OPEN JOINT STOCK COMPANY AMRAHBANK JOINT STOCK BANK
NOTES TO THE FINANCIAL STATEMENTS (Continued)
FOR THE YEAR ENDED 31 DECEMBER 2008
(in Azerbaijan Manats)
50
A further analysis of the liquidity and interest rate risks is presented in the following tables in
accordance with IFRS 7. The amounts disclosed in these tables do not correspond to the amounts
recorded on the balance sheet as the presentation below includes a maturity analysis for financial
liabilities that indicates the total remaining contractual payments (including interest payments),
which are not recognized in the balance sheet under the effective interest rate method.
Up to 1
month
1 month to
3 months
3 months
to 1 year
1 year to
5 years
Over 5
years
Maturity
undefined
31
December
2007
Total
FINANCIAL ASSETS
Loans to customers
9,108,366
9,241,133
14,607,848
3,932,480
35,790
-
36,925,617
Total interest bearing
financial assets
9,108,366
9,241,133
14,607,848
3,932,480
35,790
-
36,925,617
Cash and balances with the
National Bank of the
Republic of Azerbaijan
7,104,461
-
-
-
-
2,243,164
9,347,625
Due from banks
619,764
-
-
-
-
-
619,764
Loans to customers
-
-
-
-
-
1,293,133
1,293,133
Investments available-for-sale
-
-
-
-
-
200,000
200,000
Other financial assets
238,933
-
-
-
-
-
238,933
Total financial assets
17,071,524
9,241,133
14,607,848
3,932,480
35,790
3,736,297
48,625,072
FINANCIAL LIABILITIES
Due to banks and other credit
institutions
64,867
464,050
4,206,684
4,361,872
45,741
-
9,143,214
Customer accounts
2,096,201
2,446,858
12,141,270
2,180,200
-
-
18,864,529
Total interest bearing
financial liabilities
2,161,068
2,910,908
16,347,954
6,542,072
45,741
-
28,007,743
Due to banks and other credit
institutions
20,020
-
-
-
-
-
20,020
Customer accounts
9,728,509
-
-
-
-
-
9,728,509
Other financial liabilities
33,879
-
144,497
-
-
-
178,376
Total financial liabilities
11,943,476
2,910,908
16,492,451
6,542,072
45,741
-
37,934,648
Liquidity gap
5,128,048
6,330,225
(1,884,603) (2,609,592)
(9,951)
Interest senitivity gap
6,947,298
6,330,225
(1,740,106) (2,609,592)
(9,951)
Cumulative interest
sensitivity gap
6,947,298
13,277,523
11,537,417
8,927,825
8,917,874
Cumulative interest
sensitivity gap as a
percentage of total assets
14.20%
27.15%
23.59%
18.25%
18.23%
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