foreign banks in the united arab emirates banks137514220150805181311.pdfforeign banks 199 emirates...

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198äGQÉ``eE’G ±QÉ``°üe á``«©ªL ( 2011 - 2010) IóëàŸG á«Hô©dG äGQÉeE’G ádhO ‘ ±QÉ°ü`ª∏d ‹ÉŸG ™°VƒdG

IóëàŸG á«Hô©dG äGQÉe’G ádhO ‘ á«ÑæL’G ±QÉ°üŸGFOREIGN BANKS IN THE UNITED ARAB EMIRATES

∫É`````````ŸG ¢SCGQ IAÓ```````e áÑ````````°ùf Ö```````°ùM á``````ÑJôeRANKING BY CAPITAL ADEQUACY RATIO

In Thousands Of AED º````gGQódG ±’BÉH

2010(%)

1 JANATA BANK LIMITED 66.00 ó«àª«d ∂æH ÉJÉæL 1

2 BANK MELLI IRAN 59.79 ¿GôjG »∏e ∂æH 2

3 LLOYDS TSB BANK PLC 32.76 ∂æH »H ¢SG »J Rójƒd 3

4 NATIONAL BANK OF BAHRAIN P.S.C. 30.23 ´.Ω.¢T »æWƒdG øjôëÑdG ∂æH 4

5 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK 29.20 QÉªãà°S’Gh πjƒªàdG ∂æH ∫ƒμjôLCG âjójôc 5

6 THE ROYAL BANK OF SCOTLAND N.V. 28.78 .‘ .¿G ófÓJƒμ°S ±hG ∂æH ∫ÉjhQ 6

7 HABIB BANK LIMITED 28.54 OhóëŸG ∂æH Ö«ÑM 7

8 BLOM BANK FRANCE S.A 28.00 Ω.¢T É°ùfôa ∂æH Ωƒ∏H 8

9 BANQUE MISR 26.66 ô°üe ∂æH 9

10 HABIB BANK AG ZURICH 24.70 ïjQƒjR .»L. …CG ∂æH Ö«ÑM 10

11 BANQUE LIBANAISE POUR LE COMMERCE (FRANCE) S.A. 24.68 .Ω.¢T ( É°ùfôa ) IQÉéà∏d ÊÉæÑ∏dG ∂æÑdG 11

12 DOHA BANK 23.36 áMhódG ∂æH 12

13 AL AHLI BANK OF KUWAIT K.S.C. 23.00 .∑.Ω.¢T »àjƒμdG »∏g’G ∂æÑdG 13

14 NATIONAL BANK OF OMAN S.A.O.G. 21.57 .´.´.Ω.¢T ÊÉª©dG »æWƒdG ∂æÑdG 14

15 SAMBA FINANCIAL GROUP 20.90 á«dÉŸG ÉÑeÉ°S áYƒª› 15

16 BNP PARIBAS 18.27 ÉÑjQÉH .»H.¿CG.»H 16

17 EL NILEIN BANK 17.00 Ú∏«ædG ∂æH 17

18 BARCLAYS BANK PLC. 16.51 .Ω.´.¢T õ«∏cQÉH ∂æH 18

19 BANK SADERAT IRAN 15.12 ¿GôjG äGQOÉ°U ∂æH 19

20 NATIONAL BANK OF KUWAIT 15.00 »æWƒdG âjƒμdG ∂æH 20

21 UNITED BANK LIMITED 14.80 óàª«d ∂æH óàjÉfƒj 21

22 STANDARD CHARTERED BANK 14.54 ∂æH OôJQÉ°ûJ OQófÉà°S 22

23 ARAB BANK PLC. 14.47 .´.Ω.¢T »Hô©dG ∂æÑdG 23

24 HSBC BANK MIDDLE EAST LIMITED 14.42 §°Sh’G ¥ô°ûdG .»°S.»H.¢SG.¢ûJG ∂æH 24

25 BANK OF BARODA 13.78 GOhôH ∂æH 25

26 ARAB AFRICAN INTERNATIONAL BANK 13.35 ‹hódG »≤jôa’G »Hô©dG ∂æÑdG 26

27 CITIBANK N.A. 13.08 .…CG.¿CG ∂æH »à«°S 27

28 RAFIDAIN BANK * øjóaGôdG ±ô°üe ٢٨

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199EMIRATES BANKS ASSOCIATION Financial Position of Banks in the U.A.E. (2010 - 2011)


