Bank AlJazira. Capital Adequacy Disclosures. As per Basel II Pillar 3
|
|
- Herbert Powers
- 5 years ago
- Views:
Transcription
1 Bank AlJazira Capital Adequacy Disclosures As per Basel II Pillar 3 As at June 30, 2010
2 1. Executive Summary The information in the attached tables has been prepared as a result of the implementation of Basel II Accord, as published by the Saudi Arabian Monetary Agency (SAMA) in March The Basel II Accord introduced Market Discipline under Pillar 3 through incorporating transparency disclosures to reflect the various risks faced by banks and the capital adequacy to cover these risks. Bank AlJazira has already successfully implemented the Basel II Accord as mandated by SAMA with effect from January 1, 2008, adopting the following approaches for each of the risks: Credit risk Market risk Operational risk Risk Approach Standardized Approach Standardized Approach Basic Indicator Approach The Pillar III disclosures have been provided in this document as applicable to the Bank as of June 30, Background Bank AlJazira (the Bank) is a Joint Stock Company incorporated in the Kingdom of Saudi Arabia and formed pursuant to Royal Decree number 46/M dated Jumad AlThani 12, 1395H (June 21, 1975). The Bank commenced its business on Shawwal 16, 1396H (October 9, 1976) with the takeover of The National Bank of Pakistan s branches in the Kingdom of Saudi Arabia and operates under commercial registration number dated Rajab 29, 1396H (July 27, 1976) issued in Jeddah. Bank AlJazira King Fahd Street, P.O. Box 6277 Jeddah 21442, Kingdom of Saudi Arabia The objective of the Bank is to provide a full range of Shariáh compliant banking products and services. The Bank provides to its customers Shari ah compliant (noninterest based) banking products comprising of Murabaha, Istisna a, Ijarah and Tawaraq which are approved and supervised by an independent Shari ah Board established by the Bank.
3 3. Capital Management The Bank's objectives when managing its capital are; to comply with the capital requirements set by SAMA, to safeguard the Bank's ability to continue as a going concern and to maintain a welladequate capital base, all in order to preserve the rights of all stakeholders including; shareholders, depositors, the community and its employees. The Bank monitors the adequacy of its capital according to the Basel II as adopted by SAMA with modifications appropriate to the local banking industry. These ratios measure capital adequacy by comparing the Bank s eligible capital with its credit risk weighted exposures both for on and off balance sheet assets. In addition to the credit risk, the market risk and operational risk (covered under Pillar 1), other risks are also considered in the capital management such as; liquidity risk, interest rate risks, reputation risks, concentration risk, macroeconomic risk, etc (covered under Pillar 2). SAMA requires the bank to hold the minimum level of the regulatory capital and maintain a ratio of total regulatory capital to the riskweighted asset at or above the agreed minimum of 8%. 4. Summary Capital Requirement The tale below provides a summary of the risk weighted exposures and capital requirements under the various types of risks; furthermore, it details the surplus capital available for Bank AlJazira as an additional buffer and future growth: All amounts in thousand Saudi riyals Summary of Regulatory Capital Requirements: RWE Capital %age of Total Regulatory Capital Requirements Pillar One Requirement Requirement Credit Risk 22,806,655 1,824,533 72% Market Risk 2,952, ,234 9% Operational Risk 2,156, ,547 7% Total Pillar One 27,916,414 2,233,314 88% Pillar Two Risks 3,971, ,754 12% Total RWA 31,888,339 2,551, % Surplus capital 2,141,302 Total Capital Available 4,692,370
4 TABLE 1: CAPITAL ADEQAUCY The structure of the shareholders' equity is as follows: Shareholders' Equity Share capital 3,000,000 Statutory reserve 1,390,000 General reserve 68,000 Other reserve 881 Retained earnings 61,789 Proposed dividend Tier One Capital 4,520,670 Portfolio provision 171,700 Total Tier One and Tier Two Capital 4,692,370 Total capital ratio % Tier 1 capital ratio% Top consolidated level
5 TABLE 2: CAPITAL STRUCTURE Capital Structure (Table 2, (b) to (e)) TABLE 2: CAPITAL STRUCTURE Components of capital Core capital Tier I: Capital Structure (Table 2, (b) to (e)) Amount Eligible paidup share capital 3,000,000 Shares premium accounts Eligible reserves 1,458,000 Minority interests in the equity of subsidiaries Retained earnings 61,789 IAS type adjustments* 881 Deductions from Tier I: Interim losses during the year Intangible assets (including goodwill) Other country specific deductions from Tier 1 at 50% Regulatory calculation differences deduction from Tier 1 at 50%** Reciprocal holding of bank capital at 50% deduction Significant minority investments at 10% and above at 50% deduction: Banking and securities entities not fully consolidated Insurance organizations Commercial organizations Supplementary capital Tier 2: Total Tier I 4,520,670 Revaluation gains/reserves Subordinated loan capital Qualifying general provisions 171,700 Interim profits Deductions from Tier II: Reciprocal holding of bank capital at 50% deduction Significant minority investments at 10% and above at 50% deduction: Banking and securities entities not fully consolidated Insurance organizations Commercial organizations Other country specific deductions from Tier 2 at 50% Regulatory calculation differences deduction from Tier 2 at 50%** Total Tier II 171,700 Capital to cover market risks Tier III Short Term Subordinated Debit Tier I and Tier II Capital Available for Market Risk Total eligible capital 4,692,370
6 TABLE 3: CAPITAL ADEQUACY Amount of Exposures Subject To Standardized Approach of Credit Risk and related Capital Requirements (TABLE 3, (b)) Portfolios Amount of exposure RWA Capital requirements SAMA and Saudi Government Others Multilateral Development Banks (MDBs) Public Sector Entities (PSEs) Banks and securities firms Corporate 2,437, , ,825 37, ,941,134 1,383,911 16,924,122 15,598,671 9,026 18,790 1, ,713 1,247,894 Retail nonmortgages 280,895 4,449,295 3,511,184 Small Business Facilities Enterprises 15,429 1,234 (SBFE's) 20,985 Mortgages Residential Mortgages Residential 143, ,333 5,447 11,467 5, Mortgages Residential 2,491,699 1,608, ,677 Total 30,962,058 22,806,655 1,824,533
7 TABLE 3: CAPITAL ADEQUACY (SR 000's) Capital Requirements For Market Risk* (822, Table 3, (d)) Traded Debt instruments Equity position risk Foreign exchange risk Commodity risk Total Standardised approach 123,137 67,724 45, ,234 Internal models approach The market risk calculation is based on Risk Weighted Assets as determined under the Standardised Approach for Market Risk as the related SAMA guidelines.
