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									      Reserve Bank of Australia                                                                                                                                               846e7808-8a6f-4f63-b9a6-4c3d5db8aa1e.xls




           A             B              C              D             E             F                G             H            I          J           K               L
 1 B6 BANKS - CONSOLIDATED GROUP CAPITAL
 2 $ million
 3 Some of these series are affected by series breaks. See the Series breaks worksheet for details.
 4     At end                                       Capital                                                   Risk-weighted assets                  Tier 1          Total
 5         of          Tier 1       of which:       Tier 2      of which:         Total               Credit risk         Market risk   Total       capital      capital base
 6                                    Share                       Upper          capital      On-balance Off-balance       and other                 ratio           ratio
 7                                    capital                      tier 2         base            sheet         sheet      exposures              (per cent)      (per cent)
 8
 9  Last updated:    16-Dec-10      16-Dec-10     16-Dec-10     16-Dec-10      16-Dec-10       16-Dec-10      16-Dec-10    16-Dec-10  16-Dec-10   16-Dec-10       16-Dec-10
10     Source          APRA           APRA          APRA           APRA          APRA             APRA          APRA         APRA       APRA        APRA            APRA
12       Sep-1989         24429            6875        13038            8693        37467           327527         63926                391455             6.2             9.6
13       Dec-1989         25269            7103        13709            8786        38978           333152         62251                395657             6.4             9.9
14       Mar-1990         25290            7123        14366            9144        39655           352492         64352                416844             6.1             9.5
15        Jun-1990        25859            8130        13734            8236        39568           361772         63829                425601             6.1             9.3
16       Sep-1990         25990            8440        14262            8097        40185           362599         59230                421828             6.2             9.5
17       Dec-1990         26735            8620        15457            8272        42054           368580         59171                427752             6.3             9.8
18       Mar-1991         25497            9021        15456            8060        40776           362985         58017                421000             6.1             9.7
19        Jun-1991        26839            9253        15507            7963        42212           359658         59667                419342             6.4            10.1
20       Sep-1991         28574            9904        14792            7761        42249           349174         57944                407116             7.0            10.4
21       Dec-1991         28997          10004         15392            7921        43285           356619         58343                414963             7.0            10.4
22       Mar-1992         28117          10245         14402            7130        41557           347388         55194                402582             7.0            10.3
23        Jun-1992        28928          10383         13955            6486        41929           354298         57784                412080             7.0            10.2
24       Sep-1992         28863          11052         14551            6593        42697           356532         57891                414422             7.0            10.3
25       Dec-1992         28880          11107         14849            6545        42977           356594         56153                412746             7.0            10.4
26       Mar-1993         29073          11276         14980            6720        43581           352976         54481                404523             7.2            10.8
27        Jun-1993        29708          11343         15015            6489        44265           356589         55921                409427             7.3            10.8
28       Sep-1993         31931          11495         14887            6191        46278           352406         53985                403114             7.9            11.5
29       Dec-1993         32522          11542         14512            6089        46446           351343         48943                396644             8.2            11.7
30       Mar-1994         33513          11685         14377            5919        47431           351658         47940                395433             8.5            12.0
31        Jun-1994        33882          11333         14080            5803        47454           354859         50184                398071             8.5            11.9
32       Sep-1994         34776          10999         13298            5679        47536           356372         45194                393594             8.8            12.1
33       Dec-1994         35756          11123         12792            5536        47984           356866         45166                392316             9.1            12.2
34       Mar-1995         37406          11208         13485            5869        50304           371535         47675                408307             9.2            12.3
35        Jun-1995        38650          11325         13709            6062        51603           389736         50319                427006             9.1            12.1
36       Sep-1995         39417          11258         13609            5918        52065           393202         49131                428308             9.2            12.2
37       Dec-1995         39399          10810         13861            6098        52065           415780         50907                449440             8.8            11.6
38       Mar-1996         40199          10816         13986            6090        52840           422500         54180                457975             8.8            11.5
39        Jun-1996        40131          10824         14291            6203        52970           441579         54521                475804             8.4            11.1
40       Sep-1996         40168          10744         14617            6192        53189           450445         58560                485553             8.3            11.0
41       Dec-1996         42374          10867         14817            6325        54176           470993         59735                508768             8.3            10.6
42       Mar-1997         42494          10647         15875            7315        55343           461225         56258                515123             8.2            10.7
43        Jun-1997        42893          10608         15863            7323        55659           480018         60963                540981             7.9            10.3
44       Sep-1997         43390          10642         15730            7500        55953           481171         64380                545549             8.0            10.3




