S&P S&P/Moody's S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.24 15.37 7.68 5.9 8.41 Not disclosed 10.3
Capital (*2) 10.97 15.60 11.72 9.9 12.55 11.5 14.6
Size
Banking group in NZ:
Total assets (NZ$m) 310 487 270 1058 1787 524 4382
Percentage change last 12 months N/A N/A 25.32 51.8 -3.76 -24.50 -1.2
Overseas banking group:
Total assets NLG1001b AUD2021m AUD3330 FRF2035b USD343620m DEM1225530m HKD1477575m
Percentage change last 12 months 20 N/A -8.27 N/A 10.53 17.5 0.1
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 0 0 0 11.4
As a percentage of total assets 0 0 0 0 0 0 0.3
Specific provisions (NZ$m) 0 0 0 0 0 0 6.7
As a percentage of impaired assets 0 0 0 0 0 0 58.8
Overseas banking group:
Impaired assets NLG11.0b 0 AUD4m FRF61.8b USD4074m DEM6100m HKD36925m
As a percentage of total assets 1.32 0 0.11 3.17 1.19 0.50 2.5
Specific provisions NLG6.4b 0 AUD1m FRF39.5b 0 DEM11051m HKD18242m
As a percentage of impaired assets 58 0 31.19 63.9 0 181.2 49.4
BB/Ba1 AAA AAA/Aaa AA-/Aa3
S&P/Moody's S&P S&P/Moody's S&P/Moody's
5.65 10.65 10.4 6.8
10.09 15.21 11.1 9.4
96.69 2.21 1360 29384
125.80 -97.70 123.32 0.9
KRW81975b AUD3426m NLG422990m AUD137319m
40.98 -19.54 26.22 15.4
0 0 15.95 138
0 0 1.17 0.5
0 0 3.66 50
0 0 22.96 36.2
KRW2595b AUD9m NLG5575m AUD852m
2.29 0.27 2.2 0.6
KRW1297b AUD2m NLG2464m AUD362m
49.9 15.83 44 42.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-99 31-Mar-99 31-Mar-99 31-Mar-99 31-Mar-99 31-Mar-99 31-Mar-99
Number of months covered by the disclosure statements 3 3 3 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-98 31-Dec-98 31-Dec-98 31-Dec-98 31-Mar-99 31-Mar-99 31-Dec-98
Number of months covered by the disclosure statements 12 12 12 12 3 3 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 1.60 -0.6 0.26 0.48 0.98 3.2 6.3
Net profit for previous 12 months as a percentage 1.0 N/A 0.11 0.04 0.19 2.8 0.5
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG4384m AUD-12m AUD10m FRF7309m USD1125m EUR621m HKD13350m
Net profit for previous 12 months as a percentage 0.5 N/A 0.30 0.35 0.85 0.38 0.9
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 1 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
ncorporated banks
Kookmin PIBA Rabobank Westpac
31-Dec 31-Dec 31-Dec 30-Sep
31-Mar-99 31-Mar-99 31-Mar-99 31-Mar-99
3 3 3 6
31-Dec-98 31-Dec-98 31-Dec-98 31-Mar
12 12 12 6
0.41 0 3.64 171
0.57 0 0.67 1.23
KRW-322b AUD96m NLG2062m AUD701m
-0.46 2.29 0.40 0.95
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA AA/A2 A- A+/Aa3 Aa2/AA- AA/Aa3 A3
Issuer Moody's/S&P S&P/Moody's S&P S&P/Moody's Moody's/S&P S&P/Moody's Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.94 15.37 7.62 6.4 8.35 5.8 10.3
Capital (*2) 10.48 15.60 11.52 10.4 12.15 10.6 14.6
Size
Banking group in NZ:
Total assets (NZ$m) 558 783 246 1422 1966 620 3987
Percentage change last 12 months 147 N/A -1.70 46.8 -1.54 111.2 -13.7
Overseas banking group:
Total assets NLG952b AUD2021m AUD3330m FRF2131b USD347248m EUR677200m HKD1477575m
Percentage change last 12 months 14 N/A -8.27 4.7 5.09 8.08 0.1
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 0 0 0 12.5
As a percentage of total assets 0 0 0 0 0 0 0.3
Specific provisions (NZ$m) 0 0 0 0 0 0 6.7
As a percentage of impaired assets 0 0 0 0 0 0 53.6
Overseas banking group:
Impaired assets NLG14.5b 0 AUD3.5m FRF64.2b USD4067m EUR3119m HKD36925m
As a percentage of total assets 1.52 0 0.11 3.01 1.17 0.50 2.5
Specific provisions NLG9.1b 0 AUD1.3m 40.2 0 EUR5650m HKD18242m
As a percentage of impaired assets 63 0 31.74 62.6 0 181.2 49.4
BB/Ba1 AAA AAA/Aaa AA-/Aa3
S&P/Moody's S&P S&P/Moody's S&P/Moody's
5.65 10.65 10.3 6.8
10.09 15.21 11.1 9.1
96 0 1970 29558
102.2 -100 59.14 2
KRW81975b AUD3426m NLG550307m AUD138536m
40.98 -19.54 30.10 2
0 0 17.49 133
0 0 0.89 0.4
0 0 3.98 51
0 0 3.24 38.3
KRW2595b AUD9m NLG6380m AUD752m
2.29 0.27 2.1 0.5
KRW1297b AUD2m NLG3053m AUD350m
49.9 15.83 48 46.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-99 30-Jun-99 30-Jun-99 30-Jun-99 30-Jun-99 30-Jun-99 30-Jun-99
Number of months covered by the disclosure statements 6 6 6 6 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-99 31-Dec-98 31-Dec-98 31-Dec-98 30-Jun-99 30-Jun-99 30-Jun-99
Number of months covered by the disclosure statements 6 12 12 12 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 9.37 -4.84 0.41 1.00 4.29 4 13.7
Net profit for previous 12 months as a percentage 2.7 N/A 0.33 0.11 0.19 0.23 0.6
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG3500m AUD-12m AUD10m FRF7309m USD2292m EURO1802m HKD10139m
Net profit for previous 12 months as a percentage 0.5 N/A 0.30 0.35 0.85 0.49 N/A
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 1 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30 Sep
30-Jun-99 30-Jun-99 30-Jun-99
6 6 9
31-Dec-98 31-Dec-98 31-Mar-99
12 12 6
0.31 9.31 249
1.85 0.93 1.21
KRW-322b NLG2062m AUD701m
-0.46 0.42 0.93
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/AA A- A+/Aa3 Aa2/AA- AA/Aa3 A3
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P S&P/Moody's Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.26 15.37 8.81 6.4 8.63 5.4 11.4
Capital (*2) 11.05 15.60 12.91 10.4 12.52 11.0 15.4
Size
Banking group in NZ:
Total assets (NZ$m) 502 1073 213 1480 1772 5578 3896
Percentage change last 12 months 50 N/A -22.96 34.7 -12.91 297 -18.9
Overseas banking group:
Total assets NLG1023.6b AUD2021m AUD3330m FRF2131b USD352358m EUR847568m HKD1553228m
Percentage change last 12 months 2 N/A -8.27 4.7 6.53 36.36 6.3
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.91 0 0 0 0 12.8
As a percentage of total assets 0 0.09 0 0 0 0 0.3
Specific provisions (NZ$m) 0 0.19 0 0 0 0 2.3
As a percentage of impaired assets 0 20.89 0 0 0 0 18.0
Overseas banking group:
Impaired assets NLG14.5b 0 AUD4m FRF64.2b USD4116m EUR3119m HKD41288m
As a percentage of total assets 1.52 0 0.10 3.01 1.17 0.50 2.7
Specific provisions NLG9.1b 0 AUD1m FRF40.2b 0 EUR5650m HKD20786m
As a percentage of impaired assets 63 0 32.28 62.6 0 181.2 50.3
BB/Ba1 AAA/Aaa AA-/Aa3
S&P/Moody's S&P/Moody's S&P/Moody's
5.65 10.3 6.8
10.09 11.1 9.1
124 2101 29075
118.8 64.91 -3
KRW81975b NLG550307m AUD138536m
40.98 30.10 2
0 17.8 124
0 0.85 0.4
0 4.16 42
0 23.37 33.9
KRW2595b NLG6380m AUD752m
2.29 1.16 0.5
KRW1297b NLG3053m AUD350m
49.9 48 46.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-99 30-Sep-99 30-Sep-99 30-Sep-99 30-Sep-99 30-Sep-99 30-Sep-99
Number of months covered by the disclosure statements 9 9 9 9 9 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-99 31-Dec-98 31-Dec-98 31-Dec-98 30-Sep-99 30-Sep-99 30-Jun-99
Number of months covered by the disclosure statements 6 12 12 12 9 9 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 9.35 -7.38 0.49 1.7 7.38 113 19.3
Net profit for previous 12 months as a percentage 1.8 N/A 0.24 0.06 0.23 3.50 0.5
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items NLG3500m AUD-12m AUD10m FRF7309m USD3868m EURO1879m HKD10139m
Net profit for previous 12 months as a percentage 0.5 N/A 0.30 0.35 1.13 0.32 N/A
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 1 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/AA A-/A2 A+/Aa3 Aa2/AA- Aa3/AA A3
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.26 15.37 9.26 6.4 8.09 5.6 11.4
Capital (*2) 11.05 15.60 13.5 10.4 12.16 11.4 15.4
Size
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Sep-99 30-Sep-99 30-Sep-99
9 9 12
31-Dec-98 31-Dec-98 30-Sep-99
12 12 12
0.70 14.79 332
1.47 0.97 1.13
KRW-322b NLG2062m AUD1456m
-0.46 0.40 1.04
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
BB/Ba1 AAA/Aaa AA-/Aa3
S&P/Moody's S&P/Moody's S&P/Moody's
5.65 10.3 7.0
10.09 11.1 9.2
Banking group in NZ:
Total assets (NZ$m) 897 1157 166 1799 1746 5906 4249
Percentage change last 12 months 139 N/A -32.94 16.9 -15.63 1113 -5.2
Overseas banking group:
Total assets NLG1023.6b AUD2021m AUD3330m FRF2131b USD368495m EURO834732m HKD1553228m
Percentage change last 12 months 2 N/A -8.27 4.7 2.91 41.26 6.3
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.49 0 0 0 0 12.4
As a percentage of total assets 0 0.04 0 0 0 0 0.3
Specific provisions (NZ$m) 0 0.02 0 0 0 0 2.5
As a percentage of impaired assets 0 4.12 0 0 0 0 20.2
Overseas banking group:
Impaired assets NLG14.5b 0 AUD4m FRF64.2b USD4261m EURO3119m HKD41288m
As a percentage of total assets 1.52 0 0.11 3.01 1.16 0.50 2.7
Specific provisions NLG9.1b 0 AUD1m FRF40.2b 0 EURO5650m HKD20786m
As a percentage of impaired assets 63 0 32.28 62.6 0 181.2 50.3
140 2023 29555
83.92 47.10 3
KRW81975b NLG550307m AUD140220m
40.98 30.10 2
0 12.30 128
0 0.61 0.4
0 3.92 41
0 31.87 32.0
KRW2595b NLG6380m AUD644m
2.29 2.1 0.5
KRW1297b NLG3053m AUD330m
49.9 48 51.2
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-99 31-Dec-99 31-Dec-99 31-Dec-99 31-Dec-99 31-Dec-99 31-Dec-99
Number of months covered by the disclosure statements 12 12 12 12 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-99 31-Dec-99 31-Dec-99 31-Dec-98 31-Dec-99 31-Dec-99 31-Dec-99
Number of months covered by the disclosure statements 12 12 12 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 8.16 -10 0.61 2.6 11.27 114 23.8
Net profit for previous 12 months as a percentage 1.7 -0.81 0.27 0.17 0.62 3.09 0.5
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2570m -AUD42m -AUD1m FRF7309m USD5195m EURO2600m HKD21070m
Net profit for previous 12 months as a percentage 0.6 -1.35 -0.03 0.35 1.41 0.35 1.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/A A- A+/Aa3 Aa2/AA- Aa3/AA A3
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Dec-99 31-Dec-99 31-Dec-99
12 12 3
31-Dec-99 31-12-99 30-Sep-99
12 12 12
1.0 18.68 84
0.64 0.98 1.12
-KRW28b EUR1020m AUD1456m
-0.04 0.38 1.04
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
Ba1/BB AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
Tier 1 (*1) 7.2 8.16 7.73 6.4 8.11 5.6 9.6
Capital (*2) 10.86 12.64 11.56 10.4 12.10 11.4 14.0
Size
Banking group in NZ:
Total assets (NZ$m) 670 2466 181 1204 1750 6857 4512.9
Percentage change last 12 months 116 397 -32.91 13.8 -2.07 1211 3.0
Overseas banking group:
Total assets EUR457.9b AUD4943m AUD3303m FRF2131b USD388570m EURO840000m HKD1637892m
Percentage change last 12 months 6.0 145 -0.82 4.7 9.17 34.10 10.6
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 2.11 0 0 0 0 12.2
As a percentage of total assets 0 0.09 0 0 0 0 0.3
Specific provisions (NZ$m) 0 0.30 0 0 0 0 2.6
As a percentage of impaired assets 0 14.48 0 0 0 0 21.3
Overseas banking group:
Impaired assets EUR6.6b AUD1.7m AUD42m FRF64.2b USD4131m EURO3119m HKD43330m
As a percentage of total assets 1.52 0.03 1.29 3.01 1.06 0.50 2.6
Specific provisions EUR4.1b AUD0.2m AUD27m FRF40.2b 0 EURO5650m HKD23177m
As a percentage of impaired assets 63.0 14.54 64.17 62.6 0 181.2 53.5
7.26 10.0 7.0
11.38 10.5 9.2
218 2060 31591
125.60 51.50 8
KRW72980b EUR281218m AUD140220m
-10.97 12.61 2
0 11.45 119
0 0.56 0.4
0 3.44 35
0 30.04 29.4
KRW5100b EUR3727m AUD644m
7.71 1.33 0.5
KRW2268b EUR1480m AUD330m
44.47 40.0 51.2
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo-
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.)
Time period covered
Annual balance date 31-Dec-99 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-00 31-Mar-00 31-Mar-00 31-Mar-00 31-Mar-00 31-Mar-00
Number of months covered by the disclosure statements 3 3 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-99 31-Dec-99 31-Dec-99 31-Dec-98 31-Mar-00 31-Mar-00
Number of months covered by the disclosure statements 12 12 12 12 3 3
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -0.68 -3.8 0.18 0.57 4.85 5
Net profit for previous 12 months as a percentage -0.1 -0.15 0.09 0.17 0.84 2.31
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2570m -AUD42m -AUD1m FRF7309b US2145m EURO960m
Net profit for previous 12 months as a percentage 0.6 -1.35 -0.03 0.35 1.67 0.36
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0
20-30% 0 0 0 0 0 0
>30% 0 0 0 0 0 0
Bank counterparties:
10-50% 0 3 0 0 0 0
50-100% 0 0 0 0 0 0
>100% 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/A A- A+/Aa3 Aa2/AA- Aa3/AA
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.2 8.16 7.86 6.4 8.07 6.0
Capital (*2) 10.86 12.64 11.83 10.4 12.0 11.8
s incorporated banks
Hongkong and
Kookmin Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec 30-Sep
31-Mar-00 31-Mar-00 31-Mar-00 31-Mar-00
3 3 3 6
31-Dec-99 31-Dec-99 31-Dec-99 31-Mar-00
12 12 12 6
6.0 0.57 2.84 186
0.5 0.66 0.87 1.13
HKD21070m -KRW28b EUR1020m AUD818m
1.3 -0.04 0.38 1.06
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
A3 Ba1/BB AAA/Aaa AA-/Aa3
Moody's Moody's/S&P S&P/Moody's S&P/Moody's
9.6 7.26 10.0 7.2
14.0 11.38 10.5 9.3
Size
Banking group in NZ:
Total assets (NZ$m) 606 2527 153 1751 1825 9442
Percentage change last 12 months 8.7 397 -38.03 23.1 -7.18 1423
Overseas banking group:
Total assets EUR457.9b AUD4943m AUD3303m FRF2131b US400058m EURO953062m
Percentage change last 12 months 6.0 145 -0.82 4.7 11.05 40.73
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 1.04 0 0 0 0
As a percentage of total assets 0 0.05 0 0 0 0
Specific provisions (NZ$m) 0 0.19 0 0 0 0
As a percentage of impaired assets 0 18.34 0 0 0 0
Overseas banking group:
Impaired assets EUR7.6b AUD1.7m AUD46m FRF64.2b US4114m EURO4100m
As a percentage of total assets 1.7 0.03 1.38 3.01 1.03 0.49
Specific provisions EUR4.5b AUD0.2m AUD28m FRF40.2b 0 EURO6264m
As a percentage of impaired assets 59.2 14.54 62.46 62.6 0 152.8
4683 262 2021 32314
17.5 172.55 2.6 9.3
HKD1637892m KRW72980b EUR281218m AUD157401m
10.6 -10.97 12.61 13.6
12.3 0.23 9.83 130
0.3 0.09 0.49 0.4
2.6 0 3.42 35
21.1 0 34.79 26.9
HKD43330m KRW5100b EUR3727m AUD582m
2.6 6.99 1.33 0.4
HKD23177m KRW2240b EUR1480m AUD314m
53.5 43.92 40.0 54.0
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank BNP Citibank (*5) Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-00 30-Jun-00 30-Jun-00 30-Jun-00 30-Jun-00 30-Jun-00 30-Jun-00
Number of months covered by the disclosure statements 6 6 6 6 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-00 31-Dec-99 31-Dec-99 31-Dec-99 30-Jun-00 30-Jun-00 30-Jun-00
Number of months covered by the disclosure statements 6 12 12 12 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.44 -11 0.33 1.2 10.3 6 11.5
Net profit for previous 12 months as a percentage -0.1 -0.86 0.28 0.23 0.96 1.84 0.5
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1625m -AUD42m -AUD1m EUR972m USD3812m EUR3777m HKD15040m
Net profit for previous 12 months as a percentage 0.6 -1.20 -0.03 0.33 1.73 0.52 n/a
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 2 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/A A- A+/Aa3 Aa2/AA- Aa3/AA A3
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.75 8.16 8.01 7.1 8.02 7.3 9.7
Capital (*2) 10.22 12.64 11.77 10.1 11.95 13.2 13.9
anks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Jun-00 30-Jun-00 30-Jun-00
6 6 9
31-Dec-99 31-Dec-99 31-Mar-00
12 12 6
0.78 7.96 291
0.67 0.86 1.16
-KRW28b EUR1020m AUD818m
-0.04 0.38 1.06
0 0 0
0 0 0
0 0 0
0 0 1
0 0 0
0 0 0
Baa3/BB AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
7.26 10.0 7.2
11.38 10.5 9.3
Size
Banking group in NZ:
Total assets (NZ$m) 566 2629 168 1289 1919 7011 4705.8
Percentage change last 12 months 12.5 145 -21.07 -13.0 8.33 25.7 20.8
Overseas banking group:
Total assets EUR553.3b AUD4943m AUD3303m EUR330884m USD423820m EUR925639m HKD1660042m
Percentage change last 12 months 16.5 145 -0.82 29.9 15.91 9.21 6.9
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 1.05 0 0 0 0 11.1
As a percentage of total assets 0 0.04 0 0 0 0 0.2
Specific provisions (NZ$m) 0 0.29 0 0 0 0 2.9
As a percentage of impaired assets 0 27.67 0 0 0 0 26.1
Overseas banking group:
Impaired assets EUR7.6b AUD1.7m AUD46m EUR14.1b USD4269m EUR4100m HKD39412m
As a percentage of total assets 1.7 0.03 1.39 4.26 1.01 0.49 2.4
Specific provisions EUR4.5b AUD0.2m AUD29m EUR6.5b 0 EUR6264m HKD21502m
As a percentage of impaired assets 59 14.54 62.48 46.1 0 152.8 54.6
317 1922 34655
154.76 -8.52 19.1
KRW72980b EUR281218m AUD157401m
-10.97 12.61 13.6
0.01 6.12 127
0 0.32 0.4
0 3.27 34
0 53.42 26.8
KRW5100b EUR3727m AUD582m
6.99 1.33 0.4
KRW2240b EUR1480m AUD314m
43.92 40.0 54.0
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo-
ABN AMRO AMP Bank BNP CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.)