8 Frequency : SA Location : W TABLE 3: CAPITAL ADEQUACY Capital Requirements for Operational Risk* (Table 3, (e)) Particulars Capital requirement Basic indicator approach; 172,547 Standardized approach; Alternate standardized approach; Advanced measurement approach (AMA). Total 172,547 Bank AL Jazira is currently applying the Basic Indicator Approach to determine its capital requirements to cover the operational risks. This basis is applied on Bank's average gross revenue of past three financial years, as adjusted for certain nonregular items in accordance with SAMA guidelines.
9 TABLE 3: CAPITAL ADEQUACY Capital Adequacy Ratios (TABLE 3, (f)) Particulars Total capital ratio % Tier 1 capital ratio Top consolidated level Bank significant stand alone subsidiary 1 Bank significant stand alone subsidiary 2 Bank significant stand alone subsidiary 3 Bank significant stand alone subsidiary n
10 TABLE 4 (STA): CREDIT RISK: GENERAL DISCLOSURES Credit Risk Exposure (Table 4, (b)) Portfolios As per the Prudential Returns (RWE) SAMA and Saudi Government 2,437,118 GCC Sovereign & GCC Central Banks 24,681 Other Sovereigns and Central Banks 112,824 Banks & Securities Firm Exposure 3,941,133 Average gross credit risk exposure over the period 2,437,118 25,314 93,966 4,533,323 Public Sector Entities (PSEs) Multilateral Development Banks (MDBs) 37,580 Corporate 17,333,825 Retail SBFEs 20,983 Other Retail NonMortgages 4,412,957 Residential Mortgages 143,471 Other Assets 2,491,699 Equities 162,739 16,553,168 21,522 3,934, ,023 2,547,123 5,449 4,715 GROSS CREDIT EXPOSURE 30,962,058 30,445,699
11 TABLE 4 (STA): CREDIT RISK: GENERAL DISCLOSURES Portfolios Industry sector Government and quasi government Banks and other financial Institutions Agriculture and fishing Manufacturing Mining and quarrying Electricity, water, gas and health services SAMA and Saudi Government GCC Sovereign & GCC Central Banks Other Sovereigns and Central Banks 110,092 1,350,000 Banks & Securities Firm Exposure 3,924,412 Public Sector Entities (PSEs) Multilateral Development Banks (MDBs) 37,580 Corporate 1,661,370 1,194,325 68,442 4,319,343 1,630 51,024 Retail SBFEs 6,140 Other Retail NonMortgages 487 1,723 4, Residential Mortgages Other Assets 398 Equities TOTAL 1,771,949 6,508,438 68,442 4,329,590 1,630 51,103
12 TABLE 4 (STA): CREDIT RISK: GENERAL DISCLOSURES Geographic Breakdown (Table 4, (c)) Portfolios ON AND OFF Geographic area Saudi Arabia Other GCC & Middle East Europe North America South East Asia Other Countries Total SAMA and Saudi Government 2,437,118 2,437,118 GCC Sovereign & GCC Central Banks 24,681 24,681 Other Sovereigns and Central Banks ,618 75, ,824 Banks & Securities Firm Exposure 919,665 2,789, ,229 9,601 1,972 3,941,133 Public Sector Entities (PSEs) Multilateral Development Banks (MDBs) 37,580 37,580 Corporate 17,134,405 26, ,775 17,333,825 Retail SBFEs 20,983 20,983 Other Retail NonMortgages 4,410,330 1,349 1,277 4,412,956 Residential Mortgages 143, ,470 Other Assets 2,486, ,917 2,491,700 Equities 4, ,131 5,450 TOTAL 27,556,929 2,917, ,146 10, ,906 30,962,058 Presently 93% of the BAJ total asset Portfolio is concentrated in Saudi Arabia. This is line with BAJ overall strategy of doing business as applied currently.
13 TABLE 4 (STA): CREDIT RISK: GENERAL DISCLOSURES Industry Sector Breakdown (Table 4, (d)) Portfolios Industry sector Building and construction Commerce Transportation and communication Services Consumer loans and credit cards Others Total SAMA and Saudi Government GCC Sovereign & GCC Central Banks Other Sovereigns and Central Banks Banks & Securities Firm Exposure 3,114 Public Sector Entities (PSEs) Multilateral Development Banks (MDBs) ,087,118 2,437,118 24,681 24,681 2, ,824 13,608 3,941, ,580 Corporate 1,484,515 3,732, , ,883 4,951 4,408,991 17,333,823 Retail SBFEs 3,617 2, ,904 20,984 Other Retail NonMortgages Residential Mortgages Other Assets 11,589 4, ,151 2,254,512 2,126,503 4,412, ,222 30, ,471 (67,322) 2,558,623 2,491,699 Equities 5,450 5,450 TOTAL 1,499,721 3,742, , ,034 2,306,025 10,266,535 30,962,058
14 TABLE 4 (STA): CREDIT RISK: GENERAL DISCLOSURES Residual Contractual Maturity Breakdown (Table 4, (e)) Maturity breakdown Portfolios Less than 8 days 830 days 3090 days days days 13 years 35 years Over 5 years Total SAMA and Saudi Government 1,237, , , , , ,000 2,437,118 GCC Sovereign & GCC Central Banks 24,681 24,681 Other Sovereigns and Central Banks 12,343 97,749 2, ,824 Banks & Securities Firm Exposure 1,072,930 1,147, , , ,000 3,941,134 Public Sector Entities (PSEs) Multilateral Development Banks (MDBs) 37,580 37,580 Corporate 4,828,261 1,010, ,560,741 2,291,605 3,483,523 2,018,100 2,141,146 17,333,823 Retail SBFEs 8,581 2,334 5, ,808 20,984 Other Retail NonMortgages 215, , , , , ,079 2,751,469 4,412,956 Residential Mortgages 75 1, , ,471 Other Assets 2,491,699 2,491,699 Equities 5,450 5,450 TOTAL 9,859,897 2,445, ,757,464 3,750,447 4,628,337 2,460,094 5,060,019 30,962,058
15 As of June 30, 2009 Industry sector TABLE 4 (STA): CREDIT RISK: GENERAL DISCLOSURES Impaired Loans, Past Due Loans and Allowances (Table 4, (f)) Impaired loans Aging of Past Due Loans (days) Specific allowances General allowances Less than Over 360 Gross charges during the period Chargeoffs during the period Balance at the end of the period Electricity, water, gas and health services (15,389) 431 Manufacturing (251,593) 62,898 62,898 39,102 Agriculture and fishing 497 Building and construction (89,740) (1,200) 19,360 Transportation and communication Services (62,617) (4,466) 1,111 1, Commerce (17,631) (612,781) 152,151 31, ,863 22,711 Banks and other financial institutions 3,036 Others (28,664) (7,615) 7,300 7,300 51,944 Government and quasi government Consumer loans and credit cards (5,792) (13,216) 19, ,500 33,647 TOTAL (219,833) (890,871) 242,903 31, , ,700
