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Deposits and other borrowings (Tables)
12 Months Ended
Sep. 30, 2022
Deposits and other borrowings  
Schedule of deposits and other borrowings

Consolidated

Parent Entity

$m

    

2022

    

2021

    

2022

    

2021

Australia

 

 

 

 

Certificates of deposit

 

30,507

 

31,506

 

30,507

 

31,506

Non-interest bearing, repayable at call

 

55,180

 

52,819

 

55,180

 

52,819

Other interest bearing at call

 

352,544

 

345,416

 

352,544

 

345,416

Other interest bearing term

 

127,921

 

102,775

 

127,921

 

102,775

Total Australia

 

566,152

 

532,516

 

566,152

 

532,516

New Zealand

 

 

 

 

Certificates of deposit

 

2,588

 

3,293

 

-

 

-

Non-interest bearing, repayable at call

 

12,674

 

14,066

 

-

 

-

Other interest bearing at call

 

27,517

 

31,354

 

-

 

-

Other interest bearing term

 

28,423

 

27,042

 

-

 

-

Total New Zealand

 

71,202

 

75,755

 

-

 

-

Other overseas

 

 

 

 

Certificates of deposit

 

13,200

 

11,839

 

13,200

 

11,839

Non-interest bearing, repayable at call

 

1,178

 

919

 

473

 

357

Other interest bearing at call

 

1,883

 

1,751

 

1,569

 

1,446

Other interest bearing term

 

5,514

 

4,175

 

5,351

 

4,029

Total other overseas

 

21,775

 

18,684

 

20,593

 

17,671

Total deposits and other borrowings

 

659,129

 

626,955

 

586,745

 

550,187

Schedule of average balances and average rates for major categories of deposits

The following table shows average balances and average rates in each of the past two years for major categories of deposits.

2022

2021

    

Average

    

Average

    

Average

    

Average

balance

rate

balance

rate

Consolidated

$m

%

  

$m

%

Australia

 

 

Non-interest bearing, repayable at call

 

54,178

49,592

Certificates of deposit

 

29,839

0.7

28,242

0.1

Other interest bearing at call

 

359,080

0.4

322,333

0.2

Other interest bearing term

 

105,074

0.7

107,100

0.6

Total Australia

 

548,171

507,267

Overseas

 

Non-interest bearing, repayable at call

 

15,069

12,433

Certificates of deposit

 

17,469

1.1

11,035

0.4

Other interest bearing at call

 

31,485

0.7

30,231

0.2

Other interest bearing term

 

33,007

1.7

32,410

1.1

Total overseas

 

97,030

86,109

1. Non-interest bearing relates to instruments which do not carry a rate of interest.

Schedule of certificates of deposit and term deposits by maturity

Uninsured deposits refer to deposits that are in excess of, or ineligible for, a government based deposit insurance scheme in their relevant country of domicile. For the Group, this primarily relates to deposit in excess of, or ineligible for, the Australian Government’s Financial Claims Scheme (FCS) limit. The table below shows the balances of uninsured certificates of deposits and term deposits by remaining maturity:

    

    

Over

    

Over

    

    

Consolidated

Up to

3 months to

6 months to

Over

$m

3 months

6 months

1 year

1 year

Total

Certificates of deposit in excess of insured amounts

 

  

 

  

 

  

 

  

 

  

Australia

 

23,825

 

6,076

 

587

 

19

 

30,507

New Zealand

 

2,083

 

474

 

31

 

-

 

2,588

Other overseas

 

4,188

 

6,729

 

2,283

 

-

 

13,200

Total certificates of deposit in excess of insured amounts

 

30,096

 

13,279

 

2,901

 

19

 

46,295

Term deposits in excess of insured amounts

 

 

 

 

 

Australia

 

46,781

 

20,060

 

21,444

 

4,795

 

93,080

New Zealand

 

12,256

 

8,317

 

6,472

 

1,378

 

28,423

Other overseas

 

4,635

 

247

 

473

 

158

 

5,513

Total term deposits in excess of insured amounts

 

63,672

 

28,624

 

28,389

 

6,331

 

127,016

Interbank term deposits in excess of insured amounts1

 

 

 

 

 

Australia

 

3,264

 

555

 

9

 

-

 

3,828

New Zealand

 

25

 

-

 

-

 

-

 

25

Other overseas

 

-

 

-

 

-

 

30

 

30

Total interbank term deposits in excess of insured amounts

 

3,289

 

555

 

9

 

30

 

3,883

1.Interbank term deposits are included in Note 20..