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-00 30-Sep-00 30-Sep-00 30-Sep-00 30-Sep-00 30-Sep-00 30-Sep-00
Number of months covered by the disclosure statements 9 9 9 9 3 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-00 31-Dec-99 31-Dec-99 31-Dec-99 30-Jun-00 30-Sep-00 30-Sep-00
Number of months covered by the disclosure statements 6 12 12 12 12 9 9
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 3.0 -15 0.44 1.8 41.1 17.7 14
Net profit for previous 12 months as a percentage 0.3 -0.93 0.26 0.15 0.87 1.16 0.20
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1625m -AUD42m -AUD1m EUR972m AUD2700m USD5581m EUR4368m
Net profit for previous 12 months as a percentage 0.6 -1.20 -0.03 0.33 1.7 1.74 0.56
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 2 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/A A- A+/Aa3 Aa3/AA- Aa2/AA- Aa3/AA
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.75 8.16 7.30 7.1 7.49 8.24 7.2
Capital (*2) 10.22 12.64 11.15 10.1 9.75 12.31 12.8
orated banks
Hongkong and
Kookmin Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec-00 30-Sep
30-Sep-00 30-Sep-00 30-Sep-00 30-Sep-00
9 9 9 12
30-Jun 31-Dec-99 31-Dec-99 30-Sep-00
6 12 12 12
22.0 1.12 10.53 408
0.5 0.50 0.69 1.22
HKD15040m -KRW28b EUR1020m AUD1715m
n/a -0.04 0.38 1.06
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 1
0 0 0 0
0 0 0 0
A3 Baa3/BB+ AAA/Aaa AA-/Aa3
Moody's Moody's/S&P S&P/Moody's S&P/Moody's
9.7 7.26 10.00 6.6
13.9 11.38 10.50 9.9
Size
Banking group in NZ:
Total assets (NZ$m) 493 2669 172 1683 18731 2068 9261
Percentage change last 12 months -45.1 131 3.59 -6.4 4.2 18.50 56.81
Overseas banking group:
Total assets EUR533.3b AUD4943m AUD3303m EUR330884m AUD217671m USD439649m EUR995953m
Percentage change last 12 months 16.5 145 -0.82 29.9 57.6 19.31 18.58
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 1.14 0 0 15.5 0 0
As a percentage of total assets 0 0.04 0 0 0.08 0 0
Specific provisions (NZ$m) 0 0.20 0 0 7.5 0 0
As a percentage of impaired assets 0 17.44 0 0 48.4 0 0
Overseas banking group:
Impaired assets EUR7.6b AUD1.7m AUD46m EUR14.1b AUD1004m USD4218m EUR4100m
As a percentage of total assets 1.7 0.03 1.40 4.26 0.46 0.96 0.49
Specific provisions EUR4.5m AUD0.2m AUD31m EUR6.5b AUD432m 0 6264
As a percentage of impaired assets 59.2 14.54 67.47 46.1 43.0 0 152.8
5541 436 2410 35017
30.4 211.40 19.10 18.5
HKD1660042m KRW72980b EUR281218m AUD167618m
6.9 -10.97 12.61 19.5
16.9 0.2 3.11 151
0.3 0.05 0.13 0.4
2.9 0 1.79 30
17.2 0 57.69 19.9
HKD39412m KRW5100b EUR3727m AUD593m
2.4 6.99 1.33 0.4
HKD21502m KRW2240b EUR1480m AUD266m
54.6 43.92 39.71 44.9
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00
Number of months covered by the disclosure statements 12 12 12 6 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00 31-Dec-00
Number of months covered by the disclosure statements 12 12 12 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -1.0 -22.6 0.3 71.5 22.9 21 26.8
Net profit for previous 12 months as a percentage -0.2 -0.88 0.20 0.79 1.18 0.18 0.6
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2498m -AUD57m -AUD9.4m AUD2995m USD8110m EUR4949m HKD29719m
Net profit for previous 12 months as a percentage 0.5 -1.14 -0.31 1.56 1.61 0.55 1.8
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 1 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/A A- AA-/Aa3 Aa2/AA- Aa3/AA A3
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.2 6.75 7.41 6.71 8.41 7.2 9.4
Capital (*2) 10.39 10.58 11.50 9.37 12.29 12.8 13.2
Size
rated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Dec-00 31-Dec-00 31-Dec-00
12 12 3
31-Dec-00 31-Dec-00 31-Dec-00
12 12 12
1.36 8.7 106
0.61 0.40 1.24
KRW592b EUR1194m AUD1715m
0.72 0.36 1.06
0 0 0
0 0 0
0 0 0
0 0 1
0 0 0
0 0 0
Baa3/BB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
6.82 10.30 6.6
11.18 10.60 9.9
Banking group in NZ:
Total assets (NZ$m) 276 2677 146 19619 2152 15859 4041
Percentage change last 12 months -58.8 8.57 -19.25 15.1 22.98 131.30 -10.5
Overseas banking group:
Total assets EUR543.2b AUD5156m AUD2794m AUD223325m USD551607m EUR967000m HKD1761970m
Percentage change last 12 months 18.6 4.3 -15.42 38.1 17.00 15.10 7.6
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 1.47 0 19.1 0 0 14.6
As a percentage of total assets 0 0.05 0 0.10 0 0 0.4
Specific provisions (NZ$m) 0 0.27 0 6.7 0 0 2.5
As a percentage of impaired assets 0 18.48 0 35.1 0 0 17.1
Overseas banking group:
Impaired assets EUR7.6b AUD1.2m AUD3.4m AUD828m USD6609m EUR4100m HKD35270m
As a percentage of total assets 1.66 0.02 0.12 0.37 1.20 0.49 2.0
Specific provisions EUR4.5b AUD0.2m AUD1.7m AUD240m USD467m EUR6264m HKD19422m
As a percentage of impaired assets 59.2 18.52 50.5 29.0 7.07 152.8 55.1
230 2463 36256
5.23 19.54 14.8
KRW91099b EUR342920m AUD167618m
24.83 21.94 19.5
0 1.87 146
0 0.08 0.4
0 1.83 31
0 97.86 21.2
KRW3833b EUR1042m AUD593m
4.70 1.18 0.4
KRW2220b EUR1646m AUD266m
57.92 40.72 44.9
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-June 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-01 31-Mar-01 31-Mar-01 31-Mar-01 31-Mar-01 31-Mar-01 31-Mar-01
Number of months covered by the disclosure statements 3 3 3 9 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-01 31-Dec-00 31-Dec-00 31-Dec-00 31-Mar-01 31-Mar-01 31-Dec-00
Number of months covered by the disclosure statements 3 12 12 12 3 3 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 1.0 -3.5 0.4 106.0 5.58 9 1.6
Net profit for previous 12 months as a percentage 0.1 -0.85 0.23 0.75 1.16 0.18 0.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR683m -AUD57m -AUD9m AUD2995m USD2097m EUR1026m HKD29719m
Net profit for previous 12 months as a percentage N/A -1.14 -0.031 1.56 1.51 0.51 1.8
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 1 0 0 0 0
Bank counterparties:
10-50% 0 2 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A2/A A- AA-/Aa3 Aa2/AA- Aa3/AA A3
Issuer Moody's/S&P Moody's/S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.82 6.75 6.56 6.71 8.34 6.9 9.4
Capital (*2) 10.19 10.58 10.40 9.37 12.51 11.9 13.2
Size
rated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Mar-01 31-Mar-01 31-Mar-01
3 3 6
31-Dec-00 31-Dec-00 31-Mar-01
12 12 6
0.54 3.4 216
0.68 0.41 1.22
KRW592b EUR1194m AUD924m
0.72 0.36 1.03
0 0 0
0 0 0
0 0 0
0 0 1
0 0 0
0 0 0
Baa3/BB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
6.82 10.30 6.1
11.18 10.60 9.3
Banking group in NZ:
Total assets (NZ$m) 542 2742 236 20819 2535 18362 5152
Percentage change last 12 months -10.5 8.5 54.65 22.1 38.96 94 10.0
Overseas banking group:
Total assets EUR601.7b AUD5156m AUD2794m AUD223325m USD565596m EUR1017400m HKD1761970m
Percentage change last 12 months N/A 4.3 -15.42 38.1 16.67 7 7.6
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 1.47 0 21.6 0 0 245.5
As a percentage of total assets 0 0.05 0 0.10 0 0 4.8
Specific provisions (NZ$m) 0 0.31 0 6.3 0 0 10.1
As a percentage of impaired assets 0 21.24 0 29.2 0 0 4.1
Overseas banking group:
Impaired assets EUR7.9b AUD1.2m AUD66.1m AUD828m USD8091m EUR4400m HKD35270m
As a percentage of total assets 1.5 0.02 2.37 0.37 1.43 0.47 2.0
Specific provisions EUR4.2b AUD0.2m AUD1.8m AUD240m USD467m EUR6200m HKD19422
As a percentage of impaired assets 53.2 18.52 2.79 29.0 7.07 141 55.1
130 2414 37978
50.14 19.43 17.5
KRW91099b EUR342920m AUD184912m
24.83 21.94 17.5
13 3.66 166
0 0.15 0.4
0 1.76 40
0 48.09 24.1
KRW3833b EUR4042m AUD858m
4.70 1.18 0.5
KRW2220b EUR1646m AUD279m
57.92 40.72 32.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo-
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.)
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-01 30-Jun-01 30-Jun-01 30-Jun-01 30-Jun-01 30-Jun-01
Number of months covered by the disclosure statements 6 6 6 12 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-01 31-Dec-00 31-Dec-00 30-Jun-01 30-Jun-01 30-Jun-01
Number of months covered by the disclosure statements 6 12 12 12 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 1.1 -8.0 0.9 138.6 6.00 32
Net profit for previous 12 months as a percentage -0.1 -0.73 0.42 0.70 0.84 0.36
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2316m -AUD57m -AUD9m AUD2398m USD4353m EUR2451m
Net profit for previous 12 months as a percentage 0.6 -1.14 -0.31 1.1 1.49 0.38
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0
20-30% 0 0 0 0 0 0
>30% 0 0 1 0 0 0
Bank counterparties:
10-50% 0 2 0 0 0 0
50-100% 0 0 0 0 0 0
>100% 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A A- AA-/Aa3 Aa2/AA Aa3/AA
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.55 6.75 7.59 7.22 8.43 7.6
Capital (*2) 10.19 10.58 11.27 9.73 12.58 12.6
Size
as incorporated banks
Hongkong and
Kookmin Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec 30-Sep
30-Jun-01 30-Jun-01 30-Jun-01 30-Jun-01
6 6 6 9
30-Jun-01 31-Dec-00 31-Dec-00 31-Mar-01
6 12 12 6
5.4 0.83 8.8 319
0.4 0.60 0.41 1.20
HKD16305m KRW592b EUR1194m AUD924m
n/a 0.72 0.36 1.03
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 1
0 0 0 0
0 0 0 0
A3 Baa3/BB+ AAA/Aaa AA-/Aa3
Moody's Moody's/S&P S&P/Moody's S&P/Moody's
9.5 6.82 10.3 6.1
13.2 11.18 10.6 9.3
Banking group in NZ:
Total assets (NZ$m) 396 2848 240 21586 2413 18813
Percentage change last 12 months -30.0 8.33 43.06 21.0 25.70 168
Overseas banking group:
Total assets EUR614.6b AUD5156m AUD2794m AUD230411m USD560603m EUR987846m
Percentage change last 12 months 15.2 4.3 -15.42 5.6 9.61 6.7
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.76 0 31.2 214 0
As a percentage of total assets 0 0.03 0 0.14 8.88 0
Specific provisions (NZ$m) 0 0.27 0 6.8 0 0
As a percentage of impaired assets 0 35.76 0 21.8 0 0
Overseas banking group:
Impaired assets EUR7.9b AUD1.2m AUD64.0m AUD649m USD8472m EUR4400m
As a percentage of total assets 1.45 0.02 2.29 0.28 1.51 0.47
Specific provisions EUR4.2b AUD0.2m AUD2.0m AUD234m USD467m EUR6200m
As a percentage of impaired assets 53 18.52 3.14 36.1 7.07 141
4722 149 2596 35717
0.3 -53.01 35.07 3.1
HKD1713644m KRW91099b EUR342920m AUD184912m
3.2 24.83 21.94 17.5
241.7 0 3.24 190
5.1 0 0.12 0.5
10.6 0 1.40 53
4.4 0 43.21 27.9
HKD32464m KRW3833b EUR4042m AUD858m
1.9 4.70 1.18 0.5
HKD18109m KRW2220b EUR1646m AUD279m
55.8 57.92 40.72 32.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-01 30-Sep-01 30-Sep-01 30-Sep-01 30-Sep-01 30-Sep-01 30-Sep-01
Number of months covered by the disclosure statements 9 9 9 3 9 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Sep-01 31-Dec-00 31-Dec-00 30-Jun-01 30-Sep-01 30-Sep-01 30-Jun-01
Number of months covered by the disclosure statements 9 12 12 12 9 9 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 1.0 -19.48m 1.1 45.4 15.50 47 11.4
Net profit for previous 12 months as a percentage -0.7 -0.98 0.52 0 0.90 0.36 0.3
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2792b -AUD57.39m -AUD9M AUD2398m USD6727M EUR2754m HKD16305m
Net profit for previous 12 months as a percentage n/a -1.14 -0.31 1.1 1.58 0.34 n/a
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 3 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A A- AA-/Aa3 Aa1/AA Aa3/AA A3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 6.47 6.75 7.54 6.51 8.37 7.9 9.5
Capital (*2) 10.10 10.58 11.85 9.16 12.55 12.0 13.2
rated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Sep-01 30-Sep-01 30-Sep-01
9 9 12
31-Dec-00 31-Dec-00 30-Sep-01
12 12 12
1.10 14.56 465
0.44 0.51 1.26
KRW592b EUR1194m AUD1903m
0.72 0.36 1.08
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
Baa3/BB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moodys S&P/Moody's
6.82 10.30 6.3
11.18 10.60 9.9
Size
Banking group in NZ:
Total assets (NZ$m) 392 2881 212 22841 2373 20339 5239
Percentage change last 12 months -20.3 8 22.78 21.9 14.73 120 -5.4
Overseas banking group:
Total assets EUR597.7b AUD5156m AUD2794m AUD230411m USD647250m EUR950m HKD1713644m
Percentage change last 12 months n/a 4.3 -15.42 5.6 21.43 -5 3.2
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 3.0 0 25.5 0 0 233.3
As a percentage of total assets 0 0.11 0 0.11 0 0 4.5
Specific provisions (NZ$m) 0 1.1 0 7.2 0 0 14.0
As a percentage of impaired assets 0 36.55 0 28.2 0 0 6.0
Overseas banking group:
Impaired assets EUR7.9b AUD1.2m AUD65.9m AUD649m USD9617m EUR4400m HKD32464m
As a percentage of total assets 1.45 0.02 2.0 0.28 1.49 0.47 1.9
Specific provisions EUR4.2b AUD0.2m AUD2.1m AUD234m USD467m EUR6200 HKD18109m
As a percentage of impaired assets 53.2 18.52 3.14 36.1 7.07 141 55.8
165 2541 38178
-62.13 5.48 9.0
KRW91099b EUR342920m AUD189845m
24.83 21.94 13.3
0.09 3.19 146
0.02 0.13 0.4
0 1.35 38
0 42.32 26.0
KRW3833b EUR4042m AUD902m
4.70 1.18 0.5
KRW2220b EUR1646m AUD307m
57.92 40.72 34.0
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01
Number of months covered by the disclosure statements 12 12 12 6 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01 31-Dec-01
Number of months covered by the disclosure statements 12 12 12 6 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 1.5 -23.02 1.1 90.7 24 77 16.4
Net profit for previous 12 months as a percentage 0.4 -0.83 0.53 0.73 1.04 0.55 0.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR3230m -AUD47m AUD10m N/A USD9642m EUR167m HKD30156m
Net profit for previous 12 months as a percentage 0.6 -0.83 0.34 1.07 1.64 0.02 1.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A BBB+ AA-/Aa3 Aa1/AA Aa3/AA A3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.0 9.18 7.73 6.75 9.23 8.1 9.5
Capital (*2) 10.9 12.75 11.76 9.31 13.60 12.1 13.0
orated banks
Kookmin Rabobank Westpac
31 Dec 31-Dec 30-Sep
31-Dec-01 31-Dec-01 31-Dec-01
12 12 3
31-Dec-00 31-12-01 30-Sep-01
12 12 12
1.50 20.05 117
0.76 0.79 1.27
KRW592b EUR1291m AUD1903m
0.72 0.35 1.08
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
Baa3/BB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
6.82 10.20 6.3
11.18 10.50 9.9
Size
Banking group in NZ:
Total assets (NZ$m) 475 2890 255 23629 2257 12346 4419
Percentage change last 12 months 72.0 7.94 74.68 20.4 4.90 -22.2 9.4
Overseas banking group:
Total assets EUR597.4b AUD6027m AUD3263m AUD239653m USD646944m EUR918706m HKD1742741m
Percentage change last 12 months 10.0 16.89 16.8 7.3 17.28 -1.11 -1.1
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 4.59 0 25.2 0 0 221.8
As a percentage of total assets 0 0.16 0 0.11 0 0 5.0
Specific provisions (NZ$m) 0 3.38 0 8.1 0 0 9.3
As a percentage of impaired assets 0 73.74 0 32.1 0 0 4.2
Overseas banking group:
Impaired assets EUR7.9b AUD3.7m AUD64.0m AUD983m USD9896m EUR10797m HKD29099m
As a percentage of total assets 1.5 0.06 1.95 0.41 1.53 1.18 1.7
Specific provisions EUR4.2b AUD2.8m AUD3.0m AUD309m USD910m EUR3720m HKD15581m
As a percentage of impaired assets 53.2 73.75 5.42 31.4 9.20 34.5 53.5
166 2715 37927
-27.75 10.24 4.6
KRW91099b EUR363619m AUD189845m
24.83 6.04 13.3
0 3.07 124
0 0.11 0.3
0 1.31 28
0 42.75 22.6
KRW3833b EUR3930m AUD902m
4.70 1.08 0.5
KRW2220b EUR1753m AUD307m
57.92 44.61 34.0
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-02 31-Mar-02 31-Mar-02 31-Mar-02 31-Mar-02 31-Mar-02 31-Mar-02
Number of months covered by the disclosure statements 3 3 3 9 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-02 31-Dec-01 31-Dec-01 31-Dec-01 31-Mar-02 31-Mar-02 31-Dec-01
Number of months covered by the disclosure statements 3 12 12 12 3 3 3
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.60 -0.89 0.2 138.9 7.42 26 6.1
Net profit for previous 12 months as a percentage 0.2 -0.72 0.36 0.76 1.04 0.55 0.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR397m -AUD47m AUD10m AUD2467m USD2466m EUR597m HKD30156m
Net profit for previous 12 months as a percentage 0.5 -0.83 0.34 1.07 1.66 0.04 1.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 1 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa2/AA A BBB+ AA-/Aa3 Aa1/AA Aa3/AA A3
Issuer Moody's/S&P S&P S&P S&P, Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.13 9.18 7.86 (31/03/02) 6.75 8.55 8.9 9.5
Capital (*2) 10.95 12.75 12.06 (31/03/02) 9.31 12.82 13.2 13.0
Size
rated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Mar-02 31-Mar-02 31-Mar-02
3 3 6
31-Dec-01 31-Dec-01 31-Mar-02
12 12 6
0.39 3.56 231
0.88 0.78 1.29
KRW836b EUR1291m AUD1018m
0.63 0.35 1.11
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
BBB-/Baa3 AAA/Aaa AA-/Aa3
S&P/Moody's S&P/Moody's S&P/Moody's
7.09 10.20 6.8
10.23 10.50 10.2
Banking group in NZ:
Total assets (NZ$m) 497 2887 238 24462 3004 16121 4343
Percentage change last 12 months -8.2 5.3 0.97 18.3 18.48 -12 -15.7
Overseas banking group:
Total assets EUR623.6b AUD6027m AUD3263m AUD239653m USD639531m EUR950b HKD1742741m