16 TABLE 4 (STA): CREDIT RISK GENERAL DISCLOSURES Impaired Loans, Past Due Loans And Allowances (Table 4, (g)) Geographic area Impaired loans As of June 30, 2009 Aging of Past Due Loans (days) Less than Saudi Arabia (219,833) (890,871) Other GCC & Middle East Over 360 Specific allowances General allowances 793, ,700 Europe North America South East Asia Other countries TOTAL (219,833) (890,871) 793, ,700
17 TABLE (4 (h)) RECONCILIATION OF CHANGES IN THE ALLOWANCES FOR LOANS IMPAIRMENT Specific allowances General allowances Balance,beginning of the period 642, ,700 Chargeoffs taken during the period 221,904 21,000 Utilized for writeoffs (31,769) Provision reversed to Income (39,682) Other adjustments 0 Transfers between allowances 0 0 Balance, end of the period 793, ,700
18 Particulars TABLE 5 (STA): CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO THE STANDARDIZED APPROACH Allocation Of Exposures To Risk Buckets (Table 5, (b)) Risk buckets 0% 20% 35% 50% 75% 100% 150% Total SAMA and Saudi Government 2,437,118 2,437,118 GCC Sovereign & GCC Central Banks 24,681 24,681 Other Sovereigns and Central Banks 112, ,824 Banks & Securities Firm Exposure 2,115,452 1,729,722 95,960 3,941,134 Public Sector Entities (PSEs) Multilateral Development Banks (MDBs) 37,580 37,580 Corporate 459,370 16,787,035 87,371 17,333,776 Retail SBFEs 20,984 20,984 Other Retail NonMortgages 3,375,601 1,037,356 4,412,957 Residential Mortgages 143, ,471 Other Assets 883,450 1,608,451 2,491,901 Equities 5,450 5,450 Unclassified TOTAL 3,345,249 2,115,790 2,226,672 3,396,585 19,790,547 87,371 30,962,214
19 As of June 30, 2009 TABLE 7 (STA): CREDIT RISK MITIGATION (CRM): DISCLOSURES FOR STANDARDIZED APPROACH Credit Risk Exposure Covered By CRM (Table 7, (b) and (c)) Portfolios Eligible financial collateral * Covered by Guarantees SAMA and Saudi Government GCC Sovereign & GCC Central Banks Other Sovereigns and Central Banks Banks & Securities Firm Exposure Multilateral Development Banks (MDBs) Corporate 9,629,119 Retail SBFEs Other Retail NonMortgages 1,237, ,158 Residential Mortgages 88,569 Past Due Exposures Other Assets Equities TOTAL 10,866, ,727
20 As of June 30, 2009 TABLE 10: MARKET RISK: DISCLOSURES FOR BANKS USING THE STANDARDIZED APPROACH Risk types Level Of Market Risks In Terms Of Capital Requirements (Table 10, (b)) Traded debt instruments Equity position risk Foreign exchange risk Capital requirements 123,137 67,724 45,372 Commodity risk Total 236,234
21 As of June 30, 2009 TABLE 13: EQUITIES: DISCLOSURES FOR BANKING BOOK POSITIONS Value Of Investments (Table 13, (b)) Unquoted investments Quoted investments Value disclosed in Financial Statements Fair value Value disclosed in Financial Statements Fair value Publicly quoted share values (if materially different from fair value) Equity investments AFS 3,250 3,
22 As of June 30, 2009 TABLE 13: EQUITIES: DISCLOSURES FOR BANKING BOOK POSITIONS Types And Nature of Investments (Table 13, (c)) Investments Publicly traded Privately held Government and quasi government Banks and other financial institutions 361,917 3,250 Agriculture and fishing Manufacturing Mining and quarrying Electricity, water, gas and health services Building and construction Commerce Transportation and communication Services Others Total 361,917 3,250
23 As of June 30, 2009 Particulars TABLE 13: EQUITIES: DISCLOSURES FOR BANKING BOOK POSITIONS Gains/Losses (Table 13, (d) and (e)) Amount Cumulative realized gains (losses) arising from sales and liquidations in the reporting period Total unrealized gains (losses) Total latent revaluation gains (losses)* Unrealized gains (losses) included in Capital Latent revaluation gains (losses) included in Capital* *Not applicable to KSA as of todate
24 As of June 30, 2009 Equity grouping TABLE 13: EQUITIES: DISCLOSURES FOR BANKING BOOK POSITIONS Government and quasi government Capital Requirements (Table 13, (f)) Capital requirements Banks and other financial institutions 28,953 Agriculture and fishing Manufacturing Mining and quarrying Electricity, water, gas and health services Building and construction Commerce Transportation and communication Services Others Total 28,953
Bank AlJazira. Capital Adequacy Disclosures. As per Basel II Pillar 3
Bank AlJazira Capital Adequacy Disclosures As per Basel II Pillar 3 As at December 31, 2009 1. Executive Summary The information in the attached tables has been prepared as a result of the implementation
More informationTABLE 2: CAPITAL STRUCTURE
Components of capital Core capital - Tier I: TABLE 2: CAPITAL STRUCTURE Amount Eligible paid-up share capital 3,000,000 Shares premium accounts - Eligible reserves (6,145) Legel reserves 29,167 Other reserves
More informationBASEL II Quantitative Disclosures
BASEL II Quantitative Disclosures PILLAR 3 - TABLES (DECEMBER 2010) Table No. Description Table 1, (e) SCOPE OF APPLICATION (Capital Deficiencies) Table 2, (b) to (e) CAPITAL STRUCTURE (Capital Structure)
More informationTABLE 2: CAPITAL STRUCTURE
Components of capital Core capital - Tier I: TABLE 2: CAPITAL STRUCTURE AS AT 31 DECEMBER 2010 Amount Eligible paid-up share capital 3,000,000 Eligible reserves 10,642 Legel reserves 29,167 Other reserves
More informationBASEL II Quantitative Disclosures
BASEL II Quantitative Disclosures PILLAR 3 - TABLES (June 2012) Table No. Table 1, (e) Table 2, (b) to (e) TABLE 3, (b) Table 3 (d) Table 3, (e) Table 4, (b) Table 4, (c) Table 4, (d) Table 4, (e) Table
