Annual Report - Ahli United Bank

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Annual Report - Ahli United Bank

35 LIQUIDITY RISK (continued)Analysis of financial liabilities by remaining contractual maturitiesThe table below summarises the maturity profile of the Group’s financial liabilities (including interest) based on contractualundiscounted repayment obligations.US$ ’000Over oneyear tofive yearsUp toone monthOne monthto threemonthsOver threemonths toone yearOver fiveyears Undated TotalAs at 31 December 2009Deposits from banks andother financial institutions 2,703,005 2,186,070 607,357 80,995 - - 5,577,427Customers’ deposits 6,578,603 3,326,044 3,048,317 345,943 20,191 - 13,319,098Term debts 175 350 1,575 1,018,358 - - 1,020,458Subordinated liabilities 53 4,297 21,980 105,417 596,135 - 727,882Total 9,281,836 5,516,761 3,679,229 1,550,713 616,326 - 20,644,865Credit related commitmentsand contingencies 467,256 407,799 893,934 653,572 159,125 - 2,581,686Derivatives - net outflow - 111 (2,519) (38,818) (11,284) - (52,510)US$ ’000Over oneyear tofive yearsUp toone monthOne monthto threemonthsOver threemonths toone yearOver fiveyears Undated TotalAs at 31 December 2008Deposits from banks andother financial institutions 2,289,461 2,019,675 651,760 239,018 - - 5,199,914Customers’ deposits 7,262,921 3,143,222 2,498,449 403,181 239 - 13,308,012Term debts 413 8,084 403,713 1,246,624 - - 1,658,834Subordinated liabilities 91 181 4,112 108,380 538,476 - 651,240Total 9,552,886 5,171,162 3,558,034 1,997,203 538,715 - 20,818,000Credit related commitmentsand contingencies 569,844 627,703 1,296,146 824,035 149,477 - 3,467,205Derivatives - net outflow (1,436) (775) (9,608) (105,818) (97,053) - (214,690)36 CAPITAL ADEQUACYThe primary objectives of the Group’s capital management policies are to ensure that the Group complies with externally imposedcapital requirements and that the Group maintains strong credit ratings and healthy capital ratios in order to support its business and tomaximise shareholders’ value. Capital adequacy for each of the group companies is also managed separately at individual company level.AUB Annual Report 200999

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