äGOƒLƒŸG ‹ÉªLG Ö`°ùM áÑJôeRANKING BY TOTAL ASSETS


2011

1 HSBC BANK MIDDLE EAST LIMITED 108,341,309 §°Sh’G ¥ô°ûdG .»°S.»H.¢SG.¢ûJG ∂æH 1

2 STANDARD CHARTERED BANK 82,345,906 ∂æH OôJQÉ°ûJ OQófÉà°S 2

3 CITIBANK N.A. 24,871,687 .…CG.¿CG ∂æH »à«°S 3

4 BANK SADERAT IRAN 24,109,318 ¿GôjG äGQOÉ°U ∂æH 4

5 BANK OF BARODA 19,596,531 GOhôH ∂æH 5

6 BANK MELLI IRAN 17,966,574 ¿GôjG »∏e ∂æH 6

7 BARCLAYS BANK PLC. 17,044,679 .Ω.´.¢T õ«∏cQÉH ∂æH 7

8 ARAB BANK PLC. 10,783,731 .´.Ω.¢T »Hô©dG ∂æÑdG 8

9 HABIB BANK AG ZURICH 9,738,933 ïjQƒjR .»L.…CG ∂æH Ö«ÑM 9

10 SAMBA FINANCIAL GROUP 6,639,450 á«dÉŸG ÉÑeÉ°S áYƒª› 10

11 BNP PARIBAS 5,795,357 ÉÑjQÉH .»H.¿CG.»H 11

12 THE ROYAL BANK OF SCOTLAND N.V. 5,346,523 .‘ .¿G ófÓJƒμ°S ±hG ∂æH ∫ÉjhQ 12

13 LLOYDS TSB BANK PLC. 4,929,435 »°S.∫G.»H ∂æH »H ¢SG »J Rójƒd 13

14 UNITED BANK LIMITED 3,932,101 óà«ª«d ∂æH óàjÉfƒj 14

15 AL AHLI BANK OF KUWAIT K.S.C. 2,804,359 .∑.Ω.¢T »àjƒμdG »∏g’G ∂æÑdG 15

16 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK 2,659,505 QÉªãà°S’Gh πjƒªàdG ∂æH - ∫ƒμjôLCG …ójôc 16

17 NATIONAL BANK OF KUWAIT 2,591,905 »æWƒdG âjƒμdG ∂æH 17

18 BLOM BANK FRANCE S.A 2,249,177 Ω.¢T É°ùfôa ∂æH Ωƒ∏H 18

19 AL KHALIJI (FRANCE) S.A. 1,893,630 ¬jG. ¢SG É°ùfôa - »é«∏ÿG 19

20 ARAB AFRICAN INTERNATIONAL BANK 1,788,126 ‹hódG »≤jôa’G »Hô©dG ∂æÑdG 20

21 HABIB BANK LIMITED 1,616,734 OhóëŸG ∂æH Ö«ÑM 21

22 DOHA BANK 1,428,535 áMhódG ∂æH 22

23 BANQUE MISR 1,023,133 ô°üe ∂æH 23

24 NATIONAL BANK OF BAHRAIN B.S.C. 751,005 .Ü.Ω.¢T »æWƒdG øjôëÑdG ∂æH 24

25 NATIONAL BANK OF OMAN S.A.O.G. 569,473 .´.´.Ω.¢T ÊÉª©dG »æWƒdG ∂æÑdG 25

26 JANATA BANK LIMITED 466,366 ó«àª«d ∂æH ÉJÉæL 26

27 EL NELEIN BANK 243,544 Ú∏«ædG ∂æH 27

28 RAFIDAIN BANK * øjóaGôdG ±ô°üe 28


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™````````FGOƒdG Ö````````°ùM áÑJôe RANKING BY DEPOSITS


