Allied Bank

Mismatch of interest rate sensitive assets and liabilities
Effective
yield/Interest rate
Total
Upto 1 month
Over 1 month to 3
months
On-balance sheet assets

Assets
Cash and balances with treasury banks
Balances with other banks
Lendings to financial institutions
Investments
Advances
Other assets
0
11.90%
12.69%
12.73%
Financial liabilities
Bills payable
Borrowings from financial institutions
Deposits and other accounts
Sub-ordinated loans
Other liabilities
9.90%
5.81%
14.42%
On-balance sheet gap
36,479,765
1,679,121
1,361,754
195,789,638
244,435,837
12,635,410
492,381,525
5,336,771
1,361,754
5,275,730
45,290,309
57,264,564
22,231,493
149,804,166
172,035,659
4,015,317
49,993,200
399,561,790
5,492,600
11,325,081
470,387,988
21,993,537
33,783,850
60,828,323
94,612,173
(37,347,609)
5,024,781
41,747,838
2,495,000
49,267,619
122,768,040
Maturities of assets and liabilities - based on contractual maturity of the assets and liabilit
Total
Upto 1 month
Over 1 month to 3 Over 3 months to

months
6 months
723,187
31,066
17,311,551
19,963,627
290,838
(54,588)
2,591,199
40,856,880
21,840
6,277
30,116,726
22,618,869
436,256
(42,519)
2,123,996
55,281,445
Assets
Investments
Advances
Operating Fixed assets
Defferred tax assets
Other assets
36,479,765
1,679,121
1,361,754
195,789,638
244,439,837
18,095,123
750,972
17,292,402
515,888,612
26,081,468
1,478,416
1,361,754
2,883,955
52,528,206
145,418
(9,291)
9,193,216
93,663,142
Liabilities
Bills payable
Deposits and other accounts - note 40.1
Sub-ordinated loans
Deffered tax liabilities
Other liabilities
Net gap
4,015,317
49,993,200
399,560,790
5,492,600
13,347,347
472,409,254
43,479,358
2,349,529
33,783,851
91,500,628
3,696,488
131,330,496
(37,667,354)
159,500 5,024,781
7,384,823
43,743,309
31,357,226
600
500
5,646,645
358,340
54,574,835
39,100,889
(13,717,955)
16,180,556
2011
Exposed to Yield / Interest risk
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
Over 5 year to 10
6 months
1 year
years
years
years
years
30,766,483
31,164,889
61,931,372
74,946,026
3,358,944
78,304,970
6,581,314
2,258,479
8,839,793
2,293,499
955,291
3,248,790
21,842,601
2,355,664
24,198,265
7,384,824
31,357,226
2,997,600
41,739,650
20,191,722
292,290
132,923,626
133,215,916
(54,910,946)
584,576
4,643,369
5,227,945
3,611,848
584,576
948,625
1,533,201
1,715,589
2,338,303
1,205,348
3,543,651
20,654,614
2,481,767
2,481,767
526,447
526,447
1,955,320
e assets and liabilities of the Group

2011
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
Over 5 year to 10
1 year
years
years
years
years
3,217,757
54,454
3,994,922
31,153,648
475,839
415,677
2,374
39,314,671
3,217,757
54,454
25,261,062
35,286,734
447,699
(5,579)
45,317
64,307,444
8,354,537
39,279,740
694,314
(442,149)
2,055,405
49,941,847
104,603,387
8,272,273
872,513
131,118
265,187
114,144,478
3,217,756
54,454
3,263,498
31,602,421
912,717
758,303
(546,622)
39,262,527
Over 10 years
3,734,319
13,819,529
1,562,330
19,116,178
292,288
20,750,344
1,100
705,029
21,748,761
92,395,717
502,096
584,576
72,827,684
1,248,200
355,025
75,517,581
(36,255,054)
502,096
584,576
69,132,940
1,248,200
419,171
71,886,983
(32,572,312)
502,096
2,338,305
69,389,663
3,600
674,775
72,908,439
(8,600,995)
526,447
2,990,400
1,491,874
5,008,721
44,933,126
332,549
332,549
18,783,629
Over 10 years
Non-interest bearing
financial instruments
2,481,225
2,481,225
31,142,994
1,679,121
31,852,492
4,285,103
12,635,410
81,595,120
332,549
332,549
2,148,676
4,015,317
125,048,439
11,325,081
140,388,837
(58,793,717)

