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PILLAR III DISCLOSURES - BASEL II

3. CREDIT RISK MANAGEMENT (continued)

TABLE - 6 GEOGRAPHIC DISTRIBUTION OF GROSS CREDIT EXPOSURES

124

ANNUAL REPORT 2008

GCC *

countries

United

Kingdom

Europe

(excluding

United

Kingdom)

United

States of

America

Asia

(excluding

GCC

countries)

Rest

of the

world Total

US$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000

Balances with central banks 170,237 30 - - - 118,047 288,314

Treasury bills and bonds 1,074,099 - - - 82,783 80,115 1,236,997

Deposits with banks and

other financial institutions 1,088,152 792,957 534,798 295,773 55,815 100,464 2,867,959

Loans and advances 11,408,640 751,216 537,791 2,480 63,845 868,248 13,632,220

Non-trading investments 1,120,801 330,993 371,093 432,153 239,939 260,112 2,755,091

Other assets 247,605 66,868 1,591 - - 8,828 324,892

Total funded exposures 15,109,534 1,942,064 1,445,273 730,406 442,382 1,435,814 21,105,473

Contingent liabilities 2,175,359 13,534 23,888 21,235 23,106 267,418 2,524,540

Undrawn loan

commitments

758,652 72,960 100,746 5,010 4,385 912 942,665

Total unfunded exposures 2,934,011 86,494 124,634 26,245 27,491 268,330 3,467,205

TOTAL 18,043,545 2,028,558 1,569,907 756,651 469,873 1,704,144 24,572,678

73.5% 8.3% 6.4% 3.0% 1.9% 6.9% 100.0%

* GCC countries are countries which are part of the Gulf Co-operation Council comprising Kingdom of Bahrain, State of

Kuwait, Sultanate of Oman, State of Qatar, Kingdom of Saudi Arabia and the United Arab Emirates.

TABLE - 7 SECTORAL CLASSIFICATION OF GROSS CREDIT EXPOSURES

Funded Unfunded Total %

US$ ’000 US$ ’000 US$ ’000 US$ ’000

Banks and other financial institutions 7,092,942 590,290 7,683,232 31.3

Consumer/personal 4,688,128 283,118 4,971,246 20.2

Real estate 3,339,555 751,457 4,091,012 16.6

Trading and manufacturing 3,278,593 800,970 4,079,563 16.6

Construction 868,226 613,913 1,482,139 6.0

Government/public sector 1,102,194 18,793 1,120,987 4.7

Others 735,835 408,664 1,144,499 4.6

TOTAL 21,105,473 3,467,205 24,572,678 100.0

85.9% 14.1% 100.0%

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