About Us

Financial Strength

The Rock has a very strong balance sheet. All our loans are secured by first mortgage over residential real estate and fully insured against any loss with recognised mortgage insurance companies with credit ratings of AA- or better. The rest of our assets predominantly comprise bank bills and deposits with other Approved Deposit Taking Institutions (ADIs) supervised by the Australian Prudential Regulation Authority.

The Australian Prudential Regulation Authority (which supervises banks and other ADIs) requires us to hold a capital buffer to protect the interests of all depositors. This is known as the ‘Capital Adequacy Ratio’ and The Rock is required to maintain this ratio at 8% or above.
At 30 June 2006, our Capital Adequacy Ratio stood at 14.7%.