Financial Position 5 Assets Loans And Receivables Average Loan To Valuation Ratio At Commitment Percent This is the average loan-to-valuation ratio at commitment for loans funded during the period, weighted by loan size at commitment. Assets Loans And Receivables Cost Of Funds Weighted Average Percent This is the weighted sum of individual costs of funds, where the weights used are the corresponding balances expressed as a share of the total balance. The cost of funds is the institution's internal funds transfer pricing rate for an asset. The price is established by the institution's treasury area and 'charged' to the relevant business area. Assets Loans And Receivables Credit Outstanding Net Offset Amount This is the value of credit outstanding for finance net of any linked offset account balances. Assets Loans And Receivables Credit Purchased Amount This is the value of the credit purchased during the period. This comprises loans that were not previously recorded as being on-balance sheet but are now recorded as on-balance sheet as a result of the purchase of credit, excluding any premium or discount. Assets Loans And Receivables Credit Sold Amount This is the value of the credit sold during the period. This comprises loans that are no longer recorded as being on-balance sheet as a result of this sale, excluding any premium or discount. Assets Loans And Receivables Discharge Excess Repayments Net Of Scheduled Amount Total value of loans, net of scheduled repayments that are repaid in full during the period due to the discharge of the loan. Include repayment due to internal and external refinancing and final repayments. Assets Loans And Receivables Drawdowns Existing Loans Amount This is the value of drawdowns on existing loans that were not funded during the period. Include drawdowns from redraw facilities. Assets Loans And Receivables Drawdowns Newly Funded Amount This is the value of drawdowns for loans that were newly funded during the period. Include drawdowns where the loan is an internal or external refinance. Exclude drawdowns from redraw facilities on existing loans. Assets Loans And Receivables Excess Repayments Not Discharge Amount Total value of excess repayments not due to the discharge of the loan, including payments into redraw facilities. Exclude payments into offset accounts and loans for which scheduled repayments exceeded actual repayments. Assets Loans And Receivables Excess Repayments Not In Redraw Facilities Amount Report the total value of accumulated excess (advance) repayments not in redraw facilities that are accessible at a later date. This item represents the maximum amount that could be drawn down without bringing the balance of the loan account above that specified in the loan schedule. Assets Loans And Receivables Excess Repayments Redraw Facilities Amount Report the total value of accumulated excess (advance) repayments in redraw facilities that are accessible at a later date. This item represents the maximum amount of redraw balances that could be drawn down without bringing the balance of the loan account above that specified in the loan schedule. Assets Loans And Receivables Facility Credit Limit Weighted Average Amount This is the value of the weighted average of the credit limit available per lending facility. Assets Loans And Receivables Interest Charged Amount This is interest charged by the lender on outstanding loan balances, whether or not it is actually received from the borrower. This item is to be determined in accordance with Australian Accounting Standards. Assets Loans And Receivables Lending Facilities Count This is the number of lending facilities as at the relevant date. These are one or more accounts/lending agreements that: are for the same borrower(s); are approved at the same point in time and/or as part of the same application; are for the same purpose class (and property purpose if housing); and differ only by characteristics relating to interest rate type (fixed interest rate or variable interest rate) and/or repayment type (interest-only or amortising). The accounts comprising a lending facility may or may not be linked. Assets Loans And Receivables Loan Account Switch Amount Record the net value as at the end of the previous reporting period of any loans that switched between categories in the current reporting period. Report the net value of loans that have moved into each category. Assets Loans And Receivables Monthly Scheduled Repayments Weighted Average Percent This is the weighted average number of monthly scheduled repayments that the stock of accumulated excess repayments and balances in associated redraw and offset accounts would be sufficient to cover for the loan. Assets Loans And Receivables Repayment Deficiencies Amount This is the total value by which scheduled repayments (interest and other charges plus principal as applicable) exceeded actual repayments for a loan. Assets Loans And Receivables Scheduled Repayments Amount Scheduled repayments are contracted, agreed or minimum repayment amounts. They are the total (interest and any other fees or charges plus principal as appropriate) value of payments due in the relevant period, in accordance with the loan conditions. Scheduled repayments may exceed the minimum required repayment possible under the loan conditions. Assets Loans And Receivables Term Net Write Off Amount This is the value of loans written-off during the relevant period less the amount recovered from any previously written-off loans. Exclude amounts recovered through sales of collateral. Assets Loans And Receivables Weighted Average Residual Term Number This means the weighted sum of individual residual terms, where the weights used are the corresponding balances expressed as a share of the total balance.