More informationBASEL II Quantitative Disclosures
BASEL II Quantitative Disclosures PILLAR 3 - TABLES (December 2011) Table No. Description Table 1, (e) SCOPE OF APPLICATION (Capital Deficiencies) Table 2, (b) to (e) CAPITAL STRUCTURE (Capital Structure)
More informationAs at 30 June TABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e))
Particulars As at 30 June 2011 TABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e)) The aggregate amount of capital deficiencies in subsidiaries not included in the consolidation i.e. that
More information1 of 27 SAR (000) Quantitative Disclosures under Pillar III of Basel III for December 31, 2015
TABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e)) Particulars The aggregate amount of capital deficiencies in subsidiaries not included in the consolidation i.e. that are deducted: Amount
More informationBASEL III - PILLAR-III LIST OF RETURNS JUNE 2016
BASEL III PILLARIII LIST OF RETURNS JUNE 2016 Scope of Application 1 Capital Structure Balance Sheet Step 1 Balance Sheet Step 2 Common Template transition Step 3 Common Template transition Step 3 Main
More informationBASEL III - PILLAR-III LIST OF RETURNS JUNE 2013
BASEL III PILLARIII LIST OF RETURNS JUNE 2013 Scope of Application 1 Capital Structure Balance Sheet Step 1 Balance Sheet Step 2 Common Template transition Step 3 Common Template transition Step 3 Main
More informationBASEL III Quantitative Disclosures
BASEL III Quantitative Disclosures PILLAR 3 - TABLES (December 2013) Table No. Description Table 1, (e) SCOPE OF APPLICATION (Capital Deficiencies) Table 2, (b) CAPITAL STRUCTURE (Balance sheet - Step
More informationBASEL III Quantitative Disclosures
BASEL III Quantitative Disclosures PILLAR 3 - TABLES (December 2014) Table No. Description Table 1, (e) SCOPE OF APPLICATION (Capital Deficiencies) Table 2, (b) CAPITAL STRUCTURE (Balance sheet - Step
More informationTABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e))
Frequency : SA Location : W Particulars 3. Subsidiary 3 4. Subsidiary n TABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e)) The aggregate amount of capital deficiencies in subsidiaries not
More informationBASEL III Quantitative Disclosures
BASEL III Quantitative Disclosures PILLAR 3 - TABLES (June 2015) Table No. Description Table 1, (e) SCOPE OF APPLICATION (Capital Deficiencies) Table 2, (b) CAPITAL STRUCTURE (Balance sheet - Step 1) Table
More informationBASEL III PILLAR 3 Quantitative Disclosures (AS AT 30 JUNE 2013)
BASEL III PILLAR 3 Quantitative Disclosures (AS AT 30 JUNE 2013) 4. Subsidiary n TABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e)) Particulars The aggregate amount of capital deficiencies
More informationBASEL III PILLAR 3 Quantitative Disclosures (AS AT 31 DECEMBER 2014)
BASEL III PILLAR 3 Quantitative Disclosures (AS AT 31 DECEMBER 2014) 4. Subsidiary n TABLE 1: SCOPE OF APPLICATION Capital Deficiencies (Table 1, (e)) Particulars The aggregate amount of capital deficiencies
More informationBASEL III PILLAR 3 Quantitative Disclosures. ( AS AT 30 June 2015 )
BASEL III PILLAR 3 Quantitative Disclosures ( AS AT 30 June 2015 ) TABLE 1: SCOPE OF APPLICATION - June 2015 Capital Deficiencies (Table 1, (e)) Particulars Amount The aggregate amount of capital deficiencies
More informationNational Commercial Bank. Qualitative and Quantitative Pillar 3 Disclosures As of 31 December 2013
National Commercial Bank Qualitative and Quantitative Pillar 3 Disclosures As of 31 December 2013 Contents 1.0 Scope of Application... 1 1.1 Introduction... 1 1.2 Basis of Consolidation... 1 (i) Entities
More informationBASEL III PILLAR 3 Quantitative Disclosures
BASEL III PILLAR 3 Quantitative Disclosures June 30, 2016 TABLE 1: SCOPE OF APPLICATION - June 2016 Capital Deficiencies (Table 1, (e)) Particulars Amount The aggregate amount of capital deficiencies in
More informationBANK ALJAZIRA (A Saudi Joint Stock Company)
BANK ALJAZIRA UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE MONTHS ENDED 30 SEPTEMBER AND REVIEW REPORT INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 31 December
More informationBANK ALJAZIRA (A Saudi Joint Stock Company)
BANK ALJAZIRA UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTHS PERIOD ENDED 30 JUNE 2014 INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION Note 30 June 2014 31 December
More informationBANK ALJAZIRA (A Saudi Joint Stock Company) UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTH PERIOD ENDED 30 JUNE 2017
BANK ALJAZIRA UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTH PERIOD ENDED 30 JUNE 2017 FOR THE SIX MONTH PERIOD ENDED 30 JUNE 2017 1. GENERAL These interim condensed
More informationBASEL II PILLAR 3 ANNUAL DISCLOSURES YEAR Page 0
s BASEL II PILLAR 3 ANNUAL DISCLOSURES YEAR-2012 Page 0 Table of contents 1 Scope of application... 2 2 Capital structure... 3 3 Capital adequacy... 5 4 Credit risk.... 7 5 Standardized approach and supervisory
More informationBASEL III PILLAR 3 ANNUAL DISCLOSURES YEAR-2015
s BASEL III PILLAR 3 ANNUAL DISCLOSURES YEAR-2015 I. Executive Summary 2-6 II. Table of contents 1 Scope of application... 7 2 Capital structure... 10 3 Capital adequacy... 18 4 Credit risk... 22 5 Standardized
More informationOverview 1. Information on subsidiaries and significant investments 4. Consolidated capital structure 5. Capital adequacy 6
Contents Page Overview 1 Information on subsidiaries and significant investments 4 Consolidated capital structure 5 Capital adequacy 6 Capital requirement for market risk as per standardized approach 9
More informationNational Commercial Bank. Qualitative and Quantitative Pillar 3 Disclosures As of 31 December 2014
