Consolidated Balance Sheet
as at June 30, 2007 (unaudited) |
| ASSETS(LL millions) |
30-June-2007 |
30-June-2006 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Cash and Central Banks |
2,517,535 |
3,772,241 |
6,289,776 |
2,633,301 |
2,866,891 |
5,500,192 |
| - Cash |
46,045 |
74695 |
120,740 |
33,914 |
63,856 |
97,770 |
| - Credit risk ceded |
|
211,461 |
211,461 |
|
210,827 |
210,827 |
| - Net Exposure |
2,471,490 |
3,486,085 |
5,957,575 |
2,599,387 |
2,592,208 |
5,191,595 |
| Lebanese Treasury bills and other government bills |
852,399 |
3,615,898 |
4,468,297 |
1,367,942 |
1,920,397 |
3,288,339 |
| - Credit risk ceded |
|
518,527 |
518,527 |
|
163,921 |
163,921 |
| - Net Exposure |
852,399 |
3,097,371 |
3,949,770 |
1,367,942 |
1,756,476 |
3,124,418 |
| Bonds and financial instruments with fixed income |
|
698,155 |
698,155 |
|
1,402,242 |
1,402,242 |
| Shares, securities and financial assets with variable income |
8,285 |
226,488 |
234,773 |
10,304 |
234,241 |
244,545 |
| Banks and financial institutions |
61,462 |
4,569,811 |
4,631,273 |
46,790 |
3,428,815 |
3,475,605 |
| - Current accounts |
20,335 |
832,094 |
852,429 |
4,966 |
852,158 |
857,124 |
| - Time deposits |
41,127 |
3,737,717 |
3,778,844 |
41,824 |
2,576,657 |
2,618,481 |
| - 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 * |
286,237 |
5,653,203 |
5,939,440 |
259,790 |
3,993,103 |
4,252,893 |
| - Commercial loans** |
124,414 |
4,698,361 |
4,822,775 |
107,311 |
3,349,622 |
3,456,933 |
| - Other loans to customers** |
115,659 |
597,670 |
713,329 |
109,340 |
436,993 |
546,333 |
| - Overdraft accounts |
2,912 |
96,825 |
99,737 |
3,056 |
17,557 |
20,613 |
| - Net debtor accounts against creditor and cash collateral accounts |
|
408 |
408 |
|
468 |
468 |
| - Advances to related parties (o.w.cash collateral of LL . billion as at March end 2007) |
51,733 |
194,682 |
246,415 |
46,501 |
139,074 |
185,575 |
| - Doubtful loans*** |
(8,481) |
65,257 |
56,776 |
(6,418) |
49,389 |
42,971 |
| Bank acceptances |
|
219,135 |
219,135 |
|
146,021 |
146,021 |
| Investments and related loans |
1 |
44,512 |
44,513 |
1 |
48,280 |
48,281 |
| Investments and related loans under equity method |
4,319 |
18,254 |
22,573 |
4,251 |
4,006 |
8,257 |
| -Non financial institutions |
4,319 |
18,254 |
22,573 |
4,251 |
4,006 |
8,257 |
| - Financial institutions |
|
|
|
|
|
|
| Tangible fixed assets (including revaluation variance approved by the Central Bank) |
281,112 |
195,081 |
476,193 |
290,788 |
113,546 |
404,334 |
| Intangible fixed assets |
5,040 |
6,595 |
11,635 |
6,565 |
81,428 |
87,993 |
| Other assets |
1,400 |
187 |
1,587 |
1,338 |
2,471 |
3,809 |
| Regularization accounts and other debtor accounts |
32,528 |
99,106 |
131,634 |
38,483 |
85,047 |
123,530 |
| Revaluation variance on other fixed assets |
|
|
|
|
|
|
| Goodwill |
33,831 |
184,719 |
218,550 |
33,838
|
118,934
|
152,772
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| TOTAL ASSETS*** |
4,084,149
|
19,303,385
|
23,387,534
|
4,693,391
|
14,445,422
|
19,138,813
|
| * Of which 30% against cash collateral as at March 2007 |
| Back to top |
| **Out of which sub-standard loans amounting to : |
|
|
30,818
|
|
|
39,188
|
| ***After deduction of provision for doubtful loansand unrealised interest: |
|
|
163,182
|
|
|
145,037
|
| **For sub-standard loans |
|
|
6,406
|
|
|
7,216
|
| ***For doubtful loans |
|
|
76,339
|
|
|
62,132
|
| Off-Balance Sheet Items |
30-June-2007 |
30-June-2006 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Financing commitments received |
|
|
|
|
|
|
| Signature commitments received |
22,193
|
146,600
|
168,793
|
22,901
|
58,610
|
81,511
|
| Financial instruments sold with a buy back option |
