Important Information

Terms and Conditions, Product and Service Guides.

About Police Bank Products

Financial Services Guide (incorporating Member Product Guide)
Schedule of Fees and Charges
Schedule of Fees and Charges – Equity Maximiser
Redidial Telephone Banking Terms & Conditions
BPAY Terms and Conditions
Visa Debit Card Conditions of use
Visa Credit Card Terms and Conditions
Redicard Terms and Conditions
Cheque Facility Terms and Conditions
First Home Saver Account – Product Disclosure Statement

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General Terms and Conditions

Savings

Effective: 1 December 2012. Terms and conditions, fees and charges apply and are available on request. The product issuer for deposit and payment products is Police Bank Limited. AFSL/Australian Credit Licence No. 240018. A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product.

Online SuperSaver Account

Effective: 1 December 2012. 1. Access available from S1 account. 2. Your Online SuperSaver Account balance does not contribute to your Member Rewards. 3. Online SuperSaver Account has a tiered rate, refer to current interest rates. 4. Terms and conditions, fees and charges apply and are available on request. 5. The product issuer for deposit and payment products is Police Bank Limited. AFSL/Australian Credit Licence No. 240018. A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product.

Leasing

Effective: 1 December 2012. Police Bank recommends you seek independent advice on salary packaging.

Loans/Visa Credit Card

Effective: 1 December 2012. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply. Visa Card annual fee waivered for the first year can be withdrawn at any time.

Fixed Rate Loan

Effective: 1 December 2012. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply. An Early Repayment Fee may apply if during any fixed rate period applicable to your loan you repay:

more than $5,000 above contractual repayments (partial early repayment)
or the whole of the unpaid balance (full early repayment)

and the fixed rate that applies to the loan is more than the prevailing market interest rate at the time of early repayment.

The Early Repayment Fee is calculated to recompense us for loss of early payout. For details, please see our Fees and Charges Brochure.

The 5 year fixed rate loans are available for principal and interest loans only. No interest only loans.

Bank@POST (formerly giroPOST)

Effective: 1 December 2012. Australia Post terms and conditions: Bank@POST and its device mark are registered trade marks of The Australian Postal Corporation. All rights reserved. Make withdrawals up to $1,000 per day. Deposit cash and cheques (7 working days clearance on cheques deposited). Cheques made out in joint names will not be accepted for deposit through Bank@Post. Terms and conditions, fees and charges apply and are available on request. The product issuer for deposit and payment products is Police Bank Limited. AFSL/Australian Credit Licence No. 240018. A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product.

Christmas Club

Effective: 1 December 2012. Terms and conditions, fees and charges apply and are available on request. 1. A withdrawal fee is payable if you withdraw money between 1 January and 31 October. Please refer to our fees and charges brochure. The product issuer for deposit and payment products is Police Bank Limited. AFSL/Australian Credit Licence No. 240018. A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product.

Visa Debit Card

Allianz

In arranging this insurance, Police Bank, acts as an agent of the insurer Allianz Australia ‎Insurance Limited ABN 15 000 122 850 AFS Licence No 234708.

Effective: 1 December 2012. Allianz Australia Insurance Limited (Allianz) AFSL No: 234708, ABN 15 000 122 850 of 2 Market Street, Sydney NSW 2000 is the issuer of this insurance. In arranging this insurance Police Bank,AFSL/Australian Credit Licence No.240018, ABN 95 087 650 799, acts as an agent for Allianz not as your agent. The information contained in this guide is a summary only. We do not advise you whether the insurance is appropriate for your personal objectives, financial situation or needs. To decide if it is appropriate for you, please carefully read the Product Disclosure Statement where relevant, which are available from Police Bank. If you purchase this policy, we will charge you an agreed premium, including any relevant taxes and charges. The total premium may vary due to rounding. If you buy Allianz products, Police Bank may be paid a commission of up to 30% of the premium. For more details ask Police Bank. Please note: When obtaining a quote you will be entering Allianz’s website and you must comply with the Allianz privacy policy.

The product issuer for deposit and payment products is Police Bank Limited. AFSL/Australian Credit Licence No. 240018. A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product.

