UNITY BANK LIMITED 2022 Financial Report
ABN 11 087 650 315 UNITY BANK LIMITED 2022 Financial Report
ABN 11 087 650 315
The table below represents the above maturity profile summarised at discounted values. The contractual arrangements best represents the estimated minimum amount of repayment on the loans, liquid investments and on the member deposits within 12 months. While the liquid investments and member deposits are presented in the table below on a contractual basis, as part of our normal banking operations we would expect a large proportion of these balances to roll over. Loan repayments are generally accelerated by members choosing to repay loans earlier. These advance repayments are at the discretion of the members and are not able to be reliably estimated . The table below represents the assets and liabilities due to be received and paid within 12 months based on the contractual repayment terms on each instrument. These amounts are excluding of the future interest receivable and payable as it represented in the previous table. 2022 2021 Within After Total Within After Total 12 months 12 months 12 months 12 months $'000 $'000 $'000 $'000 ASSETS Cash 19,994 - 19,994 34,227 - 34,227 Receivables 9,414 - 9,414 905 () 905 Liquid investments 270,963 151,098 422,061 244,573 171,490 416,063 Loans to members 85,448 1,010,867 1,096,315 58,327 956,738 1,015,065 Loans to non-members 486 16,173 16,659 2,611 17,949 20,560 Equity investments - FVOCI - 9,128 9,128 - 6,708 6,708 On Balance Sheet 386,305 1,187,266 1,573,571 340,643 1,152,885 1,493,528 Total Financial Assets 386,305 1,187,266 1,573,571 340,643 1,152,885 1,493,528 LIABILITIES Creditors 11,504 - 11,504 4,293 - 4,293 Deposits from financial institutions 1,850 - 1,850 1,500 - 1,500 Member withdrawable shares - 396 396 - 401 401 Deposits from members - at call 768,477 - 768,477 648,128 - 648,128 Deposits from members - term 461,680 20,677 482,357 533,074 6,714 539,788 Long term borrowings - 187,010 187,010 - 187,010 187,010 Total Financial Liabilities 1,243,511 208,083 1,451,594 1,186,996 194,125 1,381,120
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