UNITY BANK LIMITED 2022 Financial Report UNITY BANK LIMITED 2022 Financial Report
ABN 11 087 650 315
ABN 11 087 650 315
The Bank holds two large exposures in the construction and building industries representing 14.52% and 12.60% of Tier 1 Capital respectively. Together, these total $31.20m and 27.12% of Tier 1 Capital. The Bank also has a large exposure to a pool of personal loans funded through Plenti RE Ltd. The exposure totals $14.8m (12.90% of Tier 1 capital).
(iii) Geographical Concentrations
2022
Housing
Personal
Business
Total
NSW Victoria
630,179 95,244 114,609 20,015 61,340 8,719 5,398 3,508
26,356 5,659 9,293 2,485 5,935
105,765 5,305 3,766 3,060 1,804
762,300 106,208 127,668 25,560 69,079 10,140 5,665 4,777 1,577 706,875 105,721 112,621 18,970 69,587 10,811 5,345 4,345 1,350
Queensland South Australia Western Australia
Tasmania
646 267 224 798
775
-
Northern Territory
ACT Other
1,045
475
304
Total per statement of financial position
939,487
51,663
121,824 1,112,974
2021
Housing
Personal
Business
Total
NSW Victoria
604,031 93,383 98,535 12,798 61,814 9,465 4,983 2,863
30,363 6,901 10,528 3,113 6,661
72,481 5,437 3,558 3,059 1,112
Queensland South Australia Western Australia
Tasmania
827 362 388 516
519
Northern Territory
-
ACT Other
1,094
834
-
Total per statement of financial position
888,706
59,659
87,260 1,035,625
(iv) Concentration by Purpose
2022
2021
Loans to natural persons Residential loans and facilities Personal loans and facilities Business loans and facilities
937,271 32,159 26,174 995,604 100,711 16,659
898,997 34,492 46,130 979,619 35,446 20,560
Loans to Corporations Loans to Non-Members
Total
1,112,974 1,035,625
37
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