Annual Report - Ahli United Bank

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Annual Report - Ahli United Bank

3. CREDIT RISK MANAGEMENT (continued)TABLE - 12 PAST DUE LOANS - AGE ANALYSIS (continued)ii) By SectorThreemonths toone yearOneto threeyearsOverthreeyearsTotalUS$ ’000 US$ ’000 US$ ’000 US$ ’000Consumer/personal 69,609 68,971 7,775 146,355Trading and manufacturing 29,873 19,023 120 49,016Real estate 29,232 849 845 30,926Banks and other financial institutions 4,993 6,995 - 11,988Construction 65,233 441 10,882 76,556Others 7,728 7,045 54,625 69,398TOTAL 206,668 103,324 74,247 384,23953.8% 26.9% 19.3% 100.0%TABLE - 13 RESTRUCTURED CREDIT FACILITIESUS$ ’000Balance of any restructured credit facilities as at year end 81,607Loans restructured during the year 88,568The above restructurings did not have any significant impact on the present or future earnings and were primarily extensions of the loan tenor.TABLE - 14 COUNTERPARTY CREDIT RISK IN DERIVATIVE TRANSACTIONSi) Breakdown of the credit exposureNotionalamountGrosspositivefair valueCreditconversionfactorUS$ ’000 US$ ’000 US$ ’000Foreign exchange related 5,075,261 71,902 126,169Interest rate related 4,669,929 83,142 116,212Options 142,014 - 11,255Derivatives credit exposure 9,887,204 155,044 253,636Gross positive fair value represents the replacement cost of the derivativesii) Amounts of collateral 30,000iii) Notional value of credit derivative exposuresProtection sold 5,000TABLE - 15 RELATED PARTY TRANSACTIONSRefer note 25 to the audited consolidated financial statements of the Group for the year ended 31 December 2009.AUB Annual Report 2009117

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