Annual Report - Ahli United Bank

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Annual Report - Ahli United Bank

3. CREDIT RISK MANAGEMENT (continued)TABLE - 7 SECTORAL CLASSIFICATION OF GROSS CREDIT EXPOSURESFunded Unfunded Total %US$ ’000 US$ ’000 US$ ’000 US$ ’000Banks and other financial institutions 6,702,514 578,812 7,281,326 30.2Consumer/personal 3,989,942 89,486 4,079,428 16.9Real estate 3,197,155 174,552 3,371,707 14.0Trading, manufacturing and services 3,550,675 798,904 4,349,579 18.0Construction 885,081 446,823 1,331,904 5.5Government/public sector 1,160,320 - 1,160,320 4.8Others 2,074,099 493,109 2,567,208 10.6TOTAL 21,559,786 2,581,686 24,141,472 100.089.3% 10.7% 100.0%TABLE - 8 RESIDUAL CONTRACTUAL MATURITYUp toone monthOne monthto threemonthsOver threemonths toone yearOver oneyear tofive yearsOverfive toten yearsOver tento twentyyearsOvertwentyyearsTotalUS$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000 US$ ’000Balances with central banks 230,298 59,235 - - - - - 289,533Treasury bills and bonds 102,700 220,673 508,021 137,720 - - - 969,114Deposits with banks andother financial institutions 2,683,053 365,152 52,241 - - - - 3,100,446Loans and advances 1,295,524 1,971,161 2,091,411 3,913,596 2,625,626 1,199,644 203,037 13,299,999Non-trading investments 94,464 116,518 237,536 1,831,550 757,044 215,754 228,581 3,481,447Other assets 96,209 198,489 59,845 39,078 17,296 8,330 - 419,247Total funded exposures 4,502,248 2,931,228 2,949,054 5,921,944 3,399,966 1,423,728 431,618 21,559,786Contingent liabilities 206,439 365,143 694,676 307,473 115,462 - - 1,689,193Undrawn loan commitments 260,817 42,656 199,258 346,099 32,091 11,572 - 892,493Total unfunded exposures 467,256 407,799 893,934 653,572 147,553 11,572 - 2,581,686TOTAL 4,969,504 3,339,027 3,842,988 6,575,516 3,547,519 1,435,300 431,618 24,141,472AUB Annual Report 2009113

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