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ST. KITTS-NEVIS-ANGUILLA NATIONAL BANK LIMITED Notes to Consolidated Financial Statements June 30, 2021 (expressed in thousands of Eastern Caribbean dollars) 3 Management of financial and insurance risks ... continued 3.3 Liquidity risk...continued 3.3.3 Cash flows The table below analyses assets and liabilities of the Group into relevant maturity groupings based on the remaining period at the reporting date to the contractual maturity date. As of June 30, 2021 Financial liabilities Customers' deposits Borrowings Lease liabilities Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap As of June 30, 2020 Financial liabilities Customers' deposits Lease liabilities Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap Up to 1 month 1,474,655 42,942 71 225,103 1,742,771 2,289,464 546,693 1,433,977 37 129,006 1,563,020 1,899,801 336,781 1 to 3 months 183,611 143 20,370 204,124 4,225 (199,899) 169,600 74 10,608 180,282 3 to 12 months 963,858 642 6,375 970,875 105,239 (865,636) 943,166 334 6,375 949,875 43,371 97,166 (136,911) (852,709) 1 to 5 years S 1,090 1,090 703,126 702,036 1,002 664 1,666 695,932 694,266 Over 5 years S 58 545,274 545,216 56,033 56,107 497,541 441,434 Total S 2,622,124 42,942 2,004 6,375 245,473 2,918,918 3,647,328 728,410 2,547,745 1,183 6,375 195,647 2,750,950 3,233,811 482,861 TABLE OF CONTENTS

ST. KITTS-NEVIS-ANGUILLA NATIONAL BANK LIMITED Notes to Consolidated Financial Statements June 30, 2021 (expressed in thousands of Eastern Caribbean dollars) 3 Management of financial and insurance risks ... continued 3.3 Liquidity risk...continued 3.3.3 Cash flows The table below analyses assets and liabilities of the Group into relevant maturity groupings based on the remaining period at the reporting date to the contractual maturity date. As of June 30, 2021 Financial liabilities Customers' deposits Borrowings Lease liabilities Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap As of June 30, 2020 Financial liabilities Customers' deposits Lease liabilities Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap Up to 1 month 1,474,655 42,942 71 225,103 1,742,771 2,289,464 546,693 1,433,977 37 129,006 1,563,020 1,899,801 336,781 1 to 3 months 183,611 143 20,370 204,124 4,225 (199,899) 169,600 74 10,608 180,282 3 to 12 months 963,858 642 6,375 970,875 105,239 (865,636) 943,166 334 6,375 949,875 43,371 97,166 (136,911) (852,709) 1 to 5 years S 1,090 1,090 703,126 702,036 1,002 664 1,666 695,932 694,266 Over 5 years S 58 545,274 545,216 56,033 56,107 497,541 441,434 Total S 2,622,124 42,942 2,004 6,375 245,473 2,918,918 3,647,328 728,410 2,547,745 1,183 6,375 195,647 2,750,950 3,233,811 482,861 TABLE OF CONTENTS

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Using the attached picture explain if the bank is in a good position in terms of the liquidity gap ratio.

 

 

96 Re-Imagining The Future... Powered by a Proud Past ST. KITTS-NEVIS-ANGUILLA NATIONAL BANK LIMITED Notes to Consolidated Financial Statements June 30, 2021 Financial liabilities Customers' deposits Lease liabilities 3 Management of financial and insurance risks ... continued 3.3 Liquidity risk...continued 3.3.3 Cash flows The table below analyses assets and liabilities of the Group into relevant maturity groupings based on the remaining period at the reporting date to the contractual maturity date. As of June 30, 2021 Financial liabilities Customers' deposits Borrowings Lease liabilities Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap As of June 30, 2020 Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap (expressed in thousands of Eastern Caribbean dollars) Up to 1 month $ 1,474,655 42,942 71 225,103 1,742,771 2,289,464 546,693 1,433,977 37 129,006 1,563,020 1,899,801 336,781 1 to 3 months $ 183,611 143 169,600 74 3 to 12 months $ 10,608 180,282 43,371 (136,911) 963,858 20,370 204,124 970,875 4,225 105,239 (199,899) (865,636) 642 6,375 943,166 334 6,375 949,875 97,166 (852,709) 1 to 5 years S 1,090 1,090 703,126 702,036 1,002 664 1,666 695,932 694,266 Over 5 years S 58 58 545,274 545,216 74 56,033 56,107 497,541 441,434 Total $ 2,622,124 42,942 2,004 6,375 245,473 2,918,918 3,647,328 728,410 2,547,745 1,183 6,375 195,647 2,750,950 3,233,811 482,861 TABLE OF CONTENTS
Transcribed Image Text:96 Re-Imagining The Future... Powered by a Proud Past ST. KITTS-NEVIS-ANGUILLA NATIONAL BANK LIMITED Notes to Consolidated Financial Statements June 30, 2021 Financial liabilities Customers' deposits Lease liabilities 3 Management of financial and insurance risks ... continued 3.3 Liquidity risk...continued 3.3.3 Cash flows The table below analyses assets and liabilities of the Group into relevant maturity groupings based on the remaining period at the reporting date to the contractual maturity date. As of June 30, 2021 Financial liabilities Customers' deposits Borrowings Lease liabilities Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap As of June 30, 2020 Acceptances, guarantees and letters of credit Other liabilities Total financial liabilities Assets held to manage liquidity risk Net liquidity gap (expressed in thousands of Eastern Caribbean dollars) Up to 1 month $ 1,474,655 42,942 71 225,103 1,742,771 2,289,464 546,693 1,433,977 37 129,006 1,563,020 1,899,801 336,781 1 to 3 months $ 183,611 143 169,600 74 3 to 12 months $ 10,608 180,282 43,371 (136,911) 963,858 20,370 204,124 970,875 4,225 105,239 (199,899) (865,636) 642 6,375 943,166 334 6,375 949,875 97,166 (852,709) 1 to 5 years S 1,090 1,090 703,126 702,036 1,002 664 1,666 695,932 694,266 Over 5 years S 58 58 545,274 545,216 74 56,033 56,107 497,541 441,434 Total $ 2,622,124 42,942 2,004 6,375 245,473 2,918,918 3,647,328 728,410 2,547,745 1,183 6,375 195,647 2,750,950 3,233,811 482,861 TABLE OF CONTENTS
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