Ann: Funds Under Management - September 2023, page-134

So this is MQG balance sheet, could someone please be able to in laymans terms explain what the GOOD debt and BAD debt is?





Assets

Fiscal year is April-March. All values AUD Millions.	2023	2022	2021	2020	2019	5-year trend
Total Cash & Due from Banks	99,979	103,951	55,106	47,427	38,514
Cash & Due from Banks Growth	-3.82%	88.64%	16.19%	23.14%	-
Investments - Total	74,869	110,596	51,954	71,392	38,997
Trading Account Securities	51,787	13,578	21,746	16,855	17,446
Other Securities	21,874	12,127	9,566	8,930	7,161
Other Investments	1,208	84,891	20,642	45,607	14,390
Investments Growth	-32.30%	112.87%	-27.23%	83.07%	-
Net Loans	158,572	134,744	105,026	94,117	77,811
Commercial & Industrial Loans	37,725	30,157	18,117	18,960	14,667
Real Estate Mortgage Loans	114,889	95,348	72,068	56,653	43,056
Lease Financing Loans	7,274	10,270	13,697	16,866	18,667
Unspecified/Other Loans	-	-	2,275	2,562	1,961
Loan Loss Allowances (Reserves)	(1,316)	(1,031)	(1,131)	(924)	(540)
Investment in Unconsolidated Subs.	5,574	4,373	4,194	8,319	4,219
Real Estate Other Than Bank Premises	5,914	-	-	-	-
Loans - 1 Yr Growth Rate	17.68%	28.30%	11.59%	20.96%	-
Loans (Total) / Total Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	-
Loans (Total) / Total Assets	0.00%	0.00%	0.00%	0.00%	0.00%	-
Net Property, Plant & Equipment	1,642	5,143	4,676	5,044	4,701
Other Assets (Including Intangibles)	39,525	38,817	23,225	28,163	32,484
Other Assets	35,698	35,037	20,682	24,895	30,453
Intangible Assets	3,827	3,780	2,543	3,268	2,031
Deferred Charges	420	-	-	-	-
Total Assets	389,414	399,176	245,653	255,802	197,757
Assets - Total Growth	-2.45%	62.50%	-3.97%	29.35%	-
Return On Average Assets	1.27%	-	-	-	-

Liabilities & Shareholders' Equity

All values AUD Millions.	2023	2022	2021	2020	2019	5-year trend
Total Deposits	134,714	101,667	84,199	67,342	56,191
Demand Deposits	111,347	16,930	10,959	6,713	3,914
Savings/Time Deposits	23,367	84,737	73,240	60,629	52,277
Deposits Growth	32.51%	20.75%	25.03%	19.84%	-
Total Debt	141,791	140,469	85,465	92,338	72,516
ST Debt & Current Portion LT Debt	62,309	65,521	28,017	23,731	28,623
Current Portion of Long Term Debt	43,572	48,574	23,475	21,397	23,785
Short Term Debt	18,737	16,947	4,542	2,334	4,838
Long-Term Debt	79,482	74,948	57,448	68,607	43,893
LT Debt excl. Capitalized Leases	78,780	74,362	56,664	67,569	43,801
Provision for Risks & Charges	5,685	-	-	-	-
Long Term Debt Growth	6.05%	30.46%	-16.27%	56.31%	-
Total Debt / Total Assets	36.41%	35.19%	34.79%	36.10%	36.67%
Deferred Tax Liabilities	(1,601)	(1,336)	(1,268)	(1,106)	(606)
Deferred Taxes - Credit	1,738	216	204	234	425
Deferred Taxes - Debit	3,339	1,552	1,472	1,340	1,031
Other Liabilities	71,380	128,018	53,434	74,104	50,261
Other Liabilities (excl. Deferred Income)	71,011	128,018	53,434	74,104	50,261
Deferred Income	369	-	-	-	-
Total Liabilities	355,308	370,370	223,302	234,018	179,393
Common Equity (Total)	33,155	28,561	22,048	21,063	17,761
Common Stock Par/Carry Value	14,735	14,156	8,531	8,458	6,635
Retained Earnings	17,446	14,740	12,231	10,439	9,807
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	1,632	312	306	2,016	824
Unrealized Gain/Loss Marketable Securities	30	16	34	(72)	9
Other Appropriated Reserves	1,640	1,195	946	829	940
Treasury Stock	(2,328)	(1,858)	-	(607)	(454)
Common Equity / Total Assets	0.09%	0.07%	0.09%	0.08%	0.09%
Total Shareholders' Equity	33,155	28,561	22,048	21,063	17,761
Total Shareholders' Equity / Total Assets	8.51%	7.15%	8.98%	8.23%	8.98%
Return On Average Total Equity	16.25%	-	-	-	-
Accumulated Minority Interest	951	245	303	721	603
Total Equity	34,106	28,806	22,351	21,784	18,364
Liabilities & Shareholders' Equity	389,414	399,176	245,653	255,802	197,757