2011

1 HSBC BANK MIDDLE EAST LIMITED 78,604,845 §°Sh’G ¥ô°ûdG .»°S.»H.¢SG.¢ûJG ∂æH 1






7 BARCLAYS BANK PLC. 6,410,882 .Ω.´.¢T õ«∏cQÉH ∂æH 7



10 BNP PARIBAS 3,779,086 ÉÑjQÉH .»H.¿CG.»H 10

11 LLOYDS TSB BANK PLC. 3,731,295 »°S.∫G.»H ∂æH.»H.¢SG.»J Rójƒd 11

12 THE ROYAL BANK OF SCOTLAND N.V. 3,645,431 .‘ .¿G ófÓJƒμ°S ±hG ∂æH ∫ÉjhQ 12



15 CREDIT AGRICOLE CORPORATE& INVESTMENT BANK 1,710,636 QÉªãà°S’Gh πjƒªàdG ∂æH - ∫ƒμjôLCG …ójôc 15

16 BLOM BANK FRANCE S.A 1,569,530 Ω.¢T É°ùfôa ∂æH Ωƒ∏H 16

17 HABIB BANK LIMITED 1,300,716 OhóëŸG ∂æH Ö«ÑM 17

18 SAMBA FINANCIAL GROUP 1,146,337 á«dÉŸG ÉÑeÉ°S áYƒª› 18

19 NATIONAL BANK OF KUWAIT 1,126,907 »æWƒdG âjƒμdG ∂æH 19


21 AL KHALIJI (FRANCE) S. A. 1,071,561 ¬jCG-¢SCG É°ùfôa - »é«∏ÿG 21

22 DOHA BANK 651269 áMhódG ∂æH 22

23 BANQUE MISR 532,163 ô°üe ∂æH 23





28 RAFIDAIN BANK * øjóaGôdG ∂æH 28



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¢Vhô≤dG Ö`````°ùM áÑJôe RANKING BY LOANS


2011

1 HSBC BANK MIDDLE EAST LIMITED 54,627,250 OhóëŸG §°Sh’G ¥ô°ûdG .»°S.»H.¢SG.¢ûJG ∂æH 1



4 BARCLAYS BANK PLC. 9,765,859 .´.Ω.¢T õ«∏cQÉH ∂æH 4




8 SAMABA FINANCIAL GROUP 5,414,547 á«dÉŸG ÉÑeÉ°S áYƒª› 8


10 BNP PARIBAS 3,717,681 ÉÑjQÉH.»H.¿CG.»H 10



13 LLOYDS TSB BANK PLC. 2,103,668 »°S.∫G.»H ∂æH »H ¢SG »J Rójƒd 13



16 AL KHALIJI (FRANCE) S.A. 1,063,590 ¬jCG.¢SCG É°ùfôa - »é«∏ÿG 16

17 DOHA BANK 1,038,351 áMhódG ∂æH 17

18 THE ROYAL BANK OF SCOTLAND N.V. 923,300 .‘ .¿G ófÓJƒμ°S ±hG ∂æH ∫ÉjhQ 18

19 NATIONAL BANK OF KUWAIT 855,032 »æWƒdG âjƒμdG ∂æH 19

20 BLOM BANK FRANCE S.A 800,934 É°ùfôa - ∂æH Ωƒ∏H 20

21 HABIB BANK LIMITED 593,843 OhóëŸG ∂æH Ö«ÑM 21


23 BANQUE MISR 478,147 ô°üe ∂æH 23

24 CREDIT AGICOLE CORPORATE & INVESTMENT BANK 466,527 QÉªãà°S’Gh πjƒªàdG ∂æH - ∫ƒμjôLCG …ójôc 24







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áÑjô°†dG πÑb íHôdG ‘É°U Ö°ùM áÑJôeRANKING BY NET PROFIT B.TAX


