Page 196 - Capricorn IAR 2020

GLOSSARY OF TERMS ANNUAL FINANCIAL GLOSSARY OF TERMS STATEMENTS
NOTES TO THE CONSOLIDATED AND SEPARATE ANNUAL FINANCIAL STATEMENTS (continued)
for the year ended 30 June 2020
3. FINANCIAL RISK MANAGEMENT (continued)
3.4 Liquidity risk (continued)
Liquidity risk analysis (continued)
In terms of BID 18 – ‘Public disclosures for banking institutions’ the maturity breakdown of a banking institution’s whole credit portfolio should be disclosed. This disclosure, for Capricorn Group, is detailed below:
Contractual discounted cash flows
Carrying value N$’000
Call to 1 month N$’000
1–3 months N$’000
3–12 months N$’000
1–5 years N$’000
Over 5 years N$’000
Total N$’000
–
909,117
–
–
–
–
909,117
–
2,314,333
–
–
–
–
2,314,333
–
–
–
–
299,270
424,326
723,596
–
1,262,449
1,039,166
2,878,773
478,896
114,349
5,773,633
–
2,996,527
–
–
–
–
2,996,527
6,111,946
95,863
647,554
12,896,254
21,393,497
41,145,114
–
234,618
–
–
55,300
–
289,918
1,745,825
–
–
–
–
–
1,745,825
(126,577)
–
–
–
–
–
(126,577)
(950,754)
–
–
–
–
–
(950,754)
668,494
13,828,990
1,135,029
3,526,327
13,729,720
21,932,172
54,820,732
–
969,143
–
–
–
–
969,143
–
–
172,601
221,228
415,679
51,994
861,502
–
2,647
288,328
834,569
2,428,722
2,088,025
5,642,291
–
19,776,026
4,311,331
11,968,106
2,370,387
897,414
39,323,264
–
585,092
133,618
95,249
295,019
94,291
1,203,269
111,705
–
–
–
–
–
111,705
111,705
21,332,908
4,905,878
13,119,152
5,509,807
3,131,724
48,111,174
556,789
(7,503,918)
(3,770,849)
(9,592,825)
8,219,913
18,800,448
6,709,558
556,789
(6,947,129)
(10,717,978)
(20,310,803)
(12,090,890)
6,709,558
Group
As at 30 June 2020
ASSETS
Cash and balances with the central bank
Financial assets at fair value through profit or loss
Gross financial assets at amortised cost Financial assets at fair value through other comprehensive income
Due from other banks
Gross loans and advances to customers Other assets
Non-financial instruments
Effective interest rate impact per IFRS 9 Impairment
Total assets
LIABILITIES
Due to other banks Other borrowings Debt securities in issue Deposits
Other liabilities Non-financial instruments
Total liabilities
Net liquidity gap Cumulative liquidity gap
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