Consolidated Balance Sheet
as at September 30, 2007 (unaudited) |
| ASSETS(LL millions) |
30-September-2007 |
30-September-2006 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Cash and Central Banks |
2,672,465 |
3,900,367 |
6,572,832 |
2,450,620 |
2,881,745 |
5,332,365 |
| - Cash |
41,706 |
87,207 |
128,913 |
32,535 |
70,226 |
102,761 |
| - Credit risk ceded |
|
211,132 |
211,132 |
|
210,904 |
210,904 |
| - Net Exposure |
2,630,759 |
3,602,028 |
6,232,787 |
2,418,085 |
2,600,615 |
5,018,700 |
| Lebanese Treasury bills and other government bills & bonds |
837,629 |
3,442,696 |
4,280,325 |
983,107 |
3,153,451 |
4,136,558 |
| - Credit risk ceded |
|
429,583 |
429,583 |
|
351,333 |
351,333 |
| - Net Exposure |
837,629 |
3,013,113 |
3,850,742 |
983,107 |
2,802,118 |
3,785,225 |
| Bonds and financial instruments with fixed income |
|
965,170 |
965,170 |
|
709,668 |
709,668 |
| Shares, securities and financial assets with variable income |
8,258 |
246,991 |
255,249 |
9,326 |
213,389 |
222,715 |
| Banks and financial institutions |
46,241 |
4,001,015 |
4,047,256 |
137,422 |
3,842,546 |
3,979,968 |
| - Current accounts |
8,635 |
483,942 |
492,577 |
2,566 |
429,475 |
432,041 |
| - Time deposits |
37,606 |
3,517,073 |
3,554,679 |
134,856 |
3,413,071 |
3,547,927 |
| - 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 |
299,612 |
6,222,071 |
6,521,683 |
235,991 |
4,410,137 |
4,646,128 |
| - Commercial loans* |
120,764 |
5,548,195 |
5,668,959 |
101,164 |
3,695,799 |
3,796,963 |
| - Other loans to customers* |
134,904 |
297,988 |
432,892 |
108,957 |
431,732 |
540,689 |
| - Overdraft accounts |
3,468 |
113,351 |
116,819 |
3,707 |
18,879 |
22,586 |
| - Net debtor accounts against creditor and cash collateral accounts |
|
924 |
924 |
|
283 |
283 |
| - Advances to related parties (o.w.cash collateral of LL 136.51 billion as at September end 2007) |
52,575 |
201,111 |
253,686 |
47,307 |
161,423 |
208,730 |
| - Doubtful loans** |
(12,099) |
60,502 |
48,403 |
(25,144) |
102,021 |
76877 |
| Bank acceptances |
|
257,902 |
257,902 |
|
136,240 |
136,240 |
| Investments and related loans |
|
1,508 |
1,508 |
|
102,868 |
102,868 |
| Investments and related loans under equity method |
4,412 |
16,146 |
20,558 |
4,144 |
3,782 |
7,926 |
| -Non financial institutions |
4,412 |
16,146 |
20,558 |
4,144 |
3,782 |
7,926 |
| - Financial institutions |
|
|
|
|
|
|
| Tangible fixed assets (including revaluation variance approved by the Central Bank) |
281,237 |
207,053 |
488,290 |
286,430 |
120,071 |
406,501 |
| Intangible fixed assets |
6,061 |
6,523 |
12,584 |
6,166 |
81,301 |
87,467 |
| Other assets |
1,653 |
199 |
1,852 |
1,354 |
2,698 |
4,052 |
| Regularization accounts and other debtor accounts |
35,696 |
155,933 |
191,629 |
41,176 |
108,664 |
149,840 |
| Revaluation variance on other fixed assets |
|
|
|
|
|
|
| Goodwill |
33,831 |
182,001 |
215,832 |
33,838
|
119,814
|
153,652
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| TOTAL ASSETS** |
4,227,095
|
19,605,575
|
23,832,670
|
4,189,574
|
15,886,374
|
2,0075,948
|
| Back to top |
| ***Out of which sub-standard loans amounting to : |
|
|
31,164
|
|
|
26,776
|
| ***After deduction of provision for doubtful loansand unrealised interest: |
|
|
169,486
|
|
|
163,668
|
| *For sub-standard loans |
|
|
6,884
|
|
|
5,153
|
| **For doubtful loans |
|
|
78,755
|
|
|
67,287
|
| Off-Balance Sheet Items |
30-September-2007 |
30-September-2006 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Financing commitments received |
|
|
|
|
|
|
| Signature commitments received |
23,046
|
176,044
|
199,090
|
21,860
|
