2011 Annual Report - Khaleeji Commercial Bank BSC

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