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

NOTES TO THE FINANCIAL STATEMENTS
32. FINANCIAL RISK MANAGEMENT (CONTINUED)
32.2 Market risk (continued)
c) Interest rate risk (continued)
The table below summarises the Bank's exposure to interest rate risks. It includes the Bank's financial
instruments at carrying amounts, categorised by the earlier of contractual repricing or maturity dates.
Up to 1 1-3 1-12 1 to 5 Over Non-interest
month months months years 5 years bearing Total
US$ US$ US$ US$ US$ US$ US$
As at 31 December 2008
Assets
Cash on hand - - - - - 42,825,814 42,825,814
Balances with the
Central Bank - 5,500,000 - 4,054,500 62,491,756 72,046,256
Balances with other banks 27,320,602 500,000 - - 964,418 - 28,785,020
Loan and advances to
customers 47,919,959 35,566,358 174,425,149 54,509,065 78,181,667 - 390,602,198
Other assets - - - - - 2,595,645 2,595,645
Total assets 75,240,561 41,566,358 174,425,149 54,509,065 83,200,585 107,913,215 536,854,933
Liabilities
Deposits from banks 20,200,259 5,499,395 - - - 78,327 25,777,981
Due to customers 265,946,946 31,316,174 96,827,502 7,500,811 - 34,770,576 436,362,009
Other liabilities - - - - - 6,399,452 6,399,452
Borrowings 3,105,467 213,714 213,714 1,709,712 1,814,672 - 7,057,279
Subordinated debt - - - - - 7,080,000 7,080,000
Total liabilities 289,252,672 37,029,283 97,041,216 9,210,523 1,814,672 48,328,355 482,676,721
Total interest rate
repricing gap (214,012,111) 4,537,075 77,383,933 45,298,542 81,385,913 59,584,860 54,178,212
In million Riel
equivalents (Unaudited) (873,383) 18,516 315,804 184,863 332,136 243,166 221,101
Annual Report 2008 65