New Zealand Gazette – 2011 – No. 169

Page 4762

✨ Banking Capital Requirements

NEW ZEALAND GAZETTE, No. 169

4 NOVEMBER 2011

Pillar 1 capital requirements

Pillar 1 capital requirement
On-balance sheet credit risk:
Residential mortgages (including past due)
Corporate
Claims on banks
Other
Total on-balance sheet credit risk

Other capital requirements:
Off-balance sheet credit exposures
Operational risk
Market risk
Total other capital requirements
Total Pillar 1 capital requirement

4 Additional mortgage information

(1) The information in subclause (2)—

(a) in respect of the registered bank’s banking group; and

(b) in respect of total residential mortgage loans as used to calculate the registered bank’s Pillar 1 capital requirement for credit risk, categorised by loan-to-valuation ratio.

(2) The following information at the reporting date:

Residential mortgages by loan-to-valuation ratio

| Loan-to-valuation ratio | Does not exceed 80% | Exceeds 80%
and not 90% | Exceeds 90% |
|------------------------|---------------------|--------------------------|-------------|
| Value of exposures | | | |

(3) For the purpose of the disclosure required by subclause (2), any residential mortgage loan for which no loan-to-valuation ratio is available must be included in the category for loan-to-valuation ratios that exceed 90%.

5 Pillar 2 capital for other material risks

(1) The information in subclause (2)—

(a) in respect of the registered bank’s banking group; and

(b) derived in accordance with the conditions of registration relating to capital adequacy.

(2) The following information as at the reporting date:

(a) internal capital allocation for other material risks; and

(b) a summary description of the risks covered by the internal capital allocation for other material risks.

Gazette.govt.nz — NZ Gazette 2011, No 169

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✨ LLM interpretation of page content

💰 Information about ultimate parent bank and banking group (continued from previous page)

Domain💰 Finance & Revenue
KeywordsUltimate parent bank, Capital ratios, Basel II, Banking

💰 Pillar 1 capital requirements

Domain💰 Finance & Revenue
KeywordsCapital requirements, Credit risk, Operational risk, Market risk, Basel II

💰 Additional mortgage information

Domain💰 Finance & Revenue
KeywordsResidential mortgages, Loan-to-valuation ratio, Credit risk, Banking

💰 Pillar 2 capital for other material risks

Domain💰 Finance & Revenue
KeywordsCapital allocation, Material risks, Risk management, Banking

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