2014
Total
2014
Weight
2013
Total
2013
Weight
2013
Growth
Profitability
/ Balance Sheet
Balance Sheet
K
M
Unit
By Currency
By Branches
By Economic Sector
By Type
From
To
5 years
4 years
3 years
2 years
1 year
Monthly
Quarterly
Semi Annualy
Annualy
USD
LBP
Assets
Columns...
+
-
Current account
:
+
-
Cash
:
Petty Cash
:
Cash in Vault
:
Cash in Safe
:
Cash in ATM
:
Cash in Transit
:
:
Cash and Balances with Central Banks
:
Accounts with Central Banks
:
Reserve Requirement
:
Balances with other Banks and Financial Institutions
:
International Deposits with H.O. , Sister Companies , Related Banks & Branches
:
Net Domestic Branches
:
Financial Assets at FVTPL
:
Other Bonds
:
Financial Instruments
:
Certificates of Deposits
:
:
+
-
Advances and Loans
:
+
-
Performing Loans to Customers
:
+
-
Regular Retail Customers
:
Cash Collateral
:
Mortgage Loans
:
+
-
Consumer Loans
:
Home Equity Personal Loan
:
Home Equity Line of CreditÂ
:
Short-Term Personal Loan
:
Fast Cash-Advance (or Payday) Loan
:
Military Payday Loan
:
No Credit/Bad Credit Personal Loan
:
Second-Chance Personal Loan
:
Credit Cards
:
Other
:
+
-
Regular Corporate Customers
:
Overdraft
:
Direct Discounted Bills
:
CDBs
:
Revolving Loan
:
Term loan
:
Bridge Finance
:
+
-
Documentary Credit
:
L/Cs
:
L/Gs
:
Other
:
+
-
Syndication Loans
:
Domestic
:
International
:
+
-
Government Loans
:
Domestic
:
International
:
+
-
Real Estate Loans
:
Residential
:
Industrial
:
Warehouse
:
Land
:
Office
:
+
-
Agri-Business Loans
:
Fertilizers
:
Live stock
:
Agri - Machinary
:
Harvest
:
:
SMEs
:
Start-up Loans
:
Subsidized Loans
:
Incentive Loans
:
+
-
Loans to Fin. Inst.
:
Margin Loans
:
Overdraft
:
Term loan
:
Doubtful loans to Banks and FIs
:
+
-
Non Performing Loans to Customers (Net of Prov & Un Int)
:
+
-
Classified Retail Customers
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Classified Corporate Customers
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Syndication Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Government Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Real Estate Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Agri-Business Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
SMEs
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Start-up Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Subsidized Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Incentive Loans
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Loans to Fin. Inst.
:
Watchlist for Regularisation
:
Substandard
:
Doubtful
:
Bad
:
+
-
Allowance for Loan Losses
:
+
-
Net Advanced loans
:
+
-
Investments
:
+
-
Customers' Acceptance Liability
:
+
-
Assets Acquired in Satisfaction of Loans
