PET - Plain English Taxonomy

Attribute:	R12284
Concept:	Financial Risk Credit Credit Facilities Past Due Amount
Label:	Past due amount - Housing loans
Concept Guidance:	This is the past due amount of all credit facilities as at the relevant date.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.

Dimensions

Dimension	Member	Description
AssetQualityDimension	(PastDue90D)	This dimension classifies assets according to the likelihood of their full economic benefits being realised. The data reported relates to credit exposures where the following criteria are met: (a) the facility is not subject to a regular repayment schedule and has remained continuously outside contractual or approved arrangements for a period of 90 days; or (b) the facility is subject to a regular repayment schedule and: (i) at least 90 calendar days have elapsed since the due date of a contractual payment that has not been met in full; and (ii) the total amount outside contractual arrangements is equivalent to at least 90 days' worth of contractual payments.
CounterpartyDomicileDimension	(AUResident)	This dimension categorises reported data according to the residency of the counterparty. Residency is determined by the domicile of the counterparty. Branches are classified as residents of the country in which they operate. Information in relation to transactions in which the counterparty is a resident of Australia. Residency is determined by the domicile of the counterparty. Australian branches and Australian subsidiaries of foreign businesses are regarded as Australian residents.
CounterpartyTypeDimension	(Individual)	This dimension categorises the reported data according to the type of counterparty the entity has transacted with. The counterparty in relation to the information is an individual, or group of individuals, whose dealings with the reporting party are for personal or household purposes. This does not include circumstances in which the counterparty is dealing with the reporting party in relation to a business or enterprise, regardless of how that business or enterprise is structured.
LoanPurposeDimension	(OwnerOccupiedHousing)	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 for the purpose of housing, where the funds are used for a residential property, that is occupied or to be occupied by the borrower(s) as their principal place of residence.