National Commercial Bank Qualitative and Quantitative Pillar 3 Disclosures As of 31 December 2014 Contents 1.0 Scope of Application... 1 1.1 Introduction... 1 1.2 Basis of Consolidation... 1 (i) Entities
More informationOverview 1. Information on subsidiaries and significant investments 43. Consolidated capital structure 54. Capital adequacy 65
Contents Page Overview 1 Information on subsidiaries and significant investments 43 Consolidated capital structure 54 Capital adequacy 65 Capital requirement for market risk as per standardized approach
More informationEMIRATES NBD BANK PJSC BASEL II PILLAR III DISCLOSURES FOR THE YEAR ENDED 31 DECEMBER 2016
EMIRATES NBD BANK PJSC BASEL II PILLAR III DISCLOSURES FOR THE YEAR ENDED BASEL II PILLAR III DISCLOSURES Contents Page Overview 1 Information on subsidiaries and significant investments 4 Consolidated
More informationBANK ALJAZIRA (A Saudi Joint Stock Company)
BANK ALJAZIRA UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE MONTH AND SIX MONTH PERIODS ENDED 30 JUNE 2018 FOR THE SIX MONTH PERIOD ENDED 30 JUNE 2018 1. GENERAL These
More informationEMIRATES NBD BANK PJSC BASEL II PILLAR III DISCLOSURES FOR THE YEAR ENDED 31 DECEMBER 2017
EMIRATES NBD BANK PJSC BASEL II PILLAR III DISCLOSURES FOR THE YEAR ENDED 31 DECEMBER 2017 BASEL II PILLAR III DISCLOSURES Contents Page Overview 1 Information on subsidiaries and significant investments
More informationBANQUE SAUDI FRANSI PILLAR 3- QUALITATIVE DISCLOSURES 31 DECEMBER 2015
BANQUE SAUDI FRANSI PILLAR 3- QUALITATIVE DISCLOSURES 31 DECEMBER 2015 1 INTRODUCTION Banque Saudi Fransi (BSF the Bank) is a Saudi Joint Stock Company established by Royal Decree No. M/23 dated Jumada
More informationArab National Bank. (A Saudi Joint Stock Company) Interim Condensed Consolidated Financial Statements For the period ended 30 September 2017
Arab National Bank (A Saudi Joint Stock Company) Interim Condensed Consolidated Financial Statements For the period ended 30 September 2017 Notes to the Interim Condensed Consolidated Financial Statements
More informationENDED DECEMBER 31, 1. GENERAL These financial statements comprise the financial statements of Bank AlJazira (the Bank ) and its subsidiaries (collectively referred to as the Group ). Bank AlJazira is a
More informationBasel II Pillar III disclosures
Basel II Pillar III disclosures 1 EXECUTIVE SUMMARY This report has been prepared in accordance with Pillar III disclosure requirements prescribed by the Central Bank of Bahrain, herein refered to as CBB.
More informationBasel II Pillar III disclosures
Basel II Pillar III disclosures 70 1. Executive summary This report has been prepared in accordance with Pillar III disclosure requirements prescribed by the Central Bank of Bahrain, herein refered to
More informationAL RAJHI BANKING AND INVESTMENT CORPORATION (A SAUDI JOINT STOCK COMPANY)
AL RAJHI BANKING AND INVESTMENT CORPORATION INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) FOR THE THREE - MONTH PERIOD ENDED 31 MARCH 2016 INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
More informationBANK ALJAZIRA. Revised Basel III Pillar 3 Qualitative & Quantitative Disclosures. December 31, 2016
BANK ALJAZIRA Revised Basel III Pillar 3 Qualitative & Quantitative Disclosures December 31, 2016 Summary Tables and templates* Template ref. # Overview of risk management and RWA Linkages between financial
More informationBANK ALBILAD (A Saudi Joint Stock Company)
UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE-MONTHS PERIOD ENDED SEPTEMBER 30, 2014 INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 30, 2014 (Unaudited)
More informationTHE NATIONAL COMMERCIAL BANK UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTHS ENDED
THE NATIONAL COMMERCIAL BANK UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTHS ENDED 30 June 2011 Ernst & Young KPMG Al Fozan & Al Sadhan INTERIM CONDENSED CONSOLIDATED
More informationSAMBA FINANCIAL GROUP INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND AUDITORS' REVIEW REPORT
SAMBA FINANCIAL GROUP INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND AUDITORS' REVIEW REPORT FOR THE NINE MONTH PERIOD ENDED SEPTEMBER 30, 2013 SAMBA FINANCIAL GROUP Page 3 STATEMENTS OF CONSOLIDATED
More informationBANK ALBILAD (A Saudi Joint Stock Company)
UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE-MONTHS PERIOD ENDED MARCH 31, 2014 INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 31, 2014 SAR 000 (Unaudited)
More informationIbdar Bank B.S.C. (c) DISCLOSURES REQUIRED UNDER PD MODULE OF THE CBB RULEBOOK For The Six Months Ended 30 June 2018
DISCLOSURES REQUIRED UNDER PD MODULE OF THE CBB RULEBOOK For The Six Months Ended Content Page 1 INTRODUCTION 3 2 CAPITAL ADEQUACY 4 2.1 Composition of capital disclosure 5 3 RISK MANAGEMENT 9 3.1 Credit
More informationCapital Adequacy and Risk Management Report (Basel III Pillar 3 Disclosure)
Capital Adequacy and Risk Management Report (Basel III Pillar 3 Disclosure) as at 30 th June 2015 Issued October 2015 Capital Adequacy and Risk Management Report as at 30 th June 2015 Page 2 TABLE OF CONTENTS
More informationBANK ALBILAD (A Saudi Joint Stock Company)
UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE-MONTHS PERIOD ENDED MARCH 31, 2015 INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 31, 2015 SAR 000 (Unaudited)
More informationAL RAJHI BANKING AND INVESTMENT CORPORATION (SAUDI JOINT STOCK COMPANY)
AL RAJHI BANKING AND INVESTMENT CORPORATION INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) FOR THE THREE MONTHS PERIOD ENDED MARCH 31, INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
