BBK B.S.C. Basel II Pillar III Disclosure (For the six months ended 30 June 09)
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1 Basel II Pillar III Disclosure 13/08/2009 3:19 PM
2 Table No. Content Page no. 1. Capital Components - Consolidated 3 2. Capital Ratios - Consolidated and Subsidiaries Above 5% of Group Capital 4 3. Capital Requirement for Risk Weighted Exposure 5 4. Funded and Unfunded Total Credit Exposure 6 5. Quarterly Average Credit Exposure 7 6. Concentration of Credit Risk by Region 8 7. Concentration of credit risk by industry 9 8. Concentration of credit risk by maturity Impaired loans and provisions Reconciliation of Changes in Impaired Loans and Provisions Past due loans by region Aging of past due loans Restructured loans Market Risk Disclosures for banks using the Internal Models Approach (IMA) for trading portfolios Currency Risk Derivatives Related Party Transactions Compensation of the key management personnel including directors Equity Positions in the Banking Book Legal risk and claims Interest rate risk in the banking book (IRRBB) 17 2
3 1. Capital Components - Consolidated BHD '000 Jun-09 Tier 1 Capital Share capital 83,779 General reserves 20,000 Statutory reserves 35,500 Share premium 39,919 Retained earnings and others 17,058 Unrealized losses arising from fair valuing equities (2,662) Deductions from Tier 1 capital (39,315) Total Tier 1 Capital 154,279 Tier 2 Capital Current year profit 22,304 45% of unrealized gains arising from fair valuing equities 6,112 Collective impairement provisions 3,445 Subordinated term debt 87,362 Deductions from Tier 2 capital (39,315) Total Tier 2 Capital 79,908 Total Available Capital (Tier 1 + Tier 2) 234,188 Aggregation 70,874 Total Eligible Capital 305,062 3
4 2. Capital Ratios - Consolidated and Subsidiaries Above 5% of Group Capital Total Capital Ratio Jun-09 Tier One Capital Ratio Jun-09 BBK - GROUP 18.50% 13.66% CREDIMAX 83.32% 68.91% CAPPINOVA % % 4
5 3. Capital Requirement for Risk Weighted Exposure BHD '000 Gross Credit Exposures (before Risk Mitigation) Eligible Financial Collateral Credit Risk after Risk Mitigation and Credit Conversion Risk Weighted Asset Regulatory Capital Required 12% Total gross credit exposures Sovereign 323,860-37,700 13,572 1,629 Public sector entities 239,959-11,114 3, Banks 390,131 1, , ,847 19,782 Corporates 1,002,461 73, , , ,999 Regulatory retail 139, , ,627 90,470 10,856 Mortgage 46,880 3,431 43,449 32,827 3,939 Equity 41, ,999 6,120 Investment in funds 5,165-5,165 7, Past due Real estate 24, ,931 5,872 Securitisation 7,680-7,680 7, Other assets 102,690 6,952 95,738 95,738 11,489 Cash items 11, Total 2,335, ,429 1,599,230 1,432, ,880 Aggregation 61,527-61,527 61,527 7,383 Total Credit Risk 2,397, ,429 1,660,757 1,493, ,263 Market Risk ,746 1,530 Operational Risk ,073 17,049 Total Risk Weighted Exposure 2,397, ,429 1,660,757 1,648, ,842 5
6 4. Funded and Unfunded Total Credit Exposure BHD '000 Total gross credit exposures Total Funded Credit Exposure Total Un-Funded Credit Exposure Sovereign 278,026 45,834 Public sector entities 215,667 24,293 Banks 237, ,230 Corporates 873, ,424 Regulatory retail 137,161 2,206 Mortgage 46,880 - Equity 41,717 - Investment in funds 4, Past due Real estate 24,465 - Securitisation 6, Other assets 88,158 14,532 Cash items 11,035 - Total 1,966, ,555 Aggregation 61,527 - Total Credit Risk 2,027, ,555 6
7 5. Quarterly Average Credit Exposure BHD ' Quarterly Average Sovereign 323,759 Public sector entities 239,374 Banks 377,671 Corporates 994,143 Regulatory retail 146,074 Mortgage 45,924 Equity 41,393 Investment in funds 5,393 Past due 5,593 Real estate 24,649 Securitisation 6,488 Other assets 112,141 Cash items 11,234 Total 2,333,837 Aggregation 61,800 Total Credit Risk 2,395,637 7