Terms and conditions, fees and charges apply and are available on request.

Health Insurance

Effective: 1 December 2012. Issued by The Hospitals Contribution Fund of Australia Limited (HCF) ABN 68 000 026 746 Police Bank is not a Health insurer and recommends you read all terms and conditions and obtain independent advice before choosing any insurance plan. Offer only available to new member taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for pregnancy and birth related services, pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care service, which have a 2 month waiting period, are also excluded from this waiver offer. Police Bank may be paid a commission of up to 4% of the annual premium.

Terms and conditions, fees and charges apply and are available on request.

Member Rewards

Applicable as at: 1 December 2012. The Member Rewards program rewards you for doing business with Police Bank. The program gives you more fee free personal cheques, ATM and EFTPOS transactions than would normally apply to our Member’s accounts. Member Rewards are assessed on a calendar monthly basis. Individual and primary joint account holders qualify for Member Rewards where the combined balances of all savings, investments and drawn loans within the one membership only are kept over $5,000 for the whole calendar month. Secondary joint account holders qualify for Member Rewards for transactions on the joint S1 account or where the combined balances of any of your individual accounts are kept over the $5,000 for the whole calendar month. Transactions conducted using the Visa Credit Card do not count towards Member Rewards. Member Rewards do not apply to fees for ATM balance inquiries, Visa Cash advances, overseas ATM withdrawals or AMS securitised mortgage, Equity Maximiser loans, Police Value Home Loans approved before 1st July 2011, Goldrate Home Loan, Online SuperSaver Account or Leasing accounts. Refer Fees and Charges brochure.

Terms and conditions, fees and charges apply and are available on request.

Bridges Financial Planning

Effective: 1 December 2012. Bridges ASX Participant, AFSL No. 240837. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the PDS in deciding whether to use a particular product. In referring Members to Bridges, Police Bank does not accept any liability or responsibility for any act or omission or advice provided by Bridges or its Authorised representatives. Bridges pay referral fees ranging from 0% to 30% of the entry and/or any ongoing fee (plus incentive payments from the amount you pay Bridges).

Insurance Commissions

When we sell insurance policies, Police Bank is paid a commission by the product issuer based on the premium paid by you (20% for QBE Insurance (Australia) Limited products; 4% for HCF Health Insurance; 30% for Allianz Travel Insurance and 20% for American Home Assurance Company Personal Injury Cover). When providing these products to you we are acting on behalf of our business partners and not as your agent. A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. You should read and consider the FSG and your personal needs or financial circumstances before deciding to use any product.

Equity Maximiser

Applicable as at 1 December 2012. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply – refer to the Equity Maximiser fees and charges brochure for the full listing of fees and charges.

No establishment fees or Police Bank legal fees if you:
(a) consolidate all of your existing Police Bank memberships into one Police Bank membership by closing all but one of your existing memberships; and
(b) obtain or have a Police Bank Visa Credit Card; and
(c) have only one security property and the cost of the valuation does not exceed $230. Otherwise $545 establishment fee and additional/excess valuation fees apply.
Important Notice: Even though the Equity Maximiser product offers great flexibility, it does require financial discipline by Members in their management of the account. It is important to be aware that repeatedly redrawing or withdrawing available credit from the facility (even while making repayments) could increase debt levels. Only making minimum repayments will also create a situation where the amount of the indebtedness over time will not reduce. Police Bank therefore recommends the Equity Maximiser product only to those Members who understand how equity mortgages operate and have sufficient financial discipline to benefit from the product. While our loans staff are available to answer any queries in relation to Equity Maximiser, we also recommend that you consider seeking independent financial advice.

Deposit and payment product issuer: Police Bank Limited. ABN 95 087 650 799.AFSL/Australian Credit Licence No. 240018. Level 27, 1 Market Street Sydney NSW 2000.

Terms and conditions, fees and charges apply and are available on request.

Payroll

A Financial Services Guide (FSG) including terms and conditions is available from this page, or upon request. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product.

Terms and conditions, fees and charges apply and are available on request.

