Consolidated Balance Sheet
as at Septembre 30, 2005 (unaudited) |
| ASSETS(LL millions) |
30-Sep-2005 |
30-Sep-2004 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Cash and Central Banks |
2,507,934 |
2,523,201 |
5,031,135 |
2,974,613 |
1,808,072 |
4,782,685 |
| Lebanese Treasury bills and other government bills |
1,334,326 |
1,650,990 |
2,985,316 |
1,037,574 |
1,262,421 |
2,299,995 |
| Bonds and financial instruments with fixed income |
|
624,737 |
624,737 |
|
566,740 |
566,740 |
| Marketable securities and financial instruments with variable income |
759 |
21,698 |
22,457 |
793 |
20,294 |
21,087 |
| Banks and financial institutions |
86,012 |
3,241,957 |
3,327,969 |
33,209 |
3,192,751 |
3,225,960 |
| - Current accounts |
6,882 |
548,350 |
555,232 |
13,576 |
565,467 |
579,043 |
| - Time deposits |
79,130 |
2,693,607 |
2,772,737 |
19,633 |
2,627,284 |
2,646,917 |
| - Purchase of financial instruments with an option to resell |
|
|
|
|
|
|
| Due from Head office, branches and affiliates |
|
|
|
|
|
|
| - Current accounts |
|
|
|
|
|
|
| - Time deposits |
|
|
|
|
|
|
| Loans and advances to customers |
277,220 |
3,259,378 |
3,536,598 |
247,710 |
2,926,982 |
3,174,692 |
| - Commercial loans* |
153,210 |
2,644,777 |
2,797,987 |
122,271 |
2,323,311 |
2,445,582 |
| - Other loans to customers* |
83,427 |
393,570 |
476,997 |
98,614 |
244,884 |
343,498 |
| - Overdraft accounts |
3,276 |
29,279 |
32,555 |
2,734 |
132,380 |
135,114 |
| - Net debtor accounts against creditor and cash collateral accounts |
|
7,409 |
7,409 |
|
|
|
| - Advances to related parties (o.w.cash collateral of LL 50.55 billion as at September end 2005) |
41,915 |
108,494 |
150,409 |
38,188 |
108,748 |
146,936 |
| - Doubtful loans** |
(4,608) |
75,849 |
71,241 |
(14,097) |
117,659 |
103,562 |
| Bank acceptances |
|
140,129 |
140,129 |
|
127,486 |
127,486 |
| Investments and related loans |
13,966 |
128,507 |
142,473 |
13,731 |
76,082 |
89,813 |
| Investments and related loans under equity method |
|
|
|
|
|
|
| -Non financial institutions |
|
|
|
|
|
|
| - Financial institutions |
|
|
|
|
|
|
| Tangible fixed assets (including revaluation variance approved by the Central Bank) |
294,666 |
80,609 |
375,275 |
300,665 |
64,682 |
365,347 |
| Intangible fixed assets |
6,349 |
3,081 |
9,430 |
3,556 |
3,430 |
6,986 |
| Other assets |
943 |
1,459 |
2,402 |
854 |
680 |
1,534 |
| Regularisation accounts and other debtor accounts |
35,818 |
83,435 |
119,253 |
26,322 |
63,214 |
89,536 |
| Revaluation variance on other fixed assets |
|
|
|
|
|
|
| Goodwill |
33,838 |
66,331 |
100,169 |
22,064 |
79,054 |
101,118 |
| |
|
|
|
|
|
|
| TOTAL ASSETS** |
4,591,831 |
11,825,512 |
16,417,343 |
4,661,091 |
10,191,888 |
14,852,979 |
| Back to top |
| *Out of which sub-standard loans amounting to : |
|
|
53,258 |
|
|
79,897 |
| ** After deduction of provision for doubtful loans |
|
|
104,159 |
|
|
141,846 |
| and unrealised interest: |
|
|
|
|
|
|
| *For sub-standard loans |
|
|
12,394 |
|
|
17,030 |
| **For doubtful loans |
|
|
59,931 |
|
|
96,129 |
| Off-Balance Sheet Items |
| Financing commitments received |
|
|
|
|
|
|
| Signature commitments received |
26,210 |
67,402 |
93,612 |
15,936 |
30,817 |
46,753 |
| Financial instruments sold with a buy back option |
|
|
|
|
54,632 |
54,632 |
| Engagements on financial instruments |
|
|
|
|
1,121 |
1,121 |
| - Option on forex swap |
|
|
|
|
1,121 |
1,121 |
| - Option on interest swap |
|
|
|
|
|
|
| Other engagements received |
371,778 |
1,739,435 |
2,111,213 |
412,838 |
1,607,782 |
2,020,620 |
| Fiduciary assets, Custody accounts and Assets under management |
490,532 |
5,350,919 |
5,841,451 |
326,620 |
4,736,664 |
5,063,284 |
| Forward operations: |
|
861,834 |
861,834 |
|
1,350,260 |
1,350,260 |
| -Foreign currencies to receive |
|
861,834 |