8 6. Concentration of Credit Risk by Region GCC North America Europe Asia Others Total Cash and balances with central banks 163, , ,440 Treasury bills 9, ,978 Financial assets at fair value throught Deposits in banks and other financial 108,693 4,036 8,929 5, ,418 Loans and advances to customers 1,287, ,586 46,006 6,629 1,346,431 Investment securities 194,053 31,832 25,524 12,286 18, ,061 Other assets 31, ,236-33,874 Total funded exposure 1,795,391 36,221 40,039 68,528 25,023 1,965,202 Unfunded commitments and contingents 209,458 1,571 74,704 83, ,429 Aggregation 61, ,527 Total credit risk 2,066,376 37, , ,230 26,017 2,397,158 8
9 7. Concentration of credit risk by industry BHD '000 Banks and Other Financial Institutions Construction and Real Estate Government and Public Sector Individuals Others Total Trading and Manufacturing Cash and balances with central banks - 2, , ,440 Treasury bills , ,978 Financial assets at fair value throught statement Deposits in banks and other financial - 127, ,418 Loans and advances to customers 398, , ,984 84, , ,485 1,346,431 Investment securities 10, ,590 30,309 60,248-9, ,061 Other assets ,874 33,874 Total funded exposure 409, , , , , ,098 1,965,202 Unfunded commitments and contingents 71, ,541 55,597 4,433 16,400 10, ,429 Aggregation - 61, ,527 Total credit risk 481, , , , , ,165 2,397,158 9
10 8. Concentration of credit risk by maturity BHD '000 Less than 1 Month 1 Month to 3 Months 3 Months to 6 Months 6 Months to 1 Year 1 to 5 Years 5 to 10 Years 10 to 20 Years More than 20 Years Total Cash and balances with central banks 163, ,440 Treasury bills 9, ,978 Financial assets at fair value throught statement of income Deposits in banks and other financial institutions 95,302 32, ,417 Loans and advances to customers 160, ,102 69, , , , ,977 38,355 1,346,431 Investment securities ,589 14,874 70,820 73,114 45,829-63, ,061 Other assets 266 1, , ,489 33,875 Total funded exposure 430, ,993 84, , , , , ,734 1,965,202 Unfunded commitments and contingents 79,868 48,254 60, ,734 21,315 7,038 5, ,429 Aggregation ,527 61,527 Total Credit Risk 510, , , , , , , ,948 2,397,158 10
11 9. Impaired loans and provisions BHD '000 Principal and Interest Outstanding Impaired Loans Specific provisions Manufacturing 258,269 20,567 14,017 Mining and quarrying 39, Agriculture, fishing and forestry Construction 118,823 13,205 3,039 Financial 146,541 40,785 12,275 Trade 138,035 6,864 2,729 Personal / Consumer finance 130,554 13,461 12,581 Commercial real estate financing 285,950 1,802 1,145 Residential mortgage 48, Government 84, Technology, media and telecommunications 53, Transport 30,589 4,989 4,850 Other sectors 69, Total 1,404, ,858 51, Reconciliation of Changes in Impaired Loans and Provisions Specific Impairment Provisions Collective Impairment Provisions At beginning of the year 52,187 3,710 Amounts written off (4,963) - Write backs / cancellation due to improvement (703) (43) Additional provisions made 5,876 (307) Exchange adjustment and other movements (573) 86 Notional interest on impaired assets (336) - Balance at reporting date 51,489 3,445 11
12 11. Past due loans by region BHD '000 GCC North America Europe Asia Others Total Past due loans 101, ,858 Specific impairment provisions 50, ,489 Collective impairment provisions 3, , Aging of past due loans BHD '000 3 months up to 1 year 1 up to 3 years Over 3 years Total Gross impaired loans 51,333 2,551 48, ,858 Less: specific provisions 8,574 1,212 28,371 38,158 Less: interest in suspense ,254 13,331 Net outstanding 41,959 1,061 8,349 51,369 Market value of collateral 9,481 2,724 27,975 40, Restructured loans Loans restructured during the year Impact of restructured facilities and loans on present and future earnings Impact of restructured facilities and loans on provisions BD'000 22,
