UNITY BANK LIMITED 2022 Financial Report UNITY BANK LIMITED 2022 Financial Report
ABN 11 087 650 315
ABN 11 087 650 315
32. MATURITY PROFILE OF FINANCIAL ASSETS AND LIABILITIES Monetary assets and liabilities have differing maturity profiles depending on the contractual term, and in the case of loans the repayment amount and frequency. The table below shows the period in which different monetary assets and liabilities held will mature and be eligible for renegotiation or withdrawal. In the case of loans, the table shows the period over which the principal outstanding will be repaid based on the remaining period to the repayment date assuming contractual repayments are maintained and is subject to change in the event that current repayment conditions are varied. Financial assets and liabilities are at the undiscounted values (including future interest expected to be earned or paid). Accordingly, these values will not agree to the statement of financial position. 2022 Balance Up to 3 - 12 1 - 5 After 5 No Total Cash Sheet 3 Months Months Years Years Maturity Flows ASSETS $'000 $'000 $'000 $'000 $'000 $'000 $'000 Cash 19,994 19,994 - - - - 19,994 Receivables 9,414 9,414 - - - - 9,414 Liquid investments 422,061 185,122 67,530 170,101 - - 422,753 Loans to members 1,096,315 24,337 61,111 298,263 1,149,875 - 1,533,586 Loans to non-members 16,659 777 428 15,069 385 - 16,659 Equity investments - FVOCI 9,128 - - - - 9,128 9,128 On Balance Sheet 1,573,571 239,644 129,069 483,433 1,150,260 9,128 2,011,534 Total Financial Assets 1,573,571 239,644 129,069 483,433 1,150,260 9,128 2,011,534 LIABILITIES Creditors 11,504 11,504 - - - - 11,504 Deposits from financial institutions 1,850 - 1,850 - - - 1,850 Member withdrawable shares 396 - - - - 396 396 Deposits from members - at call 768,477 768,477 - - - - 768,477 Deposits from members - term 482,357 292,970 168,710 20,677 - - 482,357 Long term borrowings 187,010 - - 187,571 - - 187,571 On Balance Sheet 1,451,594 1,072,951 170,560 208,248 - 396 1,452,155 Undrawn loan commitments - 107,784 - - - - 107,784 Total Financial Liabilities 1,451,594 1,180,735 170,560 208,248 - 396 1,559,939
2021
Balance Sheet
Up to
3 - 12
1 - 5 Years $'000
After 5 Years $'000
No
Total Cash
3 Months Months
Maturity
Flows $'000
$'000
$'000
$'000
$'000
ASSETS
Cash
34,227
34,229
- -
- -
- - -
- - - - -
34,229
Receivables
906
905
905
Liquid investments Loans to members Loans to non-members Equity investments - FVOCI
416,063 1,015,065 20,560
166,536 19,427 1,870
78,297 55,310
174,762 265,629 18,940
419,595 1,323,529 25,426
983,163 3,825
791
6,708
-
-
-
-
6,708 6,708
6,708
1,493,528
222,967
134,398
459,331
986,988
1,810,392
On Balance Sheet
Total Financial Assets
1,493,528
222,967
134,398
459,331
986,988
6,708
1,810,392
LIABILITIES Creditors
4,294 1,500
4,293
-
- - - -
- - - - - - - -
- - - - -
4,293 1,502
Deposits from financial institutions Member withdrawable shares Deposits from members - at call Deposits from members - term Long term borrowings On Balance Sheet Undrawn loan commitments
- -
1,502
401
- -
401
401
648,128 539,788 187,010 1,381,120
648,128 215,993 868,461 103,284 47
648,128 541,060 187,571 1,382,955 103,284
318,269
6,798 187,384 194,182
140
319,911
401
-
-
-
-
Total Financial Liabilities
1,381,120
971,745
319,911
194,182
-
401
1,486,239
68
61
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