PET - Plain English Taxonomy

ARF_199_0: Restricted ADI
Effective date: 1 January 2022

Australian Business Number	Institution Name

Reporting Period	Scale Factor
Monthly	Whole dollars
Reporting Consolidation
Level 1 / Level 2

Section A: Capital

	Amount
	(1)
1. Capital
1.1. Paid-up ordinary share capital	CS02000
1.2. Mutual equity interests	CS26468
1.3. Retained earnings	CS26459
1.4. General reserve	CS23799
1.5. Regulatory adjustments
1.5.1. Total capitalised expenses	CS26460
1.5.2. Capitalised expenses - IT software costs	CS17711
1.5.3. Other capitalised expenses	CS26461
1.5.4. Goodwill	CS02006
1.5.5. Other regulatory adjustments	CS26462
1.6. Total CET1	CS23805
1.7. Capital as % of adjusted assets	CS26463


2. Shareholders

Top 10 shareholders	Amount of ownership interest	Percentage of ownership
(1)	(2)	(3)
CS26464	CS26465	CS26466

Section B: Liquidity

	Amount
	(1)
3. Minimum Liquid Holdings
3.1. Cash	BSAO16000
3.2. Deposits held with other ADIs	BSAO24227
3.3. Australian government and semi-government securities	BSAO24222
3.4. Bank bills, CDs issued by ADIs	BSAO16006
3.5. Total MLH	BSAO16010
3.6. Off balance sheet irrevocable commitments	CS09014
3.7. Adjusted liability base	BSL15010
3.8. Stored value at risk liabilities	BSL22736
3.9. MLH ratio	BSAO16012



Section C: Deposit information

4. FCS protected accounts

Deposit balance	Number of account holders - FCS protected accounts	Number of account holders - non-protected accounts
(1)	(2)	(3)
BSL22737	BSL22738	BSL22739
Balance > $0 to <= $50
Balance > $50 to <= $1,000
Balance > $1,000 to <= $5,000
Balance > $5,000 to <= $25,000
Balance > $25,000 to <= $100,000
Balance > $100,000 to <= $250,000
Balance > $250,000

4.1. Total number of account holders	BSL22755	BSL22756

	Total value
	(1)
4.2. Total deposits held in protected accounts	BSL22707
4.3. Total deposits held in non-protected accounts	BSL22717



Section D: Balance sheet assets

	Amount
	(1)
5. Total assets	BSAO11072
5.1. Cash and liquid assets	BSAO11018
5.2. Trading securities	BSAO27469
5.3. Investment securities	BSAO27479

	Balance outstanding	Individual provision	Collective provision
	(1)	(2)	(3)
5.4. Loans to households
5.4.1. Housing - owner-occupied	BSAO27563	BSL22040	BSL22740
5.4.2. Housing - investment	BSAO27566	BSL22041	BSL22741
5.4.3. Revolving credit	BSAO29552	BSL22742	BSL22743
5.4.4. Credit cards	BSAO27572	BSL22044	BSL22744
5.4.5. Leasing	BSAO27574	BSL22045	BSL22745
5.4.6. Personal term loans	BSAO27578	BSL22047	BSL22746
5.5. Loans to community service organisations	BSAO27582	BSL22049	BSL22050
5.6. Loans to non-financial corporations	BSAO27585	BSL22051	BSL22052
5.7. Loans to general government	BSAO27603	BSL22058
5.8. Loans to financial institutions	BSAO27612	BSL22062	BSL22063
5.9. Intragroup loans and advances	BSAO29553	BSL22747	BSL22748

	Amount
	(1)
5.10. Investments - related entities	BSAO29554
5.11. Investments - non-related entities	BSAO29555
5.12. Net fixed assets excluding information technology	BSAO29556
5.13. Net information technology	BSAO17472
5.14. Net intangible assets	BSAO11063
5.15. Other assets	BSAO29557

Section E: Balance sheet liabilities

	Amount
	(1)
6. Total liabilities	BSL10016
6.1. Due to financial institutions	BSL10902

	Transaction accounts	Non-transaction accounts
	(1)	(2)
6.2. Deposits
6.2.1. Households	BSL22113	BSL22749
6.2.2. Non-financial corporations	BSL22148	BSL22750
6.2.3. Financial institutions	BSL22211	BSL22751
6.2.4. General Government	BSL22190	BSL22752
6.2.5. Community service organisations	BSL22141	BSL22753

	Amount
	(1)
6.3. Intra-group deposits	BSL16036
6.4. Certificates of deposit	BSL10909
6.5. Short term borrowings	BSL10917
6.6. Long term borrowings	BSL10931
6.7. Loans and advances from related entities	BSL22754
6.8. Income tax liability	BSL10920
6.9. Provisions	BSL10330
6.10. Creditors and other liabilities	BSL10938
6.11. Loan capital and hybrid securities	BSL10941

	Amount
	(1)
7. Off-balance sheet exposures
7.1. Commitments with certain drawdown	CS17108
7.2. Contingent liabilities	CS26467

Section F: Non-performing assets and past due

	Amount
	(1)
8. Non-performing loans	R14756
8.1. Households	R14757
8.2. Non-financial corporations	R14758
8.3. Financial institutions	R14759
8.4. Community service organisations	R14760
8.5. Other	R14761
9. Past due loans	R14762
9.1. Households	R14763
9.2. Non-financial corporations	R14764
9.3. Financial institutions	R14765
9.4. Community service organisations	R14766
9.5. Other	R14767

Section G: Large and related exposures

10. Related party

Name of related party	Total exposures
(1)	(2)
E16219	E16215

11. Large exposures

Counterparty	Total exposures	Total exposures as % of capital
(1)	(2)	(3)
E16216	E16217	E16218

Section H: Financial performance

	Amount
	(1)
12. Total operating income	PL10290
12.1. Interest income	PL00337
12.2. Fee income	PL20140
12.3. Other income	PL20141
13. Total operating expenses	PL10291
13.1. Interest expense	PL00381
13.2. Personnel expenses	PL00147
13.3. IT services expenses	PL03005
13.4. Charge for bad and doubtful debts	PL10084
13.5. Depreciation and amortisation expenses	PL20142
13.6. Directors fees	PL03012
13.7. Other expenses	PL20143
14. Tax expenses	PL10124
15. Net profit after tax	PL10297