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- Bu səhifədəki naviqasiya:
- OPEN JOINT STOCK COMPANY AMRAHBANK JOINT STOCK BANK NOTES TO THE FINANCIAL STATEMENTS (Continued) FOR THE YEAR ENDED 31 DECEMBER 2008
- Other non-financial assets
- Total other assets 496,653 310,291
- Accumulated amortization
- Net book value
- 31 December 2008 31 December 2007 Recorded at amortized cost
- 18. CUSTOMER ACCOUNTS
- Total customer accounts 33,611,631 28,593,038
- 19. OTHER LIABILITIES
- Other non-financial liabilities
OPEN JOINT STOCK COMPANY AMRAHBANK JOINT STOCK BANK NOTES TO THE FINANCIAL STATEMENTS (Continued) FOR THE YEAR ENDED 31 DECEMBER 2008 (in Azerbaijan Manats) 32
Other assets comprise:
2008
2007 Other financial assets recorded as loans and receivables in accordance with IAS 39:
Settlements on money transfers 192,199 177,261
Unsettled payments on plastic cards operations 217,281 61,672
238,933 Other non-financial assets:
Prepayments and receivables on other transactions 48,566 39,981
Intangible assets 38,607 40,023
80,004
Less: allowance for impairment losses -
Total other assets 496,653 310,291
Movements in allowances for impairment losses on other assets for the years ended 31 December 2008 and 2007 are disclosed in Note 5.
Intangible assets At cost
31 December 2006 66,291
Additions 11,720
31 December 2007 78,011
Additions 6,687
31 December 2008 84,698
Accumulated amortization
31 December 2006 (31,269)
Charge for the year (6,719)
31 December 2007 (37,988)
Charge for the year (8,103)
31 December 2008 (46,091)
Net book value
31 December 2008 38,607
31 December 2007 40,023
Intangible assets include software and licenses. OPEN JOINT STOCK COMPANY AMRAHBANK JOINT STOCK BANK NOTES TO THE FINANCIAL STATEMENTS (Continued) FOR THE YEAR ENDED 31 DECEMBER 2008 (in Azerbaijan Manats) 33
17. DUE TO BANKS AND OTHER CREDIT INSTITUTIONS
Due to banks and other credit institutions comprise:
2008 31 December 2007 Recorded at amortized cost: Loans from banks and other credit institutions 5,473,485 5,187,152 Demand deposits with other banks 249,836 20,066 Time deposits with other banks - 3,956,016 Total due to banks and other credit institutions 5,723,321 9,163,234
As at 31 December 2008 and 2007 accrued interest expense included in due to banks and other credit institutions amounted to AZN 7,640 and AZN 7,970, respectively.
As at 31 December 2008 and 2007 the Bank had due to 1 credit institution totaling AZN 5,420,962 and to 2 credit institutions totaling AZN 8,666,809, respectively, representing significant concentration, forming 95% and 95% of due to banks and other credit institutions.
Maturities of amounts due to banks and other credit institutions are included in note 28 under liquidity risk.
These liabilities are measured at amortised cost.
Customer accounts comprise:
2008 31 December 2007 Recorded at amortized cost:
Time deposits 24,903,678 19,003,455 Repayable on demand 8,707,953 9,589,583
As at 31 December 2008 and 2007 customer accounts of AZN 7,310,200 (22%) and AZN 7,979,661 (28%), respectively, were due to 7 and 6 customers, which represents significant concentration. OPEN JOINT STOCK COMPANY AMRAHBANK JOINT STOCK BANK NOTES TO THE FINANCIAL STATEMENTS (Continued) FOR THE YEAR ENDED 31 DECEMBER 2008 (in Azerbaijan Manats) 34
31 December 2008 31 December 2007 Analysis by sector:
Individuals 25,121,794 19,940,276 Trade and services 5,914,388 6,173,122 Insurance 1,170,709 1,561,720 Public 156,375 94,311 Transportation and communication 100,173 606
Manufacturing 77,984 280 Construction 51,940 107,749
Agriculture 49,315 52,728 Energy
48,296 16,831
Other 920,657 645,415
Total customer accounts 33,611,631 28,593,038
As at 31 December 2008 and 2007 accrued interest expense included in customer accounts amounted to AZN 822,063 and AZN 429,440, respectively.
These liabilities are measured at amortised cost.
Other liabilities comprise: 31 December 2008 31 December 2007
Other financial liabilities:
Accrued expenses 214,658
125,423 Settlements on plastic cards 45,267
37,897
Payable to Deposit Insurance Fund 1,468
15,056
261,393 178,376
Other non-financial liabilities:
Other
2,327 4,018
Total other liabilities 263,720 182,394
These liabilities are measured at amortised cost.
As of 31 December 2008 and 2007 share capital authorized consisted of 128,207 and 96,796 ordinary shares with par value of AZN 100 each. All shares are ranked equally and bear one vote.
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