More informationSamba Financial Group Basel III - Pillar 3 Disclosure Report. June 2018 PUBLIC
Basel III - Pillar 3 Disclosure Report June 2018 Basel III - Pillar 3 Disclosure Report as at June 30, 2018 Page 1 of 19 Table of Contents Capital Structure Page Statement of financial position - Step
More informationAL RAJHI BANKING AND INVESTMENT CORPORATION (A SAUDI JOINT STOCK COMPANY)
AL RAJHI BANKING AND INVESTMENT CORPORATION INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) FOR THE THREE-MONTH AND SIX-MONTH PERIODS ENDED 30 JUNE 2016 INTERIM CONDENSED CONSOLIDATED FINANCIAL
More informationBank AlBilad (A Saudi Joint Stock Company) UNAUDITED INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE-MONTH PERIOD ENDED MARCH 31, 2009
Bank AlBilad UNAUDITED INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE-MONTH PERIOD ENDED MARCH 31, 2009 BANK ALBILAD CONSOLIDATED STATEMENT OF FINANCIAL POSITION ASSETS March December March 31,
More informationSAMBA FINANCIAL GROUP INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND AUDITORS' REVIEW REPORT
SAMBA FINANCIAL GROUP INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND AUDITORS' REVIEW REPORT FOR THE SIX MONTH PERIOD ENDED JUNE 30, 2013 SAMBA FINANCIAL GROUP Page 3 STATEMENTS OF CONSOLIDATED
More informationTHE SAUDI INVESTMENT BANK (A Saudi joint stock company)
INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS For the six month period ended June 30, 2015 (Unaudited) INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION ASSETS June 30, Dec. 31, June
More informationCapital Adequacy and Risk Management Report (Basel III Pillar 3 Disclosure)
Capital Adequacy and Risk Management Report (Basel III Pillar 3 Disclosure) as at 31 st December 2013 Issued March 2014 Capital Adequacy and Risk Management Report as at 31 st December 2013 Page 2 TABLE
More informationAhli United Bank B.S.C. Pillar III Disclosures - Basel III. 30 June 2018
] Six month ended (Unaudited) Table 1 Capital structure. 2 Table 2 Gross credit risk exposures.. 3 Table 3 Risk weighted exposures. 4 Table 4 Geographic distribution of gross credit exposures 5 Table 5
More informationBANK ALJAZIRA (A Saudi Joint Stock Company) CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED DECEMBER 31, 2017 AND AUDITORS REPORT
BANK ALJAZIRA CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED DECEMBER 31, AND AUDITORS REPORT ENDED DECEMBER 31, 1. GENERAL These financial statements comprise the financial statements
More informationTotal assets 216,533, ,589, ,405,426
INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION 31 March 2015 31 December 2014 31 March 2014 (Unaudited) (Audited) (Unaudited) Note SAR'000 SAR'000 SAR'000 ASSETS Cash and balances with
More informationBAHRAIN DEVELOPMENT BANK B.S.C. (c) Basel II Pillar III Disclosures For the year ended 31-Dec-13
For the year ended 31-Dec-13 Table 1 Capital structure 3 Table 2 Capital requirement for credit risk 5 Table 3 Capital requirement for market risk 5 Table 4 Capital requirement for operational risk 5 Table
More informationSAMBA FINANCIAL GROUP
INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE MONTH PERIOD ENDED September 30, 2017 INTERIM STATEMENTS OF CONSOLIDATED COMPREHENSIVE INCOME Three months ended Nine months ended Sep
More informationBasel III Pillar III. Qualitative & Quantitative Disclosures. December 31, 2017
Basel III Pillar III Qualitative & Quantitative Disclosures December 31, 2017 OVA: Bank risk management approach a) Business model determination and risk profile: The name of the top corporate entity in
More informationBANK ALBILAD (A Saudi Joint Stock Company)
UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE-MONTHS PERIOD ENDED SEPTEMBER 30, 2015 INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 30, 2015 (Unaudited) December
More informationFor the main features of capital structure of the Company, please refer to Annex Note1.2.1
1 CAPITAL ADEQUACY 1.1 Scope of application The Basel III framework has been applied in accordance with BPRD Circular No. 6, dated 15 August, 2013. The Standardized Approach is used for calculating the
More informationHuntington Bancshares Incorporated. Basel III Regulatory Capital Disclosures December 31, 2017
Disclosures Disclosures Glossary of Acronyms Acronym AFS ALLL C&I CAP CRE EAD GAAP HTM HVCRE ISDA MD&A MDB OTC PFE PSE RWA SPE SSFA T-Bill T-Bond T-Note VIE Description Available For Sale Allowance for
More informationCapital Adequacy and Risk Management Report (Basel II Pillar 3 Disclosure) as at 31 st December 2010
Capital Adequacy and Risk Management Report (Basel II Pillar 3 Disclosure) as at 31 st December 2010 Issued March 2011 TABLE OF CONTENTS 1. Executive Summary... 3 2. Background... 4 3. Basel II Components...
More information2,742,711 2,543, ,964 79,837 Multilateral Development Banks Insurance Companies, Securities Firms and Fund Managers
(Incorporated in Malaysia) and its subsidiaries Basel ll Pillar 3 Report for the Financial Period ended 30 June 2016 Domiciled in Malaysia Registered office: Level 18, Menara IMC No. 8 Jalan Sultan Ismail
More informationTHE SAUDI INVESTMENT BANK (A Saudi joint stock company)
INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS For the three month and six month periods ended (Unaudited) INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION ASSETS December 31, Notes
More informationBNP PARIBAS BANGKOK BRANCH 30 JUNE 2015
PILLAR 3 30 JUNE 2015 REGULATOR : Bank of Thailand VALIDATION DATE : July 2015 Page 1 of 15 Index Page 1. Capital Structure 4 2. Capital adequacy 5 3. Risk Management 5 4. Credit risk disclosures 6 5.