:
+
-
Fixed Assets
:
+
-
Intangible Assets
:
+
-
Other Assets
:
+
-
Long Term Deposits with banks and financial institutions
:
Total
Total 2014
Weight 2014
Total 2013
Weight 2013
Growth
2014
2013
Total
Weight
Total
Weight
Growth
3,251,056,513
38.1%
2,945,715,325
34.35%
10%
16,363,594
32.3%
12,763,603
23.2%
15%
665,096,630
23.6%
538,728,270
13.2%
10%
3,078.00
18.81%
3,015.00
0%
-
3,908.00
23.88%
4,000.00
0%
-
2,271.00
13.88%
1,897.00
0%
-/td>
3,048,162.12
19%
3,896,562.12
24%
-
665,096,630
23.6%
538,728,270
13.2%
10%
627,024,639
15.6%
445,187,493
14.5%
17%
109,004,428
27.8%
110,839,657
2.3%
(2%)
21,007,528
35.8%
20,587,378
19.8%
7%
67,218,456
62.5%
58,480,057
38.9%
13%
1,308,545,358
53.2%
1,304,861,428
16.7%
0.1%
193,091,917
12.5%
198,884,674
23.1%
(3%)
6,342,873
63.2%
6,216,016
32.5%
0.3%
34,567,667
14.5%
29,03640
59.3%
8%
15,248,710
25.6%
15,706,171
45.3%
(0.3%)
1,905,605,333
22.3%
1,727,981,560
20.15%
10%
1,283,686,121
984,641,725
354,520,000
388,541,000.00
156,134,667
132,714,466.67
122,130,667
93,811,066.67
76,254,667
64,816,466.67
16,523,420
-9874563
9,693,214
8,745,321.00
10,852,741
11,852,963.00
10,252,896
8,521,412.00
12,654,987
7,534,210.00
9,654,123
10,321,654.00
6,623,286
7,966,343.67
55,060,000
46,801,000.00
-
-
611,955,761
578,528,477.33
263,789,333
224,220,933.33
36,752,000
31,239,200.00
16,604,000
17,600,240.00
105,333,333
101,653,333.33
64,000,000
79,840,000.00
17,138,428
-
-
-
-
-
-
-
-
114,838,986.67
5,000,000
6,000,000.00
6,264,976
3,135,786.00
11,264,976
9,135,786.00
17,930,846
15,973,086.00
10,000,000
9,000,000.00
7,930,846
6,973,086.00
5,317,892
4,633,098.00
852,963
856,951.00
1,236,523
1,236,547.00
999,632
753,421.00
1,002,589
996,532.00
1,226,185
789,647.00
5,333,390
4,633,098.00
1,202,632
987,987.00
2,000,586
1,369,258.00
951,623
1,111,222.00
1,178,549
1,164,631.00
3,999,264
4,000,000.00
13,099,746
10,643,296.00
26,666,667
21,466,666.67
20,000,000
40,000,000.00
28,657,579
30,020,550.00
19,904,000
21,496,320.00
2,730,912
2,019,750.00
1,484,000
1,602,720.00
4,538,667
4,901,760.00
410,782,911
390,649,478
85,002,667
80,752,533.33
34,609,333
32,878,866.67
19,904,000
18,908,800.00
15,649,333
14,866,866.67
14,840,000
14,098,000.00
85,451,600
102,635,142.67
46,932,512
80,521,014.34
8,538,667
8,111,733.33
13,698,547
12,369,854.00
16,281,874
1,632,541.00
29,155,812
1,975,308.00
2,469,120
1,975,308.00
4,620,912
3,930,860.00
20,065,308
17,777,778.00
2,000,472
2,469,120.00
11,818,800
10,872,326.00
2,912,640
2,000,000.00
-
-
6,433,080
5,927,160.00
2,473,080
2,945,166.00
21,926,340
21,064,438.00
7,385,160
5,202,708.00
6,433,080
5,930,966.00
2,945,160
3,930,764.00
5,162,940
6,000,000.00
3,504,234
3,519,748.00
3,185,260
3,319,748.00
