Annual report 2009-OK.qxp - Canadia Bank Plc.

Canadia Bank Plc.28. CASH GENERATED FROM (USED IN) OPERATIONS2009 2009 2008 2008US$ Million Riel US$ Million Rielequivalentequivalent(Note 2.1) (Note 2.1)Annual Report 200956Profit before income tax 24,523,500 102,239 27,592,062 112,603Adjustments for:Depreciation and amortisation 2,301,846 9,596 1,282,794 5,235Provision for loan losses (Note 7a) 8,453,281 35,242 13,593,843 55,476Recovery of loan losses (Note 7a) (6,029,780) (25,138) (4,425,460) (18,060)Provision for staff gratitude 285,200 1,189 810,350 3,307Gain on disposal of property and equipment (228,212) (952) (33,963) (139)Gain on disposal of FTB shares (3,920,000) (16,342) - -Changes in working capital:Balances with other banks (8,326,744) (34,714) 475,701 1,941Reserve requirement with the NBC (7,178,758) (29,928) (23,999,976) (97,944)Loans and advances to customers 27,591,298 115,028 (67,366,591) (274,923)Other assets (11,022,544) (45,953) 632,513 2,581Property foreclosed 2,100,000 8,755 2,412,741 9,846Deposits from banks 7,529,141 31,389 19,038,577 77,697Due to customers 118,680,990 494,781 (15,208,054) (62,064)Other liabilities 4,031,384 16,807 1,255,786 5,126Cash generated from(used in) operations 158,790,602 661,999 (43,939,677) (179,318)29.COMMITMENTS AND CONTINGENT LIABILITIESa) Loan commitments, guarantees and other financial liabilitiesContractual amounts arising from off-balance sheet financial instruments that the Bank committed to extendcredit to customers, guarantees and other facilities are as follows:2009 2009 2008 2008US$ Million Riel US$ Million Rielequivalentequivalent(Note 2.1) (Note 2.1)Unused portion of approved credit facilities 39,828,331 166,044 28,459,913 116,145Bankers' acceptance 3,707,247 15,455 362,426 1,479Documentary credit 3,309,806 13,799 3,500,945 14,287Performance and bankers' guarantees 1,407,072 5,866 644,632 2,631Others 66,197 276 105,406 43048,318,653 201,440 33,073,322 134,972No material losses are anticipated as a result of these transactions.