Byblos Bank Africa: Consolidated Financial Statements - 30 September 2017

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1. Consolidated FinanCial statements as at 30 september 2017 CaPital lBP 689 ,113,198,640 FUllY Paid, total eQUitY lBP 3,167,650,000,000 | C.R.B.14150, list oF BanKs no. 39, Head oFFiCe - BeiRUt Consolidated statement oF FinanCial Position As at 30 September 2017 (LBP millions) Unaudited Audited 30-Sep-17 31-Dec-16 11,885,252 8,783,092 3,754,555 2,657,429 Loans to banks and financial institutions and reverse repurchase agreements 925,265 964,066 Financial assets given as collateral 328,861 224,044 ASSETS Cash and balances with central banks Due from banks and financial institutions Derivative financial instruments Shares and participations held at fair value through profit or loss Debt intruments and other financial assets held at fair value through profit or loss Net loans and advances to customers at amortized cost* Net loans and advances to related parties at amortized cost Debtors by acceptances Shares and participations held at fair value through other comprehensive income Debt instruments held at amortized cost Property and equipment Intangible assets Assets taken in settlement of debt Other assets TOTAL ASSETS* 4,402 4,420 29,440 40,065 347,231 749,107 7,979,398 7,787,274 21,108 20,714 321,507 223,883 109,751 101,305 7,603,040 9,416,979 265,923 247,095 296 380 44,167 43,299 141,321 110,438 33,761,517 31,373,590 (*) After Deducting: Reserved Interest on sub-standard, doubtful, and bad loans Specific Provisions for doubtful and bad loans Provisions Based on Collective Assessment Phone (01) 335200 | 70,329 53,964 167,243 158,278 94,055 78,643 Fax (01) 339436 | www.byblosbank.com.lb
2. Consolidated FinanCial statements as at 30 september 2017 CaPital lBP 689 ,113,198,640 FUllY Paid, total eQUitY lBP 3,167,650,000,000 | C.R.B.14150, list oF BanKs no. 39, Head oFFiCe - BeiRUt Consolidated statement oF FinanCial Position As at 30 September 2017 (LBP millions) Unaudited Audited 30-Sep-17 31-Dec-16 LIABILITIES AND EQUIT Y LIABILITIES Due to central banks Due to banks and financial institutions Derivative financial instruments Customers’ deposits at amortized cost 990,744 332,971 1,037,259 774,095 4,069 2,106 26,757,294 25,415,634 Deposits from related parties at amortized cost 381,278 366,028 Engagements by acceptances 321,507 223,883 Debt issued and other borrowed funds 461,293 444,072 Other liabilities 326,277 374,911 Provisions for risks and charges 314,146 300,292 Subordinated notes 422,152 420,165 31,016,019 28,654,157 TOTAL LIABILITIES EQUITY AT TRIBUTABLE TO EQUITY HOLDERS OF T HE PARENT Share capital – Common shares 684,273 684,273 Share capital – Preferred shares 4,840 4,840 Issue premium – Common shares 229,014 229,014 Issue premium – Preferred shares 591,083 591,083 Reserves not available for distribution (legal and statutory) 924,746 843,320 Reserves available for distribution 110,616 103,246 Treasury shares (5,973) (5,161) Retained earnings 50,184 67,517 Revaluation reserve of real estate Reserve on revaluation of financial assets at fair value through OCI 5,689 5,689 (2,958) (9,081) Net results of the financial year - profit 167,309 232,670 Foreign currency translation reserve (52,192) (65,340) 2,706,631 2,682,070 38,867 37,363 NON-CONTROLLING INTERESTS TOTAL EQUITY TOTAL LIABILITIES AND EQUITY Phone (01) 335200 | 2,745,498 2,719,433 33,761,517 31,373,590 Fax (01) 339436 | www.byblosbank.com.lb
