Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.

NOTES TO THE FINANCIAL STATEMENTS
32. FINANCIAL RISK MANAGEMENT (CONTINUED)
32.1 Credit risk (continued)
g) Concentration of financial assets with credit risk exposure (continued)
ii. Industry sector
The following table breaks down the Bank's main credit exposure at their carrying amounts, as categorised
by the industry sectors of our counterparties.
Building Wholesale import
Financial and and and
institutions Services Mortgage construction retail export Agriculture Other Total
US$ US$ US$ US$ US$ US$ US$ US$ US$
31 December 2008
Balances with other banks 28,785,020 - - - - - 28,785,020
Loans and advances - 91,379,426 87,932,966 40,349,434 79,593,639 19,488,409 30,356,664 41,501,660 390,602,198
Other assets 317,087 855,328 572,417 77,044 365,989 116,927 61,302 229,551 2,595,645
As at 31 December 2008 29,102,107 92,234,754 88,505,383 40,426,478 79,959,628 19,605,336 30,417,966 41,731,211 421,982,863
In Riel million equivalents 118,766 376,410 361,190 164,980 326,315 80,009 124,136 170,306 1,722,112
31 December 2007
Balances with other banks 80,725,776 - - - - - 80,725,776
Loans and advances - 64,306,505 43,617,677 86,544,844 70,263,270 13,109,020 3,909,887 50,652,787 332,403,990
Other assets 271,407 48,043 371,364 137,953 186,251 58,919 17,953 1,554,542 2,646,432
As at 31 December 2007 80,997,183 64,354,548 43,989,041 86,682,797 70,449,521 13,167,939 3,927,840 52,207,329 415,776,198
In Riel million equivalents 324,232 257,611 176,088 346,991 282,009 52,711 15,724 208,986 1,664,352
32.2 Market risk
The Bank takes on exposure to market risk, which is the risk that the fair value or future cash flow of a financial
instrument will fluctuate because of changes in market prices. Market risk arises from open positions
in interest rates, currency and equity products, all of which are exposed to general and specific market
movements and changes in the level of volatility of market rates or prices such as interest rates, credit
spreads, foreign exchange rates and equity prices.
The Bank does not use derivative financial instruments such as foreign exchange contract and interest rate
swaps to hedge its risk exposure.
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Annual Report 2008