Percentage change last 12 months 3.6 16.89 16.80 7.3 13.07 -7 -1.1
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 3.84 0 24.7 0 0 210
As a percentage of total assets 0 0.13 0 0.10 0 0 4.8
Specific provisions (NZ$m) 0 3.38 0 8.5 0 0 11.0
As a percentage of impaired assets 0 88.17 0 34.4 0 0 5.2
Overseas banking group:
Impaired assets EUR8.6b AUD3.7m AUD61.2m AUD983m USD10510m EUR10797m HKD29099m
As a percentage of total assets 1.44 0.06 1.88 (31/03/02) 0.41 1.64 1.18 1.7
Specific provisions EUR4.5b AUD2.8m AUD3m AUD309m USD910m EUR3720 HKD15581m
As a percentage of impaired assets 52.3 73.75 5.62 (31/03/02) 31.4 9.20 34.5 53.5
175 2710 37261
34.37 12.28 -1.9
KRW172598b EUR363619m AUD186192m
89.46 6.04 0.7
0.3 1.50 113
0.15 0.06 0.3
0 1.28 27
0 84.99 23.9
KRW2959b EUR3930m AUD861m
1.89 1.08 0.5
KRW2462b EUR1753m AUD356m
83.22 44.61 41.3
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-02 30-Jun-02 30-Jun-02 30-Jun-02 30-Jun-02 30-Jun-02 30-Jun-02
Number of months covered by the disclosure statements 6 6 6 12 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-02 31-Dec-01 31-Dec-01 30-Jun-02 30-Jun-02 30-Jun-02 30-Jun-02
Number of months covered by the disclosure statements 6 12 12 12 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 4.9 -1.54 0.4 192.6 15.89 60 -12.6
Net profit for previous 12 months as a percentage 1.3 -0.57 0.25 0.82 1.34 0.63 n/a
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR931m -AUD47m AUD10m AUD2655m USD5504m EUR801m HKD14730m
Net profit for previous 12 months as a percentage 0.3 -0.83 0.34 1.1 1.75 -0.03 n/a
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 1 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA A- BBB+ AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.15 9.18 7.91 7.54 8.40 9.3 9.7
Capital (*2) 10.80 12.75 11.72 9.65 12.53 12.8 13.1
rated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Jun-02 30-Jun-02 30-Jun-02
6 6 9
31-Dec-01 31-Dec-01 31-Mar-02
12 12 6
0.85 8.1 472
0.88 0.72 1.64
KRW836b EUR1291m AUD1018m
0.63 0.35 1.11
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
A3/BBB AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moodys
7.09 10.2 6.8
10.23 10.5 10.2
Size
Banking group in NZ:
Total assets (NZ$m) 439 2959 224 25628 2797 14501 5115
Percentage change last 12 months 10.9 3.90 -6.91 18.7 15.94 -23 8.3
Overseas banking group:
Total assets EUR607.5b AUD6027m AUD3263m AUD249648m USD665305m EUR899b HKD1812447m
Percentage change last 12 months -1.2 16.89 16.80 8.3 18.68 -5.5 5.8
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.70 0 35.2 0 0 195.1
As a percentage of total assets 0 0.02 0 0.14 0 0 3.8
Specific provisions (NZ$m) 0 0.26 0 6.8 0 0 51.8
As a percentage of impaired assets 0 36.69 0 19.3 0 0 26.6
Overseas banking group:
Impaired assets EUR8.6b AUD3.7m AUD58.0m AUD884m USD10731m EUR10797m HKD26313m
As a percentage of total assets 1.44 0.06 1.77 0.35 1.61 1.18 1.5
Specific provisions 4.5 AUD2.8m AUD3.0m AUD271m USD910m EUR3720m HKD13337m
As a percentage of impaired assets 52.3 73.75 5.95 30.7 9.20 34.5 50.7
196 2915 37118
31.56 12.29 3.9
KRW172598b EUR363619m AUD186192m
89.46 6.04 0.7
0 5.30 96
0 0.18 0.2
0 1.28 18
0 24.15 18.8
KRW4015b EUR3930m AUD861m
2.56 1.08 0.5
KRW2462b EUR1753m AUD356m
61.32 44.61 41.3
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-02 30-Sep-02 30-Sep-02 30-Sep-02 30-Sep-02 30-Sep-02 30-Sep-02
Number of months covered by the disclosure statements 9 9 9 3 9 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Sep-02 31-Dec-01 31-Dec-01 30-Jun-02 30-Sep-02 30-Sep-02 30-Sep-02
Number of months covered by the disclosure statements 9 12 12 12 9 9 9
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 5.6 -0.5 .533 56.3 26.6 102 -4.7
Net profit for previous 12 months as a percentage 1.3 -0.17 0.22 0.78 1.35 0.72 0.0
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1522m -AUD46.63m AUD10m AUD2655m USD8477m EUR502M HKD14730m
Net profit for previous 12 months as a percentage 0.3 -0.83 0.34 1.1 1.75 -0.06 n/a
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 2 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA A BBB+ AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P. S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.00 9.18 8.25 6.78 8.55 8.9 9.7
Capital (*2) 10.87 12.75 12.07 9.80 12.73 12.0 13.1
ated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Sep-02 30-Sep-02 30-Sep-02
9 9 12
31-Dec-01 31-Dec-01 30-Sep-02
12 12 12
1.56 11.82 614
1.02 0.63 1.64
KRW836b EUR1291m AUD2192m
0.63 0.35 1.20
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
A3/BBB AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
7.09 10.20 6.5
10.23 10.50 9.4
Size
Banking group in NZ:
Total assets (NZ$m) 539 1935 226 26280 2677 16299 4854
Percentage change last 12 months 37.5 -32.84 6.79 15.6 12.81 -20 -7.4
Overseas banking group:
Total assets EUR604b AUD6027m AUD3263m AUD249648m USD655294m EUR831b HKD1812447m
Percentage change last 12 months 1.2 16.89 16.80 8.3 1.24 -10.0 5.8
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.81 0 32.0 0 0 203.4
As a percentage of total assets 0 0.04 0 0.12 0 0 4.2
Specific provisions (NZ$m) 0 0.37 0 7.5 0 0 56.9
As a percentage of impaired assets 0 45.21 0 23.4 0 0 28.0
Overseas banking group:
Impaired assets EUR8.6b AUD3.7m AUD56.5m AUD884m USD10856m EUR10797m HKD26313m
As a percentage of total assets 1.44 0.06 1.80 0.35 1.66 1.18 1.50
Specific provisions EUR4.5b AUD2.8m 0 AUD271m USD910m EUR3720m HKD13337m
As a percentage of impaired assets 52.3 73.75 0 30.7 9.20 34.5 50.7
219 2873 37459
33.08 13.02 -1.9
KRW172598b EUR363619m AUD191037m
89.46 6.04 0.6
0 5.11 91
0 0.18 0.2
0 2.12 15
0 41.49 16.5
KRW4015b EUR3930m AUD679m
2.56 1.08 0.4
KRW2462b EUR1753m AUD272m
61.32 44.61 40.1
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02
Number of months covered by the disclosure statements 12 12 12 6 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02 31-Dec-02
Number of months covered by the disclosure statements 12 12 12 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 12.1 -4.68 0.430 114.1 29.1 319 -0.4
Net profit for previous 12 months as a percentage 1.8 -0.19 0.18 0.85 1.1 2.45 0
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2207m -AUD53.23m AUD17m AUD2073m USD6356m EUR397m HKD29637m
Net profit for previous 12 months as a percentage 0.4 -0.86 0.52 0.83 1.34 0.05 1.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 2 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 1 1 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- A- BBB+ AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.5 8.55 8.52 7.06 8.4 9.6 9.8
Capital (*2) 11.5 11.61 11.95 9.81 12.58 12.6 12.7
rated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Dec-02 31-Dec-02 31-Dec-02
12 12 3
31-Dec-01 31-Dec-02 30-Sep-02
12 12 12
2.23 20.42 149
1.14 0.72 1.71
KRW836b EUR1250m AUD2192m
0.63 0.33 1.2
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
A3/BBB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
7.09 10.3 6.5
10.23 10.5 9.4
Size
Banking group in NZ:
Total assets (NZ$m) 923 2029 211 27371 2535 13732 5335
Percentage change last 12 months 94.4 -29.79 -17.41 16.1 12.31 11.2 20.7
Overseas banking group:
Total assets EUR556b AUD6419m AUD3150m AUD262017m USD498676m EUR758b HKD1867724m
Percentage change last 12 months -6.9 6.5 -3.45 9.3 10.24 -17.4 7.2
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.35 0 47.4 17.45 0 182.8
As a percentage of total assets 0 0.02 0 0.17 0.69 0 3.4
Specific provisions (NZ$m) 0 0.25 0 7.9 0 0 55.5
As a percentage of impaired assets 0 71.1 0 16.7 0 0 30.4
Overseas banking group:
Impaired assets EUR8.6b AUD0.33m AUD54.2m AUD863m USD6997m EUR8922m HKD22708m
As a percentage of total assets 1.4 0.01 1.72 0.33 1.4 1.18 1.2
Specific provisions EUR4.5b AUD0.23m 0 AUD264m 0 EUR3144m HKD11500m
As a percentage of impaired assets 52.3 71.04 0 30.6 0 35.2 50.6
225 2957 38909
35.41 8.89 2.6
KRW172598b EUR374720m AUD191037m
89.46 3.05 0.6
0 5.55 78
0 0.19 0.2
0 3.58 15
0 64.57 19.2
KRW4015b EUR4140m AUD679m
2.56 1.1 0.4
KRW2462b EUR1792m AUD272m
61.32 43.29 40.1
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-03 31-Mar-03 31-Mar-03 31-Mar-03 31-Mar-03 31-Mar-03 31-Mar-03
Number of months covered by the disclosure statements 3 3 3 9 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-03 31-Dec-02 31-Dec-02 31-Dec-02 31-Mar-03 31-Mar-03 31-Dec-02
Number of months covered by the disclosure statements 3 12 12 12 3 3 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.61 0.59 0.17 180.3 4.4 102 6.3
Net profit for previous 12 months as a percentage 1.6 -0.13 0.15 0.89 0.97 2.41 0
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR690m -AUD53.23m AUD17m AUD2073m USD1985m -EUR219m HKD296371.7m
Net profit for previous 12 months as a percentage 0.4 -0.86 0.52 0.83 1.42 -0.05 1.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 1 1 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- BBB+ BBB+ AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.4 8.55 8.69 7.06 8.46 9.6 9.8
Capital (*2) 11.03 11.61 12.01 9.81 12.69 13.1 12.7
aries of overseas incorporated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Mar-03 31-Mar-03 31-Mar-03
3 3 6
31-Dec-01 31-Dec-02 31-Mar-03
12 12 6
0.64 5.79 308
1.17 0.76 1.8
KRW836b EUR1250m AUD1051m
0.63 0.33 1.15
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
A3/BBB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
7.09 10.3 6.4
10.23 10.5 9.7
Size
Banking group in NZ:
Total assets (NZ$m) 995 1980 239 28041 2416 13964 5186
Percentage change last 12 months 99.9 -31.42 0.15 14.4 -19.57 -13 19.4
Overseas banking group:
Total assets EUR597b AUD6419m AUD3150m AUD262017m USD514803m EUR802b HKD1867724m
Percentage change last 12 months -4.2 6.5 -3.45 9.3 13.18 -16 7.2
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0.10 0 43.1 16.58 0 174.1
As a percentage of total assets 0 0.01 0 0.15 0.69 0 3.4
Specific provisions (NZ$m) 0 0.09 0 8.4 0 0 54.4
As a percentage of impaired assets 0 87.13 0 19.5 0 0 31.2
Overseas banking group:
Impaired assets EUR8.2b AUD0.33m AUD50.9m AUD863m USD6960m EUR8922m HKD22708m
As a percentage of total assets 1.5 0.01 1.62 0.33 1.35 1.18 1.2
Specific provisions EUR4.1b AUD0.23m 0 AUD264m 0 EUR3144m HKD11500m
As a percentage of impaired assets 50.0 71.04 0 30.6 0 35.2 50.6
249 3372 39677
42.07 24.4 6.5
KRW172598b EUR374720m AUD206430m
89.46 3.05 10.9
0 4.08 67
0 0.12 0.2
0 4.08 12
0 100 17.9
KRW4015b EUR4140m AUD537m
2.56 1.1 0.3
KRW2462b EUR1785m AUD226m
61.32 43.29 42.1
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-03 30-Jun-03 30-Jun-03 30-Jun-03 30-Jun-03 30-Jun-03 30-Jun-03
Number of months covered by the disclosure statements 6 6 6 12 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-03 31-Dec-02 30-Jun-03 30-JUn-03 30-Jun 30-Jun-03 30-Jun-03
Number of months covered by the disclosure statements 6 12 12 12 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 6.6 4.7 0.57 246 4.9 173 9.7
Net profit for previous 12 months as a percentage 1.6 -0.1 0.28 0.9 0.72 2.6 0.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1472m -AUD53.23m AUD17m AUD2012m USD3754m EUR353m HKD14326m
Net profit for previous 12 months as a percentage 0.3 -0.86 0.52 0.8 1.33 -0.01 n/a
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 1 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- BBB+ BBB+ AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P S&P/ Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.63 8.55 9.29 7.46 8.41 10.0 10.6
Capital (*2) 11.10 11.61 12.57 9.36 12.63 13.7 12.7
aries of overseas incorporated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Jun-03 30-Jun-03 30-Jun-03
6 6 9
31-Dec-02 31-Dec-02 31-Mar-03
12 12 6
1.4 12.90 322
1.28 0.81 1.18
KRW1271b EUR1250m AUD1051m
0.71 0.33 1.15
0 0 0
0 0 0
0 0 0
0 0 2
0 0 0
0 0 0
A3/BBB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
6.62 10.3 6.4
10.41 10.5 9.7
Size
Banking group in NZ:
Total assets (NZ$m) 671 410 209 28989 2087 13153 6447
Percentage change last 12 months 52.7 -86.14 -6.35 13.1 -25.4 -9 26.0
Overseas banking group:
Total assets EUR614b AUD6419m AUD3150m AUD265110m USD523115m EUR851b HKD1987562m
Percentage change last 12 months 1.1 6.5 -3.45 6.2 7.4 -5.3 9.5
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 31.8 154.68 0 170.2
As a percentage of total assets 0 0 0 0.11 7.41 0 2.6
Specific provisions (NZ$m) 0 0 0 9.5 0 0 52.9
As a percentage of impaired assets 0 0 0 29.9 0 0 31.1
Overseas banking group:
Impaired assets EUR9.4b AUD0.33m AUD108.8m AUD639m USD7064m EUR8922m HKD22089
As a percentage of total assets 1.7 0.01 3.45 0.24 1.35 1.18 1.1
Specific provisions EUR4.1b AUD0.23m 0 AUD205m 0 EUR3144 HKD11002m
As a percentage of impaired assets 43.6 71.04 0 32.1 0 35.2 49.8
230.5 3554 40947
17.72 21.92 10.3
KRW187126b EUR374720m AUD206430m
8.42 3.05 10.9
0 5.42 62
0 0.15 0.2
0 4.08 12
0 75.28 19.4
KRW4126b EUR4140m AUD537m
2.20 1.1 0.3
KRW3312 EUR1792m AUD226m
80.27 43.29 42.1
G2 Information extracted from the Key Information Summaries of overseas in
ABN AMRO AMP Bank Bank of Tokyo-Mit.(Aust.) CBA (NZ) Citibank Deutsche Bank
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-03 30-Sep-03 30-Sep-03 30-Sep-03 30-Sep-03 30-Sep-03
Number of months covered by the disclosure statements 9 9 9 3 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Sep-03 31-Dec-02 31-Dec-02 or 30-Sep-03 with * 30-Jun-03 30-Sep-03 30-Sep-03
Number of months covered by the disclosure statements 9 12 12 12 9 9
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 3.3 3.91 0.88 68.6 8.3 246
Net profit for previous 12 months as a percentage 2.2 -0.03 0.33 0.9 0.47 2.28
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2304m -AUD53.23m AUD17m AUD2012m USD5742m EUR929m
Net profit for previous 12 months as a percentage 0.5 -0.86 0.52 0.8 1.3 0.1
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 3 0 0 0
20-30% 0 0 1 0 0 0
>30% 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0
50-100% 0 0 0 0 0 0
>100% 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- BBB+ BBB+ AA-/Aa3 Aa1/AA Aa3/AA-
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 7.79 8.55 75.64* 7.46 9.09 9.5
Summaries of overseas incorporated banks
Hongkong and
Kookmin Rabobank Westpac
Shanghai
31-Dec 31-Dec 31-Dec 30-Sep
30-Sep-03 30-Sep-03 30-Sep-03 30-Sep-03
9 9 9 12
30-Jun-03 31-Dec-02 31-Dec-02 30-Sep-03
6 12 12 12
17 2.0 19.5 462
0.4 1.23 0.84 1.16
HKD14326m KRW1271b EUR1250m AUD2183m
n/a 0.71 0.33 1.15
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 1
0 0 0 0
0 0 0 0
Aa3 A3/BBB+ AAA/Aaa AA-/Aa3
Moody's Moody's/S&P S&P/ Moody's S&P/Moody's
10.6 6.62 10.3 7.2
Capital (*2) 11.42 11.61 99.21* 9.36 13.26 13.2
Size
Banking group in NZ:
Total assets (NZ$m) 448 101 250 30535 1939 13580
Percentage change last 12 months -17.0 -94.8 10.71 16.1 -27.57 -16.7
Overseas banking group:
Total assets EUR601b AUD6419m AUD3150m AUD265110m USD554540m EUR864b
Percentage change last 12 months -0.6 6.5 -3.45 6.2 15.19 4.0
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 25.9 151.63 0
As a percentage of total assets 0 0 0 0.08 7.82 0
Specific provisions (NZ$m) 0 0 0 9.6 0 0
As a percentage of impaired assets 0 0 0 37.1 0 0
Overseas banking group:
Impaired assets EUR9.4b AUD0.33m 0* AUD639m USD6762m EUR8922m
As a percentage of total assets 1.7 0.01 0* 0.24 1.22 1.18
Specific provisions EUR4.1b AUD0.23m 0* AUD205m 0 EUR3144m
As a percentage of impaired assets 43.6 71.04 0* 32.1 0 35.2
12.7 10.41 10.5 10.5
6451 220 4023 39692
32.9 0.12 40.0 6.0
HKD1987562m KRW187126b EUR374720m AUD221339m
9.5 8.42 3.05 15.9
172 0 5.81 71
2.7 0 0.14 0.2
50 0 4.54 8
29.3 0 78.14 11.3
HKD22089m KRW4126b EUR4140m AUD612m
1.1 2.2 1.1 0.3
HKD11002m KRW3312b EUR1792m AUD161m
49.8 80.27 43.29 26.3
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit.(Aust.) Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Dec 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03
Number of months covered by the disclosure statements 12 12 12 6 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03 31-Dec-03
Number of months covered by the disclosure statements 12 12 12 6 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 4.4 3.83 1.32 141 14.8 347 47
Net profit for previous 12 months as a percentage 0.6 0.37 0.60 0.92 0.65 2.65 0.8
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR3161m AUD8.82m AUD8.22m AUD1243m USD7919m EUR1365m HKD29410m
Net profit for previous 12 months as a percentage 0.5 0.2 0.47 0.96 1.48 0.17 1.5
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 3 0 0 0 0
20-30% 0 0 1 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- BBB BBB+ AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 8.15 8.69 67.26 7.26 8.4 10 10.3
