BASEL II PILLAR III DISCLOSURE
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1 BASEL II PILLAR III DISCLOSURE Page 1
2 1. SCOPE AND APPLICATION Ithala Limited is a wholly owned subsidiary of Ithala Development Finance Corporation Limited. Ithala Development Finance Corporation Limited is not registered as a controlling Company in terms of the Banks Act, and as such Basel II Pillar III disclosure requirements apply only to Ithala Limited. However, the financial results of Ithala Limited are consolidated and presented in the consolidated annual financial statements of Ithala Development Finance Corporation Limited. 2. BASIS OF COMPILATION The following information is compiled in terms of Regulation 43 of the Bank s Act 1990 (as amended) the ( Regulations ) which incorporates Basel II, Pillar III requirements on market discipline. All disclosures presented below are consistent with those disclosed in terms of the Company s accounting policies, unless otherwise stated. 3. PERIOD OF REPORTING This report covers the six months ended. Comparative information is presented for the previous year end to. 4. CAPITAL MANAGEMENT 4.1. Capital adequacy Capital requirements are calculated using the Standardised Approach for credit risk and the Basic Indicator approach for operational risk. Other relates to other assets, which in terms of Regulation 23 of the Banks Act are grouped with credit risk for the purposes of calculating regulatory capital, effectively using the same approach as for credit risk. Regulatory Capital requirements as at Exposure Capital requirements Risk weighted exposure R 000 R 000 R 000 R 000 Credit risk Operational risk Other Total Capital Adequacy Ratio as at Actual Minimum Capital requirements Capital Adequacy ratio 10% 11.64% 12.42% Primary share capital and reserve funds adequacy ratio 7% 10.82% 11.63% Total risk weighted assets (R 000) Page 2
3 As at the capital adequacy ratio was 11.64% ( : 12.42%) The Company s capital adequacy ratio was above the minimum level required by the South African Reserve Bank of 10% Capital Structure Tier l capital consists of issued ordinary shares, share premium and retained income. Tier ll capital is calculated as 1.25% of credit risk weighted exposures limited to the amount of general allowance for credit impairments. September R'000 R'000 Share capital Share premium (Accumulated Loss) / Retained income (16 165) Prescribed deductions against capital and reserve funds (6 462) (49 313) Total tier 1 capital % of Credit Risk weighted assets Total Tier II capital Total qualifying capital CREDIT RISK EXPOSURES 5.1 Major types of credit risk exposures The aggregate amount of gross credit exposure after the effect of set-off but before the effects of credit risk-mitigation techniques is displayed below: Total Gross Exposure of of R'000 R'000 R'000 R'000 R'000 R'000 R'000 R'000 Commercial Loans Property development loans Housing loans > R500k Sub-total Other loans Total Page 3
4 Average Gross Exposures of of R'000 R'000 R'000 R'000 R'000 R'000 R'000 R'000 Commercial Loans Property development loans Housing loans > R500k Sub-total Other loans Total The average gross exposures are determined by dividing the period end balance by the number of loan exposures outstanding at the end of the reporting period. 5.2 Geographical distribution of credit exposures Ithala operates solely in the province of Kwa-Zulu Natal and lends mainly to individuals in the housing mortgage sector. All exposures are within Kwa-Zulu Natal, South Africa. 5.3 Sectoral Analysis of Loans and Advances The table below displays the distribution of exposures based on industry: % R 000 % R 000 Sectoral Analysis Real Estate Construction Retail-mortgage Retail-other Total Page 4
5 Assets that are neither past due nor impaired Assets that are past due but not yet impaired Financial assets that are impaired Total Credit s R 000 R 000 R 000 R 000 R 000 Real Estate Construction Retail-Mortgage Retail-Other Total Assets that are neither past due nor impaired Assets that are past due but not yet impaired Financial assets that are impaired Total Credit s R 000 R 000 R 000 R 000 R 000 Real Estate Construction Retail-Mortgage Retail-Other Total Credit Reconciliation Portfolio s s Raised/(Released) R 000 R 000 R 000 R 000 Real Estate (20) 228 Construction 47 - (11) 36 Retail-Mortgage Retail-Other (2 273) Total (513) s Raised/(Released) R 000 R 000 R 000 R 000 Real Estate (174) 248 Construction (180) 47 Retail-Mortgage (4 414) Retail-Other Total (2 692) Page 5
