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

Canadia Bank Plc.31.FINANCIAL RISK MANAGEMENT (continued)31.3 Liquidity risk (continued)b) Funding approachThe Bank's main sources of liquidity arise from shareholder's paid-up capital and customers' deposits. Thesources of liquidity are regularly reviewed by management through review of maturity of term depositsand the key depositors.c) Non-derivative cash flowsThe table below presents the cash flows payable by the Bank under non-derivative financial liabilities byremaining contractual maturities at the balance sheet date.The amounts disclosed in the table are the contractualundiscounted cash flows, whereas the Bank manages the inherent liquidity risk based on expectedundiscounted cash flows.Up to 1 month 1 to 3 months 1 to 12 months 1 to 5 years Over 5 years TotalUS$ US$ US$ US$ US$ US$As at 31 December 2009Financial liabilitiesDeposits from banks 18,950,563 15,399,122 3,102,500 - - 37,452,185Due to customers 320,107,480 70,729,508 151,948,694 15,306,536 - 558,092,218Borrowings - 398,040 447,344 2,560,138 303,204 3,708,726Subordinated debt - - - 7,080,000 - 7,080,000Other liabilities 7,852,015 361,075 - - - 8,213,09071Annual Report 2009Total financial liabilities by remainingcontractual maturities 346,910,058 86,887,745 155,498,538 24,946,674 303,204 614,546,219Million Riel equivalent (Note 2.1) 1,446,268 362,235 648,273 104,003 1,264 2,562,043As at 31 December 2008Financial liabilitiesDeposits from banks 20,454,500 5,600,377 - - - 26,054,877Due to customers 301,951,710 32,379,729 103,283,426 8,590,706 - 446,205,571Borrowings 3,105,467 332,268 325,857 2,376,044 2,073,822 8,213,458Subordinated debt - - - 7,080,000 - 7,080,000Other liabilities 4,995,078 744,657 - - - 5,739,735Total financial liabilities by remainingcontractual maturities 330,506,755 39,057,031 103,609,283 18,046,750 2,073,822 493,293,641Million Riel equivalent (Note 2.1) 1,348,798 159,392 422,829 73,649 8,463 2,013,131