      1/5/2011 6:58 PM                                                                                        Page 1
      Reserve Bank of Australia                                                                                                                                               846e7808-8a6f-4f63-b9a6-4c3d5db8aa1e.xls




           A             B              C              D             E             F                G             H            I          J           K               L
 1 B6 BANKS - CONSOLIDATED GROUP CAPITAL
 2 $ million
 3 Some of these series are affected by series breaks. See the Series breaks worksheet for details.
 4     At end                                       Capital                                                   Risk-weighted assets                  Tier 1          Total
 5         of          Tier 1       of which:       Tier 2      of which:         Total               Credit risk         Market risk   Total       capital      capital base
 6                                    Share                       Upper          capital      On-balance Off-balance       and other                 ratio           ratio
 7                                    capital                      tier 2         base            sheet         sheet      exposures              (per cent)      (per cent)
 8
 9  Last updated:    16-Dec-10      16-Dec-10     16-Dec-10     16-Dec-10      16-Dec-10       16-Dec-10      16-Dec-10    16-Dec-10  16-Dec-10   16-Dec-10       16-Dec-10
10     Source          APRA           APRA          APRA           APRA          APRA             APRA          APRA         APRA       APRA        APRA            APRA
45       Dec-1997         43864          10775         18558            7762        59319           513017         73531                586547             7.5            10.1
46       Mar-1998         42073          10607         18513            7609        57730           501716         72074        14469   588259             7.2             9.8
47        Jun-1998        43958          10834         19751            7896        60749           523673         80021        13054   616748             7.1             9.9
48       Sep-1998         45987          21489         20619            8476        63452           517636         84130         9615   611380             7.5            10.4
49       Dec-1998         47288          24000         20040            8503        63541           527811         81007         9429   618246             7.6            10.3
50       Mar-1999         47043          27368         20200            8368        63250           529514         79426         9421   618361             7.6            10.2
51        Jun-1999        48613          29298         20094            8275        64833           532316         78023         8936   619275             7.9            10.5
52       Sep-1999         49849          30107         19472            8121        64786           540117         78681         8621   627418             7.9            10.3
53       Dec-1999         50740          30694         20322            8243        65737           559837         82678         6694   649209             7.8            10.1
54       Mar-2000         52175          30469         21696            8584        67967           577787         86127         6725   670638             7.8            10.1
55        Jun-2000        50823          38445         26331            9000        68049           596944         85278         6635   688856             7.4             9.9
56       Sep-2000         52586          39193         28716            9380        72155           617947         96485         6007   720439             7.3            10.0
57       Dec-2000         52371          40045         28318            9680        72412           638941         93856         5795   738592             7.1             9.8
58       Mar-2001         54366          40485         30079          10108         77179           671703        111630         6499   789831             6.9             9.8
59        Jun-2001        58032          41862         29079            9740        79725           659059        100394         6639   766092             7.6            10.4
60       Sep-2001         58956          43399         30270            9942        80954           667582        108532         7567   783681             7.5            10.3
61       Dec-2001         59426          44377         29835          10055         80732           661919        100002         8338   770259             7.7            10.5
62       Mar-2002         59898          39687         28885            9642        80051           660813         94745         7097   762655             7.9            10.5
63        Jun-2002        61157          39790         28089            9424        79601           662421        100349         7644   770414             7.9            10.3
64       Sep-2002         61794          41724         28463            9414        80207           679085        104737         8470   792293             7.8            10.1
65       Dec-2002         62505          41619         26909            9348        79830           696893        106149         7994   811036             7.7             9.8
66       Mar-2003         62925          41213         28148            8663        81815           705272        104699         8623   818595             7.7            10.0
67        Jun-2003        62880          41119         30374            8379        83660           713146        103348         9402   825896             7.6            10.1
68       Sep-2003         67022          42033         30784            8414        89002           724823        104437        11119   840379             8.0            10.6
69       Dec-2003         67580          45591         31771            8480        90367           772784        110524        12481   895789             7.5            10.1
70       Mar-2004         70053          46456         31707            8538        93376           788295        110728        29009   928032             7.5            10.1
71        Jun-2004        73210          47147         37878            9477       102772           825407        119206        23569   968182             7.6            10.6
72       Sep-2004         73349          48797         38835          10077        103826           849858        112539        21477   983874             7.5            10.6
73       Dec-2004         76684          49831         36780            9841       105673           873333        115540        21103 1009976              7.6            10.5
74       Mar-2005         79763          50030         38461            9535       110254           877574        113891        21763 1013228              7.9            10.9
75        Jun-2005        81931          50374         37615            9595       111446           908279        116036        23513 1047828              7.8            10.6
76       Sep-2005         83044          51889         37721            9534       112385           928219        115267        23211 1066697              7.8            10.5
77       Dec-2005         85222          53070         39635            9036       115842           971791        121543        24353 1117687              7.6            10.4




