Consolidated Balance Sheet
as at March 31, 2006 (unaudited) |
| ASSETS(LL millions) |
31-Mar-2006 |
31-Mar-2005 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Cash and Central Banks |
2,578,458 |
2,789,847 |
5,368,305 |
2,521,454 |
2,626,407 |
5,147,861 |
| Lebanese Treasury bills and other government bills |
1,490,530 |
1,832,727 |
3,323,257 |
745,093 |
1,727,636 |
2,472,729 |
| Bonds and financial instruments with fixed income |
|
889,515 |
889,515 |
|
622,728 |
622,728 |
| Shares, securities and financial assets with variable income |
653 |
37,539 |
38,192 |
755 |
17,064 |
17,819 |
| Banks and financial institutions |
58,773 |
3,817,081 |
3,875,854 |
51,460 |
3,310,528 |
3,361,988 |
| - Current accounts |
6,321 |
601,519 |
607,840 |
11,747 |
413,192 |
424,939 |
| - Time deposits |
52,452 |
3,215,562 |
3,268,014 |
39,713 |
2,897,336 |
2,937,049 |
| - 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* |
243,477 |
3,534,343 |
3,777,820 |
268,914 |
3,128,485 |
3,397,399 |
| - Commercial loans** |
101,182 |
2,928,652 |
3,029,834 |
146,941 |
2,395,261 |
2,542,202 |
| - Other loans to customers** |
108,961 |
430,420 |
539,381 |
88,220 |
446,166 |
534,386 |
| - Overdraft accounts |
3,969 |
24,091 |
28,060 |
3,181 |
89,694 |
92,875 |
| - Net debtor accounts against creditor and cash collateral accounts |
|
112 |
112 |
|
554 |
554 |
| - Advances to related parties (o.w.cash collateral of LL 61.18 billion as at March end 2006) |
45,703 |
90,900 |
136,603 |
40,155 |
100,117 |
140,272 |
| - Doubtful loans*** |
(16,338) |
60,168 |
43,830 |
(9,583) |
96,693 |
87,110 |
| Bank acceptances |
|
115,970 |
115,970 |
|
124,261 |
124,261 |
| Investments and related loans |
13,645 |
357,019 |
370,664 |
13,695 |
98,067 |
111,762 |
| Investments and related loans under equity method |
|
|
|
|
|
|
| -Non financial institutions |
|
|
|
|
|
|
| - Financial institutions |
|
|
|
|
|
|
| Tangible fixed assets (including revaluation variance approved by the Central Bank) |
293,265 |
88,571 |
381,836 |
294,950 |
83,107 |
378,057 |
| Intangible fixed assets |
7,069 |
5,999 |
13,068 |
6,947 |
2,411 |
9,358 |
| Other assets |
1,308 |
755 |
2,063 |
816 |
624 |
1,440 |
| Regularization accounts and other debtor accounts |
40,804 |
69,342 |
110,146 |
39,764 |
60,804 |
100,568 |
| Revaluation variance on other fixed assets |
|
|
|
|
|
|
| Goodwill |
33,838 |
66,796 |
100,634 |
22,024 |
68,150 |
90,174 |
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| TOTAL ASSETS*** |
4,761,820 |
13,605,504 |
18,367,324 |
3,965,872 |
11,870,272 |
15,836,144 |
| *Of which 33% against cash collateral as at March 2006 |
|
| Back to top |
| **Out of which sub-standard loans amounting to : |
|
|
41,894 |
|
|
68,069 |
*** After deduction of provision for doubtful
loansand unrealised interest: |
|
|
113,055 |
|
|
120,411 |
| **For sub-standard loans |
|
|
11,139 |
|
|
16,223 |
| ***For doubtful loans |
|
|
58,660 |
|
|
63,655 |
| Off-Balance Sheet Items |
|
| Financing commitments received |
|
|
|
|
|
|
| Signature commitments received |
23,456 |
61,420 |
84,876 |
26,894 |
93,096 |
119,990 |
| Financial instruments sold with a buy back option |
|
|
|
|
3,633 |
3,633 |
| Engagements on term financial instruments |
|
|
|
|
1,165 |
1,165 |
| - Option on forex swap |
|
|
|
|
1,165 |
1,165 |
| - Option on interest swap |
|
|
|
|
|
|
| Other engagements received |
304,753 |
1,921,016 |
2,225,769 |
457,607 |
1,983,172 |
2,440,779 |
| Fiduciary assets and Assets under management |
6,610 |
3,573,555 |
3,580,165 |
6,627 |
3,051,222 |
3,057,849 |
| Custody accounts |
458,356 |
2,531,566 |
2,989,922 |
406,075 |
1,693,570 |
2,099,645 |
| Forward operations: |
|
885,019 |
885,019 |
|
1,683,462 |
1,683,462 |
| -Foreign currencies to receive |
|
885,019 |
885,019 |
|
1,683,462 |
1,683,462 |
| Bad debts transferred to off balance sheet items |
25,396 |
240,918 |
266,314 |
18,748 |
204,550 |
223,298 |
| Back to top |
Consolidated Balance Sheet
as at March 31, 2006 (unaudited) |
| LIABILITIES(LL millions) |
31-Mar-2006 |
31-Mar-2005 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Central Bank |
27,690 |
860 |
28,550 |
435,596 |
|
435,596 |
| Banks and financial institutions |
120,076 |
269,948 |
390,024 |
135,139 |
790,602 |
925,741 |
| - Current accounts |
4,995 |
141,930 |
146,925 |
3,652 |
267,707 |
271,359 |
| - Time deposits |
115,081 |
128,018 |
243,099 |
131,487 |
522,895 |
654,382 |
| - Sale of financial instruments with an option to rebuy |
|
|
|
|
|
|
| Due to Head office, branches and affiliates |
|
|
|
|
|
|
| - Current accounts |
|
|
|
|
|
|
| - Time deposits |
|
|
|
|
|
|
| Deposits from customers |
3,877,048 |
11,276,340 |
15,153,388 |
2,653,630 |
10,175,049 |
12,828,679 |
| - Sight deposits |
255,539 |
1,359,424 |
1,614,963 |
241,189 |
1,281,409 |
1,522,598 |
| - Time deposits |
988,832 |
4,758,074 |
5,746,906 |
698,520 |
3,458,124 |
4,156,644 |
| - Savings accounts |
2,549,033 |
4,190,584 |
6,739,617 |
1,670,141 |
4,560,037 |
6,230,178 |
| - Net creditor and cash collateral accounts against debtor accounts |
57,558 |
824,754 |
882,312 |
41,940 |
809,760 |
851,700 |
| - Related parties accounts |
26,086 |
143,504 |
169,590 |
1,840 |
65,719 |
67,559 |
| Engagements by acceptances |
|
115,970 |
115,970 |
|
124,261 |
124,261 |
| Liabilities under financial instruments |
|
165,093 |
| |