318,974
200,000.00
-
-
-
-
16,552,532
14,981,938.00
7,153,782
6,433,080.00
7,144,820
6,433,080.00
350,684
320,470.00
1,903,246
1,795,308.00
12,608,140
11,516,654.00
2,000,000
2,004,720.00
6,433,080
6,005,318.00
2,469,134
1,927,704.00
1,705,926
1,578,912.00
70,364,321
65,321,321.00
-23145652
-19845632
-15239651
-20630982
-31979018
-24844707
-
-
63,521,412
43,852,963.00
-12058058
-15263263
-
-
-30625621
-22743961
-20837733
-5845739
10,877,054
9,979,348.00
1,999,308
1,999,308.00
2,444,666
2,004,732.00
6,433,080
5,975,308.00
-
-
11,008,400
10%
11,098,649
1.3%
-1%
1,894,596,933
22.2%
1,716,882,911
20.02%
10%
3,233,829,254
37.9%
2,986,323,660
34.82%
8%
33,833,150
4%
805,727,160
9.39%
-96%
12,605,000
10%
15,756,250
18%
-20%
141,236,344
1.7%
913,028,863
10.65%
-85%
897,011
0.1%
789,370
0.0001
14%
12,769,160
14,670,363
1.7%
-13%
164,740,834
149,999,400.32
1.7%
-13%
8,533,488,204
8,576,621,123
-1%
Alert (3)
Alert ID
BU Name
BU Code
Description
4531
Hamra
4122
FTP plastic manufacturer loan lower then the overall FTP of the Bank
4552
Elissar
4124
Low growth in retail Loans
4553
Jbeil
4137
Increase Retail Loan Cost of Funds
Loan / Actual / 2015
Alert ID
BU Name
BU Code
Loan type
Interest Income
Exposure
FTP
Cost of Fund
4531
Hamra
4122
Industrial loan
665,222.25
9,503,175.01
3.30
7 %
Loan / Actual / 2015
Alert ID
BU Name
BU Code
Loan type
Interest Income
Exposure
FTP
Cost of Fund
4553
Beirut
1223
Retail Loan
123,250.00
1,232,500.00
3.30
8.89 %
Retail Loans / Beirut / Actual / 2015
Retail
Loans
Personal Loans USD
Personal Loan LBP
1st Hand Car Loan
2nd Hand Car Loan
Bank Housing Loan USD
Bank Housing Loan LBP
ISKAN Housing Loan
Consumer Loan USD
Consumer Loan LBP
Total Region
Total Lebanon
Revenue to date
Forecast/
Progression
Weight w.r.t.
Branch
Weight w.r.t.
Region
Weight w.r.t.
Lebanon
Amount Exposure
In $
Gap With
2012
Gap With
2013
Gap With
2014
Interest
Income
Commission
Income
Fees
Income
Interest
Expense
Commission
Expense
Fees
Expense
Net Impairment
on Loans and Advances
Net impairment losses
on financial investments
Other Related
Income
Other Related
Expense
$101,272,667.00
$119,938,001.00
21.48
19.61
19.61
$5,998,800,000.00
$1,254,445.00
$2,079,333.00
$3,248,000.00
$419,916,000.00
$21,416,666.00
$38,438,000.00
$(293,768,000.00)
$(11,331,666.00)
$(12,425,000.00)
$(2,370,000.00)
$(18,083,333.00)
$2,079,333.00
$(42,599,333.00)
$92,460,059.00
$120,151,929.00
19.61
21.48
6.74
$6,222,628,571.43
$1,365,214.00
$5,252,124.00
$6,821,254.00
$435,584,000.00
$22,325,125.00
$39,857,000.00
$(300,542,000.00)
$(15,362,124.00)
$(16,242,152.00)
$(4,635,251.00)
$(22,524,251.00)
$5,252,124.00
$(51,252,412.00)
$1,577,363.00
$211,079,724.00
0.33
10.10
12.59
$4,645,928,571.43
