32 FINANCIAL RISK MANAGEMENT
(continued)
Effective interest rate and repricing analysis
In respect of the interest-earning financial assets and interest-bearing financial liabilities, the following table indicates their
effective interest rates at the balance sheet date and the periods in which they reprice:
Effective
interest
Within
1 year
%
$’000
Group
31 December 2015
Financial assets
Cash at bank and in hand
–
38,674
Short-term bank deposits
0.03 to 5.10
5,910
Financial liabilities
Unsecured bank loans
2.29 to 10.90
19,460
31 December 2014
Financial assets
Cash at bank and in hand
–
35,134
Short-term bank deposits
2.85 to 13.00
2,852
Financial liabilities
Unsecured bank loans
1.62 to 10.10
19,968
Company
31 December 2015
Financial assets
Cash at bank and in hand
–
14,371
Financial liabilities
Unsecured bank loans
2.29 to 3.45
9,987
31 December 2014
Financial assets
Cash at bank and in hand
–
11,901
Financial liabilities
Unsecured bank loans
1.62
10,000
113
TELECHOICE INTERNATIONAL LIMITED
2015 ANNUAL REPORT
NOTES TO THE
FINANCIAL STATEMENTS