More informationSamba Financial Group Basel III - Pillar 3 Disclosure Report. December 2016 PUBLIC
Basel III - Pillar 3 Disclosure Report December 2016 Basel III - Pillar 3 Disclosure Report as at December 31, 2016 Page 1 of 28 Table of contents Page 1. Executive summary 2 2. Introduction 2.1. Group
More informationSAUDI ENAYA COOPERATIVE INSURANCE COMPANY (A SAUDI JOINT STOCK COMPANY)
FINANCIAL STATEMENTS AND INDEPENDENT AUDITORS REPORT FOR THE YEAR ENDED 31 DECEMBER 2015 FINANCIAL STATEMENTS AND INDEPENDENT AUDITORS REPORT FOR THE YEAR ENDED 31 DECEMBER 2015 INDEX PAGE Independent
More informationDisclosure under Basel II Pillar III
Disclosure under Basel II Pillar III Purpose of disclosure: The Notification of the Bank of Thailand No: SorNorSor. 4/2556 dated 02 May 2013, Re: Disclosure of Information on Capital Fund Maintenance for
More informationBAHRAIN DEVELOPMENT BANK B.S.C. (c) Basel III Pillar III Disclosures For the year ended 31 December 2016
For the year ended 31 December For the year ended 31 December Table 1 Capital structure 3 Table 2 Capital requirement for credit risk 5 Table 3 Capital requirement for market risk 5 Table 4 Capital requirement
More informationSAMBA FINANCIAL GROUP
INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTH PERIOD ENDED June 30, 2016 STATEMENTS OF CONSOLIDATED COMPREHENSIVE INCOME Three months ended Six months ended Jun 30, 2016 Jun
More informationCHIEF EXECUTIVE OFFICER'S ATTESTATION
HSBC BANK MALAYSIA BERHAD (Company No.) (Incorporated in Malaysia) Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Disclosures at 31 December 2017 CHIEF EXECUTIVE OFFICER'S ATTESTATION I,
More informationAL SALAM BANK-BAHRAIN B.S.C. BASEL III - PILLAR III DISCLOSURES 30 June 2017
AL SALAM BANKBAHRAIN B.S.C. BASEL III PILLAR III DISCLOSURES AL SALAM BANKBAHRAIN B.S.C. BASEL III PILLAR III DISCLOSURES Table of Contents 1 Introduction 3 2 Financial Performance and Position 3 3 Capital
More informationيونيو 2008 م. Capital Adequacy and Risk Management Report (Basel II Pillar 3) as at 30 th June 2008
تقرير ملاءة رأس المال وإدارة منح المخاطر يونيو 2008 م Capital Adequacy and (Basel II Pillar 3) as at 30 th June 2008 September 2008 Page 2 TABLE OF CONTENTS 1. Executive Summary... 4 2. Background...5
More informationCHIEF EXECUTIVE OFFICER'S ATTESTATION
HSBC BANK MALAYSIA BERHAD (Company No.) (Incorporated in Malaysia) Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Disclosures at 31 December 2016 CHIEF EXECUTIVE OFFICER'S ATTESTATION I,
More informationBANQUE SAUDI FRANSI. Revised Basel III Pillar 3 Qualitative & Quantitative Disclosures. 31 December 2016
BANQUE SAUDI FRANSI Revised Basel III Pillar 3 Qualitative & Quantitative Disclosures 31 December 2016 Revised Basel III Pillar 3 Qualitative & Quantitative Disclosures - 31 December 2016 Tables and templates
More informationDisclosure in terms of Regulation 43 relating to banks, issued under section 90 of the Banks Act, No. 94 of 1990, as amended.
Mercantile Bank Holdings Limited and its subsidiaries ( the Group ) unaudited bi-annual disclosure as at (incorporating quarterly disclosure) Disclosure in terms of Regulation 43 relating to banks, issued
More informationBank AlBilad (A Saudi Joint Stock Company) UNAUDITED INTERIM CONDENSED
Bank AlBilad UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE AND SIX-MONTH PERIODS ENDED JUNE 30, 2009 AND 2008 CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT JUNE 30, 2009
More informationPillar 3 Disclosure Statement
ALJAZIRA CAPITAL COMPANY (A Closed Saudi Joint Stock Company) Pillar 3 Disclosure Statement As at 31 December 2015 1 TABLE OF CONTENTS 1. INTRODUCTION... 3 2. CAPITAL STRUCTURE... 3 3. CAPITAL ADEQUACY...
More informationBANK ALBILAD (A Saudi Joint Stock Company)
UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 30, 2017 SAR 000 (Unaudited) December 31, 2016 SAR 000 (Audited) (Restated) 30,
More informationBNP PARIBAS BANGKOK BRANCH 30 JUNE 2014
PILLAR 3 30 JUNE 2014 REGULATOR : Bank of Thailand VALIDATION DATE : 19 August 2014 Page 1 of 15 Index Page 1. Capital Structure 4 2. Capital adequacy 5 3. Risk Management 5 4. Credit risk disclosures
More informationAL RAJHI BANKING AND INVESTMENT CORPORATION (A SAUDI JOINT STOCK COMPANY)
AL RAJHI BANKING AND INVESTMENT CORPORATION INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) FOR THE THREE- MONTH PERIOD ENDED 31 MARCH 2017 STATEMENTS (UNAUDITED) 1. GENERAL Al
More informationRIYAD BANK INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION
INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION 31 March 2016 31 December 2015 31 March 2015 Notes SAR'000 SAR'000 SAR'000 ASSETS Cash and balances with SAMA 18,177,347 20,569,929 21,197,627
More informationIntroduction. Scope of Application
Contents Introduction... 1 Scope of Application... 1 1. Capital Structure and Capital Adequacy... 2 1.1 Capital Structure... 2 1.2 Capital Adequacy... 3 2. Information Related to the Risks... 13 2.1 Credit
More informationAl Baraka Islamic Bank B.S.C. (c) Basel III, Pillar III Disclosures. 30 June 2017
30 June 2017 Content Page 1 INTRODUCTION 3 2 CAPITAL ADEQUACY 3 3 RISK MANAGEMENT a) Credit risk 8 b) Market risk 19 c) Equity of Investment Accountholders 23 d) Off-balance sheet equity of Investment
More informationAL RAJHI BANKING AND INVESTMENT CORPORATION (A SAUDI JOINT STOCK COMPANY) NOTES TO THE INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
STATEMENTS (UNAUDITED) 1. GENERAL Al Rajhi Banking and Investment Corporation (the Bank ), a Saudi Joint Stock Company, was formed and licensed pursuant to Royal Decree No. M/59 dated 3 Dhul Qada 1407H
More informationRHB Investment Bank Berhad Basel II Pillar 3 Quantitative Disclosures. 30 June 2017
RHB Investment Bank Berhad Basel II Pillar 3 Quantitative Disclosures 30 June 2017 Contents Page(s) Statement by Chief Executive Officer 2 Introduction 3 Scope of Application 3 List of Tables Table No
More informationPillar III Disclosures
Pillar III Disclosures As on 31 December 216 1. 1.1. 1.2. 1.3. 2. 2.1. 2.2. 3. 3.1. 3.2. 3.3. 4. 4.1. 4.2. 4.2.1. 4.3. 4.4. 4.4.1. 4.4.2. 4.5. 5. 5.1. 5.2. 5.3. 5.4. 5.5. 5.6. 5.7. 5.8. 6. 6.1. 6.2. 7.
More informationINTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION
INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION ASSETS Note 31 March 2011 31 December 31 March (Audited) Cash and balances with SAMA 19,334,388 23,178,560 22,153,181 Due from banks and other
More informationINTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION
INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes SAR'000 SAR'000 SAR'000 ASSETS Cash and balances with SAMA 18,711,233 23,178,560 17,199,074 Due from banks and other financial institutions
More informationBANK ALBILAD (A Saudi Joint Stock Company)
UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE-MONTHS PERIOD ENDED SEPTEMBER 30, 2016 INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION Notes 30, 2016 SAR 000 (Unaudited)
More informationAL SALAM BANK-BAHRAIN B.S.C. BASEL II - PILLAR III DISCLOSURES 30 June 2012
AL SALAM BANKBAHRAIN B.S.C. BASEL II PILLAR III DISCLOSURES AL SALAM BANKBAHRAIN B.S.C. BASEL II PILLAR III DISCLOSURES Table of contents 1 Introduction 3 2 Financial performance and position 3 3 Capital
More informationBasel III Pillar III Disclosure. (For the six month period ended 30 June 2016)
Basel III Pillar III Disclosure (For the six month period ended 30 June 2016) 1 Table No. Content Page no. 1. Statement of financial position under the Regulatory Scope of Consolidation 3 2. Capital Ratios
More informationALBILAD INVESTMENT COMPANY (A Limited Liability Company) FINANCIAL STATEMENTS AND INDEPENDENT AUDITOR S REPORT FOR THE YEAR ENDED DECEMBER 31, 2016
FINANCIAL STATEMENTS AND INDEPENDENT AUDITOR S REPORT FOR THE YEAR ENDED DECEMBER 31, 2016 Financial statements for the year ended December 31, 2016 Pages Independent auditor s report 1 Balance sheet 2
More informationBASEL III PILLAR III DISCLOSURES 30 JUNE 2016
BASEL III PILLAR III DISCLOSURES 30 JUNE 2016 AAIB-Sensitive Page 1 Table of Contents 1 Introduction 3 2 Corporate Structure 3 3 Capital Structure 4 4 Capital Adequacy Ratio (CAR) 4 5 Profile of risk weighted
More informationAl Baraka Islamic Bank B.S.C. (c) Basel III, Pillar III Disclosures. 31 December 2016
Al Baraka Islamic Bank B.S.C. (c) 31 December 2016 Al Baraka Islamic Bank B.S.C. (c) Content Page 1 INTRODUCTION 3 2 CAPITAL ADEQUACY 3 3 RISK MANAGEMENT a) Credit risk 8 b) Market risk 17 c) Equity of
More informationHuntington Bancshares Incorporated. Basel III Regulatory Capital Disclosures March 31, 2015
March 31, 2015 Glossary of Acronyms Acronym AFS ALLL C&I CAP CRE EAD GAAP HTM HVCRE ISDA MD&A MDB OTC PSE RWA SSFA T-Bill T-Bond T-Note VIE Description Available For Sale Allowance for Loan and Lease Losses
More informationSecure Trust Bank PLC. Pillar 3 disclosures for the period ended 30 June 2018
Contents Page 1. Overview 2 2. Overview of Key Prudential Metrics and RWA 4 3. Composition of Capital 7 4. Macro-Prudential Supervisory Measures 10 5. Credit Risk 10 6. Counterparty Credit Risk 12 7. Securitisation
More informationHuntington Bancshares Incorporated. Basel III Regulatory Capital Disclosures March 31, 2016
Huntington Bancshares Incorporated March 31, 2016 Glossary of Acronyms Acronym AFS ALLL C&I CAP CRE EAD GAAP HTM HVCRE ISDA MD&A MDB OTC PFE PSE RWA SSFA T-Bill T-Bond T-Note VIE Description Available
More informationBNP PARIBAS BANGKOK BRANCH 30 JUNE 2013
30 JUNE 2013 REGULATOR : Bank of Thailand VALIDATION DATE : 30 September 2013 Page 1 of 15 Index Page 1. Capital Structure 4 2. Capital adequacy 5 3. Risk Management 5 4. Credit risk disclosures 6 5. Market
More informationHuntington Bancshares Incorporated. Basel III Regulatory Capital Disclosures June 30, 2015
June 30, 2015 Glossary of Acronyms Acronym AFS ALLL C&I CAP CRE EAD GAAP HTM HVCRE ISDA MD&A MDB OTC PSE RWA SSFA T-Bill T-Bond T-Note VIE Description Available For Sale Allowance for Loan and Lease Losses
More informationPILLAR III DISCLOSURE OF ALOULA GEOJIT CAPITAL FOR THE YEAR ENDED
PILLAR III DISCLOSURE OF ALOULA GEOJIT CAPITAL FOR THE YEAR ENDED 31.12.2017 March 2018 Table of Contents 1 OVERVIEW... 3 2 SPECIFIC DISCLOSURE... 3 2.1 SCOPE OF APPLICATION... 3 2.2 CAPITAL STRUCTURE...
More information