aries of overseas incorporated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Dec-03 31-Dec-03 31-Dec-03
12 12 3
31-Dec-02 31-Dec-03 30-Sep-03
12 12 12
2.5 28.8 153
1.14 0.81 1.16
KRW1271b EUR1370m AUD2183m
0.71% 0.35 1.15
0 0 0
0 0 0
0 0 0
0 0 1
0 0 0
0 0 0
A3/BBB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
6.62 10.8 7.2
Capital (*2) 11.73 12.15 85.42 9.46 12.56 13.9 12.1
Size
Banking group in NZ:
Total assets (NZ$m) 499 45 228 32269 2315 12470 6333
Percentage change last 12 months -53.6 -97.77 8.16 17.8 -8.71 -9.2 18.7
Overseas banking group:
Total assets EUR560.4b AUD2599m AUD367m AUD285879m USD582123m EUR803.6m HKD2148741m
Percentage change last 12 months 0.8 -59.51 -88.35 9.1 16.64 6.0 15.0
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 26.2 0 0 25
As a percentage of total assets 0 0 0 0.08 0 0 0.4
Specific provisions (NZ$m) 0 0 0 9.5 0 0 10
As a percentage of impaired assets 0 0 0 36.3 0 0 38.5
Overseas banking group:
Impaired assets EUR9.4b 0 0 AUD573m USD6570m EUR5255m HKD19258m
As a percentage of total assets 1.7 0 0 0.20 1.13 0.65 0.9
Specific provisions EUR4.1b 0 0 AUD198m 0 EUR2471m HKD9934m
As a percentage of impaired assets 43.6 0 0 34.6 0 47.0 47.4
10.41 10.9 10.5
213 3867 40486
-5.15 30.8 4.1
KRW187126b EUR403305m AUD221339m
8.42 7.63 15.9
0 1.5 72
0 0,04 0.2
0 0.92 14
0 61.33 19.4
KRW4126b EUR4332m AUD612m
2.2 1.07 0.3
KRW3312b EUR1934m AUD161m
80.27 50 26.3
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31- Mar 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-04 31-Mar-04 31-Mar-04 31-Mar-04 31-Mar-04 31-Mar-04 31-Mar-04
Number of months covered by the disclosure statements 3 3 1 9 3 3 3
Overseas banking group:
31-Mar-04 or *31 31-Mar-04 or *31
End of period covered by the disclosure statement Dec 03 31-Dec-03 31-Mar-04 31-Dec-03 31-Mar-04 Dec 03 31-Dec-03
Number of months covered by the disclosure statements 3 12 12 6 3 3 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.2 0.5 0.7 211.0 3 70 7
Net profit for previous 12 months as a percentage 0.4 0.37 0.35 0.90 0.6 2.15 0.8
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR934m AUD8.82m JPY429283m AUD1243m USD2296m EUR941m HKD29410m
Net profit for previous 12 months as a percentage 0.4 0.2 0.51 0.96 1.48 0.3 1.5
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- BBB+ A- AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
aries of overseas incorporated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Mar-04 31-Mar-04 31-Mar-04
3 3 6
31-Dec-03
31-Dec-02 31-Mar-04
12 12 6
0.5 8 310
0.92 0.83 1.13
KRW1271b EUR1370m AUD1225m
0.71 0.35 1.15
0 0 0
0 0 0
0 0 0
0 0 1
0 0 0
0 0 0
A3/BBB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
Tier 1 (*1) 8.27 8.69 6.52 7.26 8.86 10.1 10.3
Capital (*2) 11.62 12.15 11.97 9.46 13.00 14.2 12.1
Size
Banking group in NZ:
Total assets (NZ$m) 429 45 207 33486 2274 15305 6268
Percentage change last 12 months -62.6 -97.7 N/A 19.3 -5.89 9.7 20.9
Overseas banking group:
Total assets EUR640b AUD2599m JPY87686618m AUD285879m USD606191m EUR878b HKD2148741m
Percentage change last 12 months 7.2 -59.51 10.17 9.1 17.66 9.5 15
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 24.7 0 0 23
As a percentage of total assets 0 0 0 0.07 0 0 0.4
Specific provisions (NZ$m) 0 0 0 9.0 0 0 7.1
As a percentage of impaired assets 0 0 0 36.4 0 0 30.9
Overseas banking group:
Impaired assets EUR7.4b* 0 JPY1062966m AUD573m USD6062m EUR5255m* HKD19258m
As a percentage of total assets 1.3 * 0 1.21 0.20 1.0 0.65* 0.9
Specific provisions EUR4b* 0 JPY151962 AUD198m 0 EUR2471m* HKD9934m
As a percentage of impaired assets 54.1 * 0 14.3 34.6 0 47* 47.4
6.62 10.8 7.2
10.41 10.9 10.2
248 3932 42300
-0.38 16.61 4.9
KRW187126b EUR403305m AUD234471m
8.42 7.63 13.6
0 4.2 65
0 0.11 0.2
0 1.1 7
0 27.4 10.8
KRW4126b EUR4332m AUD589m
2.2 1.07 0.3
KRW3312b EUR1934m AUD210m
80.27 50 35.7
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO AMP Bank CBA (NZ) Citibank Deutsche Bank
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-04 30-Jun-04 30-Jun-04 30-Jun-04 30-Jun-04 30-Jun-04 30-Jun-04
Number of months covered by the disclosure statements 6 6 3 12 6 6 6
Overseas banking group:
30-Jun-04 or *
End of period covered by the disclosure statement 30-Jun-04 31-Dec-03 31-Mar-04 30-Jun-04 30-Jun-04 30-Jun-04
31 Dec-03
Number of months covered by the disclosure statements 6 12 12 12 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 1 0.4 0.3 286 7.5 174 13
Net profit for previous 12 months as a percentage -0.2 -0.2 0.15 0.9 0.81 2.7 0.8
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1921m AUD9m JPY429283m AUD2572m USD4419m EUR1598m HKD20284m
Net profit for previous 12 months as a percentage 0.6 0.2 0.51 0.9 1.47 0.31 n/a
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- A- A-/A2 AA-/Aa3 Aa1/AA Aa3/AA- Aa3
Issuer Moody's/S&P S&P S&P/Moodys S&P/Moody's Moody's/S&P Moody's/S&P Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
ries of overseas incorporated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Jun-04 30-Jun-04 30-Jun-04
6 6 9
31-Dec-03 31-Dec-03 31-Mar-04
12 12 6
1.0 13 471
0.85 0.75 1.48
-KRW742b EUR1370m AUD1225m
-0.4 0.35 1.15
0 0 0
0 0 0
0 0 0
0 0 1
0 0 0
0 0 0
A3/BBB+ AAA/Aaa AA-/Aa3
Moody's/S&P S&P/Moody's S&P/Moody's
risk-weighted credit exposures)
Tier 1 (*1) 8.33 8.69 6.52 7.43 8.42 9.4 10.9
Capital (*2) 11.32 12.15 11.97 10.25 12.62 13.6 12.5
Size
Banking group in NZ:
Total assets (NZ$m) 582 10 189 35365 2175 12904 6286
Percentage change last 12 months -13.3 -97.7 N/A 21.9 4.21 -2.0 -2.5
Overseas banking group:
Total assets EUR633b AUD2599m JPY87686618m AUD305995m USD648243m EUR849b HKD2234703m
Percentage change last 12 months 3.0 -59.51 10.17 15.4 23.83 -0.2 12.4
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 0 25.9 0 0 23.8
As a percentage of total assets 0 0 0 0.07 0 0 0,.4
Specific provisions (NZ$m) 0 0 0 8.8 0 0 5.7
As a percentage of impaired assets 0 0 0 34.0 0 0 23.9
Overseas banking group:
Impaired assets EUR7.4b 0 JPY1062966m AUD340m USD5828m EUR5255m* HKD13954m
As a percentage of total assets 1.3 0 1.21 0.11 0.9 0.65 0.6
Specific provisions EUR4.0b 0 JPY151962 AUD143m 0 EUR2471m* HKD6314m
As a percentage of impaired assets 54.1 0 14.3 42.1 0 47.0 45.2
6.22 10.8 7.2
10.00 10.9 10.2
276 4110 42370
19.6 15.64 2.8
KRW186773b EUR403305m AUD234471m
-0.19 7.63 13.6
0 3.9 59
0 0.1 0.1
0 0.7 10
0 18.4 16.9
KRW5053b EUR4332m AUD589m
2.71 1.07 0.3
KRW3712b EUR1934m AUD210m
73.46 50 35.7
G2 Information extracted from the Key Information Summaries of overseas incorporated
Bank of Tokyo- Hongkong and
ABN AMRO CBA (NZ) Citibank Deutsche Bank Kookmin
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-04 30-Sep-04 30-Sep-04 30-Sep-04 30_Sep-04 30-Sep-04 30-Sep-04
Number of months covered by the disclosure statements 9 6 3 9 9 9 9
Overseas banking group:
30-Sep-04 or * 31- 30-Sep-04 or * 31
End of period covered by the disclosure statement Dec-04 30-Sep-04 30-Jun-04 30-Sep-04 Dec-03 30-Jun-04 31-Dec-03
Number of months covered by the disclosure statements 9 6 12 9 9 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 4 0.5 84 12 296 18 1.7
Net profit for previous 12 months as a percentage 1.1 0.27 0.9 0.83 2.37 0.7 0.9
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2972m JPY136521m AUD2572m USD6757m EUR2277m HKD20284m -KRW742b
Net profit for previous 12 months as a percentage 0.4 0.15 0.9 1.47 0.32 n/a -0.4
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- A-/A1 AA-/Aa3 AA Aa3/AA- Aa3 A3/BBB+
Issuer Moody's/S&P S&P/Moody's S&P/Moody's S&P Moody's/S&P Moody's Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
f overseas incorporated banks
Rabobank Westpac
31-Dec 30-Sep
30-Sep-04 30-Sep-04
9 12
31-Dec-03
30-Sep-04
12 12
20 617
0.72 1.5
EUR1370m AUD2539m
0.35 1.1
0 0
0 0
0 0
0 1
0 0
0 0
AAA/Aaa AA-/Aa3
S&P/Moodys S&P/Moodys
risk-weighted credit exposures)
Tier 1 (*1) 8.5 6.69 7.43 8.23 9.2 10.9 6.22
Capital (*2) 11.31 10.56 10.25 12.34 13.7 12.5 10.00
Size
Banking group in NZ:
Total assets (NZ$m) 592 187 37398 2260 19978 6365 269
Percentage change last 12 months 32.2 NA 22.5 17.89 47.1 -1.3 22.53
Overseas banking group:
Total assets EUR637.5b JPY95304773m AUD305995m USD651345m EUR845b HKD2234703m KRW186773b
Percentage change last 12 months 6.1 10.33 15.4 17.37 -2.2 12.4 -0.19
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 21.1 0 0 23 0
As a percentage of total assets 0 0 0.06 0 0 0.4 0
Specific provisions (NZ$m) 0 0 9.5 0 0 5.1 0
As a percentage of impaired assets 0 0 45.0 0 0 22.2 0
Overseas banking group:
Impaired assets EUR7.4b* JPY1180742m AUD340m USD5330m EUR5255m * HKD13954m KRW5053b
As a percentage of total assets 1.3 1.24 0.11 0.82 0.65 0.6 2.71
Specific provisions EUR4b* JPY301565m AUD143m 0 EUR2471m * HKD6314m KRW3712b
As a percentage of impaired assets 54.1 25.54 42.1 0 47 45.2 73.46
10.8 6.9
10.9 9.7
4289 42501
6.61 6.4
EUR403305m AUD245079m
7.63 10.7
1.4 58
0.03 0.1
0.7 8
50 13.8
EUR4332m AUD681m
1.07 0.3
EUR1934m AUD237m
50 34.8
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO CBA (NZ) Citibank Deutsche Bank Kookmin
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-04 31-Dec-04 31-Dec-04 31-Dec-04 31-Dec-04 31-Dec-04 31-Dec-04
Number of months covered by the disclosure statements 12 9 6 12 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-04 30-Sep-04 31-Dec-04 31-Dec-04 31-Dec-04 31-Dec-04 31-Dec-03
Number of months covered by the disclosure statements 12 6 6 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 13 0.8 167 9 400 24 3
Net profit for previous 12 months as a percentage 2.0 0.41 0.9 0.43 3.0 0.4 1.23
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR4109m JPY136521m AUD1859m USD9413m EUR2472m HKD37880m -KRW742b
Net profit for previous 12 months as a percentage 0.7 0.15 1.1 1.48 0.3 1.6 -0.4
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- A-/A1 AA-/Aa3 AA Aa3/AA- Aa3 A3/BBB+
Issuer Moody's/S&P S&P/Moody's S&P/Moody's S&P Moody's/S&P Moody's Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 8.57 6.69 7.46 8.42 8.6 11.4 6.22
Capital (*2) 11.26 10.56 9.6 12.51 13.2 11.9 10
aries of overseas incorporated banks
Rabobank Westpac
31-Dec 30-Sep
31-Dec-04 31-Dec-04
12 3
31-Dec-04 30-Sep-04
12 12
27 168
0.65 1.5
EUR1536m AUD2539m
0.35 1.1
0 0
0 0
0 0
0 1
0 0
0 0
AAA/Aaa AA-/Aa3
S&P/Moody's S&P/Moody's
11.4 6.9
11.4 9.7
Size
Banking group in NZ:
Total assets (NZ$m) 848 185 39400 2109 14376 6181 255
Percentage change last 12 months 70.1 NA 22.1 -6.22 15.3 -2.4 19.7
Overseas banking group:
Total assets EUR609b JPY95304773m AUD320953m USD694529m EUR840b HKD2459045m KRW186773b
Percentage change last 12 months 8.6 10.33 12.3 19.31 4.5 14.4 -0.19
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 22 0 0 18 0
As a percentage of total assets 0 0 0.06 0 0 0.3 0
Specific provisions (NZ$m) 0 0 9.4 0 0 4.1 0
As a percentage of impaired assets 0 0 42.7 0 0 22.8 0
Overseas banking group:
Impaired assets EUR7.4b JPY1180742m AUD445m USD4910m EUR3516m HKD10375m KRW5053b
As a percentage of total assets 1.3 1.24 0.14 0.71 0.42 0.4 2.71
Specific provisions EUR4b JPY301565m AUD180m 0 EUR1654m HKD5609m KRW3712b
As a percentage of impaired assets 54.1 25.54 40.4 0 47 54.1 73.46
4338 45736
12.18 13.0
EUR475089m AUD245079m
17.8 10.7
5 50
0.11 0.1
1 7
22.57 14.0
EUR4079m AUD681m
0.86 0.3
EUR2085m AUD237m
51 34.8
G2 Information extracted from the Key Information Summaries of overseas incorp
Bank of Tokyo- Hongkong and
ABN AMRO CBA (NZ) Citibank Deutsche Bank Kookmin
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-05 31-Mar-05 31-Mar-05 31-Mar-05 31-Mar-05 31-Mar-05 31-Mar-05
Number of months covered by the disclosure statements 3 12 9 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-05 31-Mar-05 31-Dec-04 31-Mar-05 31-Mar-05 31-Dec-04 31-Dec-03
Number of months covered by the disclosure statements 3 12 6 3 3 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) -1.6 0.9 259 2.7 102 8 0.6
Net profit for previous 12 months as a percentage 1.3 0.46 0.9 0.4 2.65 0.4 1.02
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR895m JPY263476m AUD1859m USD2281m EUR1103m HKD37880m -KRW 742b
Net profit for previous 12 months as a percentage 0.4 0.29 1.1 1.43 0.3 1.6 -0.4
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Rating Aa3/AA- A-/A1 AA-/Aa3 AA Aa3/AA- Aa3 A3/BBB+
Issuer Moody's/S&P S&P/Moody's S&P/Moody's S&P Moody's/S&P Moody's Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 8.4 6.86 7.46 8.65 9.2 11.4 6.22
aries of overseas incorporated banks
Rabobank Westpac
31-Dec 30-Sep
31-Mar-05 31-Mar-05
3 6
31-Dec-04 31-Mar-05
12 6
6 323
0.59 1.42
EUR1536m AUD1325m
0.35 1.04
0 0
0 0
0 0
0 1
0 0
0 0
AAA/Aaa AA-/Aa3
S&P/Moody's S&P/Moody's
11.4 7.1
Capital (*2) 11.25 11.83 9.6 12.93 13.9 11.9 10
Size
Banking group in NZ:
Total assets (NZ$m) 1334 198 40448 2788 17247 6424 263
Percentage change last 12 months 210.9 -4.56 20.4 22.63 12.7 2.5 6.1
Overseas banking group:
Total assets EUR742.9b JPY93632955m AUD320952m USD684592m EUR901b HKD2459045m KRW186773b
Percentage change last 12 months 16.1 6.78 12.3 12.93 2.6 14.4 -0.19
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 42 0 0 20 0
As a percentage of total assets 0 0 0.1 0 0 0.3 0
Specific provisions (NZ$m) 0 0 11 0 0 4.3 0
As a percentage of impaired assets 0 0 25.4 0 0 21.6 0
Overseas banking group:
Impaired assets EUR7b* JPY973258m AUD445m USD4393m EUR3516m HKD10375m KRW5053b
As a percentage of total assets 1 1.04 0.14 0.64 0.42 0.4 2.71
Specific provisions EUR2.9b* JPY222470m AUD180m 0 EUR1654m HKD5609m KRW3712b
As a percentage of impaired assets 42.1 22.86 40.4 0 47 54.1 73.46
11.4 10
4466 46784
13.59 10.6
EUR475089m AUD253671m
17.8 8.2
5 50
0.11 0.1
2 7
31.01 14
EUR4079m AUD671m
0.86 0.3
EUR2085m AUD285m
51 42.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO CBA (NZ) Citibank Deutsche Bank Kookmin
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-05 30-June-05 30-Jun-05 30-Jun-05 30-Jun-05 30-Jun-05 30-Jun-05
Number of months covered by the disclosure statements 6 3 12 6 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-05 31-Mar 30-Jun 30-Jun-05 30-Jun-05 30-Jun-05 31-Dec-04
Number of months covered by the disclosure statements 6 12 12 6 6 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.4 0.2 353 4 204 13.9 1.1
Net profit for previous 12 months as a percentage 1.4 0.12 0.9 0.26 3.3 0.4 1.0
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1882m JPY263476m AUD3991m USD4380m EUR2050m HKD19915m KRW550b
Net profit for previous 12 months as a percentage 0.5 0.29 1.3 1.39 0.32 n/a 0.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA- AA AA- A+ BBB+
Issued by Moody's Aa3 A1 Aa3 Aa1 Aa3 Aa3 A3
Issued by Fitch AA- - AA AA+ AA- AA -
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
banks
Rabobank Westpac
31-Dec 30-Sep
30-Jun-05 30-Jun-05
6 9
31-Dec-04 31-Mar-05
12 6
12.5 466
0.59 1.35
EUR1536m AUD1325m
0.35 1.04
0 0
0 0
0 0
0 1
0 0
0 0
AAA AA-
Aaa Aa3
AA+ AA-
Tier 1 (*1) 9.63 6.86 7.46 8.48 9.1 11.4 6.73
Capital (*2) 12.45 11.83 9.75 12.72 13.6 12.2 11.12
Size
Banking group in NZ:
Total assets (NZ$m) 1208 198 41670 2236 13537 6404 316
Percentage change last 12 months 107.8 4.73 17.8 2.8 4.9 1.9 14.6
Overseas banking group:
Total assets EUR856b JPY93632955m AUD329035m USD704855m EUR964b HKD2582298m KRW182775b
Percentage change last 12 months 35.2 6.78 7.5 8.73 13.5 14.9 -2.17
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 32 0 0 18.6 0
As a percentage of total assets 0 0 0.1 0 0 0.3 0
Specific provisions (NZ$m) 0 0 9 0 0 6.9 0
As a percentage of impaired assets 0 0 26.9 0 0 37.1 0
Overseas banking group:
Impaired assets EUR7b JPY973258m AUD376m USD3972m EUR3516m HKD8874m KRW3595b
As a percentage of total assets 1.0 1.04 0.11 0.56 0.42 0.3 2.0
Specific provisions EUR3b JPY222470m AUD157m 0 EUR1654m HKD7275m KRW3358b
As a percentage of impaired assets 42.1 22.86 41.5 0 47 82.0 93.5
11.4 7.1
11.4 10.0
4671 45684
13.66 7.9
EUR475089m AUD253671m
17.8 8.2
2 57
0.5 0.1
1.9 9
85 15.8
EUR4079m AUD671m
0.86 0.3
EUR2085m AUD285m
51 42.5
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO CBA (NZ) Citibank Deutsche Bank Kookmin
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-05 30-Sep-05 30-Sep-05 30-Sep-05 30-Sep-05 30-Sep-05 30-Sep-05
Number of months covered by the disclosure statements 9 6 3 9 9 9 9
Overseas banking group:
30-Sep-05 or 30-Sep-05 or *31-
End of period covered by the disclosure statement *31-Dec-04 30-Sep-05 30-Jun-05 30-Sep-05 Dec-04 30-Jun-05 31-Dec-04
Number of months covered by the disclosure statements 9 6 12 9 9 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 3.5 0.4 104 5.5 246 21 1.8