6 Specific s s Raised/(Released) t R 000 R 000 R 000 R 000 Real Estate Construction (555) Retail-Mortgage (573) Retail-Other (79) Total (652) s Raised/(Released) R 000 R 000 R 000 R 000 Real Estate Construction Retail-Mortgage (2 479) (1 448) Retail-Other (7 629) Total (10 108) Total Credit s s Raised/(Released) t R 000 R 000 R 000 R 000 Real Estate Construction (566) Retail-Mortgage (573) Retail-Other (79) Total (652) s Raised/(Released) R 000 R 000 R 000 R 000 Real Estate Construction Retail-Mortgage ( 2 479) (5 862) Retail-Other (7 629) Total (10 108) Counterparty credit exposures The table below displays the major types of counterparties that Ithala is exposed to: Type of counterparty credit exposure of of R'000 R'000 R'000 R'000 R'000 R'000 R'000 R'000 Individuals Non individuals Banks Total Page 6
7 5.5 Counterparty credit exposures (Continued) Counterparty credit exposure includes amounts held at the South African Reserve Bank (SARB) of R108 million ( : R104 million), banks, individual and non-individual. Exposures in banks are invested in fixed deposit, call and money market accounts 6. Maturity Analysis of Credit Risk Exposures Residual maturity analysis for credit risk exposures is as follows: Credit Risk Exposure relating to on statement of financial position assets: Up to 1 Month From 1 to 6 months From 6 months to 1 year From 1 year to 5 years After 5 year TOTAL R 000 R 000 R 000 R 000 R 000 R 000 Statutory Liquidity Assets Deposits with Banks Loans and Advances to Customers Receivables and Prepayment InterCompany Loan Account with Holding Company (4 621) (4 621) Total Assets subject to credit risk Credit Risk Exposure relating to off statement of financial position assets: Letters of Undertaking Issued Credit Risk Exposure relating to on statement of financial position assets: Up to 1 Month From 1 to 6 months From 6 months to 1 year From 1 year to 5 years After 5 year TOTAL R 000 R 000 R 000 R 000 R 000 R 000 Statutory Liquidity Assets Deposits with Banks Loans and Advances to Customers Receivables and Prepayment InterCompany Loan Account with Holding Company (2 868) (2 868) Total Assets subject to credit risk Credit Risk Exposure relating to off statement of financial position assets: Letters of Undertaking Issued Page 7
8 Age analysis of assets past due but not impaired R 000 Less than 30 days 31 to 60 days 61 to 90 days More than 90 days Total of Housing loans Personal Loans Commercial property loans Total Less than 31 to to 90 More than Total R days days days 90 days of Housing loans Personal Loans Commercial property loans Total INTEREST RATE RISK IN THE BANKING BOOK The table below demonstrates the re-pricing gap between The Company's assets and liabilities upon the application of a change in market interest rates. The table shows the impact of a 2% increase / decrease in interest rates on the net interest income of the Company. The scenario analysis is limited to the impact on interest income and expenditure over the period of 12 months. The application of the change in interest rates is applied to a static balance sheet and is in accordance with Regulation 30 of the Banks Act, The sensitivity analysis below has been presented on a net interest income basis to reflect the operations of the entity: Increase: At R'000 At R'000 Impact of increase in yield on assets on comprehensive income Increased net interest income percentage 41% 32% Impact of increase in cost of funds on comprehensive income (27 187) (23 220) Decreased net interest income percentage (27%) (21%) Decrease: Impact of decrease in yield on assets on comprehensive income (42 014) (36 825) Decreased net interest income percentage (41%) (33%) Impact of decrease in cost of funds on comprehensive income Increased net interest income percentage 25% 19% Page 8
9 8. QUALITATIVE DISCLOSURES AND ACCOUNTING POLICIES The regulations require that certain qualitative disclosures and statements on accounting policy be made. These disclosures and statements on accounting policy were made in the annual report for the financial year ended. The above disclosures should be read in conjunction with these qualitative disclosures. Page 9
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