Page 116 - 86395_CCB - 2024 Annual Report (web)
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The Bank monitors its Liquidity Risk using several The table below analyses the Bank’s contractual
metrics including the liquidity coverage ratio (LCR), financial assets and liabilities. Customer deposits
its loan to deposits ratio (LDR) and an internal survival include any accrued interest as at 31 December.
days metric. The Bank’s LCR at 31 December 2024 was The contractual date is the earliest repayment
521% (2023: 718%) and the LDR was 95% (2023: 94%). date of the deposits.
Contractual maturity analysis at Due within Due after more No contractual
31 December 2024 £’000 one year than one year maturity Total
Assets
Cash and balances at central banks 292,850 292,850
Loans and advances to banks 11,829 310 – 12,139
Debt Securities 15,602 49,535 – 65,137
Derivative Financial Assets – 149 – 149
Loans and advances to customers 33,029 1,171,415 – 1,204,444
Other assets and prepayments – – 7,016 7,016
Total Assets 353,310 1,221,409 7,016 1,581,735
Liabilities
Customers’ accounts 1,047,025 224,799 – 1,271,824
Central Bank facilities (TFSME) 55,000 – – 55,000
Subordinated debt liability – 4,800 – 4,800
Lease liabilities 248 1,545 – 1,793
Derivative financial liabilities – – – –
Other Liabilities – – 8,234 8,234
Total liabilities 1,102,273 231,144 8,234 1,341,651
Contractual maturity analysis at Due within Due after more No contractual
31 December 2023 £’000 one year than one year maturity Total
Assets
Cash and balances at central banks 302,473 – – 302,473
Loans and advances to banks 9,590 830 – 10,420
Debt Securities – 47,409 – 47,409
Loans and advances to customers 76,550 1,006,728 – 1,083,278
Other assets and prepayments – – 7,142 7,142
Total Assets 388,613 1,054,967 7,142 1,450,722
Liabilities
Customers’ accounts 948,619 206,605 – 1,155,224
Central Bank facilities (TFSME) – 65,000 – 65,000
Subordinated debt liability – 4,751 – 4,751
Lease liabilities 248 1,671 – 1,919
Derivative financial liabilities 2 650 – 652
Other Liabilities 689 – 7,709 8,398
Total liabilities 949,558 278,677 7,709 1,235,944
