For personal use only

For personal use only

For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
 Financial performance
For personal use only
 Balance sheet and capital
For personal use only
 Residential mortgage growth
For personal use only
For personal use only

▪
▪
▪
▪

▪
Cash earnings
 Net interest margin
▪
For personal use only

▪
▪

▪
For personal use only

▪
▪
▪
▪
▪
Other income
 Homesafe investment property portfolio
▪
For personal use only

▪
 Operating expenses
▪
For personal use only

▪
 Bad and doubtful debts
•
For personal use only

•
 Arrears remain benign
For personal use only
 Consumer division
▪
For personal use only

▪
▪
•
•
▪

▪
▪
 Business division
•
For personal use only

•
•
 Agribusiness division
▪
For personal use only

▪
▪

▪
▪

▪
 Strong CET1 position
▪
For personal use only

▪
 Industry leading funding position
▪
For personal use only

▪
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only

tictochomeloans.com
For personal use only
For personal use only

Bcause.com.au
 Funding
For personal use only

≤ 0.01% > 0.01% - ≤ 0.25%

> 0.25% - ≤ 1.50% > 1.50%

2
For personal use only
Key capital ratios
For personal use only
For personal use only
Liquidity
For personal use only
Residential lending
 Residential lending portfolio
For personal use only

•
 Secure and low risk loan portfolios
For personal use only

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▪

▪
▪
▪

▪
▪

▪
 Specific provisions
For personal use only

Represented by
For personal use only

•
•
•
•
•
AASB 9
For personal use only

▪
▪
▪
▪
Great Southern
For personal use only
Business
For personal use only
Agribusiness
 The Community Bank® model
▪
For personal use only

▪
For personal use only

•
•
•
Alliance Bank®
 Homesafe investment property portfolio (statutory earnings)
For personal use only
 Homesafe accounting treatment – illustrative example
For personal use only
 Statutory earnings to cash earnings - reconciliation
For personal use only
For personal use only
For personal use only