      1/5/2011 6:58 PM                                                                                        Page 2
      Reserve Bank of Australia                                                                                                                                                846e7808-8a6f-4f63-b9a6-4c3d5db8aa1e.xls




           A             B              C              D             E             F                G             H             I          J           K               L
 1 B6 BANKS - CONSOLIDATED GROUP CAPITAL
 2 $ million
 3 Some of these series are affected by series breaks. See the Series breaks worksheet for details.
 4     At end                                       Capital                                                   Risk-weighted assets                   Tier 1          Total
 5         of          Tier 1       of which:       Tier 2      of which:         Total               Credit risk         Market risk    Total       capital      capital base
 6                                    Share                       Upper          capital      On-balance Off-balance       and other                  ratio           ratio
 7                                    capital                      tier 2         base            sheet         sheet      exposures               (per cent)      (per cent)
 8
 9  Last updated:    16-Dec-10      16-Dec-10     16-Dec-10     16-Dec-10      16-Dec-10       16-Dec-10      16-Dec-10    16-Dec-10   16-Dec-10   16-Dec-10       16-Dec-10
10     Source          APRA           APRA          APRA           APRA          APRA             APRA          APRA         APRA        APRA        APRA            APRA
78       Mar-2006         86951          54473         41168            9172       119161           991320        116870         24666 1132857              7.7            10.5
79        Jun-2006        89510          55370         43090            9183       123108          1034013        118559         24717 1177290              7.6            10.5
80       Sep-2006         90448          54600         45062            8874       127795          1064334        119848         25931 1210114              7.5            10.6
81       Dec-2006         93192          56316         46370            8664       130491          1102336        124268         28731 1255335              7.4            10.4
82       Mar-2007         96544          64633         47471            8816       132532          1129887        130964         15978 1276829              7.6            10.4
83        Jun-2007        98880          66955         50242            8950       138456          1179310        138722         18821 1336853              7.4            10.4
84       Sep-2007       102564           69855         50649            9306       142194          1221983        136480         18529 1376992              7.4            10.3
85       Dec-2007       105780           75560         53026            9255       149373          1302038        143487         19280 1464805              7.2            10.2
86       Mar-2008         97730          75869         43859            7088       140228          1031388        206016       100935 1338339               7.3            10.5
87        Jun-2008        98445          78438         45794            7929       142862          1036945        204710       104737 1346392               7.3            10.6
88       Sep-2008       104940           86081         45420            6425       150287           974130        236662       162518 1373311               7.6            10.9
89       Dec-2008       116998           98832         44842            6645       161769          1017771        257849       145579 1421199               8.2            11.4
90       Mar-2009       118410          108455         42451            5815       160861          1010871        239994       155897 1406763               8.4            11.4
91        Jun-2009      119609          111301         37122            6043       156731          1016556        225148       154780 1396483               8.6            11.2
92       Sep-2009       125651          119942         36982            6304       162633          1015317        214915       157667 1387900               9.1            11.7
93       Dec-2009       131248          126436         35990            6142       167238          1015819        211468       169102 1396389               9.4            12.0
94       Mar-2010       130973          127816         33007            6133       163981          1003871        200356       185534 1389761               9.4            11.8
95        Jun-2010      132459          128994         31954            6120       164414          1013747        231521       160843 1406111               9.4            11.7
96       Sep-2010       132558          130559         29610            5735       162168           986764        226980       168164 1381908               9.6            11.7
97       Dec-2010
98       Mar-2011
99        Jun-2011