2011

1 HSBC BANK MIDDLE EAST LIMITED 1,917,813 §°Sh’G ¥ô°ûdG »°S.»H.¢SG.¢ûJG ∂æH 1



4 BANK SADERAT IRAN 864,752 ¿GôjG äGQOÉ°U ∂æH 4

5 CITIBANK N.A. 671,059 .…CG.¿CG ∂æH »à«°S 5

6 BANK OF BARODA 407,612 GOhôH ∂æH 6

7 HABIB BANK AG ZURICH 183,011 ïjQƒjR .»L.…CG ∂æH Ö«ÑM 7

8 BNP PARIBAS 167,981 ÉÑjQÉH.»H.¿CG.»H 8

9 ARAB BANK PLC. 151,971 .´.Ω.¢T »Hô©dG ∂æÑdG 9

10 SAMBA FINANCIAL GROUP 97,128 á«dÉŸG ÉÑeÉ°S áYƒª› 10

11 AL AHLI BANK OF KUWAIT 93,540 .∑.Ω.¢T »àjƒμdG »∏g’G ∂æÑdG 11

12 THE ROYAL BANK OF SCOTLAND N.V. 86,654 .‘ .¿G ófÓJƒμ°S ±hG ∂æH ∫ÉjhQ 12

13 AL KHALIJI (FRANCE) S.A. 61,735 ¬jG.¢SCG É°ùfôa - »é«∏ÿG 13

14 ARAB AFRICAN INTERNATIONAL BANK 54,253 ‹hódG »≤jôa’G »Hô©dG ∂æÑdG 14

15 BLOM BANK FRANCE S.A 49,572 Ω.¢T É°ùfôa ∂æH Ωƒ∏H 15

16 BARCLAYS BANK PLC. 44,698 .Ω.´.¢T õ«∏cQÉH ∂æH 16

17 UNITED BANK LIMITED 39,137 óà«ª«d ∂æH óàjÉfƒj 17

18 DOHA BANK 16,004 áMhódG ∂æH 18

19 CREDIT AGRICOLE - CORPORATE AND INVESTMENT BANK 12,261 QÉªãà°S’Gh πjƒªàdG ∂æH - ∫ƒμjôLCG …ójôc 19

20 HABIB BANK LIMITED 10,287 OhóëŸG ∂æH Ö«ÑM 20


22 NATIONAL BANK OF KUWAIT 9,426 »æWƒdG âjƒμdG ∂æH 22




26 BANQUE MISR 155 ô°üe ∂æH 26


28 LLOYDS TSB BANK PLC -158,159 .»°S.∫G.»H ∂æH.»H.¢SG.»J Rójƒd 28


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á©`````ªéŸG á«````````eƒª©dG á````````````«fGõ«ŸGAGGREGATED BALANCE SHEET


ASSETS 2010 2011 النمو % Growth

äGOƒLƒŸG

Cash & deposit with central bank 50,821,614 60,899,376 19.83 …õcôŸG ±ô°üŸG iód Ió°UQCGh ó≤f

Due from banks 35,645,217 50,634,063 42.05 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh

Due from head office & banks abroad 53,531,877 50,172,667 -6.28 êQÉÿG ‘ ´hôØdGh »°ù«FôdG õcôŸG øe Üƒ∏£e

Investments 15,262,688 10,340,184 -32.25 äGQÉªãà°SG

Loans and advances 156,705,998 167,605,881 6.96 ∞∏°ùdGh ¢Vhô≤dG

Fixed assets 1,574,874 1,119,402 -28.92 áàHÉK äGOƒLƒe

Other assets 17,027,236 20,755,453 21.90 iôNCG äGOƒLƒe

Total assets 330,569,504 361,527,026 9.36 äGOƒLƒŸG ‹ÉªLG

Liabilities äÉHƒ∏£ŸG

Customers› deposits 196,462,675 215,182,096 9.53 AÓª©dG ™FGOh

Due to banks 26,959,485 32,786,254 21.61 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh

Due to head office & banks abroad 41,470,349 39,029,643 -5.89 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e

Other liabilities 26,954,210 32,310,953 19.87 iôNCG äÉHƒ∏£e

Long-term loans 5,852,757 6,152,686 5.12 πLC’G á∏jƒW ¢Vhôb

Total liabilities 297,883,126 325,461,632 9.26 äÉHƒ∏£ŸG ‹ÉªLG

Shareholders› funds ÚªgÉ°ùŸG ¥ƒ≤M

Paid up capital 15,300,530 16,489,985 7.77 ´ƒaóŸG ∫ÉŸG ¢SCGQ

Legal reserves 3,345,096 3,816,142 14.08 ÊƒfÉb »WÉ«àMG

Other reserves 223,036 207,529 -6.95 iôNCG äÉ«WÉ«àMG

Retained earnings 13,819,498 15,557,495 12.58 IQhóe ìÉHQCG

Cumulative transaction adjustment (1,782) (5,757) 223.06 áªcGÎe äÓjó©J

Total shareholders› funds 32,686,378 36,065,394 10.34 ÚªgÉ°ùŸG ¥ƒ≤M ´ƒª›

Total liabilities & shareholders› funds 330,569,504 361,527,026 9.36 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG

CONTRA ACCOUNTS á«eÉ¶ædG äÉHÉ°ù◊G


2010 2011 النمو % Growth

Letters of credit 28,125,610 27,029,404 -3.90 ájóæà°ùŸG äGOÉªàY’G

Guarantees & acceptances 89,316,219 87,609,713 -1.91 ä’ƒÑ≤dGh äÉfÉª°†dG

Others 660,930,269 647,732,158 -2.00 iôNCG

Total contra accounts 778,372,098 762,371,275 -2.06 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›


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á©ª```````éŸG ôFÉ``````°ùÿGh ìÉ``````````HQ’G ¿É``````````«HAGGREGATED PROFIT & LOSS STATEMENT


النمو % 2011 2010Growth

Interest income 12,514,729 13,258,851 5.95 áæFGódG óFGƒØdG

Interest expenses (3,277,852) (3,475,683) 6.04 áæjóŸG óFGƒØdG

Net interest income 9,236,877 9,783,168 5.91 óFGƒØdG äGOGôjG ‘É°U

Other income 7,579,612 8,081,007 6.62 iôNC’G äGOGôj’G

Operating income 16,816,489 17,864,175 6.23 äÉ«∏ª©dG ìÉHQCG

General and administrative expenses (6,707,205) (6,651,759) -0.83 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG

