Bilansi uspjeha - Raiffeisen Bank

Notes to the financial statements
31 December 2005 and 2004
(all amounts are expressed in thousands of KM)
35. LIQUIDITY RISK
Liquidity risk is a measure of the extent to which the Bank may be required to raise funds to meet its commitments
associated with financial instruments. The Bank maintains its liquidity profiles in accordance with regulations laid
down by the Federal Banking Agency. The table below provides an analysis of assets, liabilities and shareholders’
equity into relevant maturity groupings based on the remaining period from the balance sheet date to the contractual
maturity date. It is presented under the most prudent consideration of maturity dates where options or repayment
schedules allow for early repayment possibilities. Those assets and liabilities that do not have a contractual maturity
date are grouped together under ‘maturity undefined’ category.
The Bank is exposed to daily calls on its available cash resources from overnight deposits, current accounts, maturing
deposits, loan drawdowns, guarantees and from margin and other calls on cash-settled derivatives. The Bank does
not maintain cash resources to meet all of these needs as experience shows that a minimum level of reinvestment of
maturing funds can be predicted with a high level of certainty. The Bank sets limits on the minimum proportion of
maturing funds available to meet such calls and on the minimum level of interbank and other borrowing facilities that
should be in place to cover withdrawals at unexpected levels of demand.
Financial statement
www.raiffeisenbank.ba
155