Annual Report - Ahli United Bank

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Annual Report - Ahli United Bank

9 CASH AND BALANCES WITH CENTRAL BANKS2009 2008US$’000US$’000Cash and balances with central banks, excluding mandatory reserve deposits (note 24) 86,708 157,082Mandatory reserve deposits with central banks 217,456 235,169304,164 392,251Mandatory reserve deposits are not available for use in the day-to-day operations.10 LOANS AND ADVANCESa) By industry sector2009 2008US$ ’000 % US$ ’000 %Consumer/personal 4,130,925 30.2 4,877,669 35.0Real estate 3,272,198 23.9 3,336,675 24.0Trading, manufacturing and services 3,316,917 24.3 3,044,852 21.9Banks and other financial institutions 831,265 6.1 987,376 7.0Construction 890,749 6.5 889,251 6.4Government/public sector 436,369 3.2 245,686 1.8Others 785,771 5.8 540,960 3.913,664,194 100.0 13,922,469 100.0(Less): Impairment Allowance for loan losses (note 10(e)) (364,195) (290,249)13,299,999 13,632,220b) By geographic region2009 2008US$ ’000 % US$ ’000 %GCC countries 11,104,185 81.3 11,652,479 83.7United Kingdom 670,695 4.9 817,492 5.4Europe (excluding United Kingdom) 782,021 5.7 545,329 3.9United States of America 2,698 0.0 2,480 0.0Asia (excluding GCC countries) 64,923 0.5 83,087 0.6Rest of the world (including Arab Republic of Egypt) 1,039,672 7.6 821,602 6.413,664,194 100.0 13,922,469 100.0(Less): Impairment Allowance for loan losses (note 10(e)) (364,195) (290,249)13,299,999 13,632,220GCC countries comprise the members of the Gulf Co-operation Council being Kingdom of Bahrain, State of Kuwait, Sultanate of Oman,State of Qatar, Kingdom of Saudi Arabia and the United Arab Emirates.Refer note 31 (c) for disclosure of credit quality of loans and advances.AUB Annual Report 200965

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