Page 15 - Pillar 3 Disclosure
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Table 3 provides details of the calculation of capital resource requirements for the Society as at 30 November 2013.



Table 3

Capital Resources Requirement
  


Exposure  Risk weighted Minimum 

 asset value capital 

required    

Credit Risk      £000   £000 £000


Non-cash liquidity exposures:
   

Central government  52,385
   0 0

Institutions 42,529  7,898  632
   


Short term claims on institutions  17,436
   3,488 279

Total non-cash liquidity exposures     112,350
11,386 911

Loans and advances to customers:

Residential use – performing loans and advances
480,682
172,141 13,771 


Residential use – past due loans and advances 7,410
   8,760 701 

Total loans and advances to customers     488,092
180,901 14,472

Other exposures


Fixed and other assets
4,039
5,094 408

*Risk weighted asset value includes off-balance sheet items.
   

Total other exposures  4,039
     5,094 408

Credit Risk – capital resources required      604,481     197,381     15,791      


Operational risk – capital resources required              1,343      

Total capital resources required              17,134      

Net capital resources (Table 2)              33,400





















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