Statement of Financial Position

as at September 30, 2015 (Unaudited) 30-Sep-2015 31-Dec-2014
Assets
(LBP million)
Cash and balances with Central Banks 14,404,699 13,247,387
Deposits with banks and financial institutions 2,210,313 3,608,892
Loans to banks and financial institutions and reverse repurchase agreements 3,029,191 2,928,743
Due from head office, sister, related banks and financial institutions
Financial assets given as collateral
Derivative financial instruments 382,669 197,127
Shares and participations at fair value through profit and loss 54,098 58,170
Debt Instruments and other similar financial assets at fair value through profit and loss 468,634 458,652
  Of which: Net advances and loans at fair value through profit and loss - 12,043
Net loans and advances to customers at amortized cost* 25,429,902 25,775,338
Net loans and advances to related parties at amortized cost** 219,626 110,007
Debtors by acceptances 280,271 340,480
Debt instruments classified at Amortized Cost *** 15,483,859 14,573,743
Shares and participations at fair value through other comprehensive income 139,239 135,706
Investments in associates 13,753 27,762
Assets taken in settlement of debts 19,977 18,510
Property and equipment 936,488 948,541
Intangible fixed assets 98,855 92,652
Non current assets held for sale
Other assets 478,442 536,536
Goodwill 205,155 197,473
Total Assets 63,855,171 63,255,719
* After deduction of provisions amounting to LBP 689,661 million from loans and advances to customers as per IAS 39,
of which LBP 212,523 million representing provisions on collective assessment.
** Loans granted to related parties against cash collateral amounted to LBP 152,709 million.
*** Includes an amount of LBP 2,321 billion with risk ceded to customers.
as at September 30, 2015 (Unaudited) 30-Sep-2015 31-Dec-2014
Liabilities (LBP million)
Liabilities    
Due to Central Banks 506,353 438,385
Due to banks and financial institutions and repurchase agreement 2,311,029 1,785,794
Due to head office, sister, related banks and financial institutions    
Financial assets taken as a guarantee    
Derivative financial instruments 199,114 116,303
Financial liabilities at fair value through profit and loss    
   of which: deposits at fair value through profit and loss    
Customers' deposits at amortised cost 53,351,768 53,413,209
Deposits from related parties at amortised cost 661,181 586,621
Debt issued & other borrowed funds 77,042 89,528
Engagements by acceptances 280,271 340,480
Other liabilities 543,958 519,980
Provisions for risks & charges 162,461 153,961
Subordinated loans & similar debts 976,801 764,927
Non current liabilities held for sale    
Total Liabilities 59,069,978 58,209,188
Shareholders' Equity - Group Share  
Share capital - Common shares 661,985 659,586
Share capital - Preferred shares 6,210 8,250
Issue premium - Common shares 883,582 883,582
Issue premium - Preferred shares 559,102 745,500
Subsidiary shares warrants 17,195 17,195
Share Capital and Cash contribution to capital 72,586 72,586
Non distributable reserves 1,179,101 1,050,579
Distributable reserves 618,805 616,976
Treasury shares (8,161) (4,929)
Retained earnings 695,292 599,388
Proposed dividends - -
Revaluation reserve of real estate 353,122 353,974
Reserve on revaluation of financial assets at fair value through other comprehensive income 28,542 27,527
Remeasurement actuarial (Gain)/Loss on defined benefit plan (13,155) (13,155)
Share of associates other comprehensive income under equity method 4,546 4,546
Foreign currency translation reserve (695,573) (552,183)
Net (loss) gain on hedge of net investments in foreign entities (83,072) 348
Result of the current Period 440,411 513,500
Shareholders' Equity - Group Share 4,720,518 4,983,270
Non controlling interest 64,675 63,261
Total Shareholders' Equity 4,785,193 5,046,531
Total Liabilities & Shareholders' Equity 63,855,171 63,255,719
as at September 30, 2015 (Unaudited) 30-Sep-2015 31-Dec-2014
Off-Balance Sheet
(LBP million)
Financing commitments    
Financing commitments given to banks and financial institutions 658,850 706,121
Financing commitments given to customers 4,978,475 4,615,772
Bank guarantees    
Guarantees given to banks and financial institutions 227,794 385,315
  Of which: credit derivatives
Guarantees received from banks and financial institutions 3,235,014 3,162,128
  Of which: credit derivatives
Guarantees given to customers 2,394,459 2,302,773
Guarantees received from customers 29,049,610 25,405,355
Financial notes commitments    
Financial notes commitments to be received
  of which: financial instruments sold with a buy back option
Financial notes commitments to be delivered    
  of which: financial instruments purchased with a buy back option
Foreign Currencies Forwards    
Foreign currencies to receive 7,706,460 5,049,267
Foreign currencies to deliver 7,734,418 5,053,068
Commitments on term financial instruments 10,472,391 10,411,834
Other commitments
Claims from legal cases
Fiduciary accounts 1,859,201 1,727,524
under specific instructions 1,554,752 1,427,779
under discretionary investments 304,449 299,745
Assets under management 12,158,345 12,933,370
Mutual funds 427,254 561,719
Structured financial products
Engagements unlikely to be executed
Bad debts written off during the period 20,691 13,676

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