Annual Report 2008 - ProCredit Bank

Financial Statements 59
3.6 Maturities of assets and liabilities
As at 31 December 2008 Up to 1 – 3 3 – 12 1 – 5 Over 5 Total
1 month months months years years
Assets
Cash and balances with the Central Bank 112,123 – – – – 112,123
Loans and advances to banks 23,473 5,281 – – – 28,754
Loans and advances to customers 32,822 27,917 104,517 131,452 11,044 307,752
Financial investments available for sale 196 – – – – 196
Property and equipment – – – – 11,333 11,333
Intangible assets – – – – 992 992
Deferred tax assets 47 – – – – 47
Other assets 2,920 – – – 29 2,949
Total assets 171,581 33,198 104,517 131,452 23,398 464,146
Liabilities
Deposits from customers 98,936 28,502 96,824 109,797 1,532 335,591
Borrowings 32 14,929 10,995 37,196 2,510 65,662
Subordinated debt – – 434 – 15,647 16,081
Provisions 322 – – – – 322
Other liabilities 1,700 – – – – 1,700
Current income tax payable 155 – – – – 155
Total liabilities 101,145 43,431 108,253 146,993 19,689 419,511
Net liquidity gap 70,436 (10,233) (3,736) (15,541) 3,709 44,635
Contingencies and commitments 3,387 4,208 11,702 2,006 – 21,303
As at 31 December 2007 Up to 1 – 3 3 – 12 1 – 5 Over 5 Total
1 month months months years years
Assets
Cash and balances with the Central Bank 95,458 – – – – 95,458
Loans and advances to banks 5,832 – – – – 5,832
Loans and advances to customers 24,908 27,914 111,576 138,139 5,991 308,528
Financial investments available for sale 196 – – – – 196
Property and equipment – – – – 10,945 10,945
Intangible assets – – – – 961 961
Deferred tax assets 26 – – – – 26
Other assets 1,886 – – – 29 1,915
Total assets 128,306 27,914 111,576 138,139 17,926 423,861
Liabilities
Deposits from customers 84,308 33,000 85,042 75,827 1,690 279,867
Borrowings 9 4,483 20,363 61,322 2,086 88,263
Subordinated debt – – 448 – 15,647 16,095
Provisions 260 – – – – 260
Other liabilities 1,354 – – – – 1,354
Current income tax payable 374 – – – – 374
Total liabilities 86,305 37,483 105,853 137,149 19,423 386,213
Net liquidity gap 42,001 (9,569) 5,723 990 (1,497) 37,648
Contingencies and commitments 2,419 5,433 8,432 1,489 – 17,773
Off-balance sheet items maturity
(a) Loan commitments
The dates of the contractual amounts of the Bank’s off-balancesheet
financial instruments that commit it to extend credit to customers
and other facilities are summarized in the table below.
(b) Financial guarantees and letters of credits
Financial guarantees and letters of credits are also included in the
table below based on the earliest contractual maturity date.