Reduce your fees and charges

*The Member Rewards Program rewards you for doing business with the Police Bank. The program gives you more fee free personal cheques, electronic periodical payments, ATM and EFTPOS transactions than would normally apply to our Members accounts. (Refer to Schedule Fees and Charges brochure and Member Rewards brochure.)

# Access to the service is free however certain transactions may attract a fee see current fees and charges brochure.

Terms and conditions, fees and charges apply and are available on request.

APS 330 Public Disclosure of Prudential Information

This disclosure on the capital and credit risk refers to Police Bank Limited (ABN 087 650 799). The information is prepared on the group basis including all subsidiaries of the Police Bank.

CAPITAL MANAGEMENT

The capital levels are prescribed by Australian Prudential Regulation Authority (APRA). Under the APRA prudential standards APS 110, 111, 112, 114, 116 where capital is determined in three components

Credit risk
Market risk (trading book)
Operations risk

The market risk component is not required by Police Bank since Police Bank is not engaged in a trading book activities for financial instruments.

CAPITAL RESOURCES

Under the prudential standards capital is segregated into Tier 1 and Tier 2 components.

Tier 1 Capital

The vast majority of Tier 1 capital comprises:

Retained profits
Realised reserves

The preference shares issued were approved by APRA qualify as Tier 1 capital.

Tier 2 Capital

Tier 2 capital consists of capital instruments that combine the features of debt and equity in that they are structured as debt instruments, but exhibit some of the loss absorption and funding flexibility features of equity. There are a number of criteria that capital instruments must meet for inclusion in Tier 2 capital resources as set down by APRA.

Tier 2 capital generally comprises:

A General Reserve for Credit Losses.

Capital in the Police Bank is made up as follows:

	30 June 2012
Tier 1
Capital Reserve	340,280
General Reserve	36,797,000
Retained Earnings	93,549,757
	130,687,037

Less prescribed deductions
Equity in other ADI’s	1,253,810
Equity in other entities	637,185
Intangible assets	513,546
Deferred Tax Asset	1,041,196
Other	2,878,718
Total Deductions	6,324,455

Net Tier 1 capital

124,362,582

Tier 2
Reserve for credit losses	3,270,306
Asset revaluation reserve	120,993
Total	3,391,299
Less prescribed deductions	2,253,810
Net tier 2 capital	1,137,489
Total Capital Base	125,500,071

RISK WEIGHTED ASSETS

The total of risk weighted assets comprises

1. Credit risk weighted for on balance sheet assets
2. Credit risk weighted assets for commitments to issue funds for loans and other guarantees
3. Operational risk charge as described in APS 114.

These components are described below

The risk weights attached to each asset are based on the weights prescribed by APRA in its Guidance AGN 112-1. The general rules apply the risk weights according to the level of underlying security.

	Risk weighted value 31 March 2013	Risk weighted value 31 December 2012
Cash Items	0	0
Funds on Deposit in highly rated ADI’s	34,113,031	34,955,717
Funds on Deposit in less highly rated ADI’s	41,094,770	38,166,401
Residential Mortgages up to 80% LVR	195,328,035	197,763,957
Residential Mortgages over 80% LVR	138,719,507	128,345,021
Other Loans and Assets	160,320,669	163,310,701
Fixed Assets	4,567,586	3,062,705
Total Credit Risk Assets	574,143,598	565,604,502

Off-Balance Sheet assets	35,839,179	24,357,184
Operational Risk assets	68,380,486	68,192,362

Total risk weighted assets

678,363,263

658,154,048

The capital required and held is as follows:

	31 March 2013 Unaudited	31 December 2012 Unaudited
Deposits at Bank and other ADI’s	6,016,625	5,849,769
Loans – Residential Mortgages	26,723,803	26,088,718
Other Assets and Claims	12,819,980	13,064,856
Fixed Assets	365,407	245,016
Off Balance Sheet Items	2,866,434	1,948,576
Capital requirements for Credit Risk (8% RWA)	48,792,249	47,196,935
Capital requirements for Market Risk	-	-
Capital requirements for Operational Risk (8% RWA)	5,461,389	5,455,389
	54,253,638	52,652,324

Capital held by the Police Bank

123,411,045

120,818,425

Total Capital Ratio for the Police Bank	18.19%	18.35%
Tier 1 Capital Ratio for the Police Bank	17.67%	18.35%

The level of capital ratio can be affected by growth in asset relative to growth in reserves and by changes in the mix of assets.