Net profit for previous 12 months as a percentage 1.6 0.24 1.0 0.13 2.2 0.4 0.86
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR3086m JPY228506m AUD3991m USD6795m EUR3042m HKD19915m KRW550b
Net profit for previous 12 months as a percentage 0.4 0.25 1.3 1.37 0.36 n/a 0.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA- AA AA- AA- A-
Issued by Moody's Aa3 A1 Aa3 Aa1 Aa3 Aa3 A3
Issued by Fitch AA- - AA AA+ AA- AA -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Rabobank Westpac
31-Dec 30-Sep
30-Sep-05 30-Sep-05
9 12
31-Dec-04 30-Sep-05
12 12
21 611
0.62 1.3
EUR1536m AUD2818m
0.35 1.1
0 0
0 0
0 0
0 0
0 0
0 0
AAA AA-
Aaa Aa3
AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 9.67 5.75 7.5 8.45 9.0 11.4 6.73
Capital (*2) 12.36 11.17 9.8 12.65 13.9 12.2 11.12
Size
Banking group in NZ:
Total assets (NZ$m) 981 171 42663 2522 11584 6531 333
Percentage change last 12 months 66 -8.56 14.1 11.55 -42.0 2.6 23.54
Overseas banking group:
Total assets EUR899b* JPY91386844m AUD329035m USD704616m EUR972b* HKD2582298m KRW182775b
Percentage change last 12 months 41.1* -4.11 7.5 8.18 15.0* 14.9 -2.17
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 2 0 0 17 0
As a percentage of total assets 0 0 0 0 0 0.3 0
Specific provisions (NZ$m) 0 0 1 0 0 7 0
As a percentage of impaired assets 0 0 50 0 0 39.9 0
Overseas banking group:
Impaired assets EUR7b* JPY815299m AUD376m USD2570m EUR3516m* HKD8874m KRW3595b
As a percentage of total assets 1.0 0.89 0.1 0.36 0.42 0.3 2
Specific provisions EUR2.9b* JPY170413m AUD157m 0 EUR1654m* HKD7275m KRW3358b
As a percentage of impaired assets 42.1 20.9 41.8 0 47 82 93.5
11.4 7.2
11.4 9.7
4599 45050
7.23 6.0
EUR475089m AUD259753m
17.8 6.0
2.27 80
0.05 0.2
1.87 20
82.14 25.0
EUR4079m AUD489m
0,86 0.2
EUR2085m AUD199m
51.0 40.7
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bank of Tokyo- Hongkong and
ABN AMRO CBA (NZ) Citibank Deutsche Bank Kookmin
Mit Shanghai
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-05 31-Dec-05 31-Dec-05 31-Dec-05 31-Dec-05 31-Dec-05 31-Dec-05
Number of months covered by the disclosure statements 12 9 6 12 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-05 30-Sep-05 31-Dec-05 31-Dec-05 31-Dec-05 31-Dec-05 31-Dec-04
Number of months covered by the disclosure statements 12 6 6 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 4.8 1 211 24.6 276 24 2.4
Net profit for previous 12 months as a percentage 0.5 0.42 1 1.0 2.7 0.4 0.8
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR4382m JPY228506m AUD1999m USD8830m EUR3529m HKD37198m KRW550b
Net profit for previous 12 months as a percentage 0.5 0.25 1.1 1.3 0.4 1.4 0.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA- AA AA- AA- A-
Issued by Moody's Aa3 A1 Aa3 Aa1 Aa3 Aa3 A3
Issued by Fitch AA- - AA AA+ AA- AA -
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 10.62 5,75 7.5 8.41 8.7 11.7 6.73
orated banks
Rabobank Westpac
31-Dec 30-Sep
31-Dec-05 31-Dec-05
12 3
31-Dec-04 30-Sep-05
12 12
27 169
0.6 1.4
EUR1536m AUD2818m
0.35 1.1
0 0
0 0
0 0
0 0
0 0
0 0
AAA AA-
Aaa Aa3
AA+ AA-
11.4 7.2
Capital (*2) 13.14 11.17 9.8 12.55 13.5 12.4 11.12
Size
Banking group in NZ:
Total assets (NZ$m) 963 348 44727 2612 5884 6481 372
Percentage change last 12 months 13.5 88.67 13.5 23.8 -59.1 4.9 45.8
Overseas banking group:
Total assets EUR880.8b JPY91386844m AUD351193m USD706497m EUR992b HKD2672532m KRW182775b
Percentage change last 12 months 21.1 -4.11 4.1 1.7 18.1 7.5 -2.17
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 11 0 0 13 0
As a percentage of total assets 0 0 0 0 0 0.2 0
Specific provisions (NZ$m) 0 0 2 0 0 8 0
As a percentage of impaired assets 0 0 18.2 0 0 57 0
Overseas banking group:
Impaired assets EUR7b JPY815296m AUD396m USD24540m EUR2576m HKD6999m KRW3595b
As a percentage of total assets 1.0 0.9 0.1 0.35 0.3 0.3 2
Specific provisions EUR2.9b JPY170413m AUD179m 0 EUR1230m HKD6576m KRW3358b
As a percentage of impaired assets 42.1 20.9 45.2 0 48 94 93.5
11.4 9.7
4956 48463
14.24 6.9
EUR475089m AUD259753m
17.8 6
0.67 70
0.01 0.1
0.61 17
95.9 24.3
EUR4079m AUD489m
0.86 0.2
EUR2085m AUD199m
51.0 40.7
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin Rabobank Westpac
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-06 31-Mar-06 31-Mar-06 31-Mar-06 31-Mar-06 31-Mar-06 31-Mar-06 31-Mar-06 31-Mar-06
Number of months covered by the disclosure statements 3 12 9 3 3 3 3 3 6
Overseas banking group:
31-Mar-06 or 31-Mar-06 or
End of period covered by the disclosure statement *31-Dec-05 31-Mar-06 31-Dec-05 31-Mar-06 *31-Dec-05 31-Dec-05 31-Dec-04 31-Dec-05 31-Mar-06
Number of months covered by the disclosure statements 3 12 6 3 3 12 12 12 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.9 1.4 314 4.9 80 7.7 0.8 1.3 333
Net profit for previous 12 months as a percentage 0.6 0.5 0.9 1.05 2.1 0.3 0.7 0.3 1.3
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1038m JPY484147m AUD1999m USD2778m EUR1710m HKD37198m KRW550b EUR2083m AUD1469m
Net profit for previous 12 months as a percentage 0.5 0.4 1.1 1.31 0.4 1.4 0.3 0.4 1.1
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA- AA AA- AA- A- AAA AA-
Issued by Moody's Aa3 A1 Aa3 Aa1 Aa3 Aa3 A3 Aaa Aa3
Issued by Fitch AA- - AA AA+ AA- AA - AA+ AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 8.07 7.05 7.5 8.25 8.8 11.7 6.73 11.6 6.8
Capital (*2) 10.42 12.48 9.8 12.35 13.4 12.4 11.12 11.8 9.7
Size
Banking group in NZ:
Total assets (NZ$m) 1091 368 47544 2628 6971 7422 486 5685 54064
Percentage change last 12 months -18.2 85.9 17.5 -5.75 -59.6 15.6 80.2 26.1 16.9
Overseas banking group:
Total assets EUR975.1b JPY160772959m AUD351193m USD749335m EUR1035b HKD2672532m KRW182775b EUR506234m AUD291879m
Percentage change last 12 months 27 71.7 4.1 9.5 14.8 7.5 -2.17 4.7 11.9
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 1 0 0 11 0 1 52
As a percentage of total assets 0 0 0 0 0 0.1 0 0.02 0.1
Specific provisions (NZ$m) 0 0 1 0 0 8 0 0.6 12
As a percentage of impaired assets 0 0 100 0 0 73.6 0 64.9 23
Overseas banking group:
Impaired assets EUR2.8b* JPY1774277m AUD396m USD2270m EUR2576m* HKD6999m KRW3595b EUR4814m AUD471m
As a percentage of total assets 0.3 1.1 0.1 0.3 0.3 0.3 2 1.0 0.2
Specific provisions EUR2.1b* JPY320453m AUD179m 0 EUR1230m* HKD6576m KRW3358b EUR2438m AUD231m
As a percentage of impaired assets 76.7 18.1 45.2 0 48 94 93.5 51 49
Last updated 3 August 2006
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin Rabobank Westpac
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-06 30-Jun-06 30-Jun-06 30-Jun-06 30-Jun-06 30-Jun-06 30-Jun-06 30-Jun-06 30-Jun-06
Number of months covered by the disclosure statements 6 3 12 6 6 6 6 6 9
Overseas banking group:
30-Jun-06 30-Jun-06 *31-
End of period covered by the disclosure statement 31-Mar-06 30-Jun-06 30-Jun-06 Dec-05 30-Jun-06 31-Dec-05 31-Dec-05 31-Mar-06
Number of months covered by the disclosure statements 6 12 12 6 6 6 12 12 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 6 0.34 424 6 243 13 2 20.33 487
Net profit for previous 12 months as a percentage 1.0 0.1 0.9 1.0 3.3 0.4 0.8 0.7 1.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2219m JPY484147m AUD3928m USD5308m EUR2936m HKD20947m KRW2252b EUR2083m AUD1469m
Net profit for previous 12 months as a percentage 0.5 0.4 1.1 1.3 0.4 1.4 1.3 0.4 1.1
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA- AA AA- AA- A- AAA AA-
Issued by Moody's Aa3 A1 Aa3 Aaa Aa3 Aa2 A3 Aaa Aa3
Issued by Fitch AA- - AA AA+ AA- AA - AA+ AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 8.2 7.05 7.6 8.25 8.7 12.1 9.67 11.6 6.8
Capital (*2) 10.8 12.48 9.7 12.44 12.9 13.1 12.95 11.8 9.7
Size
Banking group in NZ:
Total assets (NZ$m) 1107 320 48511 2901 5381 6906 451 5743 50950
Percentage change last 12 months -8.4 62.0 16.4 29.8 -60.2 7.8 42.6 22.2 10.7
Overseas banking group:
Total assets EUR986b JPY160772959m AUD369103m USD777345m EUR1058b HKD2897825m KRW179594b EUR506234m AUD291879
Percentage change last 12 months 15.2 71.7 9.4 10.3 9.8 12.3 -0.03 4.7 11.9
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 5 0 0 12.1 0 1.2 56
As a percentage of total assets 0 0 0 0 0 0.2 0 0 0.1
Specific provisions (NZ$m) 0 0 1 0 0 9.4 0 0.7 14
As a percentage of impaired assets 0 0 20 0 0 77.7 0 53.2 25.0
Overseas banking group:
Impaired assets EUR2.8b JPY1774277m AUD326m USD2422m EUR2567m* HKD8224m KRW2297b EUR4814m AUD471m
As a percentage of total assets 0.3 1.1 0.1 0.3 0.3 0.3 1.3 1.0 0.2
Specific provisions EUR2.1b JPY320453m AUD171m 0 EUR1230m* HKD7071m KRW2453b EUR2438m AUD231m
As a percentage of impaired assets 76.7 18.1 52.5 0 48 86.0 106.8 51.0 49.0
Last updated 26 October 2006
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-06 30-Sep-06 30-Sep-06 30-Sep-06 30-Sep-06 30-Sep-06 30-Sep-06
Number of months covered by the disclosure statements 9 6 3 9 9 9 9
Overseas banking group:
30-Sep-06 or 30-Sep-06 or
End of period covered by the disclosure statement *31-Dec-05 30-Sep-06 30-Jun-06 30-Sep-06 *31-Dec-05 30-Jun-06 31-Dec-05
Number of months covered by the disclosure statements 9 6 12 9 9 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 8 0.7 116 8 177 20 2.5
Net profit for previous 12 months as a percentage 0.8 0.2 0.9 1.0 2.4 0.4 0.8
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR3356m JPY431149m AUD3928m USD7579m EUR4172m HKD20947m KRW2252b
Net profit for previous 12 months as a percentage 0.2 0.4 1.1 1.3 0.5 1.4 1.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA- AA AA- AA- A-
Issued by Moody's Aa3 A1 Aa3 Aaa Aa3 Aa2 A3
Issued by Fitch AA- - AA AA+ AA- AA -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Rabobank Westpac
31-Dec 30-Sep
30-Sep-06 30-Sep-06
9 12
31-Dec-05 30-Sep-06
12 12
32 639
0.7 1.2
EUR2083m AUD3071m
0.4 1.1
0 0
0 0
0 0
0 0
0 0
0 0
AAA AA-
Aaa Aa3
AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 8.04 6.97 7.6 8.35 8.9 12.1 9.67
Capital (*2) 10.85 12.15 9.7 12.50 13 13.1 12.95
Size
Banking group in NZ:
Total assets (NZ$m) 1218 421 50406 2720 5702 6532 424
Percentage change last 12 months 24.0 145.7 18.2 7.9 -51 0.1 27.3
Overseas banking group:
Total assets EUR999b JPY154723925m AUD369103m USD816362m EUR1097b HKD2897825m KRW179594b
Percentage change last 12 months 11.1 69.3 9.4 15.9 12.8 12.3 -0.03
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 7 0 0 10.9 0
As a percentage of total assets 0 0 0 0 0 0.2 0
Specific provisions (NZ$m) 0 0 2 0 0 8.9 0
As a percentage of impaired assets 0 0 28.6 0 0 82 0
Overseas banking group:
Impaired assets EUR2.8b* JPY1344359m AUD326m USD2364m EUR2576m* HKD8224m KRW2297b
As a percentage of total assets 0.3 0.9 0.1 0.3 0.3 0.3 1.3
Specific provisions EUR2.1b* JPY219734m AUD171m 0 EUR1230m* HKD7071m KRW2453b
As a percentage of impaired assets 76.7 16.3 52.5 0 48 86 106.8
Last updated 25 January 2007
11.6 6.9
11.8 9.5
5480 52136
18.2 15.0
EUR506234m AUD299578m
4.7 12.5
7.1 66
0.1 0.1
0.6 14
8.2 21.2
EUR4814m AUD521m
1 0.2
EUR2438m AUD361m
51 69.3
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-06 31-Dec-06 31-Dec-06 31-Dec-06 31-Dec-06 31-Dec-06 31-Dec-06
Number of months covered by the disclosure statements 12 9 6 12 12 12 12
Overseas banking group:
31-Dec-06 or 31-
End of period covered by the disclosure statement Dec-05* 30-Sep-06 31-Dec-06 31-Dec-06 31-Dec-06 31-Dec-06 31-Dec-05
Number of months covered by the disclosure statements 12 6 6 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 12 2.3 247 8.4 175 28.7 3
Net profit for previous 12 months as a percentage 1.1 0.5 0.9 0.3 2.9 0.4 0.9
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR4780m JPY431149m AUD2191m USD9338m EUR5986m HKD42605m KRW2252b
Net profit for previous 12 months as a percentage 0.5 0.4 1.1 1.15 0.6 1.5 1.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% 0 0 0 0 0 0 0
20-30% 0 0 0 0 0 0 0
>30% 0 0 0 0 0 0 0
Bank counterparties:
10-50% 0 0 0 0 0 0 0
50-100% 0 0 0 0 0 0 0
>100% 0 0 0 0 0 0 0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A AA AA+ AA- AA A-
Issued by Moody's Aa1 A1 Aa3 Aaa Aa3 Aa2 A3
Issued by Fitch AA- - AA AA+ AA- AA -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Rabobank Westpac
31-Dec 30-Sep
31-Dec-06 31-Dec-06
12 3
31-Dec-06 30-Sep-06
12 12
46 144
0.8 1.4
EUR2345m AUD3071m
0.4 1.1
0 0
0 0
0 0
0 0
0 0
0 0
AAA AA-
Aaa Aa3
AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 8.45 6.97 7.1 8.32 8.9 12.3 9.67
Capital (*2) 11.14 12.15 9.8 12.39 12.8 13.5 12.95
Size
Banking group in NZ:
Total assets (NZ$m) 1162 517.7 53177 3179 6020 6482 386
Percentage change last 12 months 20.7 48.6 18.9 21.73 2.3 0 3.8
Overseas banking group:
Total assets EUR987b JPY154723925m AUD397261m USD1019497m EUR1126b HKD3150840m KRW179594b
Percentage change last 12 months 12.1 69.3 7.6 44.3 13.5 17.9 -0.03
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 0 0 3 0 0 11.3 0
As a percentage of total assets 0 0 0 0 0 0.1 0
Specific provisions (NZ$m) 0 0 2 0 0 6.6 0
As a percentage of impaired assets 0 0 66.7 0 0 58.4 0
Overseas banking group:
Impaired assets EUR2.8b* JPY1334359m AUD338m USD3174m EUR2024m HKD8601m KRW2297b
As a percentage of total assets 0.3 0.9 0.1 0.31 0.2 0.3 1.3
Specific provisions EUR2.1b* JPY219734m AUD171m 0 EUR1068m HKD6843m KRW2453b
As a percentage of impaired assets 76.7 16.3 50.6 0 53 79.6 106.8
Last updated 26 April 2007
10.7 6.9
11.0 9.5
5735 58752
15.5 21.3
EUR556455m AUD299578m
9.9 12.5
6 63
0.1 0.1
0.6 16
9.1 25.4
EUR4355m AUD521m
0.8 0.2
EUR2333m AUD361m
54 69.3
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-07 31-Mar-07 31-Mar-07 31-Mar-07 31-Mar-07 31-Mar-07 31-Mar-07
Number of months covered by the disclosure statements 3 12 9 3 3 3 3
Overseas banking group:
31-Mar-07 *31- 31-Mar-07 *31-
End of period covered by the disclosure statement Dec-06 31-Mar-07 31-Dec-06 31-Mar-07 Dec-06 31-Dec-06 31-Dec-05
Number of months covered by the disclosure statements 3 12 6 3 3 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.9 4 382 2.7 -18 9.1 0.7
Net profit for previous 12 months as a percentage 0.8 0.7 1.0 0.3 -0.4 0.4 0.7
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR1064m JPY744484m AUD2191m USD2155m EUR2132m HKD42605m KRW2252b
Net profit for previous 12 months as a percentage 0.5 0.5 1.1 1.0 0.5 1.5 1.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA+ AA- AA A
Issued by Moody's Aa2 Aa2 Aa1 Aaa Aa3 Aa2 A3
Issued by Fitch AA- .. AA AA+ AA- AA ..
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Rabobank Westpac
31-Dec 30-Sep
31-Mar-07 31-Mar-07
3 6
31-Dec-06 31-Mar-07
12 6
19 307
1.1 1.4
EUR2345m AUD1641m
0.4 1.0
- -
- -
- -
- -
- -
- -
AAA AA
Aaa Aa3
AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 8.44 7.71 7.1 8.13 8.7 12.3 9.67
Capital (*2) 11.3 12.83 9.8 12.05 12.2 13.5 12.95
Size
Banking group in NZ:
Total assets (NZ$m) 955 660 54965 2888 7612 7025 446
Percentage change last 12 months -13.2 79.3 15.6 10.1 9.2 -5.3 -8.2
Overseas banking group:
Total assets EUR1055b JPY155863048m AUD397261m USD1076949m EUR1747b HKD3150840m KRW179594b
Percentage change last 12 months 8.2 -3.1 7.6 43.7 68.8 17.9 -0.03
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 2 - - 13.7 -
As a percentage of total assets - - 0.0 - - 0.2 -
Specific provisions (NZ$m) - - 2 - - 6.6 -
As a percentage of impaired assets - - 100 - - 48.0 -
Overseas banking group:
Impaired assets EUR7.3b* JPY1362100m AUD338m USD3475m EUR2024m* HKD8601m KRW2297b
As a percentage of total assets 0.7 0.9 0.1 0.3 0.2* 0.3 1.3
Specific provisions EUR3.7b JPY344556m AUD171m - EUR1068m* HKD855m KRW2453b
As a percentage of impaired assets 50.1 25.3 50.6 - 53* 80.0 106.8
10.7 6.5
11.0 9.4
5873 58936
3.3 9.0
EUR556455m AUD328117m
9.9 12.4
7 67
0.1 0.1
0.4 17
5.9 25.4
EUR4355m AUD440m
0.8 0.1
EUR2333m AUD281m
54 63.9
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-07 30-Jun-07 30-Jun-07 30-Jun-07 30-Jun-07 30-Jun-07 30-Jun-07
Number of months covered by the disclosure statements 6 3 12 6 6 6 6
Overseas banking group:
30-Jun-07 or
End of period covered by the disclosure statement 30-Jun-07 31-Mar-07 30-Jun-07 30-Jun-07 30-Jun-07 31-Dec-06
*31-Dec-06
Number of months covered by the disclosure statements 6 12 12 6 6 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 16 1 565 6.4 -9 19 1.7
Net profit for previous 12 months as a percentage 1.3 0.2 1.1 0.3 -0.4 0.5 0.8
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2,165m JPY744b AUD4,470m USD5,202m EUR3,909m HKD32,599m KRW2,427b
Net profit for previous 12 months as a percentage 0.4 0.5 1.1 1.0 0.5 1.7 1.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA+ AA AA A
Issued by Moody's Aa2 Aa2 Aa1 Aaa Aa1 Aa2 A2
Issued by Fitch AA- .. AA AA+ AA- AA ..