|
|
|
|
|
|
| Engagements on term financial instruments |
|
|
|
|
|
|
| - Option on forex swap |
|
|
|
|
|
|
| - Option on interest swap |
|
|
|
|
|
|
| Other engagements received |
209,927
|
2,634,127
|
2,844,054
|
300,956
|
1,954,312
|
2,255,268
|
| Fiduciary assets and Assets under management |
6,778
|
4,855,810
|
4,862,588
|
7,428
|
3,986,361
|
3,993,789
|
| Custody accounts |
907,841
|
2,754,399
|
3,662,240
|
582,025
|
2,633,298
|
3,215,323
|
| Forward operations: |
|
872,902 |
872,902 |
|
885,019 |
885,019 |
| -Foreign currencies to receive |
|
872,902 |
872,902 |
|
885,019 |
885,019 |
| Bad debts transferred to off balance sheet items |
27,008 |
242,681 |
269,689 |
25,396 |
240,918 |
266,314 |
| Back to top |
Consolidated Balance Sheet
as at June 30, 2007 (unaudited) |
| LIABILITIES(LL millions) |
30-June-2007 |
30-June-2006 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Central Bank |
|
5,622
|
5,622
|
27,695
|
|
27,695
|
| Banks and financial institutions |
4,035
|
306,013
|
310,048
|
27,494
|
282,643
|
310,137
|
| - Current accounts |
3,044
|
229,134
|
232,178
|
9,321
|
161,974
|
171,295
|
| - Time deposits |
991
|
76,879
|
77,870
|
18,173
|
120,669
|
138,842
|
| - Sale of financial instruments with an option to rebuy |
|
|
|
|
|
|
| Due to Head office, branches and affiliates |
|
|
|
|
|
|
| - Current accounts |
|
|
|
|
|
|
| - Time deposits |
|
|
|
|
|
|
| Deposits from customers |
3,162,772
|
16,601,690
|
19,764,462
|
3,776,081
|
12,019,290
|
15,795,371
|
| - Sight deposits |
258,151
|
1,941,883
|
2,200,034
|
270,102
|
1,630,883
|
1,900,985
|
| - Time deposits |
635,362
|
7,773,508
|
8,408,870
|
839,982
|
5,187,864
|
6,027,846
|
| - Savings accounts |
2,226,913
|
4,986,067
|
7,212,980
|
2,597,571
|
4,272,621
|
6,870,192
|
| - Net creditor and cash collateral accounts against debtor accounts |
32,411
|
675,468
|
707,879
|
55,716
|
711,198
|
766,914
|
| - Related parties accounts |
9,935
|
1,224,764
|
1,234,699
|
12,710
|
216,724
|
229,434
|
| Engagements by acceptances |
|
219,135
|
219,135
|
|
146,021
|
146,021
|
| Liabilities under financial instruments |
|
153,148
|
153,148
|
|
153,148
|
153,148
|
| - Certificates of deposit |
|
153,148
|
153,148
|
|
153,148
|
153,148
|
| - Debenture bonds |
|
|
|
|
|
|
| - Other liabilities under financial instruments |
|
|
|
|
|
|
| Other liabilities |
162,285
|
138,674
|
300,959
|
101,147
|
100,727
|
201,874
|
| Regularization accounts and other creditor accounts |
23,929
|
60,739
|
84,668
|
19,315
|
42,924
|
62,239
|
| Provisions for risks and charges |
34,237
|
14,412
|
48,649
|
24,966
|
11,721
|
36,687
|
| Subordinated notes |
|
|
|
|
|
|
| Shareholders' equity |
772,540
|
1,590,641
|
2,363,181
|
705,615
|
1,570,622
|
2,276,237
|
| -Revaluation variance accepted in the supplementary capital |
18,600
|
|
18,600 |
18,600 |
|
18,600 |
| -Share capital |
404,877
|
174,606
|
579,483
|
404,949
|
112,300
|
517,249
|
| - Group share |
404,162
|
72,586
|
476,748
|
404,162
|
72,586
|
476,748
|
| Ordinary shares 32.766.240 |
|
|
|
|
|
|
| Preferred shares 7.650.000 |
|
|
|
|
|
|
| - Minority share |
715
|
102,020
|
102,735
|
787 |
39,714
|
40,501
|
| -Reserves for general banking risks |
32,299
|
68,835
|
101,134
|
34,283
|
45,444
|
79,727
|
| - Group share |
32,299
|
68,835
|
101,134
|
34,272
|
45,409
|
79,681
|
| - Minority share |
|
|
|
11 |
35
|
46
|
| -Reserves and premiums and equity differences |
278,920
|
1,240,717
|
1,519,637
|
216,452
|
1,324,565
|
1,541,017
|
| - Group share |
276,446
|
1,242,057
|
1,518,503
|
214,616
|
1,323,780
|
1,538,396
|
| - Minority share |
2,474
|
(1,340)
|
1,134
|
1,836
|
785
|
2,621
|
| -Employees' stock option plan as per IFRS 2 |
2,536
|
|
