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)
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 2007
Assets
Cash on hand - - - - - 27,501,166 27,501,166
Balances with the Central
Bank 25,000,000 - - - 4,054,500 42,002,249 71,056,749
Balances with other banks 69,789,926 1,000,000 - - 940,119 8,995,731 80,725,776
Loan and advances to
customers 1,083,354 5,855,272 197,603,311 97,957,720 29,904,333 - 332,403,990
Other assets - - - - - 2,646,432 2,646,432
Total assets 95,873,280 6,855,272197,603,311 97,957,720 34,898,952 81,145,578 514,334,113
Liabilities
Deposits from banks 2,742,520 - - - - 3,996,884 6,739,404
Due to customers 255,969,220 28,957,230 56,320,250 80,449,809 - 29,873,554 451,570,063
Other liabilities - - - - - 5,143,666 5,143,666
Other borrowings - 213,714 213,714 3,951,813 - - 4,379,241
Subordinated debt - - - 7,080,000 - - 7,080,000
Total liabilities 258,711,740 29,170,944 56,533,964 91,481,622 - 39,014,104 474,912,374
Total interest rate
repricing gap (162,838,460) (22,315,672) 141,069,347 6,476,098 34,898,952 42,131,474 39,421,739
In million Riel equivalents
(Unaudited) (651,842) (89,330) 564,701 25,924 139,701 168,652 157,806
32.3 Liquidity risk
Liquidity risk is the risk that the Bank is unable to meet its payment obligations associated with its financial
liabilities when they fall due and to replace funds when they are withdrawn. The consequence of this
may be the failure to meet obligations to repay depositors and fulfil commitments to lend.
a) Liquidity risk management process
The management monitors balance sheet liquidity and manage the concentration and profile of debt
maturities. Monitoring and reporting taking the form of daily cash position and project for the next day,
week and month respectively, as these are key periods for liquidity management. The management
monitors the movement of main depositors and projection of their withdrawals.
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Annual Report 2008