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Bankstown City Credit Union Financial Services for the life you want! Best of the Best Money Magazine Winner 2006Best of the Best Money Magazine Winner 2007SmartInvestor Blue Ribbon Awards Winner 2008
Prudential Disclosure

Public Disclosure of Prudential Information In accordance with APRA Prudential Standard APS 330.

Capital Structure (Annual) - 30 June 2009

Tier 1 Capital Total
Reserves $778,664
Retained Earnings $14,842,587
Innovative instruments $1,500,000
Deductions from Tier 1 -$-1,078,908
Total Amount of Tier 1 Capital (Net of Deductions) $16,042,323
Total Amount of Tier 2 Capital (Net of Deductions) $2,381,025
Total Capital Base $18,423,348

Capital Adequacy - Quarterly disclosure from 1 October to 31 December, 2009
Capital requirements

Credit Risk RWA RWA Value
Deposits with other ADIs $30,820,428 $8,147,515
Residential Mortgages $138,972,031 $49,346,932
Other Loans $8,653,601 $8,653,601
Premises & Fixed Assets $3,633,596 $3,633,596
Other Assets $2,572,720 $2,572,720
Total Credit Risk $184,652,376 $72,354,364
Securitisation $0 $0
Market Risk $0 $0
Operational Risk $9,850,881 $9,850,881
Total Tier 1 Capital Ratio   19.10%
Total Capital Ratio for the Credit Union   22.79%
Total Capital Ratio Required for the Credit Union  8.00%

Credit Risk - Quarterly disclosure from 1 October to 31 December, 2009

Gross Exposures by Portfolio Total Average
Deposits with other ADIs $30,820,428 $35,552,663
Residential Mortgages $129,215,529 $129,856,648
Other Loans $8,653,6-1 $10,521,481
Commitments $9,756,501 $11,645,766
Other Non-Market Off-Balance Sheet Exposures    
Debt Securities    
Overall $178,446,059 $187,576,557
General Reserve for Credit Losses   $623,140

Credit Risk - Quarterly disclosure from 1 October to 31 December, 2009

  Total Impaired Past Due SP $ W/O
Residential Mortgage $129,215,529   $0 $0 $0
Other $8,653,601 $536,930 $0 $344,544 $26,667
ADIs $30,820,428 $0 $0 $0 $0
Off Balance Sheet $9,756,501 $0 $0 $0 $0
Total $178,446,059 $536,930 $0 $344,544 $26,667
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