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Rabobank Westpac
31-Dec 30-Sep
30-Jun-07 30-Jun-07
6 9
31-Dec-06 31-Mar-07
12 6
43 472
0.7 1.1
EUR2,345m AUD1,641m
0.4 1.0
- -
- -
- -
- -
- -
- -
AAA AA
Aaa Aa1
AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 8.17 7.71 7.1 8.21 8.4 8.3 10.07
Capital (*2) 10.52 12.83 9.8 12.24 11.8 11.2 14.17
Size
Banking group in NZ:
Total assets (NZ$m) 1,781 578 58,532 3,423 8,455 6,567 377
Percentage change last 12 months 60.9 80.4 20.7 18.2 57.1 -4.9 -16.5
Overseas banking group:
Total assets EUR1,120b JPY155,863b AUD425b USD1,133b EUR1,938b HKD3,569b KRW195,207b
Percentage change last 12 months 13.6 -3.1 15.2 45.7 83.2 23.2 8.7
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 10 - - 14 -
As a percentage of total assets - - 0.0 - - 0.2 -
Specific provisions (NZ$m) - - 7 - - 7 -
As a percentage of impaired assets - - 70.0 - - 48.7 -
Overseas banking group:
Impaired assets EUR7.3b JPY1,362b AUD421m USD4,001m EUR2,024m* HKD9,236m KRW1,575b
As a percentage of total assets 0.7 0.9 0.1 0.4 0.2* 0.3 1.0
Specific provisions EUR3.7b JPY345b AUD199m - EUR1,068m* HKD6,965m KRW2,374b
As a percentage of impaired assets 50.1 25.3 47.3 - 53 75.4 150
10.70 6.5
11.00 9.4
6,204 62,804
8.0 23.3
EUR556b AUD328b
9.9 12.4
6 72
0.1 0.1
0.5 17
8.0 23.6
EUR4,355m AUD440m
0.8 0.1
EUR2,333m AUD281m
54 63.9
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC Kookmin
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-07 30-Sep-07 30-Sep-07 30-Sep-07 30-Sep-07 30-Sep-07 30-Sep-07
Number of months covered by the disclosure statements 9 6 3 9 9 9 9
Overseas banking group:
30-Jun-07 or 31- 30-Jun-07 or 31-
End of period covered by the disclosure statement Dec-06* 30-Sep-07 30-Jun-07 30-Sep-07 Dec-06* 30-Jun-07 31-Dec-06
Number of months covered by the disclosure statements 6 6 12 9 9 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 17.7 1.8 564 11.9 17 28 2.4
Net profit for previous 12 months as a percentage 1.3 0.4 1.0 0.5 0.6 0.6 0.7
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2,165m JPY164b AUD4,470m USD6,821m EUR5,540m HKD32,599m KRW2,427b
Net profit for previous 12 months as a percentage 0.4 0.1 1.1 0.8 0.5 1.7 1.3
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA+ AA AA A
Issued by Moody's Aa2 Aa2 Aa1 Aaa Aa1 Aa2 A2
Issued by Fitch AA- - AA AA AA- AA -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Rabobank Westpac
31-Dec 30-Sep
30-Sep-07 30-Sep-07
9 12
31-Dec-06 30-Sep-07
12 12
44 646
1.0 1.1
EUR2,345m AUD3,451m
0.4 1.0
- -
- -
- -
- -
- -
- -
AAA AA
Aaa Aa1
AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 8.17 7.86 7.1 8.22 8.8 8.3 10.07
Capital (*2) 10.52 13.0 9.8 12.30 12.0 11.2 14.17
Size
Banking group in NZ:
Total assets (NZ$m) 1,826 608 59,471 3,543 5,950 6,386 406
Percentage change last 12 months 49.9 44.5 18.0 30.4 4.4 -2.2 -4.2
Overseas banking group:
Total assets EUR1,120b JPY153,278b AUD425,139m USD1,233b EUR1,879b HKD3,569b KRW195,207b
Percentage change last 12 months 13.6 -0.9 15.2 51.1 71.4 23.2 8.7
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 8 - - 11 -
As a percentage of total assets - - 0.0 - - 0.2 -
Specific provisions (NZ$m) - - 6 - - 7 -
As a percentage of impaired assets - - 75.0 - - 61 -
Overseas banking group:
Impaired assets EUR7.3b* JPY1,274b AUD421m USD5,687m EUR2,024m* HKD9,236m KRW1,575b
As a percentage of total assets 0.7 0.8 0.1 0.5 0.2 0.3 1.0
Specific provisions EUR3.7b * JPY385b AUD199m - EUR1,068m* HKD6,965m KRW2,375b
As a percentage of impaired assets 50.1 30.2 47.3 - 53 75 150.8
10.70 6.5
11.00 9.5
6,452 64,707
17.7 24.1
EUR556b AUD374b
9.9 25.1
4 118
0.1 0.2
0.3 26
6.7 22.0
EUR4,355m AUD540m
0.8 0.1
EUR2,333m AUD266
54 49.3
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-07 31-Dec-07 31-Dec-07 31-Dec-07 31-Dec-07 31-Dec-07 31-Dec-07
Number of months covered by the disclosure statements 12 9 6 12 12 12 12
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-07 30-Sep-07 31-Dec-07 31-Dec-07 31-Dec-07 31-Dec-07 31-Dec-07
Number of months covered by the disclosure statements 12 6 6 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 19 2.8 259 12 -2 36 2.0
Net profit for previous 12 months as a percentage 1.3 0.5 1.0 0.4 -0.3 0.6 8.3
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR9,975m JPY164b AUD2,371m USD2,304m EUR6,510m HKD65,305m USD10,732m
Net profit for previous 12 months as a percentage 1.0 0.1 1.1 0.2 0.4 1.8 0.8
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA AA AA AA
Issued by Moody's Aa2 Aa2 Aa1 Aa1 Aa1 Aa1 Aaa
Issued by Fitch AA- .. AA AA AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 12.42 7.86 7.0 8.98 8.6 8.8 8.3
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Dec-07 31-Dec-07 31-Dec-07
12 12 3
31-Dec-06 31-Dec-07 30-Sep-07
12 12 12
3 61 146
0.8 1.0 1.0
KRW2,427b EUR2,662m AUD3,451m
1.3 0.5 1.0
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. AA+ AA-
10.07 10.70 6.5
Capital (*2) 14.61 13.01 10.0 13.33 11.6 11.6 11.8
Size
Banking group in NZ:
Total assets (NZ$m) 1,671 569 61,911 3,531 5,560 6,170 25
Percentage change last 12 months 42.7 9.8 16.4 11.3 -7.8 -4.8 4.0
Overseas banking group:
Total assets EUR1,025b JPY153,278b AUD454,549m USD1,252b EUR2,020b HKD3,952b USD1,319b
Percentage change last 12 months 3.9 -0.9 14.4 22.8 27.5 25.4 11.8
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 12 - - 15 -
As a percentage of total assets - - 0.0 - - 0.2 -
Specific provisions (NZ$m) - - 8 - - 6 -
As a percentage of impaired assets - - 66.7 - - 43.0 -
Overseas banking group:
Impaired assets EUR4b JPY1,274b AUD562m USD8,522m EUR2,645m HKD8,383m USD6,608m
As a percentage of total assets 0.4 0.8 0.1 0.7 0.1 0.2 0.5
Specific provisions EUR3b JPY385b AUD268m - EUR1,705m HKD7,260m USD7,015m
As a percentage of impaired assets 78.9 30.2 47.7 - 64 86.6 106.2
14.17 10.90 9.5
387 6,700 64,430
0.7 16.8 9.7
KRW195,207b EUR571b AUD374,821m
8.7 2.5 25.1
- 4 136
- 0.1 0.2
- 0.5 36
- 11.4 26.5
KRW1,575b EUR4,198m AUD540m
1.0 0.7 0.1
KRW2,375b EUR2,355m AUD266m
150.8 56 49.3
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-08 31-Mar-08 31-Mar-08 31-Mar-08 31-Mar-08 31-Mar-08 31-Mar-08
Number of months covered by the disclosure statements 3 12 9 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-07 31-Mar-08 31-Dec-07 31-Mar-08 31-Mar-08 31-Dec-07 31-Mar-08
Number of months covered by the disclosure statements 12 12 6 3 3 12 3
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 0.5 3.7 409 8 13 8.8 0.4
Net profit for previous 12 months as a percentage 0.0 0.6 1.0 0.5 0.4 0.5 5.6
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR9,975m JPY591b AUD2,371m -USD881m -EUR141m HKD65b USD2,134m
Net profit for previous 12 months as a percentage 1.0 0.4 0.6 -0.1 0.2 1.8 0.8
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA AA AA AA
Issued by Moody's Aa2 Aa2 Aa1 Aa1 Aa1 Aa1 Aaa
Issued by Fitch AA- .. AA AA- AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 12.42 7.48 7.3 8.59 9.2 8.8 8.2
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Mar-08 31-Mar-08 31-Mar-08
3 3 6
31-Dec-07 31-Dec-07 31-Mar-08
12 12 6
0.9 -7 352
0.9 0.5 1.1
KRW2,774b EUR2,662 AUD2,202m
1.3 0.5 1.0
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. AA+ AA-
9.74 10.7 7.4
Capital (*2) 14.61 11.28 9.7 12.88 11.6 11.6 12.0
Size
Banking group in NZ:
Total assets (NZ$m) 1,554 643 64,141 3,336 7,094 6,324 26
Percentage change last 12 months 65.5 -2.4 16.7 15.5 -6.8 -10.0 8.3
Overseas banking group:
Total assets EUR1,025b JPY155,802b AUD454,549m USD1,293b EUR2,305b HKD3,952b USD1,408b
Percentage change last 12 months 3.9 -0.0 14.4 20.0 31.9 25.4 15.0
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 27 - - 14 -
As a percentage of total assets - - 0.0 - - 0.2 -
Specific provisions (NZ$m) - - 13 - - 9 -
As a percentage of impaired assets - - 48.1 - - 63.0 -
Overseas banking group:
Impaired assets EUR3b JPY1,180b AUD562m USD9,933m EUR2,709m HKD8,383m USD7,280m
As a percentage of total assets 0.3 0.8 0.1 0.8 0.1 0.2 0.5
Specific provisions EUR1.3b JPY278b AUD268m - EUR1,667m HKD7,260m USD9,484m
As a percentage of impaired assets 43 23.6 47.7 - 62 86.6 130.3
12.62 10.9 10.1
345 7,338 64,886
-28.6 24.7 10.1
KRW218,866b EUR571b AUD401,717m
12.1 2.5 22.7
- 2.4 138
- 0.0 0.2
- 0.6 30
- 26.5 21.7
KRW1,314b EUR4,198m AUD956m
0.7 0.7 0.2
KRW2.536b EUR1,426m AUD423m
193.0 34 44.2
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-08 30-Jun-08 30-Jun-08 30-Jun-08 30-Jun-08 30-Jun-08 30-Jun-08
Number of months covered by the disclosure statements 6 3 12 6 6 6 6
Overseas banking group:
End of period covered by the disclosure statement 31-Dec-07 31-Mar-08 30-Jun-08 30-Jun-08 30-Jun-08 30-Jun-08 30-Jun-08
Number of months covered by the disclosure statements 12 12 12 6 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 4 1.3 490 13 9 17.5 1
Net profit for previous 12 months as a percentage 0.4 0.7 0.8 0.5 0.2 0.5 8.1
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR9,975m JPY591b AUD4,822m -USD1,803m EUR504m HKD31b USD4,230m
Net profit for previous 12 months as a percentage 1.0 0.4 1.0 -0.4 0.2 1.7 0.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA AA- AA AA
Issued by Moody's Aa2 Aa2 Aa1 Aa1 Aa1 Aa1 Aaa
Issued by Fitch AA- .. AA AA- AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 12.42 7.48 8.4 8.92 9.3 9.9 8.2
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Jun-08 30-Jun-08 30-Jun-08
6 6 9
31-Dec-07 31-Dec-07 31-Mar-08
12 12 6
1.8 -8 535
8.0 0.1 1.0
KRW2,774b EUR2,662m AUD2,202m
1.3 0.5 1.0
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. .. AA-
9.74 10.7 7.4
Capital (*2) 14.61 11.28 10.3 13.36 12.1 12.7 12
Size
Banking group in NZ:
Total assets (NZ$m) 1,381 678 66,323 4,410 4,419 6,363 27
Percentage change last 12 months -22.5 17.2 13.3 28.8 -47.7 -3.1 12.4
Overseas banking group:
Total assets EUR1,025b JPY155,802b AUD487,572m USD1,228b EUR1,991b HKD4,125b USD1,378b
Percentage change last 12 months 3.9 0.0 10.8 8.4 2.7 15.6 10.1
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 30 - - 32 -
As a percentage of total assets - - 0.1 - - 0.5 -
Specific provisions (NZ$m) - - 22 - 1 8 -
As a percentage of impaired assets - - 73.3 - - 24.0 -
Overseas banking group:
Impaired assets EUR3b JPY1,180b AUD683m USD10,999m EUR2,546m HKD12b USD7,890m
As a percentage of total assets 0.3 0.8 0.1 0.9 0.1 0.3 0.6
Specific provisions EUR1.3b JPY279b AUD367m - EUR847m HKD2b USD10,740m
As a percentage of impaired assets 48 23.6 53.7 - 33.3 18.6 136.1
12.62 10.9 10.1
424 7,289 66,849
12.9 17.5 6.4
KRW218,866b EUR571b AUD401.717m
12.1 2.5 22.7
- 1 199
- 0.0 0.3
- 0.6 38
- 58 19.1
KRW1,314b EUR4,198m AUD956m
0.7 0.7 0.2
KRW2,536b EUR1,425m AUD423m
193 34 44.2
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-08 30-Sep-08 30-Sep-08 30-Sep-08 30-Sep-08 30-Sep-08 30-Sep-08
Number of months covered by the disclosure statements 9 6 3 9 9 9 9
Overseas banking group:
End of period covered by the disclosure statement 30-Jun-08 30-Sep-08 30-Jun-08 30-Sep-08 30-Sep-08 30-Jun-08 30-Sep-08
Number of months covered by the disclosure statements 6 6 12 9 9 6 9
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 7.7 2.8 95 19 22 28 1.3
Net profit for previous 12 months as a percentage 0.5 0.4 0.7 0.5 0.1 0.6 6.4
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2,885m JPY175,142m AUD4,822m -USD1,450m EUR918m HKD30,905m USD6,871m
Net profit for previous 12 months as a percentage 1.1 0.1 1.0 -0.5 0.1 1.7 0.6
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA- A+ AA AA AA- AA AA
Issued by Moody's Aa2 Aa2 Aa1 Aa1 Aa1 Aa1 Aaa
Issued by Fitch AA- .. AA A+ AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 15.81 7.34 8.2 8.86 10.3 9.9 7.9
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Sep-08 30-Sep-08 30-Sep-08
9 9 12
31-Dec-07 31-Dec-07 30-Sep-08
12 12 12
3.1 -27.7 682
0.9 -0.14 1.0
KRW2,774b EUR2,662m AUD3,859m
1.3 0.5 1.0
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. AA+ AA-
9.74 10.7 6.5
Capital (*2) 19.23 10.64 11.6 13.38 12.7 12.7 11.4
Size
Banking group in NZ:
Total assets (NZ$m) 1,747 1,022 69,907 3,084 4,420 5,998 27
Percentage change last 12 months -4.3 68.4 17.5 -13.0 -25.7 -6.1 8.1
Overseas banking group:
Total assets EUR913b JPY155,120b AUD487,572m USD1,207b EUR2,061b HKD4,125b USD1,769b
Percentage change last 12 months -18.5 1.2 10.8 -2.1 9.7 15.6 42.2
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 47 - - 41 -
As a percentage of total assets - - 0.1 - - 0.7 -
Specific provisions (NZ$m) - - 20 - - 9 -
As a percentage of impaired assets - - 42.6 - - 21.0 -
Overseas banking group:
Impaired assets EUR2.7b JPY1,190b AUD683m USD12,829m EUR2,787m HKD11,693m USD16,226m
As a percentage of total assets 0.3 0.8 0.1 1.1 0.1 0.3 0.9
Specific provisions EUR1.3b JPY273b AUD367m - EUR828m HKD2,171m USD16,380m
As a percentage of impaired assets 48 23.0 53.7 - 29.7 18.6 101
12.62 10.9 9.5
509 7,738 70,872
25.2 19.9 9.7
KRW218,866b EUR571b AUD439,548m
12.1 2.5 17.3
- 28 278
- 0.4 0.4
- 0.4 66
- 1.4 23.7
KRW1,314b EUR4,198m AUD1,065m
0.7 0.7 0.2
KRW2,536b EUR1,426m AUD413m
193 34 38.8
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ABN AMRO CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 31-Dec 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-08 31-Dec-08 31-Dec-08 31-Dec-08 31-Dec-08 31-Dec-08 31-Dec-08
Number of months covered by the disclosure statements 12 9 6 12 12 12 12
Overseas banking group:
30-Jun-08 or 31-
End of period covered by the disclosure statement Dec-07* 30-Sep-08 31-Dec-08 31-Dec-08 31-Dec-08 31-Dec-08 31-Dec-08
Number of months covered by the disclosure statements 6 6 6 12 12 12 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 10 4.5 213 36 58 40 1
Net profit for previous 12 months as a percentage 0.6 0.7 0.6 1.0 1.2 0.6 1.7
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items EUR2,855m JPY175b AUD2,573m -USD6,215m -EUR3,896m HKD54,980m USD10,419m
Net profit for previous 12 months as a percentage 1.1 0.1 0.9 -0.5 -0.2 1.3 0.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's A+ A+ AA A+ A+ AA AA-
Issued by Moody's Aa2 Aa2 Aa1 A1 Aa1 Aa1 Aa1
Issued by Fitch AA- .. AA A+ AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Dec-08 31-Dec-08 31-Dec-08
12 12 3
31-Dec-07 31-Dec-08 30-Sep-08
12 12 12
4.6 -121 220
1.1 -1.6 1.1
KRW2,774b EUR2,754m AUD3,859m
1.3 0.5 1.0
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 15.81 7.34 8.8 9.94 10.1 10.3 8.7
Capital (*2) 19.23 10.64 11.4 15.18 12.2 13.4 12.5
Size
Banking group in NZ:
Total assets (NZ$m) 1,492 1,064 72,647 3,832 3,973 6,190 113
Percentage change last 12 months -10.0 87.2 17.3 8.5 -28.4 0.3 352
Overseas banking group:
Total assets EUR913b JPY155,120b AUD618,761m USD1,227b EUR2,202b HKD4,260b USD1,746b
Percentage change last 12 months -18.5 1.2 30.9 -2.0 14.4 7.8 32.4
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) - - 178 - - 33 -
As a percentage of total assets - - 0.2 - - 0.5 -
Specific provisions (NZ$m) - - 58 - - 12 -
As a percentage of impaired assets - - 32.6 - - 34.7 -
Overseas banking group:
Impaired assets EUR2.7b* JPY1,190b AUD2,714m USD25,938m EUR2,282m HKD13,080m USD25,163m
As a percentage of total assets 0.3* 0.8 0.4 2.1 0.1 0.3 1.4
Specific provisions EUR1.3b* JPY273b AUD1,134m - EUR977m HKD5.033m USD17,153m
As a percentage of impaired assets 48* 23.0 41.8 - 26.5 38.5 68.2
9.74 12.7 9.8
12.62 13.0 11.2
427 8,411 77,725
10.2 25.6 20.6
KRW218,866b EUR612b AUD439,548m
12.1 7.3 17.3
- 172 396
- 2.0 0.5
- 22.3 100
- 12.9 25.3