$1,475,983.00
$8,424,915.00
$10,394,508.00
$325,215,000.00
$19,254,325.00
$25,368,475.00
$(320,000,521.00)
$(12,854,365.00)
$(20,059,304.00)
$(6,900,502.00)
$(6,965,169.00)
$8,424,915.00
$(9,905,491.00)
$59,349,335.00
$11,208,376.00
12.59
9.35
10.14
$6,231,649,971.43
$1,586,752.00
$11,597,706.00
$13,967,762.00
$436,215,498.00
$21,542,514.00
$28,652,154.00
$(350,325,124.00)
$(15,326,547.00)
$(23,876,456.00)
$(9,165,753.00)
$(31,406,087.00)
$11,597,706.00
$(8,558,570.00)
$44,099,336.00
$55,315,057.00
9.35
7.27
2.37
$8,136,963,685.71
$1,697,521.00
$14,770,497.00
$17,541,016.00
$569,587,458.00
$25,948,512.00
$29,352,124.00
$(421,521,242.00)
$(21,854,747.00)
$(27,693,608.00)
$(11,431,004.00)
$(35,847,005.00)
$14,770,497.00
$(77,211,649.00)
$47,799,157.00
$55,971,558.00
10.14
12.59
21.48
$9,407,841,057.14
$1,808,290.00
$17,943,288.00
$21,114,270.00
$658,548,874.00
$29,548,422.00
$34,251,547.00
$(568,548,754.00)
$(32,584,554.00)
$(31,510,760.00)
$(13,696,255.00)
$(40,287,923.00)
$17,943,288.00
$(5,864,728.00)
$47,601,495.00
$22,042,133.00
10.10
6.74
7.27
$13,606,617,342.86
$1,919,059.00
$21,116,079.00
$24,687,524.00
$952,463,214.00
$35,654,845.00
$40,325,421.00
$(858,564,587.00)
$(42,857,411.00)
$(35,327,912.00)
$(15,961,506.00)
$(44,728,841.00)
$21,116,079.00
$(4,517,807.00)
$31,789,967.00
$42,432,408.00
6.74
10.14
0.33
$7,744,648,871.43
$2,140,597.00
$27,461,661.00
$31,834,032.00
$542,125,421.00
$22,548,547.00
$28,654,987.00
$(485,254,125.00)
$(24,857,658.00)
$(42,962,216.00)
$(20,492,008.00)
$(3,610,677.00)
$27,461,661.00
$(11,823,965.00)
$11,167,212.00
$71,124,274.00
2.37
0.33
10.10
$5,035,226,485.71
$2,251,366.00
$30,634,452.00
$35,407,286.00
$352,465,854.00
$19,254,895.00
$21,524,685.00
$(256,325,541.00)
$(12,852,369.00)
$(46,779,368.00)
$(18,226,757.00)
$(58,051,595.00)
$30,634,452.00
$(20,477,044.00)
$652,124,521.00
$758,124,125.00
$138,257,654,457.14
$33,803,665.00
$161,489,592.00
$190,028,430.00
$9,678,035,812.00
$444,821,344.00
$577,116,034.00
$(7,916,582,216.00)
$(406,948,920.00)
$(579,618,680.00)
$(352,125,142.00)
$(425,212,412.00)
$235,642,125.00
$(425,325,124.00)
$958,125,478.00
$898,457,154.00
$270,292,680,342.86
$66,242,116.00
$319,806,393.00
$376,483,606.00
$18,920,487,624.00
$867,317,563.00
$858,474,658.00
$(15,532,622,432.00)
$(798,535,716.00)
$(765,254,124.00)
$(452,124,362.00)
$(625,124,572.00)
$452,125,635.00
$(765,325,124.00)
Retail
Loans
Personal Loans USD
Personal Loan LBP
1st Hand Car Loan
2nd Hand Car Loan
Bank Housing Loan USD
Bank Housing Loan LBP
ISKAN Housing Loan
Consumer Loan USD
Consumer Loan LBP
Total Region
Total Lebanon
Revenue to date
Forecast/
Progression
Weight w.r.t.
Branch
Weight w.r.t.
Region
Weight w.r.t.