50,941
|
72,801
|
| Financial instruments sold with a buy back option |
|
|
|
|
|
|
| Engagements on term financial instruments |
|
16,281 |
16,281 |
|
|
|
| - Option on forex swap |
|
16,281 |
16,281 |
|
|
|
| - Option on interest swap |
|
|
|
|
|
|
| Other engagements received |
228,231
|
3,075,009
|
3,303,240
|
304,045
|
1,926,971
|
2,231,016
|
| Fiduciary assets and Assets under management |
6,784
|
5,160,397
|
5,167,181
|
7,101
|
4,118,060
|
4,125,161
|
| Custody accounts |
937,079
|
2,457,015
|
3,394,094
|
611,150
|
2,596,022
|
3,207,172
|
| Forward operations: |
|
1,461,073 |
1,461,073 |
|
940,661 |
940,661 |
| -Foreign currencies to receive |
|
1,461,073 |
1,461,073 |
|
940,661 |
940,661 |
| Bad debts transferred to off balance sheet items |
26,570 |
250,223 |
276,793 |
25,983 |
240,545 |
266,528 |
| Back to top |
Consolidated Balance Sheet
as at September 30, 2007 (unaudited) |
| LIABILITIES(LL millions) |
30-September-2007 |
30-September-2006 |
| |
LL |
C/V LL |
TOTAL |
LL |
C/V LL |
TOTAL |
| Central Bank |
|
|
|
27,702
|
4,622 |
32,324
|
| Banks and financial institutions |
11,799
|
385,893
|
397,692
|
16,589
|
259,128
|
275,717
|
| - Current accounts |
4,775
|
173,853
|
178,628
|
7,399
|
162,071
|
169,470
|
| - Time deposits |
7,024
|
212,040
|
219,064
|
9,190
|
97,057
|
106,247
|
| - Sale of financial instruments with an option to rebuy |
|
|
|
|
|
|
| Due to Head office, branches and affiliates |
|
|
|
|
|
|
| - Current accounts |
|
|
|
|
|
|
| - Time deposits |
|
|
|
|
|
|
| Deposits from customers |
3,243,119
|
16,701,531
|
19,944,650
|
3,220,035
|
13,463,059
|
16,683,094
|
| - Sight deposits |
288,062
|
2,136,361
|
2,424,423
|
256,321
|
2,472,255
|
2,728,576
|
| - Time deposits |
693,518
|
8,563,647
|
9,257,165
|
648,284
|
5,677,190
|
6,325,474
|
| - Savings accounts |
222,0045
|
5,124,090
|
7,344,135
|
2,272,396
|
4,423,169
|
6,695,565
|
| - Net creditor and cash collateral accounts against debtor accounts |
34,137
|
708,337
|
742,474
|
37,107
|
706,728
|
743,835
|
| - Related parties accounts |
7,357
|
169,096
|
176,453
|
5,927
|
183,717
|
189,644
|
| Engagements by acceptances |
|
257,902
|
257,902
|
|
136,240
|
136,240
|
| 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 |
175,191
|
151,808
|
326,999
|
119,580
|
98,109
|
217,689
|
| Regularization accounts and other creditor accounts |
25,859
|
80,475
|
106,334
|
16,406
|
67,955
|
84,361
|
| Provisions for risks and charges |
36,230
|
15,838
|
52,068
|
30,454
|
16,596
|
47,050
|
| Subordinated notes |
|
|
|
|
|
|
| Shareholders' equity |
774,377
|
1,603,891
|
2,378,268
|
695,048
|
1,555,452
|
2,250,500
|
| -Revaluation variance accepted in the supplementary capital |
18,600
|
|
18,600 |
18,600 |
|
18,600 |
| -Share capital & cash contribution to capital |
420,693
|
179,688
|
600,381
|
404,944
|
111,568
|
516,512
|
| - Group share |
418,179
|
72,586
|
490,765
|
404,162
|
72,586
|
476,748
|
| Ordinary shares 32.766.240 |
|
|
|
|
|
|
| Preferred shares 7.650.000 |
|
|
|
|
|
|
| - Minority share |
2,514
|
107,102
|
109,616
|
782 |
38,982
|
39,764
|
| -Reserves for general banking risks |
32,299
|
69,077
|
101,376
|
26,896
|
52,779
|
79,675
|
| - Group share |
32,299
|
69,077
|
101,376
|
26,885 |
52,744
|
79,629
|
| - Minority share |
|
|
|
11 |
35
|
46
|
| -Reserves and premiums and equity differences |
270,255
|
1,244,063
|
1,514,318
|
215,866
|
1,324,781
|
1,540,647
|
| - Group share |
267,930
|
1,245,444
|
1,513,374
|
214,032
|
1,324,010
|
1,538,042
|
| - Minority share |
2,325
|
(1,381)
|
944
|
1,834
|
771
|
2,605
|
| -Employees' stock option plan as per I | |
