Republic Bank Limited
120
For the year ended September 30, 2015. Expressed in thousands of Trinidad and Tobago dollars ($’000) except where otherwise stated
Notes to theConsolidatedFinancial Statements
4
Financial
21 RISK MANAGEMENT
(continued)
21.2 Credit risk
(continued)
21.2.2 Risk concentrations of the maximum exposure to credit risk
Concentration of risk is managed by client/counterparty, by geographical region and by industry sector as detailed in
the following schedules:
a)
Geographical sectors
The Group’s maximum credit exposure, after taking account of credit loss provisions established but before taking
into account any collateral held or other credit enhancements, can be analysed by the following geographical
regions based on the country of domicile of its counterparties:
2015
2014
Trinidad and Tobago
42,001,307
39,940,733
Barbados
7,307,155
6,845,822
Eastern Caribbean
1,499,065
1,630,028
Guyana
3,920,385
3,419,775
United States
3,944,367
4,288,264
Europe
757,070
1,169,789
Suriname
2,640,184
–
Ghana
2,139,890
–
Other Countries
3,066,616
2,825,130
67,276,039
60,119,541