Lebanon
Amount Exposure
In $
Gap With
2012
Gap With
2013
Gap With
2014
Interest
Income
Commission
Income
Fees
Income
Interest
Expense
Commission
Expense
Fees
Expense
Net Impairment
on Loans and Advances
Net impairment losses
on financial investments
Other Related
Income
Other Related
Expense
$101,272,667.00
$119,938,001.00
21.48
19.61
19.61
$5,998,800,000.00
$1,254,445.00
$2,079,333.00
$3,248,000.00
$419,916,000.00
$21,416,666.00
$38,438,000.00
$(293,768,000.00)
$(11,331,666.00)
$(12,425,000.00)
$(2,370,000.00)
$(18,083,333.00)
$2,079,333.00
$(42,599,333.00)
$92,460,059.00
$120,151,929.00
19.61
21.48
6.74
$6,222,628,571.43
$1,365,214.00
$5,252,124.00
$6,821,254.00
$435,584,000.00
$22,325,125.00
$39,857,000.00
$(300,542,000.00)
$(15,362,124.00)
$(16,242,152.00)
$(4,635,251.00)
$(22,524,251.00)
$5,252,124.00
$(51,252,412.00)
$1,577,363.00
$211,079,724.00
0.33
10.10
12.59
$4,645,928,571.43
$1,475,983.00
$8,424,915.00
$10,394,508.00
$325,215,000.00
$19,254,325.00
$25,368,475.00
$(320,000,521.00)
$(12,854,365.00)
$(20,059,304.00)
$(6,900,502.00)
$(6,965,169.00)
$8,424,915.00
$(9,905,491.00)
$59,349,335.00
$11,208,376.00
12.59
9.35
10.14
$6,231,649,971.43
$1,586,752.00
$11,597,706.00
$13,967,762.00
$436,215,498.00
$21,542,514.00
$28,652,154.00
$(350,325,124.00)
$(15,326,547.00)
$(23,876,456.00)
$(9,165,753.00)
$(31,406,087.00)
$11,597,706.00
$(8,558,570.00)
$44,099,336.00
$55,315,057.00
9.35
7.27
2.37
$8,136,963,685.71
$1,697,521.00
$14,770,497.00
$17,541,016.00
$569,587,458.00
$25,948,512.00
$29,352,124.00
$(421,521,242.00)
$(21,854,747.00)
$(27,693,608.00)
$(11,431,004.00)
$(35,847,005.00)
$14,770,497.00
$(77,211,649.00)
$47,799,157.00
$55,971,558.00
10.14
12.59
21.48
$9,407,841,057.14
$1,808,290.00
$17,943,288.00
$21,114,270.00
$658,548,874.00
$29,548,422.00
$34,251,547.00
$(568,548,754.00)
$(32,584,554.00)
$(31,510,760.00)
$(13,696,255.00)
$(40,287,923.00)
$17,943,288.00
$(5,864,728.00)
$47,601,495.00
$22,042,133.00
10.10
6.74
7.27
$13,606,617,342.86
$1,919,059.00
$21,116,079.00
$24,687,524.00
$952,463,214.00
$35,654,845.00
$40,325,421.00
$(858,564,587.00)
$(42,857,411.00)
$(35,327,912.00)
$(15,961,506.00)
$(44,728,841.00)
$21,116,079.00
$(4,517,807.00)
$31,789,967.00
$42,432,408.00
6.74
10.14
0.33
$7,744,648,871.43
$2,140,597.00
$27,461,661.00
$31,834,032.00
$542,125,421.00
$22,548,547.00
$28,654,987.00
$(485,254,125.00)
$(24,857,658.00)
$(42,962,216.00)
$(20,492,008.00)
$(3,610,677.00)
$27,461,661.00
$(11,823,965.00)
$11,167,212.00
$71,124,274.00
2.37
0.33
10.10
$5,035,226,485.71
$2,251,366.00
$30,634,452.00
$35,407,286.00
$352,465,854.00
$19,254,895.00
$21,524,685.00
$(256,325,541.00)
$(12,852,369.00)
$(46,779,368.00)
$(18,226,757.00)
$(58,051,595.00)
$30,634,452.00
$(20,477,044.00)
$652,124,521.00
$758,124,125.00
$138,257,654,457.14
$33,803,665.00
$161,489,592.00
$190,028,430.00
$9,678,035,812.00
$444,821,344.00
$577,116,034.00
$(7,916,582,216.00)
$(406,948,920.00)
$(579,618,680.00)
$(352,125,142.00)
$(425,212,412.00)
$235,642,125.00
$(425,325,124.00)
$958,125,478.00
$898,457,154.00
$270,292,680,342.86
$66,242,116.00
$319,806,393.00
$376,483,606.00
$18,920,487,624.00
$867,317,563.00
$858,474,658.00
$(15,532,622,432.00)
$(798,535,716.00)
$(765,254,124.00)
$(452,124,362.00)
$(625,124,572.00)
$452,125,635.00
$(765,325,124.00)
Liabilities
Columns...