Effective
yield/Interest rate
Total
Upto 1 month

Assets
Investments
Advances
Other assets
12.22%
12.53%
14.66%
Bills payable
Sub-ordinated loans
Other liabilities
9.15%
5.23%
13.81%
31,265,658
579,700
11,488,944
121,158,730
253,102,710
12,001,011
429,596,753
4,205,540
11,395,277
31,795,537
29,759,168
77,155,522
4,118,791
20,774,450
371,283,948
5,494,800
9,571,536
411,243,525
18,353,228
4,429,756
100,048,460
104,478,216
(27,322,694)
Total
Upto 1 month
Over 1 month to 3
months
Assets
Investments
Advances
Other assets
31,265,658
579,700
11,488,944
121,158,730
253,102,710
15,371,118
483,153
16,516,396
449,966,409
31,265,658
579,700
11,395,277
30,401,148
42,242,420
121,986
(4,699)
8,641,382
124,642,872
6,000
7,627,656
79,458,238
243,972
(61,640)
2,067,352
89,341,578
Liabilities
Bills payable
Sub-ordinated loans
Other liabilities
Net gap
4,118,791
20,774,450
371,280,947
5,494,800
12,307,787
413,976,775
35,989,634
4,118,791
4,429,756
156,354,516
4,385,887
169,288,950
(44,646,078)
4,571,107
54,731,004
600
3,967,902
63,270,613
26,070,965
2010
Over 1 month to 3
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
months
6 months
1 year
years
years
years
6,000
35,606,039
93,298,601
128,910,640
9,000
30,933,115
8,960,402
39,902,517
18,000
4,594,856
101,318,421
105,931,277
36,000
875,197
2,341,794
3,252,991
24,667
2,779,620
1,159,594
3,963,881
2,310,175
7,099,707
9,409,882
4,571,107
31,668,457
2,998,800
39,238,364
89,672,276
6,939,554
21,421,896
2,496,000
30,857,450
9,045,067
371,849
99,354,335
99,726,184
6,205,093
743,697
1,905,394
2,649,091
603,900
743,697
775,526
1,519,223
2,444,658
1,487,395
3,548,589
5,035,984
4,373,898
urity of the assets and liabilities of the Group

2010
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
Over 5 year to 10
6 months
1 year
years
years
years
years
9,000
24,731,040
27,641,295
365,958
(36,830)
2,014,610
54,725,073
18,000
13,349,325
8,411,891
731,917
53,513
1,512,632
24,077,278
36,000
13,529,004
12,902,078
939,768
405,771
745,624
28,558,245
24,667
14,434,659
13,679,215
403,809
727,061
29,269,411
8,748,806
18,243,932
551,582
(5,023)
27,539,297
8,337,092
40,905,788
672,162
(351,614)
49,563,428
6,939,554
44,484,443
500
232,429
51,656,926
3,068,147
371,849
48,281,096
1,100
429,562
49,083,607
(25,006,329)
743,697
13,807,470
2,200
451,408
15,004,775
13,553,470
743,697
12,677,603
1,248,200
645,738
15,315,238
13,954,173
1,487,395
15,450,665
1,249,400
795,947
18,983,407
8,555,890
1,487,395
16,751,613
2,992,800
1,398,914
22,630,722
26,932,706
Over 5 year to 10
Over 10 years
years
(375,592)
5,897,726
5,522,134
1,487,395
1,184,770
2,672,165
2,849,969
Over 10 years
9,617,853
11,339,964
(243,386)
1,534,796
22,249,227
505,227
505,227
(505,227)
27,060,118
579,700
12,639,783
3,267,297
12,001,011
55,547,909
4,118,791
110,871,294
9,571,536
124,561,621
(69,013,712)
8,742,537
8,742,537
13,506,690

