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1 APRA 30 April 2012 The Basel II Capital Accord principles took effect in Australia on 1 January The framework for the application of Basel II in Australia is comprised of three pillars: Pillar 1: More sophisticated calculation of minimum capital requirements; Pillar 2: Institutions own assessments of their capital adequacy and enhanced supervision of capital management; and Pillar 3: Materially increased disclosure requirements. The Bank of Queensland Limited Group ( the Group ) commenced reporting its regulatory disclosures to APRA under the requirements of Pillar 1 from January 2008 using the Standardised approach. The Group has also implemented the Pillar 2 regime including documentation of its Internal Capital Adequacy Assessment Process ( ICAAP ) and increased management supervisory review and assessment. The Pillar 3 requirements mandated by APRA prudential standard APS 330, Capital Adequacy: Public Disclosure of Prudential Information, involve the disclosure of regulatory capital structure, capital adequacy and credit risk information. The Bank of Queensland Group Pillar 3 disclosures below have been prepared using 29 February 2012 data in accordance with APRA s requirements. Bank of Queensland will be updating components of its Pillar 3 disclosures on a quarterly basis, with additional disclosures provided on a semi-annual basis in alignment with the Group s annual and half year reporting periods
2 Table 15: Capital Structure Tier 1 capital Paid-up ordinary share capital 1,990.2 Reserves 38.2 Retained earnings, including current year earnings Innovative Tier 1 capital - Non-innovative Tier 1 capital Gross Tier 1 capital 2,339.6 Deductions from Tier 1 capital Goodwill (546.3) Deferred expenditure (106.9) Other deductions (166.9) Total Tier 1 capital deductions (820.1) Net Tier 1 capital 1,519.5 Tier 2 capital Upper Tier 2 capital Lower Tier 2 capital Gross Tier 2 capital Deductions from Tier 2 capital Tier 2 deductions (39.7) Total Tier 2 capital deductions (39.7) Net Tier 2 capital Total capital base 2,
3 Table 16: Capital Adequacy Risk Weighted Assets Subject to the Standardised approach Corporate - Government 4.9 Bank Residential Mortgage 11,039.8 Other retail 7,228.7 Other 74.1 Total capital requirement subject to the standardised approach 18,535.5 Credit risk capital requirement relating to securitisation exposures Market risk minimum capital requirement Operational risk minimum capital requirement 1,735.0 Total RWA and capital requirement 20,671.4 Capital ratios % Level 2 Total capital ratio 10.8 Level 2 Tier 1 capital ratio 7.4 Risk Weighted Assets Subject to the Standardised approach Corporate - Government 4.9 Bank Residential Mortgage 10,827.0 Other retail 7,342.5 Other 68.8 Total capital requirement subject to the standardised approach 18,407.2 Credit risk capital requirement relating to securitisation exposures Market risk minimum capital requirement Operational risk minimum capital requirement 1,685.0 Total RWA and capital requirement 20,475.3 Capital ratios % Level 2 Total capital ratio 11.6 Level 2 Tier 1 capital ratio
4 Table 17: Credit Risk Credit Type Cash and due from financial institutions Debt securities Loans and advances 30, ,882.4 Non market off balance sheet exposures 1, ,395.1 On market off balance sheet exposures 43, ,928.7 Other Total exposures 77, ,183.9 Credit Portfolios subject to Standardised approach Corporate - - Government Bank 44, ,505.9 Residential Mortgage 24, ,332.7 Other retail 7, ,905.5 Other Total exposures 77, ,183.8 Impaired Past due > 90 days Specific balance Charges for specific Portfolios subject to the Standardised approach Write-offs Corporate Government Bank Residential Mortgage Other retail Other Total Balance General reserve for credit losses
5 Table 17: Credit Risk Credit Type Cash and due from financial institutions Debt securities Loans and advances 30, ,827.1 Non market off balance sheet exposures 1, ,249.9 On market off balance sheet exposures 38, ,931.6 Other Total exposures 71, ,135.9 Credit Portfolios subject to Standardised approach Corporate - - Government Bank 38, ,738.6 Residential Mortgage 24, ,041.6 Other retail 7, ,998.9 Other Total exposures 71, ,135.9 Impaired Past due > 90 days Specific balance Charges for specific Portfolios subject to the Standardised approach Write-offs Corporate Government Bank Residential Mortgage Other retail (21.4) 43.6 Other Total (15.5) 49.7 Balance General reserve for credit losses
6 Table 18: Securitisation s Current Period Securitisation Activity Gain or Loss on Sale Current Period Securitisation Activity Gain or Loss on Sale Type banking (45.8) - (64.8) - trading Liquidity (0.8) Funding (13.1) Swaps (6.4) Other (1) (5.3) - (27.4) - Total (71.4) - (79.1) - banking trading Liquidity Funding Swaps Other (1) Securitisation On-balance sheet securitisation exposure retained or purchased ,019.1 Off-balance sheet securitisation exposure Total ,019.1 banking trading Liquidity Funding Swaps Other (1) Securitisation On-balance sheet securitisation exposure retained or purchased ,024.4 Off-balance sheet securitisation exposure Total ,024.4 (1) s relate to notes Bank s on balance sheet securitisation vehicles
18,343 18,308 3 Accumulated other comprehensive income (and other reserves)
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