      1/5/2011 6:58 PM                                                                                        Page 3
B6 Banks – Consolidated Group Capital
These data are derived from returns submitted to the Australian Prudential Regulation Authority (APRA) by banks
authorised under the Banking Act 1959 . APRA assumed responsibility for the supervision and regulation of banks
on 1 July 1998. Data prior to that date were submitted to the RBA.
Prior to March 2002, banks reported to APRA on the Capital Adequacy Return . From that date, banks report
quarterly on ARF 110.0: Capital Adequacy . Following the introduction of a new capital framework (Basel II) on 1
January 2008, the data from March 2008 contain significant breaks. For details of the Basel II framework, refer to
APRA prudential standards APS 110–APS 116, APS 120 and APS 150. For detailed definitions of the capital
components listed below, refer to APS 111.
‘Consolidated group’, for a locally incorporated bank, refers to the global operations of the bank and its subsidiaries,
excluding those involved in insurance, funds management/trustee and non-financial business.
This table excludes data of foreign banks authorised to operate in Australia as branches.
Measures of capital are net of deductions such as future income tax benefits, intangible assets, investments in non-
consolidated subsidiaries, holdings of other banks’ capital instruments and other assets that are not eligible for
inclusion in capital.
The breaks in Tier 1 and Tier 2 capital in March 2008 are largely due to changes in the items that banks are required
to deduct from capital. Under Basel II, there are a number of new deductions from Tier 1 and Tier 2 capital, and
amounts that were previously deducted from the capital base are instead generally deducted half from Tier 1 capital
and half from Tier 2 capital.
‘Tier 1’ capital consists of ‘Share capital’ and other Tier 1 capital items.
‘Share capital’ comprises the paid-up value of ordinary shares and non-innovative Tier 1 capital instruments such as
irredeemable preference shares on which dividends are non-cumulative.
Other Tier 1 capital includes retained earnings, certain reserves and innovative Tier 1 capital instruments up to
certain limits.
‘Tier 2’ capital consists of ‘Upper Tier 2’ capital and lower Tier 2 capital.
‘Upper Tier 2’ capital includes perpetual cumulative preference shares, mandatory convertible notes and
subordinated debt, excess Tier 1 capital instruments, and revaluation reserves of premises, securities and other
assets. Under Basel I and the standardised approach to credit risk under Basel II, upper Tier 2 capital also includes
the eligible amount of provisions for credit losses (up to a maximum of 1.25 per cent of risk-weighted assets). Banks
using the Basel II internal ratings based approach can include any excess of eligible provisions over the amount of
their expected losses in upper Tier 2 capital (up to a limit of 0.6 per cent of risk-weighted assets).
Lower Tier 2 capital includes limited life redeemable preference shares, term subordinated debt and other similar
instruments; it cannot exceed 50 per cent of Tier 1 capital.
‘Tier 2’ capital cannot exceed ‘Tier 1’ capital.
Under Basel I, the ‘Total capital base’ is calculated as the sum of net Tier 1 and net Tier 2 capital minus additional
capital deductions. Under Basel II, the ‘Total capital base’ is the sum of net Tier 1 and net Tier 2 capital.

