2011 Annual Report - Khaleeji Commercial Bank BSC
2011 Annual Report - Khaleeji Commercial Bank BSC
2011 Annual Report - Khaleeji Commercial Bank BSC
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KHALEEJI COMMERCIAL BANK <strong>BSC</strong><br />
RISK MANAGEMENT DISCLOSURES<br />
4. Credit Risk (continued)<br />
4.2 Levels of exposure<br />
The year <strong>2011</strong> saw a modest growth in overall credit exposure levels. The table below shows gross credit exposure along<br />
with average credit exposure broken down under different exposure classes as at 31 December <strong>2011</strong> (in BD 000’s):<br />
Gross / Average Credit Exposures average gross Exposure<br />
Exposure 1 Self-financed IAH Total<br />
Cash and bank balances 2 24,265 4,195 18,447 22,642<br />
Placement with financial institutions 53,588 - 76,787 76,787<br />
Financing assets 201,126 123,095 78,461 201,556<br />
Investment securities - Equity securities 88,003 90,134 - 90,134<br />
Investment securities - Sukuks 17,329 - 21,672 21,672<br />
Assets acquired for leasing<br />
(including lease rentals receivable) 10,643 13,658 - 13,658<br />
Investments in associates 3,438 2,887 - 2,887<br />
Investment property 6,583 6,583 - 6,583<br />
Other assets, including<br />
property and equipment 11,739 11,596 - 11,596<br />
Total funded exposures 416,714 252,148 195,367 447,515<br />
Guarantees 6,721 7,423 - 7,423<br />
Undrawn financing facilities 8,820 4,619 - 4,619<br />
Commitments to invest 6,145 5,655 - 5,655<br />
Total unfunded exposures 21,686 17,697 - 17,697<br />
1<br />
Represents quarterly average balances for the year ended 31 December <strong>2011</strong>.<br />
2<br />
Includes cash balance of BD 2,155 thousand.<br />
Risk Management Disclosures<br />
87