CREDIT RISK EXPOSURES

(i) Investments
Surplus cash not invested in loans to members are held in high quality liquid assets. This included the funds required to be held to meet withdrawal of deposits by members of Police Bank.

External Credit Assessment for Investments
Police Bank uses the ratings of reputable ratings agencies to assess the credit quality of all investment exposure, where applicable, using the credit quality assessment scale in APRA prudential Guidance APG112. The credit quality assessment scale within this standard has been complied with.

The exposure values associated with each credit quality step are as follows:

	31 March 2013 Unaudited	31 December 2012 Unaudited	Average Exposure
Cuscal	14,965,067	18,633,807	16,799,437
Major Banks	70,063,238	88,781,944	79,422,591
Other Rated ADIS	125,970,370	101,083,195	113,526,783
Unrated Institutions	58,529,661	60,596,620	59,563,141
	269,528,336	269,095,566	269,311,952

(ii) Loans
The classes of loans entered into by Police Bank is limited to loans; commitments and other non-market off-balance sheet exposures. Police Bank does not enter into debt securities; and over-the-counter derivatives.

The analysis of the Police Bank’s loans by class, is as follows:

31 March 2013
Loans to	Amount Outstanding	Commitments, Redraws & Overdraft Facilities Undrawn	Undrawn Value	Average Exposure
Mortgage Secured Loans	868,552,848	60,667,022	13,154,346	864,727,689
Personal Loans	112,030,271	698,785	0	112,397,976
Overdrafts and Credit Cards	27,689,698	55,269,346	42,115,000	27,214,854
Corporate	56,322	41,274,540	-	41,105,067
Total to Members	1,008,329,139	157,909,693	52,269,346	1,045,445,586

31 December 2012
Loans to	Amount Outstanding	Commitments, Redraws & Overdraft Facilities Undrawn	Undrawn Value	Average Exposure
Mortgage Secured Loans	860,902,529	50,289,752	13,455,466	851,967,181
Personal Loans	112,765,681	415,724	0	113,517,260
Overdrafts and Credit Cards	26,740,010	55,848,466	42,393,000	26,670,955
Corporate	56,524	40,935,595	-	40,653,498
Total to Members	1,000,464,745	147,489,537	55,848,466	1,032,808,894

IMPAIRMENT DETAILS

The level of impaired loans by class of loan is set out below. In the Note below.

Carrying Value is the amount of the balance sheet gross of provision (net of deferred fees)
Impaired loans value is the ‘on balance sheet’ loan balances which are behind in repayments past due by 30 days or more
Provision for impairment is the amount of the impairment provision allocated to the class of impaired loans
The losses in the period equate to the additional provisions set aside for impaired loans, and bad debts written off in excess of previous provision allowances.

As at 31 March 2013
	Impaired Loan Balance	Past Due Loan Balances	Collective Provision for Impairment	Bad Debts Written Off
Mortgage Secured Loans	1,624,667	1,079,561	952,689	0
Personal Loans	656,716	586,171	438,313	118,237
Total to Members	2,281,383	1,665,732	1,391,002	118,237

As at 31 December 2012
	Impaired Loan Balance	Past Due Loan Balances	Collective Provision for Impairment	Bad Debts Written Off
Mortgage Secured Loans	1,744,705	1,215,970	1,023,218	0
Personal Loans	662,368	631,018	412,770	110,853
Total to Members	2,407,073	1,846,988	1,435,988	110,853

The impaired loans are generally not secured against residential property. Some impaired loans are secured by bill of sale over motor vehicles or other assets of varying value. It is not practicable to determine the fair value all collateral as at the balance date due to the variety of assets and condition.

