Page 118 - 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
i idit ris contin ed
he li uidity policies and procedures are su ect to review and approval y the Asset and ia ility Committee A CO . Daily reports on the li uidity position o the an is su mitted to senior mana ement and summary report, includin any exceptions and remedial action ta en, is su mitted re ularly to A CO on monthly asis.
E pos re to i idit ris
he ey measure used y the Group or mana in li uidity ris is the composition o net li uid assets to deposits rom customers. or this purpose net li uid assets are considered as includin cash and cash e uivalents and investment or which there is an active and li uid mar et less any deposits rom an s. he Group also uses ap analysis to determine the li uidity position o the Group and where necessary, recommend remedial action.
he Ban ’s li uid ratio determined y the total deposit lia ilities covered y the total li uid assets is set out elow
2019 2018
Liquid assets
ash on hand
Ba ance with anks
ue from ank of hana
acements with foreign anks
reasury i s and notes maturing 1 year overnment onds maturing after 1 year
,
, , , ,
, ,
76, 562 134,964 258,023
1,043,441 233,609 632,456
ota i uid assets
, ,
2,379,055
Deposits
emand deposits avings deposits
ime and term deposits akings from anks
, , , , ,
1,202,383 250,136 999,557 111,066
ota deposit ia i ities
, ,
2,563,142
i uid ratio

89.83%
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