Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.
Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.
Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.
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NOTES TO THE FINANCIAL STATEMENTS<br />
32. FINANCIAL RISK MANAGEMENT (CONTINUED)<br />
32.3 Liquidity risk (continued)<br />
b) Funding approach<br />
The <strong>Bank</strong>'s main sources of liquidities arise from shareholder's paid-<strong>up</strong> capital and customers' deposits. The<br />
sources of liquidity are regularly reviewed daily through management's review of maturity of term<br />
deposits and key depositors.<br />
c) Non-derivative cash flows<br />
The table below presents the cash flows payable by the <strong>Bank</strong> under non-derivative financial liabilities by<br />
remaining contractual maturities at the balance sheet date. The amounts disclosed in the table are the<br />
contractual undiscounted cash flows, whereas the <strong>Bank</strong> manages the inherent liquidity risk based on<br />
expected undiscounted cash flows.<br />
Up to 1 1-3 1-12 1 to 5 Over Non-interest<br />
months months years 5 years bearing Total<br />
US$ US$ US$ US$ US$ US$<br />
As at 31 December <strong>2008</strong><br />
Liabilities<br />
Deposits from banks 20,454,500 5,600,377 - - - 26,054,877<br />
Due to customers 301,951,710 32,379,729 103,283,426 8,590,706 - 446,205,571<br />
Other liabilities 4,390,263 744,657 - - - 5,134,920<br />
Borrowings 3,105,467 332,268 325,857 2,376,044 2,073,822 8,213,458<br />
Subordinated debt - - - 7,080,000 - 7,080,000<br />
Total liabilities<br />
(contractual maturity) 329,901,940 39,057,031 103,609,283 18,046,750 2,073,822 492,688,826<br />
In million Riel equivalents<br />
(Unaudited) 1,346,330 159,392 422,829 73,649 8,463 2,010,663<br />
Total assets<br />
(expected maturity) 123,156,906 44,162,003 174,425,149 54,509,065 140,601,810 536,854,933<br />
Up to 1 1-3 1-12 1 to 5 Over Non-interest<br />
months months years 5 years bearing Total<br />
US$ US$ US$ US$ US$ US$<br />
As at 31 December 2007<br />
Liabilities<br />
Deposits from banks 6,739,404 - - - - 6,739,404<br />
Due to customers 285,842,774 28,957,230 56320250 80,340,309 109,500 451,570,063<br />
Other liabilities 4,403,921 739,745 - - - 5,143,666<br />
Other borrowings - 335,771 331,728 2,478,627 2,629,366 5,775,492<br />
Subordinated debt - - - 7,080,000 - 7,080,000<br />
Total liabilities<br />
(contractual maturity) 296,986,099 30,032,746 56,651,978 89,898,936 2,738,866 476,308,625<br />
In million Riel equivalents (Unaudited) 1,188,835 120,221 226,778 359,865 10,964 1,906,663<br />
Total assets<br />
(expected maturity) 140,971,177 9,501,704 197,603,311 97,957,720 68,300,201 514,334,113<br />
<strong>Annual</strong> Report <strong>2008</strong> 67
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