Effective
yield/Interest rate
Total
Upto 1 month

Assets
Investments
Advances
Other assets
0.00%
12.22%
12.53%
14.66%
Bills payable
Sub-ordinated loans
Other liabilities
0.00%
9.15%
5.23%
13.81%
26,435,683
1,280,591
28,122,932
94,673,100
237,382,522
14,925,685
402,820,513
3,909,653
148
27,597,346
20,069,962
82,741,375
134,318,484
3,162,429
30,818,532
328,872,559
5,497,000
8,652,498
377,003,018
25,817,495
16,494,831
72,230,754
88,725,585
45,592,899
Total
Upto 1 month
Over 1 month to 3
months
Assets
Investments
Advances
Other assets
26,435,683
1,280,591
28,122,932
94,673,100
237,382,522
12,459,586
17,986,438
418,340,852
26,435,683
1,280,591
27,597,346
20,069,962
37,440,885
57,779
8,362,872
121,245,118
525,586
35,215,734
74,348,804
115,558
2,189,603
112,395,285
Liabilities
Bills payable
Sub-ordinated loans
Other liabilities
Net gap
3,162,429
39,818,532
328,872,559
5,497,000
3,374
11,067,164
388,421,058
29,919,794
3,162,429
16,494,831
143,055,718
(24,456)
4,300,144
166,988,666
(45,743,548)
10,002,829
55,154,523
600
(10,048)
3,882,751
69,030,655
43,364,630
2009
Over 1 month to 3
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
months
6 months
1 year
years
years
years
525,586
35,215,734
107,798,367
143,539,687
23,920,419
27,315,755
51,236,174
6,564,115
661,614
7,225,729
1,002,829
29,247,682
3,000,000
33,250,511
110,289,176
7,728,038
13,351,969
2,497,000
23,577,007
27,659,167
430,218
108,560,820
108,991,038
(101,765,309)
1,618,041
1,618,041
1,274,431
1,274,431
3,252,041
3,252,041
860,436
8,547,080
9,407,516
(7,789,475)
860,436
452,715
1,313,151
(38,720)
1,720,872
497,288
2,218,160
1,033,881
of the assets and liabilities of the Group

2009
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
Over 5 year to 10
6 months
1 year
years
years
years
years
16,240,116
823,992
17,064,108
25,389,442
879,999
26,269,441
299,880
20,250,872
1,204,509
3,700
21,758,961
23,920,419
19,312,547
173,337
2,278,055
45,684,358
6,564,115
18,900,190
346,673
1,744,912
27,555,890
21,576,788
823,992
1,890,508
24,291,288
7,728,038
30,551,474
500
(16,835)
193,410
38,456,587
7,227,771
430,218
40,485,432
1,100
(88,438)
377,917
41,206,229
(13,650,339)
860,436
18,012,593
2,200
137,947
297,415
19,310,591
4,980,697
860,436
9,918,228
2,200
(132,231)
282,483
10,931,116
6,132,992
1,720,872
9,962,802
2,496,400
(89,873)
503,959
14,594,160
11,675,281
1,720,872
11,413,597
2,994,000
194,205
1,229,085
17,551,759
4,207,202
Over 5 year to 10
Over 10 years
years
299,880
4,985,775
5,285,655
3,977,788
3,977,788
22,526,030
1,280,443
8,602,990
3,757,335
14,925,685
51,092,483
1,720,872
1,948,083
3,668,955
1,616,700
764,926
764,926
3,212,862
3,162,429
93,271,242
8,652,498
105,086,169
(53,993,686)
Over 10 years
8,602,990
3,922,878
8,033,747
1,516,788
22,076,403
10,318,192
33,103
10,351,295
11,725,108

