PET - Plain English Taxonomy

Attribute:	R00991
Concept:	Financial Risk Credit Revolving Credit Past Due Amount
Label:	Past due amount - revolving credit
Concept Guidance:	This is the past due amount (see below) of all revolving credit facilities. The past due amount is calculated as:(1) if the facility is not subject to a regular repayment schedule it is the amount that has remained continuously outside contractual or approved arrangements; or(2) if the facility is subject to a regular repayment schedule then it is the total amount of contractual payments that remain unpaid beyond their due dates. Revolving credit is a loan arrangement in which the borrowing party may repay funds on loan and immediately borrow it again up to an agreed limit.

Dimensions

Dimension	Member	Description
AssetQualityDimension	(NinetyDaysOrMorePastDue)	This dimension classifies assets according to the likelihood of their full economic benefits being realised. The information reported is in relation to items that are 90 days or more past-due. Past-due is as defined in Prudential Standard APS 220 Credit Risk Management (APS 220).
CreditMgtDimension	(Portfolio)	Classifies the reported data according to method by which the reporting party manages problems related to its credit exposure. The reported data relates to credit problems managed on a portfolio basis. Exposures managed on a portfolio basis are typically homogenous and often approved and managed using statistical management techniques. Portfolio managed exposures are often not subject to formal regular review other than in cases where payments are behind agreed repayment schedules or indebtedness is outside approved limits.
JurisdictionDimension	(Australian)	This dimension is used to categorise reported information according to the jurisdictional reach to which that information relates. Data reported is within the jurisdictional reach of Australia.
LoanPurposeDimension	(NotHousing)	Information in relation to the intended purpose of the counterparty in regards to loan agreements entered into by the entity. Information in relation to loans where the funds are not used for the purchase, renovation or development of residential property.
LoanSecurityDimension	(NotSecuredResMortgage)	The characteristic of whether or not assets have been pledged to secure the repayment of funds under a credit or other lending activity in the case of default by the borrower. The repayment of funds advanced have not been secured through a residential mortgage to satisfy the debt in the case of default by the borrower.