New Zealand Gazette – 2008 – No. 40

Page 1030

✨ Banking Regulations and Credit Risk Disclosures

1030 NEW ZEALAND GAZETTE, No. 40 27 FEBRUARY 2008

| | 100% | |
| | 150% | |
| Multilateral Development Banks and Other | 0% | |
| International Organisations | 20% | |
| | 50% | |
| | 100% | |
| | 150% | |

| Public Sector Entities | 20% | |
| | 50% | |
| | 100% | |
| | 150% | |

| Banks | 20% | |
| | 50% | |
| | 100% | |
| | 150% | |

| Corporate | 20% | |
| | 50% | |
| | 100% | |
| | 150% | |

| Residential Mortgages not past due | 35% | |
| | 50% | |
| | 75% | |

| Past due residential mortgages | 100% | |

| Other past due assets | 100% | |
| | 150% | |

| Equity holdings (not deducted from capital) that are publicly traded | 300% | |

| All other equity holdings (not deducted from capital) | 400% | |

| Other assets | 100% | |

(3) For the purpose of the disclosure required by subclause (2),
average risk weight means the exposure-weighted average of
the risk weights of individual exposures determined according
to the counterparty or type of asset or issuer as appropriate.

3 Additional mortgage information

(1) The information in subclause (2) —
(a) in respect of the banking group; and
(b) in respect of total residential mortgage loans as used to
calculate the Registered Bank’s pillar one capital
requirement for credit risk, categorised by loan-to-
valuation ratio.

(2) The following information at the off-quarter balance date:

Residential mortgages by loan-to-valuation ratio

4 Credit risk mitigation

(1) The information in subclause (2)—
(a) in respect of the banking group; and
(b) derived in accordance with either the conditions of
registration relating to capital adequacy or Capital

VUW Te Waharoa — NZ Gazette 2008, No 40

Gazette.govt.nz — NZ Gazette 2008, No 40

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✨ LLM interpretation of page content

💰 Credit Risk Calculations for Banking Group (continued from previous page)

Domain💰 Finance & Revenue
KeywordsCredit risk, Risk weights, Capital requirements, Banking regulations, Disclosure requirements

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