Effective
yield/Interest rate
Total
Upto 1 month

Assets
Investments
Advances
Other assets
12.22%
12.53%
14.66%
Bills payable
Sub-ordinated loans
Other liabilities
0.00%
9.15%
5.23%
13.81%
23,653,754
2,096,779
15,793,183
82,671,595
213,114,008
16,411,293
353,740,612
2,554,486
15,493,183
36,143,536
139,727,162
193,918,367
2,952,490
27,778,151
297,475,321
2,498,000
1,164,801
331,868,763
21,871,849
24,132,603
195,418,674
219,551,277
(25,632,910)
Total
Upto 1 month
Over 1 month to 3
months
Assets
Investments
Advances
Other assets
23,653,754
2,096,779
15,793,183
82,646,595
212,972,008
11,134,436
1,029,223
17,369,691
366,695,669
23,653,754
2,096,779
15,493,183
23,503,057
46,630,937
43,772
6,291
6,618,865
118,046,638
300,000
10,583,280
43,497,399
87,544
44,913
1,416,211
55,929,347
Liabilities
Bills payable
Sub-ordinated loans
Other liabilities
Net gap
2,952,490
27,778,151
297,475,321
2,498,000
13,636,093
344,340,055
22,355,614
2,952,490
12,066,612
55,160,320
4,705,780
74,885,202
43,161,436
4,619,375
59,306,769
6,346,226
70,272,370
(14,343,023)
2008
Over 1 month to 3
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
months
6 months
1 year
years
years
years
300,000
13,881,786
37,390,530
51,572,316
15,467,803
20,770,221
36,238,024
3,995,600
1,482,850
5,478,450
509,273
1,708,876
2,218,149
1,813,744
587,772
2,401,516
3,754,978
1,513,588
5,268,566
1,810,346
16,687,651
18,497,997
33,074,319
1,710,590
3,763,965
2,498,000
7,972,555
28,265,469
124,612
3,850,000
3,974,612
1,503,838
2,218,149
2,401,516
5,268,566
y of the assets and liabilities of the Group

2008
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
Over 5 year to 10
6 months
1 year
years
years
years
years
14,121,181
24,913,500
262,631
119,486
4,566,132
43,982,930
7,322,863
17,800,530
1,958,355
118,560
100,032
27,300,340
6,248,336
11,920,803
336,722
125,241
100,032
18,731,134
11,359,783
15,464,598
527,522
129,351
200,063
27,681,317
6,683,799
15,694,013
627,799
462,028
500,159
23,967,798
2,764,757
32,938,527
131,315
23,353
3,368,038
39,225,990
8,664,840
33,657,144
500
199,930
42,522,414
(3,296,424)
592,122
37,491,014
500
218,751
38,302,387
5,680,543
1,132,936
32,255,660
1,000
211,357
33,600,953
(6,300,613)
260,004
25,496,452
1,000
181,654
25,939,110
(7,207,976)
317,651
16,779,473
1,248,000
305,185
18,650,309
9,031,008
124,611
19,656,671
1,247,000
733,605
21,761,887
2,205,911
Over 5 year to 10
Over 10 years
years
2,459,513
4,117,809
6,577,322
2,711,075
2,711,075
21,099,268
2,096,779
4,645,362
3,104,125
16,411,293
47,356,827
6,577,322
2,711,075
2,952,490
77,755,031
1,164,801
81,872,322
(34,515,495)
Over 10 years
59,539
4,111,701
7,158,776
500,159
11,830,175
17,671,818
733,605
18,405,423
(6,575,248)

