ALM Liquidity Workpaper

Virtual ALM workpaper only; it is labeled VIRTUAL_ALM and blocked by ALM_TEMPLATE_NOT_CONFIGURED.

Maturity of Asset and Liability

ALM maturity ladder with assets, liabilities, off-balance sheet, net mismatch, and cumulative mismatch.

INTERNAL_WORKPAPERSTRESS_ANALYSIS_ONLYOFFICIAL_EXPORT_BLOCKED

EntityBestBank S.C

Reporting periodMar 31, 2026

UnitIn Millions of Birr

Source referenceVirtual ALM maturity gap workpaper

Source basisTEMPLATE_LAYOUT_AND_CELL_MAP

Evidence statusREVIEW_REQUIRED

No stress applied — official baseline workbook view.

Open stress levers to add analysis-only columns beside the workbook. Official values remain unchanged.

Official baseline columns
Item	Assets / Liabilities / Off-balance	Amount	1 day	2-7 days	8-14 days	15 days to 1 month	1-3 months	3-6 months	6-12 months	1-3 years	Over 3 years	Non-maturity	Total
A	Assets
A1	Cash and balances with NBE	4,250	4,250	-	-	-	-	-	-	-	-	-	4,250
A2	Loans and advances	18,600	180	640	820	1,450	2,960	3,420	4,100	3,880	1,150	-	18,600
A3	Investment securities	6,140	-	300	280	420	1,050	1,140	1,360	1,220	370	-	6,140
L	Liabilities
L1	Customer deposits	(23,700)	(3,620)	(2,860)	(1,650)	(2,240)	(3,420)	(2,900)	(2,140)	(960)	-	(3,910)	(23,700)
L2	Borrowings and wholesale funding	(3,900)	(240)	(1,300)	(400)	(320)	(640)	(600)	(400)	-	-	-	(3,900)
O	Off-balance sheet
O1	Committed facilities and guarantees	(1,200)	-	(120)	(160)	(240)	(280)	(260)	(140)	-	-	-	(1,200)
	NET Mismatch	170	570	(3,340)	(1,110)	(930)	(330)	800	2,780	4,140	1,520	(3,910)	170
	Cumulative Mismatch		570	(2,770)	(3,880)	(4,810)	(5,140)	(4,340)	(1,560)	2,580	4,100	190	190

ALM remains virtual for the current reporting cycle and is intentionally blocked from official export.

VIRTUAL_ALMVirtual workpaperALM values are current-cycle cashflow-ladder evidence only.

ALM_TEMPLATE_NOT_CONFIGUREDTemplate missingOfficial ALM template is not configured for export readiness.

OFFICIAL_BLOCKEDExport blockedVirtual ALM lineage cannot satisfy official export evidence.