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AB Bank Limited

Liquidity Statement
(Asset and Liability Maturity Analysis)
As at 31 December 2008

Up to 1 More than 5
Particulars month's 1-3 months' 3-12 months' 1-5 years' years' Total
maturity maturity maturity maturity maturity
Assets:
Cash in hand and with banks 679556149.00 3416488006.00 - - - 4096044155.00
Balance with other banks and 1400013425.00 420000000.00 480000000.00 - - 2300013425.00
financial institutions
Money at call and on short 920678360.00 30000000.00 2 40,000,000 - - 1190678360.00
notice
Investments 2870019373.00 1418899973.00 2802652560.00 1665719373.00 2651244784.00 11408536062.00
Loans and advances 8846568417.00 13910105257.00 32550835074.00 1134175438.00 267087719.00 56708771906.00
Fixed assets including 14912366.00 24446502.00 171125516.00 1483169297.00 750996552.00 2444650234.00
premises, furniture and
fixtures
Other assets 1180983689.00 1594327980.00 2361967377.00 767639397.00 - 5904918443.00
Non-banking assets - - - - - -
Total Assets 15912731779.00 20814267718.00 38606580528.00 5050703505.00 3669329055.00 84053612585.00

Liabilities:
Borrowings from Bangladesh 2293343038.00 250000000.00 6 50,000,000 - - 3193343038.00
Bank, other banks, financial
institutions and agents
Deposits and other accounts 11258777702.00 18128588440.00 34386351310.00 2515790003.00 2270966869.00 68560474323.00
Provision and other liabilities 1003912178.00 1227003773.00 2119370153.00 1227003773.00 - 5577289877.00
Total Liabilities 14556032918.00 19605592213.00 37155721463.00 3742793776.00 2270966869.00 77331107238.00
Up to 1 More than 5
month's 1-3 months' 3-12 months' 1-5 years' years' Total
Particulars maturity maturity maturity maturity maturity

Net Liquidity 1356698861.00 1208675505.00 1450859065.00 1307909730.00 1398362186.00 6722505347.00
Excess/(shortage)

The bank is Asset Sensitive Asset Sensitive Asset Sensitive Asset Sensitive Asset Sensitive
Total Interest Income 13970859504 13872828785 13516982529 14188100069 14215727558
Total Interest Expense 8988612210 8887621024 8536618439 9204876993 9234313531
Gross interest gain or loss 4982247294 4985207761 4980364090 4983223076 4981414027 24912456248

If Interest rate increased by
2%
Total Interest Income 14289114139 14289114139 14289114139 14289114139 14289114139
Total Interest Expense 9279732869 9279732869 9279732869 9279732869 9279732869
Gross interest gain or loss 5009381271 5009381271 5009381271 5009381271 5009381271 25046906354

Gain or loss for re-pricing 27133977 24173510 29017181 26158195 27967244 134450107
A B C D E F G
1
AB Bank Limited
2 Liquidity Statement
3 (Asset and Liability Maturity Analysis)
4 As at 31 December 2008
5
6 Up to 1 More than 5
Particulars month's 1-3 months' 3-12 months' 1-5 years' years' Total
7 maturity maturity maturity maturity maturity
8 Assets:
9 Cash in hand and with banks 679556149 3416488006 - - - 4096044155
10 Balance with other banks and 1400013425 420000000 480000000 - - 2300013425
11 financial institutions
12 Money at call and on short 920678360 30000000 2 40,000,000 - - 1190678360
13 notice
14 Investments 2870019373 1418899973 2802652560 1665719373 2651244784 1140853606
2
15 Loans and advances 8846568417 13910105257 32550835074 1134175438 267087719 5670877190
6
16 Fixed assets including 14912366 24446502 171125516 1483169297 750996552 2444650234
17 premises, furniture and
18 fixtures
19 Other assets 1180983689 1594327980 2361967377 767639397 - 5904918443
20 Non-banking assets - - - - - -
21 Total Assets =sum(B9:B20) =sum(C9:C20) =sum(D9:D20) =sum(E9:E20) =sum(F9:F20) =sum(G9:G
20)
22
23 Liabilities:
24 Borrowings from Bangladesh 2293343038 250000000 6 50,000,000 - - 3193343038
25 Bank, other banks, financial
26 institutions and agents
27 Deposits and other accounts 11258777702 18128588440 34386351310 2515790003 2270966869 6856047432
3
28 Provision and other liabilities 1003912178 1227003773 2119370153 1227003773 - 5577289877
29 Total Liabilities =SUM(B24:B28) =SUM(C24:C28) =SUM(D24:D28) =SUM(E24:E28) =SUM(F24:F28) =SUM(G24:H
28)
30
31 Net Liquidity =B21-B29 =C21-C29 =D21-D29 =E21-E29 =F21-F29 =SUM(B31:
F31)
32 Excess/(shortage)
33
34 The bank is Asset Sensitive Asset Sensitive Asset Sensitive Asset Sensitive Asset Sensitive
35 Total Interest Income =0.15*B21+0.17 =0.15*C21+0.17 =0.15*D21+0.17 =0.15*E21+0.17 =0.15*F21+0.17
*(G21-B21) *(G21-C21) *(G21-D21) *(G21-E21) *(G21-F21)
36 Total Interest Expanse =0.1*B29+0.12* =0.1*C29+0.12* =0.1*D29+0.12* =0.1*E29+0.12* =0.1*F29+0.12*
(G29-B29) (G29-C29) (G29-D29) (G29-E29) (G29-F29)
37 Gross interest gain or loss =B35-B36 =C35-C36 =D35-D36 =E35-E36 =F35-F36 =SUM(B37:
F37)
38
39 If Interest rate increased by 2%
40 Total Interest Income =B21*0.17+0.17 =C21*0.17+0.17 =D21*0.17+0.17 =E21*0.17+0.17 =F21*0.17+0.17
*(G21-B21) *(G21-C21) *(G21-D21) *(G21-E21) *(G21-F21)
41 Total Interest Expanse =0.12*B29+0.12 =0.12*C29+0.12 =0.12*D29+0.12 =0.12*E29+0.12 =0.12*F29+0.12
*(G29-B29) *(G29-C29) *(G29-D29) *(G29-E29) *(G29-F29)
42 Gross interest gain or loss =B40-B41 =C40-C41 =D40-D41 =E40-E41 =F40-F41 =SUM(B42:
F42)
43
44 Gain or loss for reprising =B42-B37 =C42-C37 =D42-D37 =E42-E37 =F42-F37 =G42-G37