Effective
yield/Interest rate
Total
Upto 1 month

Assets
Investments
Advances
Other assets
Bills payable
Sub-ordinated loans
Other liabilities
3.71%-4.72%
9.56%
8.99%
10.55%
8.23%
4.28%
11.93%
29,739,857
668,449
18,419,241
83,958,463
168,407,280
9,966,651
311,159,941
620,930
14,354,479
5,226,956
147,644,863
167,847,228
3,949,384
22,933,656
263,972,382
2,499,000
5,230,539
298,584,961
12,574,980
19,223,177
177,294,854
196,518,031
(28,670,803)
Total
Upto 1 month
Over 1 month to 3
months
Assets
Investments
Advances
Other assets
29,739,857
668,449
18,419,241
83,958,463
168,407,280
7,548,628
662,431
10,705,374
320,109,723
29,739,857
668,449
14,354,479
5,665,425
23,632,878
30,264
197,931
1,384,449
75,673,732
4,064,762
17,997,491
35,731,127
60,528
14,290
1,211,008
59,079,206
Liabilities
Bills payable
Sub-ordinated loans
Other liabilities
Net gap
3,494,384
22,933,656
263,972,382
2,499,000
7,332,059
300,231,481
19,878,242
3,494,384
12,404,504
48,461,991
3,156,440
67,517,319
8,156,413
2,308,839
53,579,823
1,797,499
57,686,161
1,393,045
2007
Over 1 month to 3
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
months
6 months
1 year
years
years
years
4,064,762
20,793,363
6,912,889
31,771,014
15,408,023
924,744
16,332,767
8,522,875
1,801,970
10,324,845
1,601,096
1,486,396
3,087,492
53,336
934,062
987,398
2,901,695
1,153,579
4,055,274
1,470,631
12,619,479
14,090,110
17,680,904
2,043,895
3,934,715
2,499,000
8,477,610
7,855,157
195,953
2,381,229
2,577,182
7,747,663
3,087,492
987,398
4,055,274
y of the assets and liabilities of the Group

2007
Over 3 months to
Over 6 months to
Over 1 year to 2
Over 2 year to 3
Over 3 year to 5
Over 5 year to 10
6 months
1 year
years
years
years
years
8,362,387
42,328,286
181,585
17,885
4,192,222
55,082,365
24,327,425
13,511,777
1,123,861
57,367
21,290
39,041,720
1,738,973
10,700,959
242,452
27,851
21,290
12,731,525
9,899,686
15,514,401
349,226
53,463
42,580
25,859,356
4,482,076
12,327,943
420,218
22,832
106,450
17,359,519
10,411,424
10,325,079
90,792
14,128
2,666,112
23,507,535
5,029,153
29,565,060
500
121,419
34,716,132
(11,208,597)
951,313
27,682,616
500
167,826
28,802,255
26,280,110
1,116,464
24,834,784
1,000
189,409
26,141,657
12,900,063
644,814
28,848,192
1,000
176,018
29,670,024
(16,938,499)
282,617
16,174,661
2,000
297,321
16,756,599
9,102,757
195,952
19,257,541
2,494,000
715,668
22,663,161
(5,303,642)
Over 5 year to 10
Over 10 years
years
5,414,812
3,462,196
8,877,008
2,848,735
2,848,735
29,118,927
668,449
24,036,307
1,237,846
9,966,651
65,028,180
8,877,008
2,848,735
3,949,384
67,742,105
5,230,539
76,922,028
(11,893,848)
Over 10 years
1,073,576
4,334,830
5,049,702
256,684
1,059,973
11,774,765
15,567,714
710,459
16,278,173
(4,503,408)

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Mismatch of interest rate sensitive assets and liabilities

On-balance sheet assets

On-balance sheet gap

Over 1 month to 3 Over 3 months to

e assets and liabilities of the Group

Mismatch of interest rate sensitive assets and liabilities

On-balance sheet assets

On-balance sheet gap

urity of the assets and liabilities of the Group

Mismatch of interest rate sensitive assets and liabilities

On-balance sheet assets

On-balance sheet gap

of the assets and liabilities of the Group

Mismatch of interest rate sensitive assets and liabilities

On-balance sheet assets

On-balance sheet gap

y of the assets and liabilities of the Group

Mismatch of interest rate sensitive assets and liabilities

On-balance sheet assets

On-balance sheet gap

y of the assets and liabilities of the Group

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