KRW1,314b EUR6,455m AUD1,065m
0.7 1.1 0.2
KRW2,536b EUR2,357m AUD413m
193 36.5 38.8
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ANZ CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 31-Sep 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-09 31-Mar-09 31-Mar-09 31-Mar-09 31-Mar-09 31-Mar-09 31-Mar-09
Number of months covered by the disclosure statements 6 12 9 3 3 3 3
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-09 31-Mar-09 31-Dec-08 31-Mar-09 31-Mar-09 31-Dec-08 31-Mar-09
Number of months covered by the disclosure statements 6 12 6 3 3 12 3
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 422 6 287 6 54 13.4 0.0
Net profit for previous 12 months as a percentage 0.7 0.7 0.5 1.0 1.7 0.7 0.0
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items AUD1,417m -JPY213,962m AUD2,573m USD1,470m EUR1,182m HKD54,980m USD2,503m
Net profit for previous 12 months as a percentage 0.6 -0.1 0.9 -0.3 -0.1 1.3 0.7
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA A+ AA A+ A+ AA AA-
Issued by Moody's Aa1 Aa2 Aa1 A1 Aa1 Aa1 Aa1
Issued by Fitch AA- .. AA A+ AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 (*1) 8.2 7.64 8.8 14.65 10.2 10.3 9.0
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
31-Mar-09 31-Mar-09 31-Mar-09
3 3 6
31-Dec-08 31-Dec-08 31-Mar-09
12 12 6
2 47.9 239
0.5 0.9 0.9
KRW1,489b EUR2,754m AUD2,175m
0.6 0.5 0.7
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. AA+ AA-
9.92 12.70 8.4
Capital (*2) 11.0 12.02 11.4 18.19 11.7 13.4 12.8
Size
Banking group in NZ:
Total assets (NZ$m) 132,972 1,138 72,812 3,794 4,295 6,088 178
Percentage change last 12 months 18.1 77.0 13.7 13.7 -39.3 -3.7 584
Overseas banking group:
Total assets AUD502,798m JPY160,826b AUD619b USD1,144b EUR2,103b HKD4,260b USD1,688b
Percentage change last 12 months 14.9 3.2 30.9 -11,5 -8.8 7.8 20
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 629 - 355 - - 30 -
As a percentage of total assets 0.5 - 0.5 - - 0.5 -
Specific provisions (NZ$m) 269 - 106 - - 13 -
As a percentage of impaired assets 43.4 - 30.0 - - 43.1 -
Overseas banking group:
Impaired assets AUD4,141m JPY1,166b AUD2,714m USD29,600m EUR3,008m HKD13,080m USD31,331m
As a percentage of total assets 0.8 0.7 0.4 2.6 0.1 0.3 1.9
Specific provisions AUD1,341m JPY230b AUD1,134m - EUR1,263m HKD5,033m USD20,342m
As a percentage of impaired assets 32.4 19.7 41.8 - 27.8 38.5 64.9
13.18 13.00 11.4
406 8,628 77,850
17.4 17.6 20.7
KRW266,460b EUR612b AUD594,230m
20.1 7.4 46.7
- 219 710
- 2.5 0.9
- 22.2 235
- 10.1 33.1
KRW2,648b EUR6,455m AUD3,299m
1.3 1.1 0.6
KRW3,529b EUR2,357m AUD1.416m
133.3 36.5 42.9
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
Bk Tokyo-Mit
ANZ CBA (NZ) Citibank Deutsche Bank HSBC JP Morgan
UFJ
Time period covered
Annual balance date 30-Sep 31-Mar 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-09 30-Jun-09 30-Jun-09 30-Jun-09 30-Jun-09 30-Jun-09 30-Jun-09
Number of months covered by the disclosure statements 9 3 12 6 6 6 6
Overseas banking group:
31-Mar-09 or *30- 30-Jun-09 or *31-
End of period covered by the disclosure statement Jun-09 31-Mar-09 30-Jun-09 30-Jun-09 Dec-08 30-Jun-09 30-Jun-09
Number of months covered by the disclosure statements 6 12 12 6 6 6 6
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 478 2.5 379 14 78 26 0.0
Net profit for previous 12 months as a percentage 0.5 0.7 0.5 1.0 3.1 0.8 0.2
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items AUD1,417m -JPY213,962m AUD4,723m -USD1,477m EUR2,255m HKD24,443m USD3,959m
Net profit for previous 12 months as a percentage 0.6 -0.1 0.9 -0.5 -0.1 1.1 0.6
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - - - - - -
20-30% - - - - - - -
>30% - - - - - - -
Bank counterparties:
10-50% - - - - - - -
50-100% - - - - - - -
>100% - - - - - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA A+ AA A+ A+ AA AA-
Issued by Moody's Aa1 Aa2 Aa1 A1 Aa1 Aa1 Aa1
Issued by Fitch AA- .. AA A+ AA- AA AA-
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks
Kookmin Rabobank Westpac
31-Dec 31-Dec 30-Sep
30-Jun-09 30-Jun-09 30-Jun-09
6 6 9
31-Mar-09 or *30-
31-Dec-08 31-Dec-08 Jun-09
12 12 6
4 63 305
0.8 0.9 0.6
KRW1,873b EUR2,754m AUD2,175m
0.8 0.5 0.7
- - -
- - -
- - -
- - -
- - -
- - -
A AAA AA
A2 Aaa Aa1
.. AA+ AA-
risk-weighted credit exposures)
Tier 1 (*1) 9.7* 7.64 8.1 14.6 11.0 11.9 9.3
Capital (*2) 12.4* 12.02 10.4 17.4 12.5 15.9 13.1
Size
Banking group in NZ:
Total assets (NZ$m) 126,230 1,211 72,056 2,998 3,869 5,257 118
Percentage change last 12 months 9.8 78.7 8.6 -32.0 -12.2 -17.4 337
Overseas banking group:
Total assets AUD503b JPY160,826b AUD620b USD1,165b EUR1,733b HKD4,385b USD1,664b
Percentage change last 12 months 14.9 3.2 27.2 -5.1 -13.0 6.3 21
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 873 - 420 - - 48 -
As a percentage of total assets 0.7 - 0.6 - - 0.9 -
Specific provisions (NZ$m) 404 - 124 - - 13 -
As a percentage of impaired assets 46.3 - 29.5 - - 27.9 -
Overseas banking group:
Impaired assets AUD3,912m JPY1,166b AUD4,210m USD33,351m EUR4,707m* HKD16,141m USD36,115m
As a percentage of total assets 0.7 0.7 0.7 2.9 0.3* 0.4 2.2
Specific provisions AUD1,234m JPY230b AUD1,729m - EUR1,846m* HKD7,540m USD21,995m
As a percentage of impaired assets 31.5 19.7 41.1 - 27.4* 46.7 60.9
9.92 12.7 8.2*
13.18 13.0 11.0*
470 8,879 74,263
11.0 21.8 11.9
KRW267,549b EUR612b AUD594b
19.9 7.3 46.7
- 211 836
- 2.4 1.1
- 51.9 378
- 24.6 45.2
KRW2,558b EUR6,455m AUD3,299m
1.0 1.1 0.6
KRW1,156b EUR36.5m AUD1,416m
45.2 36.5 42.9
G2 Information extracted from the Key Information Summarie
Bk Tokyo-Mit
ANZ CBA (NZ)
UFJ
Time period covered
Annual balance date 30-Sep 31-Mar 30-Jun
Banking group in NZ:
End of period covered by the disclosure statement 30-Sep-09 30-Sep-09 30-Sep-09
Number of months covered by the disclosure statements 12 6 3
Overseas banking group:
End of period covered by the disclosure statement 30-Sep-09 30-Sep-09 30-Jun-09
Number of months covered by the disclosure statements 12 6 12
Profitability
Banking group in NZ:
Net profit after tax and extraordinary items (NZ$m) 194 5 -117
Net profit for previous 12 months as a percentage 0.2 0.7 0.2
of average total assets
Overseas banking group:
Net profit after tax and extraordinary items AUD2,945m JPY123b AUD4,723m
Net profit for previous 12 months as a percentage 0.6 -0.2 0.9
of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
Non-bank counterparties:
10-20% - - -
20-30% - - -
>30% - - -
Bank counterparties:
10-50% - - -
50-100% - - -
>100% - - -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
Issued by Standard and Poor's AA A+ AA
Issued by Moody's Aa1 Aa2 Aa1
Issued by Fitch AA- A AA
Capital adequacy
(of the overseas banking group as a percentage of total
risk-weighted credit exposures)
Tier 1 10.6 9.2 8.1
Capital 13.7 13.72 10.4
Size
Banking group in NZ:
Total assets (NZ$m) 126,314 1,327 71,455
Percentage change last 12 months 2.6 29.8 2.2
Overseas banking group:
Total assets AUD477b JPY162,793b AUD620b
Percentage change last 12 months 1.4 5.0 27.2
Asset quality
Banking group in NZ:
Impaired assets (NZ$m) 1,188 - 486
As a percentage of total assets 0.9 - 0.7
Specific provisions (NZ$m) 477 - 137
As a percentage of impaired assets 40.2 - 36.3
Collective provisions (NZ$m) 804 - 248
Overseas banking group:
Impaired assets AUD5,060m JPY1,289b AUD4,210m
As a percentage of total assets 1.1 0.8 0.7
Specific provisions AUD1,526m JPY284b AUD1,729m
As a percentage of impaired assets 30.2 22.0 44.1
Collective provisions (NZ$m) AUD3,000m JPY903b AUD3,225m
Key Information Summaries of overseas incorporated banks
Citibank Deutsche Bank HSBC JP Morgan Kookmin Rabobank Westpac
31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep
30-Sep-09 30-Sep-09 30-Sep-09 30-Sep-09 30-Sep-09 30-Sep-09 30-Sep-09
9 9 9 9 9 9 12
30-Sep-09 30-Sep-09 30-Jun-09 30-Sep-09 31-Dec-08 31-Dec-08 30-Sep-09
9 9 6 9 12 12 12
18 89 38 0.3 5 98 -494
1.1 3.2 0.9 0.0 1.5 0.1 -0.7
-USD2,270m EUR3,649m HKD24,443m USD6,543m KRW1,873b EUR2,754m AUD3,446m
-0.6 -0.1 1.1 0.6 0.8 0.5 0.6
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
A+ A+ AA AA- A AAA AA
A1 Aa1 Aa1 Aa1 A2 Aaa Aa1
A+ AA- AA Aa- .. AA+ AA-
15.16 11.7 11.9 9.1 9.92 12.7 8.1
17.53 13.1 15.9 12.9 13.18 13.0 10.8
2,584 3,316 4,891 134 419 8,848 73,444
-16.2 -24.7 -18.5 538.1 -17.6 15.6 3.6
USD1,187b EUR1,660b HKD4,385b USD1,670b KRW267,549b EUR612b AUD590b
-1.7 -19.5 6.3 -5.6 19.9 7.3 34.1
- - 42 - - 215 676
- - 0.9 - - 2.4 0.9
- - 13 - - 58 152
- - 31.1 - - 27.0 22.5
- - 3 - - 15 510
USD36,459m EUR4,651m HKD16,141m USD43,059m KRW2,558b EUR6,455m AUD3,181m
3.1 0.3 0.4 2.6 1.0 1.1 0.5
- EUR1,870m HKD7,540m USD22,804m KRW1,156b EUR2,357m AUD1,228m
- 27.6 46.7 52.9 45.2 36.5 38.6
- EUR1,310m HKD6,785m - KRW456b EUR267m AUD3,506m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
ANZ Group CBA (NZ) Citi
Time period covered
Annual balance date 30-Sep 30-Jun 31-Dec
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-09 31-Dec-09 31-Dec-09
Number of months covered by the disclosure 3 6 12
statements
Overseas banking group:
End of period covered by the disclosure statement 30-Sep-09 31-Dec-09 31-Dec-09
Number of months covered by the disclosure 12 6 12
statements
Profitability - Banking group in NZ:
Net profit (NZ$m) 253 51 21
Net profit for the previous 12 months as a % of 0.2 0.1 0.6
average total assets
Profitability - Overseas banking group:
Net profit AUD2,945m AUD2,914m -USD2,794m
Net profit for the previous 12 months as a % of 0.6 0.9 -0.2
average total assets
Peak credit exposure concentrations - Non-
bank counterparties:
10-20% - - -
20-30% - - -
>30% - - -
Peak credit exposure concentrations - Bank-
counterparties:
10-50% - - -
50-100% - - -
>100% - - -
Credit rating(s)
Issued by Standard and Poor's AA AA A+
Issued by Moody's Aa1 Aa1 A1
Issued by Fitch AA- AA A+
Capital adequacy
Tier 1 10.50 9.10 13.16
Capital 13.40 11.60 15.03
Size - Banking group in NZ:
Total assets (NZ$m) 124,753 70,554 3,501
% change last 12 months -5.7 -2.9 -8.7
Size - Overseas banking group:
Total assets AUD477b AUD625b USD1,161b
% change last 12 months 1.40 1.10 -5.40
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 1,336 556 -
As a % of total assets 1.1 0.5 -
Specific provisions (NZ$m) 566 119 -
As a % of impaired assets 42.4 33.4 -
Collective provisions (NZ$m) 804 259 -
Asset quality - Overseas banking group:
Impaired assets AUD5,060m AUD4,823m USD37,106m
As a % of total assets 1.1 0.8 3.2
Specific provisions AUD1,526 AUD1,822m -
As a % of impaired assets 30.2 - -
Collective provision AUD3,000m AUD3,452m -
Last updated 29 April 2010
ncorporated banks
Deutsche Bank HSBC JPMorgan Kookmin MUFG
31-Dec 31-Dec 31-Dec 31-Dec 31-Mar
31-Dec-09 31-Dec-09 31-Dec-09 31-Dec-09 31-Dec-09
12 12 12 12 9
31-Dec-09 31-Dec-09 31-Dec-09 31-Dec-09 30-Sep-09
12 12 12 12 6
84 51 2 7 8
2.4 0.9 1 1.7 0.8
EUR4,958m HKD50,644m USD8,422m KRW527b JPY123b
0.3 1.2 0.5 0.2 -0.2
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
A+ AA AA- A A+
Aa3 Aa1 Aa1 A2 Aa2
AA- AA AA- - A
12.60 12.20 9.50 10.82 9.20
13.90 16.10 13.50 14.04 13.72
3,099 4,770 171 432 1,390
-22 -22.9 50 1.2 30.6
EUR1,501b HKD4,342b USD1,628b KRW262,168b JPY162,793b
-31.80 1.90 -6.70 -1.60 5.00
51 44 - - -
1.6 0.9 - - -
12 11 - - -
24 25.5 - - -
- 3 - - -
EUR4,903m HKD16,196m USD46,245m KRW2,380b JPY1,289b
0.3 0.4 2.8 1.4 0.8
EUR2,029m HKD8,088m USD23,766m KRW1,187b JPY284b
28.2 49.9 51.4 49.9 22
EUR1,314m HKD6,192m - KRW2,345b JPY903b
Rabobank Westpac
31-Dec 30-Sep
31-Dec-09 31-Dec-09
12 3
31-Dec-09 30-Sep-09
12 12
114 341
1.3 -0.5
EUR2,288m AUD3,446m
0.4 0.6
- -
- -
- -
- -
- -
- -
AAA AA
Aaa Aa1
AA+ AA-
13.80 9.80
14.10 11.20
8,904 72,412
5.9 -6.8
EUR608b AUD590b
-0.70 34.10
299 691
3.4 1
91 190
30.4 27.5
20 564
EUR9,090m AUD3,181m
1.5 0.5
EUR3,560m AUD1,228m
39.2 38.6
EUR416m AUD3,506m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
ANZ Group CBA (NZ)
Time period covered
Annual balance date 30-Sep 30-Jun
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-10 31-Mar-10
Number of months covered by the disclosure 6 9
statements
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-10 31-Dec-09
Number of months covered by the disclosure 6 6
statements
Profitability - Banking group in NZ:
Net profit (NZ$m) 386 172
Net profit for the previous 12 months as a % of 0.1 0.4
average total assets
Profitability - Overseas banking group:
Net profit AUD1,925m AUD2,914M
Net profit for the previous 12 months as a % of 0.7 0.8
average total assets
Peak credit exposure concentrations - Non-
bank counterparties:
10≤20% - -
20≤30% - -
≥30% - -
Peak credit exposure concentrations - Bank-
counterparties:
10≤50% - -
50≤100% - -
≥100% - -
Credit rating(s)
Issued by Standard and Poor's AA AA
Issued by Moody's Aa1 Aa1
Issued by Fitch AA- AA
Capital adequacy
Tier 1 10.7 9.1
Capital 13 11.6
Size - Banking group in NZ:
Total assets (NZ$m) 123,504 70,700
% change last 12 months -7.1 -3
Size - Overseas banking group:
Total assets AUD507b AUD625b
% change last 12 months 0.8 1.1
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 1,736 496
As a % of total assets 1.4 0.7
Specific provisions (NZ$m) 608 101
As a % of impaired assets 35.0 29.1
Collective provisions (NZ$m) 867 235
Asset quality - Overseas banking group:
Impaired assets AUD5,888m AUD4,823m
As a % of total assets 1.2 0.8
Specific provisions AUD1,593m AUD1,822m
As a % of impaired assets 27.1 -
Collective provision AUD3,037m AUD3,452m
Last updated 29 July 2010
Source: Key Information Summaries
maries of overseas incorporated banks
Citi Deutsche Bank HSBC JPMorgan Kookmin
31-Dec 31-Dec 31-Dec 31-Dec 31-Dec
31-Mar-10 31-Mar-10 31-Mar-10 31-Mar-10 31-Mar-10
3 3 3 3 3
31-Mar-10 31-Mar-10 31-Dec-09 31-Mar-10 31-Dec-09
3 3 12 3 12
4 -34 13 1 2
0.6 -0.1 0.9 1.6 1.8
USD2,192m EUR1,777m HKD50,644m USD2,734m KRW527b
-0.2 0.3 1.2 0.5 0.2
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
A+ A+ AA AA- A
A1 Aa3 Aa1 Aa1 A1
A+ AA- AA AA- -
13.6 11.2 12.2 10 10.82
15.48 11.8 16.1 14.1 14.04
2,442 2,893 4,870 193 376
-35.6 -32.6 -20 8.4 -7.3
USD1,171b EUR1,670b HKD4,342b USD1,675b KRW262,168b
2.4 -20.6 1.9 -0.8 -1.6
- 51 45 - -
- 1.8 0.9 - -
- 51 10 - -
- 100.0 21.6 - -
- - 3 - -
USD35,329m EUR4,975m HKD16,196m USD47,066m KRW2,380b
3 0.3 0.4 2.8 1.4
- EUR2,052m HKD8,088m USD23,536m KRW1,187b
- 27.9 49.9 50 49.9
- EUR1,403m HKD6,192m - KRW2,345b
MUFG Rabobank Westpac
31-Mar 31-Dec 30-Sep
31-Mar-10 31-Mar-10 31-Mar-10
12 3 6
31-Mar-10 31-Dec-09 31-Mar-10
12 12 6
11 11 455
0.8 0.6 -0.4
JPY363b EUR2,288m AUD2,875m
0.2 0.4 0.7
- - -
- - -
- - -
- - -
- - -
- - -
A+ AAA AA
Aa2 Aaa Aa1
A AA+ AA
10.84 13.8 8.6
15.54 14.1 10.8
1,573 8,988 72,159
38.1 4.2 -7.3
JPY165,094b EUR608b AUD601b
2.7 -0.7 1.1
- 299 759
- 3.3 1.1
- 91 233
- 30.7 30.7
- 20 597
JPY1,367b EUR9,090m AUD4,068m
0.8 1.5 0.7
JPY351b EUR3,560m AUD1,576m
25.7 39.2 36.7
JPY619b EUR416m AUD3,697m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
ANZ Group CBA (NZ) Citibank Deutsche Bank HSBC JPMorgan Kookmin MUFG Rabobank Westpac
Time period covered
Annual balance date 30-Sep 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Mar 31-Dec 30-Sep
Banking group in NZ:
End of period covered by the disclosure 30-Jun-10 30-Jun-10 30-Jun-10 31-Jun-10 30-Jun-10 30-Jun-10 30-Jun-10 30-Jun-10 30-Jun-10 30-Jun-10
Number of months covered by the disclosure 9 12 6 6 6 6 6 3 6 9
statements
Overseas banking group:
End of period covered by the disclosure 31-Mar-10 30-Jun-10 30-Jun-10 30-Jun-10 30-Jun-10 30-Jun-10 31-Dec-09 31-Mar-10 31-Dec-09 31-Mar-10