3. Consolidated FinanCial statements as at 30 september 2017 CaPital lBP 689 ,113,198,640 FUllY Paid, total eQUitY lBP 3,167,650,000,000 | C.R.B.14150, list oF BanKs no. 39, Head oFFiCe - BeiRUt Consolidated statement oF FinanCial Position As at 30 September 2017 (LBP millions) Unaudited Audited 30-Sep-17 31-Dec-16 OFF-BALANCE SH EET IT EMS Financing Commitments Financing commitments given to banks & financial institutions Financing commitments received from banks & financial institutions Engagement to customers 323,559 401,809 88,488 106,680 3,247,151 2,774,764 Bank guarantees Guarantees given to banks & financial institutions 162,381 179,274 Guarantees given to customers 885,679 913,621 26,109,163 25,628,287 Guarantees received from customers Foreign Currenci es Forwar ds Foreign currencies to receive 545,291 310,601 Foreign currencies to deliver 544,746 308,153 44,487 161,466 3,348,900 175,504 44, 452 162, 722 3,084, 620 167, 558 Claims from legal cases Fiduciary assets Asset under management Bad debts fully pr ovi ded for Phone (01) 335200 | Fax (01) 339436 | www.byblosbank.com.lb
4. Consolidated FinanCial statements as at 30 september 2017 CaPital lBP 689 ,113,198,640 FUllY Paid, total eQUitY lBP 3,167,650,000,000 | C.R.B.14150, list oF BanKs no. 39, Head oFFiCe - BeiRUt Consolidated inCome statement Period ended 30 September 2017 (LBP millions) Interest and similar income Unaudited Unaudited 30-Sep-17 30-Sep-16 1,251,135 1,154,340 Interest and similar expense (941,160) (877,076) NET INTEREST INCOME 309,975 277,264 Fees and Commissions income 106,300 100,785 Fees and Commissions expense (9,385) (9,205) 96,915 91,580 Net gain from financial instruments at fair value through profit or loss 39,918 82,624 of which: interest revenues/charges 27,103 39,768 Net gain or loss on financial assets at amortized cost 31,907 52,499 NET FEES AND COMMISSIONS INCOME Revenue from financial assets at fair value through other comprehensive income 4,443 3,873 19,676 19,793 502,834 527,633 (21,552) (27,882) NET OPERA TING INCOME 481,282 499,751 Personnel expenses (153,930) (153,479) (14,997) (16,428) (85) (345) (93,802) (94,925) Other operating income TOTA L OPERA TING INCOME Credit loss expense Depreciation and amortization Amortisation of intangibles assets Other operating expenses Provision for risks and charges TOTA L OPERA TING EXPE NSES PROFIT BEFORE TAX Income tax expense PROFIT FOR THE PERIOD (8,317) (23,273) (271,131) (288,450) 210,151 211,301 (37,500) (39,959) 172,651 171,342 167,309 156,154 5,342 15,188 172,651 171,342 LL LL A ttributable to: Equity holders of the parent Non-controlling interests Earn in gs per share Equity holders of the parent for the period: Basic earnings per share 232.44 212.84 Diluted earnings per share 222.08 205.53 Phone (01) 335200 | Fax (01) 339436 | www.byblosbank.com.lb
5. Consolidated FinanCial statements as at 30 september 2017 CaPital lBP 689 ,113,198,640 FUllY Paid, total eQUitY lBP 3,167,650,000,000 | C.R.B.14150, list oF BanKs no. 39, Head oFFiCe - BeiRUt Consolidated statement oF ComPReHensiVe inCome Period ended 30 September 2017 (LBP millions) PROFIT FOR THE PERIOD Unaudited Unaudited 30-Sep-17 30-Sep-16 172,651 171,342 12,891 (27,052) 12,891 (27,052) OTHER COMPREHENSIV E INCOME (LOSS) Items to be reclassified to the income statement in subsequent periods: Exchange difference on translation of foreign operations Net other comprehensive gain (loss) to be reclassified to the income statement in subsequent periods Items not to be reclassified to the income statement in subsequent periods: Net unrealized gain (loss) from financial assets at fair value through other comprehensive income Income tax effect 7,192 (1,297) (1,069) (15) 6,123 (1,312) 6,123 (1,312) 19,014 (28,364) 191,665 142,978 186,581 136,967 Net oth er comprehen sive incom e (loss) n ot to be reclassified to th e incom e statem ent in subsequ ent periods OTHER COMPREHENSIV E GAIN (LOSS) FOR TH E PER IOD NET OF TAX TOTA L COMPR EHENSIVE INCOME FOR THE PERIOD, NET OF TAX A ttributable to: Equity holders of the parent Non-controlling interests Phone (01) 335200 | 5,084 6,011 191,665 142,978 Fax (01) 339436 | www.byblosbank.com.lb