861,834 |
|
1,350,260 |
1,350,260 |
| -Currency options market value |
|
|
|
|
|
|
| Bad debts classified under off balance sheet items |
24,411 |
236,705 |
261,116 |
25,060 |
151,716 |
176,776 |
| Back to top |
Consolidated Balance Sheet
as at Septembre 30, 2005 (unaudited) |
| LIABILITIES(LL millions) |
30-Sep-05 |
30-Sep-04 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Central Bank |
57,952 |
|
57,952 |
57,966 |
|
57,966 |
| Banks and financial institutions |
125,640 |
502,292 |
627,932 |
148,025 |
603,384 |
751,409 |
| - Current accounts |
5,828 |
175,398 |
181,226 |
11,461 |
356,288 |
367,749 |
| - Time deposits |
119,812 |
326,894 |
446,706 |
136,564 |
247,096 |
383,660 |
| - Sale of financial instruments with an option to rebuy |
|
|
|
|
|
|
| Due to Head office, branches and affiliates |
|
|
|
|
|
|
| - Current accounts |
|
|
|
|
|
|
| - Time deposits |
|
|
|
|
|
|
| Deposits from customers |
3,669,232 |
10,148,756 |
13,817,988 |
3,814,213 |
8,780,366 |
12,594,579 |
| - Sight deposits |
257,462 |
1,444,206 |
1,701,668 |
296,822 |
1,108,853 |
1,405,675 |
| - Time deposits |
971,223 |
3,699,388 |
4,670,611 |
908,112 |
3,456,402 |
4,364,514 |
| - Savings accounts |
2,382,155 |
4,107,766 |
6,489,921 |
2,494,545 |
3,414,743 |
5,909,288 |
| - Net creditor and cash collateral accounts against debtor accounts |
51,356 |
836,007 |
887,363 |
90,827 |
725,224 |
816,051 |
| - Related parties accounts |
7,036 |
61,389 |
68,425 |
23,907 |
75,144 |
99,051 |
| Engagements by acceptances |
|
140,129 |
140,129 |
|
127,486 |
127,486 |
| Liabilities under financial instruments |
|
157,232 |
157,232 |
|
157,232 |
157,232 |
| - Certificates of deposit |
|
157,232 |
157,232 |
|
157,232 |
157,232 |
| - Debenture bonds |
|
|
|
|
|
|
| - Other liabilities under financial instruments |
|
|
|
|
|
|
| Other liabilities |
86,136 |
229,838 |
315,974 |
59,231 |
85,785 |
145,016 |
| Regularisation accounts and other creditor accounts |
84,744 |
29,401 |
114,145 |
14,221 |
22,699 |
36,920 |
| Provisions for risks and charges |
25,236 |
10,596 |
35,832 |
20,552 |
3,113 |
23,665 |
| Subordinated notes |
|
|
|
|
|
|
| Shareholders' equity |
506,899 |
531,756 |
1,038,655 |
469,844 |
416,375 |
886,219 |
| -Revaluation variance accepted in the supplementary capital |
18,600 |
|
18,600 |
18,600 |
|
18,600 |
| -Share capital |
292,467 |
111,260 |
403,727 |
59,581 |
75,975 |
135,556 |
| - Group share |
291,662 |
72,586 |
364,248 |
58,332 |
72,586 |
130,918 |
| Ordinary shares 22.766.240 |
|
|
|
|
|
|
| Preferred shares 6.400.000 |
|
|
|
|
|
|
| - Minority share |
805 |
38,674 |
39,479 |
1,249 |
3,389 |
4,638 |
| -Reserves for general banking risks |
28,919 |
36,061 |
64,980 |
23,611 |
46,841 |
70,452 |
| - Group share |
28,909 |
36,033 |
64,942 |
23,602 |
46,818 |
70,420 |
| - Minority share |
10 |
28 |
38 |
9 |
23 |
32 |
| -Reserves and premiums and equity differences |
161,754 |
337,702 |
499,456 |
365,883 |
311,439 |
677,322 |
| - Group share |
160,608 |
337,656 |
498,264 |
366,485 |
305,268 |
671,753 |
| - Minority share |
1,146 |
46 |
1,192 |
(602) |
6,171 |
5,569 |
| - Less : Treasury GDR's |
(56) |
(237) |
(293) |
(892) |
(19,828) |
(20,720) |
| -Profit carried forward |
(1,882) |
3,426 |
1,544 |
|
|
|
| - Group share |
(1,890) |
3,453 |
1,563 |
|
|
|
| - Minority share |
8 |
(27) |
(19) |
|
|
|
| -Net income for the year |
|
|
|
|
|
|
| - Group share |
|
|
|
|
|
|
| - Minority share |
|
|
|
|
|
|
| -Cumulative changes in fair value |
7,097 |
43,544 |
50,641 |
3,061 |
1,948 |
5,009 |
| Revaluation variance of fixed assets |
|
|
|
|
|
|
| Income and expense accounts |
104,502 |
7,002 |
111,504 |
68,473 |
4,014 |
72,487 |
| Total Liabilities & Shareholders' Equity |
4,660,341 |
11,757,002 |
16,417,343 |
4,652,525 |
10,200,454 |
14,852,979 |
| Back to top |
|