statement except * 30- except * 30-
Jun-10 Jun-10
Number of months covered by the disclosure 6 12 6 6 6 6 12 12 12 6
statements
Profitability - Banking group in NZ:
Net profit (NZ$m) 620 308 8 -33 27 2 3 3 11 646
Net profit for the previous 12 months as a % of 0.30 0.40 0.50 -0.80 1.00 1.80 1.40 0.80 0.70 -0.20
average total assets
Profitability - Overseas banking group:
Net profit AUD1,925m AUD5,664m USD4,920m EUR2,943m HKD31,368m USD6,685m KRW527b JPY363b EUR2,288m AUD2,875m
Net profit for the previous 12 months as a % of 0.70 0.90 0.30 0.30 1.30 0.70 0.20 0.20 0.40 0.70
average total assets
Peak credit exposure concentrations - Non-
bank counterparties:
10-20% - - - - - - - - - -
20-30% - - - - - - - - - -
>30% - - - - - - - - - -
Peak credit exposure concentrations - Bank
counterparties:
10-50% - - - - - - - - - -
50-100% - - - - - - - - - -
>100% - - - - - - - - - -
Credit rating(s)
Issued by Standard and Poor's AA AA A+ A+ AA AA- A A+ AAA AA
Issued by Moody's Aa1 Aa1 A1 Aa3 Aa1 Aa1 A1 Aa2 Aaa Aa1
Issued by Fitch AA- AA A+ AA- AA AA- - A AA+ AA
Capital adequacy
(as a % of overseas banking group's total risk-
weighted credit exposures)
Tier 1 10.30* 9.20 14.20 11.30 11.70 10.50 10.82 10.84 13.80 8.90*
Capital 12.60* 11.50 16.00 11.90 14.70 14.60 14.04 15.54 14.10 10.80*
Size - Banking group in NZ:
Total assets (NZ$m) 122,359 69,941 2,627 2,772 5,035 233 521 1,688 9,131 71,324
% change last 12 months -3.10 -2.90 -12.40 -28.40 -4.20 100.90 10.90 39.40 2.80 -4.00
Size - Overseas banking group:
Total assets AUD507b AUD646b USD1,158b EUR1,926b HKD4,635b UDS1,568b KRW262,168b JPY165,095b EUR608b AUD601b
% change last 12 months 0.80 4.20 -0.70 11.10 6.30 -5.80 -1.60 2.70 -0.70 1.10
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 1,831 506 - 124 45 - - - 379 789
As a % of total assets 1.50 0.70 - 4.50 0.90 - - - 4.20 1.10
Specific provisions (NZ$m) 629 67 - 62 13 - - - 125 247
As a % of impaired assets 34.40 19.70 - 50.00 29.30 - - - 33.10 31.30
Collective provisions (NZ$m) 854 223 - - 3 - - - 20 565
Asset quality - Overseas banking group:
Impaired assets AUD5,888m AUD5,216m USD34,052m EUR4,954m HKD16,163m USD44,810m KRW2,380b JPY1,367b EUR9,090m AUD4,068m
As a % of total assets 1.20 0.80 2.90 0.30 0.30 2.90 1.40 0.80 1.50 0.70
Specific provisions AUD1,593m AUD1,992m - EUR2,134m HKD7,827m USD22,513m KRW1,187b JPY351b EUR3,560m AUD1,576m
As a % of impaired assets 27.10 - - 28.80 48.40 50.20 49.90 25.70 39.20 36.70
Collective provision AUD3,037m AUD3,461m - EUR1,408m HKD5,184m - KRW2,345b JPY619b EUR416m AUD3,697m
Last updated 28 October 2010
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
ANZ Group CBA (NZ) Citibank
Time period covered
Annual balance date 30-Sep 30-Jun 31-Dec
Banking group in NZ:
End of period covered by the disclosure 30-Sep-10 30-Sep-10 30-Sep-10
Number of months covered by the disclosure 12 3 9
statements
Overseas banking group:
End of period covered by the disclosure 30-Sep-10 30-Jun-10 30-Sep-10
statement except * 30-
Number of months covered by the disclosure 12 Sep-1012 9
statements
Profitability - Banking group in NZ:
Net profit (NZ$m) 867 174 13
Net profit for the previous 12 months as a % 0.7 0.8 0.6
of average total assets
Profitability - Overseas banking group:
Net profit AUD4,505m AUD5,664m USD6,419m
Net profit for the previous 12 months as a % 0.9 0.9 0.5
of average total assets
Peak credit exposure concentrations -
Non-bank counterparties:
10≤20% - - -
20≤30% - - -
≥30% - - -
Peak credit exposure concentrations -
Bank-counterparties:
10≤50% - - -
50≤100% - - -
≥100% - - -
Credit rating(s)
Issued by Standard and Poor's AA AA A+
Issued by Moody's Aa1 Aa1 A1
Issued by Fitch AA- AA A+
Capital adequacy
(as a % of overseas banking group's total
risk-weighted credit exposures)
Tier 1 10.10 9.9* 16.64
Capital 11.90 11.3* 16.52
Size - Banking group in NZ:
Total assets (NZ$m) 127,029 70,827 2,467
% change last 12 months 0.6 -0.9 -4.5
Size - Overseas banking group:
Total assets AUD532b AUD646b USD1,209b
% change last 12 months 11.5 4.2 1.9
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 2,047 498 -
As a % of total assets 1.6 0.7 -
Specific provisions (NZ$m) 616 67 -
As a % of impaired assets 30.1 19.9 -
Collective provisions (NZ$m) 804 202 -
Asset quality - Overseas banking group:
Impaired assets AUD6,267m AUD5,216m USD32,294m
As a % of total assets 1.2 0.8 2.7
Specific provisions AUD1,849m AUD1,992m -
As a % of impaired assets 29.5 40.1 -
Collective provision AUD3,153m AUD3,461m -
Last updated 27 January 2011
Source: Key Information Summaries
erseas incorporated banks
Deutsche Bank HSBC JPMorgan Kookmin MUFG
31-Dec 31-Dec 31-Dec 31-Dec 31-Mar
30-Sep-10 30-Sep-10 30-Sep-10 30-Sep-10 30-Sep-10
9 9 9 9 6
30-Sep-10 30-Jun-10 30-Sep-10 31-Dec-09 30-Sep-10
9 6 9 12 6
-36 39 3 5 6
-1.2 1.1 0.9 1.5 0.8
EUR1,724m HKD31,368m USD9,240m KRW527b JPY324b
0.2 1.3 0.7 0.2 0.4
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
A+ AA AA- A A+
Aa3 Aa1 Aa1 A1 Aa2
AA- AA AA- - A
11.50 11.70 10.20 10.82 11.38
12.20 14.70 14.30 14.04 15.77
3,595 4,599 727 444 1,788
8.4 -6.0 437.1 9.5 34.8
EUR1,958b HKD4,635b USD1,643b KRW262,168b JPY161,535b
18.0 6.3 -1.6 -1.6 -0.8
124 58 - 0 -
3.4 1.3 - 0.0 -
62 16 - 0 -
50.0 28.0 - 42.1 -
- 2 - - -
EUR4,871m HKD14,699m USD43,932m KRW2,380b JPY1,441b
0.2 0.3 2.7 1.4 0.9
EUR2,094m HKD7,827m USD22,303m KRW1,187b JPY322b
28.1 53.2 50.9 49.9 22.3
EUR1,563m HKD5,184m - KRW2,345b JPY900b
Rabobank Westpac
31-Dec 30-Sep
30-Sep-10 30-Sep-10
9 12
31-Dec-09 30-Sep-10
12 12
46 763
0.7 1.1
EUR2,288m AUD6,346m
0.4 1.0
- -
- -
- -
- -
- -
- -
AAA AA
Aaa Aa1
AA+ AA
13.80 9.10
14.10 11.00
9,399 72,783
4.8 -0.9
EUR608b AUD618b
-0.7 4.9
384 890
4.2 1.2
116 356
20.2 40.0
20 516
EUR9,090m AUD3,839m
1.5 0.6
EUR3,560m AUD1,622m
39.2 42.3
EUR416m AUD3,439m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
ANZ Group
Time period covered
Annual balance date 30-Sep
Banking group in NZ:
End of period covered by the disclosure statement 31-Dec-10
Number of months covered by the disclosure statements 3
Overseas banking group:
End of period covered by the disclosure statement 30-Sep-10
Number of months covered by the disclosure statements 12
Profitability - Banking group in NZ:
Net profit (NZ$m) 260
Net profit for the previous 12 months as a % of average total assets 0.7
Profitability - Overseas banking group:
Net profit AUD4,505m
Net profit for the previous 12 months as a % of average total assets 0.9
Peak credit exposure concentrations - Non-bank counterparties:
1
Equal to 10% but less than 20% -
1
Equal to 20% but less than 30% -
1
Equal to or greater than 30% -
Peak credit exposure concentrations to bank counterparties:
1
Equal to 10% but less than 50% -
1
Equal 50% but less than 100% -
1
Equal to or greater than 100% -
Credit rating(s)
2
Issued by Standard and Poor's AA
2
Issued by Moody's Aa1
2
Issued by Fitch AA-
Capital adequacy
3 4
Tier 1 ratio 10.4*
3
Capital ratio 11.9*
Size - Banking group in NZ:
Total assets (NZ$m) 124,541
% change last 12 months -0.2
Size - Overseas banking group:
Total assets AUD532b
% change last 12 months 11.5
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 2,057
As a % of total assets 1.7
Specific provisions (NZ$m) 602
As a % of impaired assets 29.3
Collective provisions (NZ$m) 750
Asset quality - Overseas banking group:
Impaired assets AUD6,267m
As a % of total assets 1.2
Specific provisions AUD1,849m
As a % of impaired assets 29.5
Collective provision AUD3,153m
1 Number in relation to group equity
2 On NZ$ long-term senior unsecured obligations in NZ
3 As a % of overseas banking group's total risk-weighted credit exposures
4 Capital adequacy ratios marked with a * are as at 31 December 2010
Last updated 27 April 2011
Source: Key Information Summaries
aries of overseas incorporated banks
CBA (NZ) Citibank Deutsche Bank HSBC JPMorgan
30-Jun 31-Dec 31-Dec 31-Dec 31-Dec
31-Dec-10 31-Dec-2010 31-Dec-10 31-Dec-10 31-Dec-10
6 12 12 12 12
31-Dec-10 31-Dec-10 31-Dec-10 31-Dec-10 31-Dec-10
6 12 12 12 12
322 16 -54 56 9
0.5 0.6 -1.7 1.1 2.9
AUD3,052m USD7,904m EUR2,330m HKD63,277m USD11,826m
0.5 0.7 0.1 1.3 0.7
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
AA A+ A+ AA AA-
Aa1 A1 Aa3 Aa1 Aa1
AA A+ AA- AA AA-
9.7 15.17 12.3 11.7 9.5
11.5 17.06 14.1 14.7 13.5
69,805 2,682 3,282 5,021 474
-1.1 -23.4 5.9 5.3 185.8
AUD650b USD1,154b EUR1,906b HKD5,040b USD1,632b
3.9 -0.6 27 15.6 0.2
513 - 73 72 -
0.7 - 2.2 1.4 -
87 - 37 18 -
23.1 - 51 25.6 -
192 - - 2 -
AUD5,184m USD30,217m EUR3,552m HKD26,281m USD43,217m
0.8 2.6 0.2 0.3 2.7
AUD2,169m - EUR1,643m HKD8,259m USD22,435m
- - 26.2 50.7 51.9
AUD3,327m - EUR1,653m HKD4,735m -
Kookmin MUFG Rabobank Westpac
31-Dec 31-Mar 31-Dec 30-Sep
31-Dec-10 31-Dec-10 31-Dec-10 31-Dec-10
12 9 12 3
31-Dec-09 30-Sep-10 31-Dec-10 30-Sep-10
12 6 12 12
6 10 84 144
1.4 0.8 0.9 0.8
KRW527b JPY324b EUR2,772M AUD6,346m
0.2 0.4 0.4 1
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
A A+ AAA AA
A1 Aa2 Aaa Aa1
- A AA+ AA
10.82 11.38 15.7 9.2*
14.04 15.77 16.3 10.5*
439 1,015 9,499 72,827
1.7 37.7 6.1 0.6
KRW262,168b JPY161,535b EUR653b AUD618b
-1.6 -0.8 7.4 4.9
- - 391 809
- - 4.1 1.1
- - 116 361
100 - 29.8 44.6
- - 19 514
KRW2,380b JPY1,441b EUR9,284m AUD3,839m
1.4 0.9 1.4 0.6
KRW1,187b JPY322b EUR3,101m AUD1,622m
49.9 22.3 33.4 42.3
KRW2,345b JPY900b EUR325m AUD3,439m
G2 Key information on overseas incorporated banks
ANZG1 CBA-NZ1 CITI-BK1 DBNZ HSBC1 JPMC KOOK1 MUFG RABO-NED WPAC1
Time period covered
Annual balance date 30-Sep 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Mar 31-Dec 30-Sep
Banking group in NZ:
End of period covered by the disclosure statement 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11 31-Mar-11
Number of months covered by the disclosure 6 9 3 3 3 3 3 12 3 6
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-11 31-Dec-10 31-Mar-11 31-Mar-11 31-Dec-10 31-Mar-11 31-Dec-10 31-Mar-11 31-Dec-10 31-Mar-11
Number of months covered by the disclosure 6 6 3 3 12 3 12 12 12 6
Profitability - Banking group in NZ:
Net profit (NZ$m) 478 441 6 28 12 4 2 13 18 279
Net profit for the previous 12 months as a % of 0.8 0.8 0.7 0.2 1.1 2.8 1.3 0.7 1 0.8
Profitability - Overseas banking group:
Net profit AUD2,669m AUD3,052m USD1,477m EUR2,130m HDK63,277m USD2,701m KRW88b JPY720b EUR2,772m AUD3,961m
Net profit for the previous 12 months as a % of 1 0.9 0.6 0.3 1.3 0.7 - 0.4 0.4 1.2
average total assets
Credit rating(s)
2
Issued by Standard and Poor's AA AA A+ A+ AA AA- A A+ AAA AA
2
Issued by Moody's Aa2 Aa2 A1 Aa3 Aa1 Aa1 A1 Aa2 Aaa Aa2
2
Issued by Fitch AA- AA A+ AA- AA AA- - A AA+ AA
Capital adequacy
3
Tier 1 ratio 10.5 9.7 15.23 13.4 11.7 9.5 10.89 11.42 15.7 9.5
3
Capital ratio 12.1 11.5 17.11 14.9 14.7 13.4 13.44 15.82 16.3 11
Size - Banking group in NZ:
Total assets (NZ$m) 125,059 69,091 2,367 3,819 4,697 742 443 2,055 9,636 74,564
% change last 12 months 1.3 -2.3 -3.1 32 -3.5 305.5 17.8 30.7 7.2 3.3
Size - Overseas banking group:
Total assets AUD537b AUD650b USD1,161b EUR1,842b HKD5,040b USD1,723b KRW262,008b JPY163,123b EUR653b AUD621b
% change last 12 months 6.1 3.9 -0.8 10.3 15.6 2.9 -0.1 -1.2 7.4 3.5
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 2,127 361 - - 67 - - - 400 1,018
As a % of total assets 1.7 0.5 - - 1.4 - - - 4.2 1.4
Specific provisions (NZ$m) 552 92 - - 18 - - - 117 430
As a % of impaired assets 30 25.5 - - 27.2 - 100 - 28.2 42.2
Collective provisions (NZ$m) 738 244 - - 2 - - - 19 417
4
Asset quality - Overseas banking group:
Impaired assets AUD6,221m AUD4,969m* USD26,155m EUR3,712m HKD15,014m USD40,942m KRW3,657b JPY1,457b EUR9,284m AUD4,251m
As a % of total assets 1.2 0.8 2.3 0.2 0.3 2.3 1.8 0.9 1.4 0.7
Specific provisions AUD1,717m AUD1,992m* - EUR1,621m HKD8,259m USD21,780m KRW1,789b JPY258b EUR3,101m AUD1,780m
As a % of impaired assets 27.6 40.1 - 24.3 50.7 54.4 48.9 17.7 33.4 41.9
Collective provision AUD3,177m AUD3,461m* - EUR1,741m HKD4,735m - KRW2,493b JPY671b EUR325m AUD3,188m
1 These banks published 31 March 2011 data on the basis of the revised 2011 Orders in Council
2 On NZ$ long-term senior unsecured obligations in NZ
3 As a % of overseas banking group's total risk-weighted credit exposures
4 Asset quality data marked with a * are as at 30 June 2010
Last updated 27 July 2011
Source: Disclosure Statements
G2 Information extracted from the Key Information Summaries of overseas incorporated banks
1 1
ANZG CBA-NZ CITI-BK DBNZ HSBC JPMC KOOK MUFG RABO-NED WPAC
Time period covered
Annual balance date 30-Sep 30-Jun 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 31-Mar 31-Dec 30-Sep
Banking group in NZ:
End of period covered by the disclosure statement 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11
Number of months covered by the disclosure 9 12 6 6 6 6 6 3 6 9
statements
Overseas banking group:
End of period covered by the disclosure statement 31-Mar-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 30-Jun-11 31-Dec-10 31-Mar-11 31-Dec-10 31-Mar-11
Number of months covered by the disclosure 6 12 6 6 6 6 12 12 12 6
Profitability - Banking group in NZ:
Net profit (NZ$m) 735 600 8 14 24 14 2 3 37 446
Net profit for the previous 12 months as a % of 0.8 0.8 0.6 -0.2 1.1 3.9 1.1 0.7 1.2 0.8
average total assets
Profitability - Overseas banking group:
Net profit AUD2,669m AUD6,394m USD1,863m EUR3,363m HDK37,337m USD5,584m KRW100b JPY720b EUR2,772m AUD3,961m
Net profit for the previous 12 months as a % of 1.0 1.0 0.4 0.3 1.4 0.6 - 0.4 0.4 1.2
average total assets
Credit rating(s)
2
Issued by Standard and Poor's AA AA A+ A+ AA AA- A A+ AAA AA
2
Issued by Moody's Aa2 Aa2 A1 Aa3 Aa1 Aa1 A1 Aa2 Aaa Aa2
2
Issued by Fitch AA- AA A+ AA- AA AA- - A AA+ AA
4
Capital adequacy
3
Tier 1 ratio 10.6* 10.00 14.18 14.00 11.70 9.30 10.89 11.42 15.70 9.6*
3
Capital ratio 11.8* 11.7 16.05 15.6 14.5 13.1 13.44 15.82 16.30 11.0*
Size - Banking group in NZ:
Total assets (NZ$m) 125,289 68,674 2,433 2,890 4,685 897 424 2,108 10,151 75,416
% change last 12 months 2.4 -1.8 -7.4 4.3 -6.9 296 -18.7 24.9 11.2 5.7
Size - Overseas banking group:
Total assets AUD537b AUD668b USD1,216b EUR1,850b HKD5,497b USD1,791b KRW254,862b JPY163,123b EUR653b AUD621b
% change last 12 months 6.1 3.3 5.0 -3.9 18.6 14.2 -0.1 -1.2 7.4 3.5
Asset quality - Banking group in NZ:
Impaired assets (NZ$m) 1,906 355 - 9 67 - 1 - 388 941
As a % of total assets 1.5 0.5 - 0.3 1.4 - 0.2 - 3.8 1.2
Specific provisions (NZ$m) 528 84 - 2 18 - 0 - 120 310
As a % of impaired assets 27.7 23.7 - 22.2 26.5 - 31.6 - 30.9 32.9
Collective provisions (NZ$m) 697 185 - - 2 - - - 21 423
Asset quality - Overseas banking group:
Impaired assets AUD6,221m AUD5,297m USD22,343m EUR4,494m HDK13,107m USD37,081m KRW3,520b JPY1,457b EUR9,088m AUD4,251m
As a % of total assets 1.2 0.8 1.8 0.2 0.2 2 1.4 0.9 1.4 0.7
Specific provisions AUD1,717m AUD2,125m - EUR1.633m HKD7,063m USD21,446m KRW1,737b JPY258b EUR3,101m AUD1,780m
As a % of impaired assets 27.6 40.1 - 36.3 53.9 57.8 49.3 17.7 33.4 41.9
Collective provision AUD3,177m AUD3,043m - EUR1,857m HDK4,515m - KRW4,227b JPY671b EUR325m AUD3,188m
* Refers to Overseas banking group reporting date
1 With the exception of the JPMorgan and MUFG all banks published on the basis of the revised 2011 Orders in Council
2 On NZ$ long-term senior unsecured obligations in NZ
3 As a % of overseas banking group's total risk-weighted credit exposures
4 Capital adequacy ratios marked with a * are as at 30 June 2011
Last updated 18 October 2011
Source: Disclosure statements
Printed on 11/15/2011 at 5:36 AM