Page 117 - ACCESS ANNUAL REPORT 2019

NOTES (continued)
A a o nts are in tho sands o hana edis n ess otherwise stated Financia ris anage ent contin ed
redit ris anage ent contin ed
oncentration o credit ris contin ed
Concentration y industry or loans and advances are measured ased on the industry in which customer operates. here the nature o usiness operation o a client cannot e clearly identified, it is classified as miscellaneous.
Analysis o concentration or other financial assets are provided elow
2019 2018
Government of Ghana
, ,
1,312,847
Other financia instit tions
,
1,181,964
, ,
2,496,829
ess i pair ent
,
(5,164)
carrying amount
, ,
2,491,665
e ratios on oans and advances
he Ban ’s provision or loan loss is 9.9 201 1 .9 o the ross loans and advances.
he ross non per ormin loans classified under the Ban o Ghana Prudential uideline amountin to G 309. 2 million 201 G 301.19 million constitute 21. 201 30.31 o the total ross loans and advances.
he fi ty 50 lar est exposure ross unded and non unded constitute 95. 201 9 . 1 o the Ban ’s total exposure.
i idit ris
he Group defines li uidity ris s as the ris that the Group will encounter difficulty meetin o li ations associated with financial lia ilities that are settled y deliverin cash or other financial assets. he Ban maintains li uidity limit imposed y the re ulator, Ban o Ghana.
reasury monitors compliance o all ranches to ensure that the Ban maintains optimum li uid assets. he Group aims to e in a position to meet all o li ations, repay depositors, ulfil commitments to lend and meet any other commitments.
reasury unit receives in ormation rom other usiness units re ardin the li uidity profile o their financial assets and lia ilities and o other pro ected cash ows arisin rom pro ected uture usiness. reasury unit then maintains a port olio o short term li uid assets, lar ely made up o short term li uid investment securities, loans and advances to an s and other inter an acilities, to ensure that sufficient li uidity is maintained within the Ban .
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