‘Risk-weighted assets’ comprise a ‘credit risk’ component and a ‘market risk and other exposures’ component. Basel
II led to significant changes in the calculation of credit risk weights. Under Basel II, banks must also calculate an
explicit charge for operational risk, which is included in ‘market risk and other exposures’ from March 2008.
‘On-balance sheet’ assets represent the risk-weighted gross amounts of banking book assets.
‘Off-balance sheet’ assets represent the risk-weighted credit equivalent amounts of commitments, derivatives and
other business considered to be ‘off-balance sheet’ prior to the introduction of AIFRS.
‘Tier 1 capital ratio’ refers to Tier 1 capital expressed as a proportion of total risk-weighted assets.
‘Total capital base ratio’ refers to the capital base as a proportion of total risk-weighted assets.
B6 Breaks in series
Three break types are identified:    A - Breaks in series due to the establishment of new banks. All new banks shown. Date refers to the first mon
                                     B - Breaks in series due to other changes in bank reporting. Some smaller breaks are not listed.
                                     C - Breaks in series due to changes in the coverage and reporting of non-banks. Other than the counterpart b
Prior to January 2007, details about each of these breaks at each point in time are available in
A more detailed explanation of the impact of breaks is contained in 'Technical Note: Series Breaks in Bank, NBFI and Financial Aggregate Tables

     Date            Break type     Series title
   Jun-1990              B          All series
   Sep-1991              A          All series
   Sep-1991              B          All series
   Sep-1992              A          All series
   Sep-1992              B          All series
   Dec-1992              B          All series
   Sep-1993              B          All series
   Mar-1994              A          All series
   Jun-1994              B          All series
   Sep-1994              B          All series
   Sep-1995              A          All series
   Mar-1998              B          Risk-weighted assets - Credit risk - On-balance sheet
   Mar-1998              B          Risk-weighted assets - Credit risk - Off-balance sheet
   Mar-1998              B          Risk-weighted assets - Total
   Mar-2008              B          Capital - Tier 1
   Mar-2008              B          Capital - Tier 2
   Mar-2008              B          Capital - of which: Upper tier 2
   Mar-2008              B          Capital - Total capital base
   Mar-2008              B          Risk-weighted assets - Credit risk - On-balance sheet
   Mar-2008              B          Risk-weighted assets - Credit risk - Off-balance sheet
   Mar-2008              B          Risk-weighted assets - Market risk and other exposures
   Mar-2008              B          Risk-weighted assets - Total
   Mar-2008              B          Tier 1 capital ratio
   Mar-2008              B          Total capital base ratio
ent of new banks. All new banks shown. Date refers to the first month in which the institution reported as a bank.
in bank reporting. Some smaller breaks are not listed.
 coverage and reporting of non-banks. Other than the counterpart breaks associated with the conversion of NBFIs to banks and transfer of assets and liabilities from NBFI
                         'Historical series breaks'.
Note: Series Breaks in Bank, NBFI and Financial Aggregate Tables' in the December 1992 Bulletin .

                                                     Details




                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
                                                     Break due to the introduction of the Basel II capital framework on 1 January 2008. This involved new reporting forms
to banks and transfer of assets and liabilities from NBFIs to banks. Some smaller breaks are not listed.




k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.
k on 1 January 2008. This involved new reporting forms as well as changes to the components of several series.

								
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