+
-
Current Account
:
+
-
Long Term Deposits
:
+
-
Long Term Borrowings
:
+
-
Customers' Acceptance Liability
:
+
-
Provisions
:
+
-
Other Liabilities
:
+
-
Total Liabilities
:
+
-
Net Worth
:
Total
:
Total 2014
Weight 2014
Total 2013
Weight 2013
Growth
2014
2013
Total
Weight
Total
Weight
Growth
3,890,225,549
45.59%
3,881,230,841
45.25%
0.23%
701,429,842
8.22%
685,560,773
7.99%
2.31%
22,095,937
2.6%
22,758,815
2.7%
-2.91%
18,969,562
2.2%
19,090,085
2.2%
-0.63%
5,510,529
0.6%
5,631,035
0.7%
-2.14%
38,923,587
4.6%
39,079,469
4.6%
-0.40%
4,667,155,006
54.69%
4,653,351,018
54.26%
0.30%
3,856,333,198
45.19%
3,923,270,105
45.74%
-1.71%
8,533,488,204
8,576,621,123
-0.50%
Alert (1)
Alert ID
BU Name
BU Code
Description
4251
Main branch
4300
Excessive leverage
Leverage Position / Actual / 2015
Alert ID
BU Name
BU Code
Ratio
Total Liabilities
Long term Borrowings
Total equity
4251
Main branch
4300
1 - 1.5
$12,290,105.00
$301,263.00
$19,210,507.00
Equity
Columns...
Issued capital - Ordinary shares
:
Issued capital - Preference shares
:
Share Premium - Preference Shares
:
Shareholders' cash Contribution to Capital
:
Reserves
:
Cumulative change in fair value of Financial assets
:
Brought forward Retain Earnings
:
Net Profit of the year
:
Equity attributable to the owners of the bank
:
Non Controlling Interest
:
Total Equity
:
Column 1
Column 2
Column 3
Column 4
Column 5
2014
2013
Total
Weight
Total
Weight
Growth
420,000,000.00
36.16%
420,000,000.00
40.38%
111.68%
34,500,000.00
2.97%
26,000,000.00
2.50%
84.16%
485,587,500.00
41.81%
365,950,000.00
35.19%
84.16%
17,113,885.00
1.47%
17,113,885.00
1.65%
111.68%
326,599,151.00
28.12%
273,821,842.00
26.33%
93.63%
159,088,218.00
13.70%
100,182,279.00
9.63%
70.33%
693,909,410.00
59.74%
625,477,829.00
60.14%
100.67%
238,681,259.00
20.55%
226,536,524.00
21.78%
106.00%
724,368,628.00
62.37%
600,540,645.00
57.74%
92.59%
437,120,305.00
37.63%
439,475,850.00
42.26%
112.28%
1,161,488,933.00
1,040,016,495.00
Alert
Alert ID
BU Name
BU Code
Description
4251
Main branch
4300
Excessive leverage
Leverage Position / Actual / 2015
Alert ID
BU Name
BU Code
Ratio
Total Liabilities
Long term Borrowings
Total equity
4251
Main branch
4300
1 - 1.5
$12,290,105.00
$301,263.00
$19,210,507.00