13 14. Market Risk Disclosures for banks using the Internal Models Approach (IMA) for trading portfolios VaR Results for June 30th 2009 (10 day 99%) Global (BAHRAIN & KUWAIT) January 1, - June 30, 2009 VaR Average Limit Asset Class 30/6/2009 High VaR Low VaR VaR Foreign exchange 1, Interest rate Total 1, Currency Risk The functional currency of the Group is the Bahraini Dinar. The Group has the following significant non - strategic net exposures denominated in foreign currencies as of BHD '000 USD Dollars (20,010) EURO 75 G.C.C Currencies 19,706 Kuwaiti Dinars (835) Others 570 Total (494) 13
14 16. Derivatives BHD '000 Derivatives Positive fair value Negative fair value Notional Amount Derivatives held for trading Interest rate swap 276 (282) 15,080 Forward foreign exchange contracts 1, ,902 Derivatives held as fair value hedges Interest rate swap 987 (1,920) 20,348 Forward foreign exchange contracts 1,257 (207) 48,489 Derivatives held as cash value hedges Interest rate swap 2,144 (3,749) 47,050 Forward foreign exchange contracts Total 5,848 (5,527) 160, Credit Derivatives Exposure BHD '000 FTD 5,200 CDS 174,928 Credit Derivatives Products sold 180,128 14
15 18. Related Party Transactions Major Shareholders Associted & Others Directors and key Management BD 000 Placment Loans and advances to customers Non-trading investment securities Borrowing and deposits - 15,422 4,344 19,766-4,054-4, , , ,823 No provision is required in respect of loans given to related parties (2008: nil) The income and expenses in respect of related parties included in the consolidated income statement are as follows: Interest income on loans and advances to customers Gain on non-trading investment securities Interest expense on deposits , , Compensation of the key management personnel including directors Salaries and other short term benefits Post employment benefits Share based payments BD 000 4, Total compensation paid to key management personnel 4,808 15
16 20. Equity Positions in the Banking Book BHD '000 Publicly Traded Equity Shares 34,932 Privately Held Equity Shares 28,562 Total 63,493 Realised Gains/ Losses 10,921 Unrealised Gains/ Losses in Equity - Included in Tier Two Capital 6,112 (45% of Cumulative change in fair value) Capital Required 7,619 16
17 21. Legal risk and claims Legal risk is the risk relating to losses due to legal or regulatory action that invalidates or otherwise precludes performance by the end user or its counterparty under the terms of the contract or related netting agreements. The Group has developed sufficient preventive controls and formalised procedures to identify legal risks so that potential losses arising from nonadherence to laws and regulations, negative publicity, etc. are avoided. The Group also has well established legal procedures to scrutinize product offerings and manage risks arising out of its transactions. As at 30 June 2008, there were legal suits pending against the Group aggregating BD 1.3 million. Based on the opinion of the Group's legal advisors, the management believes that no liability is likely to arise from these suits and does not consider it necessary to carry any provisions in this regard. 22. Interest rate risk in the banking book (IRRBB) A increase of 200 basis point in interest rates, with all other variables held constant, will result in a negative impact on equity of approximately Similarly, a decrease of 200 basis point in interest rates, with all other variables held constant, will result in a positive impact on equity of approximately 5.6%. 17
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