	31 March 2013	31 December 2012
On Balance Sheet	-	-
Off Balance Sheet	3,231,179	3,752,433
Total	3,231,179	3,752,433

Reserve for credit losses

In addition to the above provision for impairment, the board has recognised the need to make an allocation from retained earnings to ensure there is adequate protection for members against the prospect that some members will experience loan repayment difficulties in the future. The reserve is based on estimation of potential risk in the loan portfolio based upon the level of security taken as collateral.

The reserve has been determined on the basis of the past experience with the loan delinquency and amounts written off. The amounts of the reserve is currently $3,400,306 (Previous Quarter was $3,320,306).

The value of the reserve is amended to reflect the changes in economic conditions, and the relevant concentrations in specific regions and industries of employment within the loan book.

Website Terms of Use

Disclaimer

Your use of this site constitutes your agreement to the following Terms of Use. We have taken all reasonable care in producing this web site but we can’t guarantee it has all the information you need to answer all your questions. For information and assistance call us on 131 728. All product details, rates, terms, conditions and other information is subject to change at any time without notice.

Data

The data on the site is provided solely for the use of the members of Police Bank. The content on this web site is provided “as is”. Police Bank disclaims any and all warranties, express and implied to the extent permitted by law. Use of the content on this site is at the user’s sole risk. Police Bank will in no event be liable to any person or entity for any direct, indirect, consequential, incidental or other damages for any errors in the content on this site, or for the use of any content, including without limitation, damages for lost profits, business, data, or damage to any computer systems, even if you have advised Police Bank of the possibility of such damages.

Information

The information on this site does not constitute financial, legal or any other advice except where general advice may be provided on financial products in which case we have not taken your financial circumstances, needs and objectives into account and you should consider these things before making any decisions.

Links to other sites

This site contains links to sites maintained by other organisations. We do not make any representation as to the accuracy of information contained on those sites and will not accept any responsibility for the accuracy, ownership or any other aspect of the information contained on those sites.

Copyright

Unless otherwise indicated, copyright in the information on this site is owned by Police Bank. If you wish to reproduce any of the information on this site, please contact us and obtain our permission before doing so.

Privacy Guidelines

The Guidelines set out Police Bank’s policies relating to the privacy and security of your personal information and the personal information provided by you about your customers. It discloses our information collecting and use and disclosure practices for this website.

Network identity

We collect information which identifies, for each page accessed on our site, the network identity of the machine which has accessed it. We retain this usage information for the purposes of usage analysis to help us improve our services, to help diagnose problems with our server, and to administer our Web site. Access to and use of this information is restricted to authorised staff and our site administrators. No attempt will be made to identify users or their browsing activities. Nor will we disclose information which might identify individual machines.

Emails and newsletter subscription

If you provide us with your email address, we will record your email address, but will only use it for the purpose for which it was provided. It shall not be disclosed without your consent.

Cookies

Cookies are pieces of information a web site can transfer to an individual’s computer hard drive for record keeping. Cookies can make web sites easier to use by storing information about your preferences on a particular site. When you revisit a site, it accesses the cookies it sent you earlier. A cookie can only store information that you provide. Police Bank uses cookies for log in purposes only.

Use of information collected

Because we respect your right to privacy and your customers’ privacy, we do not sell or rent the information gathered.

Security of information

This site has security measures in place to protect the loss, misuse and alteration of the information under our control. Any access to and use of information is restricted to authorised staff and the site administrators. We attempt to provide a secure and reliable on-line environment, however you should be aware that there are inherent risks associated with the transmission of information via the internet. Alternative ways of obtaining or providing information are available if you wish to avoid any risk.

Links

This site contains links to other sites. Police Bank is not responsible for the privacy practices or the content of other web sites. When you access such other sites you must comply with their Privacy Policy.

Contacting the Police Bank regarding the Website

If you wish to access your personal information or have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact Police Bank at: info@policebank.com.au

Complaints & Disputes

The Police Bank strives for quality in products and service. We value your feedback, whether it is to compliment us on your experience or to advise us when we didn’t meet your expectations.

If this happens we would like the opportunity to put things right. We believe that by listening to your feedback, we may be able to identify ways to improve our service to you.

Our complaints Service is free, and does not affect your legal rights. So if you have a complaint, or positive feedback, here’s what to do.

