Oasis Capital Bank B.S.C. (c)

Transcription

1 Six month period ended 30 JUNE 2009

2 Table 1 Capital structure...2 Table 2 Capital requirement for credit, market and operational risks. 3 Table 3 Gross credit exposures before credit risk mitigation (CRM). 3 Table 4 Geographic distribution of gross credit exposures. 4 Table 5 Sectoral classification of gross credit exposures. 4 Table 6 Residual contractual maturity... 5 Table 7 Exposure post credit risk mitigation and credit conversion. 6 Table 8 Eligible financial collateral and guarantees. 6 Table 9 Interest rate risk... 7 Table 10 Sensitivity analysis - Interest rate risk. 8 Table 11 Related party transactions

3 TABLE -1 CAPITAL STRUCTURE A. NET AVAILABLE CAPITAL Tier 1 Tier 2 Paid-up share capital 245,000 Reserves - Accumulated losses brought forward (1,899) Less: Current interim cumulative net losses 3,772 Tier 1 Capital before PCD deductions 239,329 NET AVAILABLE CAPITAL 239,329 - TOTAL ELIGIBLE CAPITAL BASE ( Tier 1 + Tier 2) 239,329 B. CAPITAL ADEQUACY RATIO The Bank Does not have any subsidiaries Tier 1 - Capital Adequacy Ratio 269.1% Total - Capital Adequacy Ratio 269.1% 2

4 TABLE - 2 CAPITAL REQUIREMENT FOR CREDIT, MARKET AND OPERATIONAL RISKS Credit Risk Capital Weighted Exposures requirement Claims on banks 48,016 5,762 Claims on investment firms 3 - Holding of real estate Other assets 1, TOTAL CREDIT RISK CAPITAL REQUIREMENT 49,910 5,989 TOTAL OPERATIONAL RISK CAPITAL REQUIREMENT (BASIC INDICATOR APPROACH) 39,026 4,683 TOTAL 88,936 10,672 - TABLE - 3 GROSS CREDIT EXPOSURES BEFORE CREDIT RISK MITIGATION (CRM) As at Average 30th June monthly 2009 balance Balances with central banks Due from banks and other financial institutions 219, ,188 Available-for-sale investments 20,616 7,896 Interest receivable, prepayments and other assets Premises and equipment 1,524 1,558 Total funded exposures 242, ,493 Contingent liabilities TOTAL 242, ,156 3

5 TABLE - 4 GEOGRAPHIC DISTRIBUTION OF GROSS CREDIT EXPOSURES Asia United (excluding Rest GCC United States of GCC of the countries Kingdom America countries) world Total Balances with central banks Due from banks and other financial institutions 208,374-10, ,045 Available-for-sale investments 20, ,616 Interest receivable, prepayments and other assets Premises and equipment 1, ,524 Total funded exposures 231, , ,018 Contingent liabilities TOTAL 232, , ,814 TABLE - 5 SECTORAL CLASSIFICATION OF GROSS CREDIT EXPOSURES Banks and Consumer/ Trading and Other Financial Government/ Personal Manufacturing Institutions Public Sector Others Total Balances with central banks Due from banks and other financial institutions , ,045 Available-for-sale investments , ,616 Interest receivable, prepayments and other assets Premises and equipment ,524 1,524 Total funded exposures , , ,018 Contingent liabilities TOTAL , , ,814 4

6 TABLE - 6 RESIDUAL CONTRACTUAL MATURITY One month Over three Over one Over Up to to three months to year to five to one month months one year five year ten years Total Balances with central banks Due from banks and other financial institutions 169,045 35,000 15, ,045 Available-for-sale investments ,616-20,616 Interest receivable, prepayments and other assets Premises and equipment , ,524 Total funded exposures 169,288 35,028 15,392 22, ,018 Contingent liabilities TOTAL 169,288 35,028 16,188 22, ,814 5

7 TABLE - 7 EXPOSURE POST CREDIT RISK MITIGATION AND CREDIT CONVERSION Claims on public sector entities 40 Claims on banks 240,080 Claims on investment firms 7 Holding of real estate 816 Other assets 1,075 TOTAL 242,018 TABLE - 8 ELIGIBLE FINANCIAL COLLATERAL AND GUARANTEES Gross exposure Eligible CRM Claims on public sector entities 40 - Claims on banks 240,080 - Claims on investment firms 7 - Holding of real estate Other assets 1,075 - TOTAL 242,018-6

8 TABLE - 9 INTEREST RATE RISK Less than Three three months to ASSETS months one year Total Due from banks and other financial institutions 204,045 15, ,045 Available-for-sale investments 20,616-20, ,661 15, ,661 On - balance sheet gap 224,661 15,000 Cumulative interest sensitivity gap 224, ,661 7

9 TABLE - 10 SENSITIVITY ANALYSIS - INTEREST RATE RISK Three Up to three months to months one year Total at 100 bps increase 2, ,397 A decrease in the interest rates will have equal and opposite impact on the income statement. TABLE - 11 RELATED PARTY TRANSACTIONS The Bank enters into transactions with major shareholders, directors and senior management in the ordinary course of business at arm's length. The income, expense and the period end balances in respect of related parties included in the financial statements for the period ended 30 June 2009 were as follows: Directors Major and senior shareholders management Total Interest income Short term employee benefits - 1,969 1,969 Directors fees Due from banks and other financial institutions 69,297-69,297 Available-for-sale investments 10,758-10,758 Interest receivable, prepayments and other assets Payables and accrued expenses