Telephone our Police Bank Assistance Centre on 131 728 or
Email us at info@policebank.com.au or
Complete the Member Complaint/Dispute Resolution Form available for download below, and mail it (no postage stamp required) together with any supporting documents to: Investigating Officer: Police Bank REPLY PAID 63593 Level 27/1 Market Street Sydney NSW 2000

What are the stages when you lodge a complaint?

If your complaint is not resolved on the same day, your complaint will be logged into our Complaints Management System.
If you lodge the complaint by telephone, the person you are speaking with will try to resolve it, or transfer you to the relevant section.
If you lodge the complaint by any other means it will be directed to the relevant section.
If the complaint cannot be resolved by the relevant section, it will be referred to an appropriate Manager or you may request that the matter be referred to an Executive Manager.
The Manager/Executive Manager will try to resolve the problem immediately however, sometimes it will be necessary to make investigations and you may need to provide us with supporting documentation.
If we are not able to settle a complaint immediately we will write to you within two working days of receipt of your complaint, advising you of our procedures for handling complaints/disputes.
You will receive a written response within a maximum timeframe of 21 days.
By utilising the Police Bank’s Internal Dispute Resolution Scheme, you do not waive any rights you may have under the law, or under any contract between you and Police Bank. An example, a contract may be a loan, mortgage, a guarantee, conditions of use for a savings account, visa card and redicard.
If you use the Internal Dispute Resolution Scheme, you may commence legal proceedings before, after or at the same time as using the Internal Dispute Resolution Scheme.
If you are not happy with the response provided, your complaint can be referred to the Police Bank Internal Dispute Resolution Committee for further review.

We expect our internal processes will satisfy your complaint. However if we have not resolved your dispute in 45 days, or you do not agree with our decision, contact can be made with the Financial Ombudsman Service Limited (external dispute resolution scheme) for an external review of the decision made:

Financial Ombudsman Service
GPO Box 3 Melbourne,
Victoria 3001
Phone: 1300 780 808
Fax: (03) 9613 6399
website: www.fos.org.au

Download Complaints/Dispute Resolution Form

Notices

Important Information for Members

Holiday Operating Hours (Assistance Centre Open Extra Hours)

From the Directors, Management and Staff at Police Bank we wish you the very best this festive season. We thank you for your ongoing support during the year and wish all families a safe and prosperous 2013.

Police Bank Branches will be closed on the following Public Holidays:

Christmas Day – 25 December
Boxing Day – …

Twitter @PoliceBankAU

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About

Important Information

Terms and Conditions, Product and Service Guides.

About Police Bank Products

General Terms and Conditions

Savings

Online SuperSaver Account

Leasing

Loans/Visa Credit Card

Fixed Rate Loan

Bank@POST (formerly giroPOST)

Christmas Club

Visa Debit Card

Allianz

Health Insurance

Member Rewards

Bridges Financial Planning

Insurance Commissions

Equity Maximiser

Payroll

Reduce your fees and charges

APS 330 Public Disclosure of Prudential Information

CAPITAL MANAGEMENT

CAPITAL RESOURCES

Tier 1 Capital

Tier 2 Capital

Net Tier 1 capital

124,362,582

Net tier 2 capital

Total Capital Base

125,500,071

RISK WEIGHTED ASSETS

Total risk weighted assets

678,363,263

658,154,048

54,253,638

52,652,324

Capital held by the Police Bank

123,411,045

120,818,425

Total Capital Ratio for the Police Bank

18.19%

18.35%

Tier 1 Capital Ratio for the Police Bank

17.67%

18.35%

CREDIT RISK EXPOSURES

269,528,336

269,095,566

269,311,952

Total to Members

1,008,329,139

157,909,693

52,269,346

1,045,445,586

Total to Members

1,000,464,745

147,489,537

55,848,466

1,032,808,894

IMPAIRMENT DETAILS

Reserve for credit losses

Website Terms of Use

Disclaimer

Data

Information

Links to other sites

Copyright

Privacy Guidelines

Network identity

Emails and newsletter subscription

Cookies

Use of information collected

Security of information

Links

Contacting the Police Bank regarding the Website