Provision & other expenses (4,790,359) (3,983,974) -16.83 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG

Net profit before taxation 5,318,925 7,228,442 35.90 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (1,043,561) (1,509,860) 44.68 ÖFGô°†dG

Net profit for the year 4,275,364 5,718,582 33.76 áæ°ùdG ìÉHQCG ‘É°U

Retained earning bruoght forward 10,408,916 13,819,498 32.77 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG

Others 0 (33,194) 0.00 iôNCG

Profit available for appropriation 14,684,280 19,504,886 32.83 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G

Proposed appropriation ìÎ≤ŸG ™jRƒàdG

Legal reserves (345,337) (466,323) 35.03 ÊƒfÉb »WÉ«àMG

Other reserves (27,860) (3,340) -88.01 iôNCG äÉ«WÉ«àMG

Paid dividend 0 0 0.00 ™jRƒà∏d ìÉHQCG

Paid dividend to h.Office (311,946) (2,861,400) 817.27 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG

Others (179,639) (616,328) 243.09 iôNCG

Retained earnings carried forward 13,819,498 15,557,495 12.58 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG


AGGREGATED PROFIT & LOSS - FOREIGN BANKS á«ÑæLC’G ±QÉ°üª∏d á©ªéŸG ôFÉ°ùÿGh ìÉHQ’G

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á```````````eÉ``````````````g äGô```````````````°TDƒ```eIMPORTANT INDICATORS

Liquidity Indicators 2010 2011 ádƒ«°ùdG äGô°TDƒe

Loans & advances to total assets 47.40 % 46.36 % äGOƒLƒŸG ‹ÉªLG ¤G ∞∏°ùdGh ¢Vhô≤dG

Loans & advances to cus.Deposits 79.76 % 77.89 % AÓª©dG ™FGOh ¤G ∞∏°ùdGh ¢Vhô≤dG

Shareholders› funds to total assets 9.89 % 9.98 % äGOƒLƒŸG ‹ÉªLG ¤G ÚªgÉ°ùŸG ¥ƒ≤M

Cus.Deposits to total assets 59.43 % 59.52 % äGOƒLƒŸG ‹ÉªLG ¤G AÓª©dG ™FGOh

Capital Structure Indicators ∫ÉŸG ¢SGQ πμ«g äGô°TDƒe

Total liabilities to total assets 90.11 % 90.02 % äGOƒLƒŸG ‹ÉªLG ¤G äÉHƒ∏£ŸG ‹ÉªLG

Total liabilities to shareholders equity 911.34 % 902.42 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äÉHƒ∏£ŸG ‹ÉªLG

Loans & advances to shareholders› funds 479.42 % 464.73 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G ∞∏°ùdGh ¢Vhô≤dG

Total assets to shareholders equity 1011.34 % 1002.42 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äGOƒLƒŸG ‹ÉªLG

Profitability Indicators á«ëHôdG äGô°TDƒe

Return on assets 1.61 % 2.00 % äGOƒLƒŸG ‹ÉªLG ≈∏Y óFÉ©dG

Return on shareholders› funds 16.27 % 20.04 % ÚªgÉ°ùŸG ¥ƒ≤M ≈∏Y óFÉ©dG

Return on share capital 34.76 % 43.84 % ∫ÉŸG ¢SGQ ≈∏Y óFÉ©dG

Other Indicators iôNG äGô°TDƒe

Contra accounts to total assets 235.46 % 210.88 % äGOƒLƒŸG ‹ÉªLG ¤G á«eÉ¶ædG äÉHÉ°ù◊G

Contra accounts to loans & advances 496.71 % 454.86 % ∞∏°ùdGh ¢Vhô≤dG ¤G á«eÉ¶ædG äÉHÉ°ù◊G


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AGGREGATED BALANCE SHEET - FOREIGN BANK á«ÑæL’G ±QÉ°üª∏d á©ªéŸGá«eƒª©dG á«fGõ«ŸG


2011/12/31 ‘ »g Éªc ±ô°üŸG øY äÉeƒ∏©eBank’s Data as on - 31.12.2011

äGQÉeE’G ádhO ‘ ¢ù«°SCÉàdG ïjQÉJ1982Date of Establishment in UAE

äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG»ÑXƒHCGAbu DhabiHead Office in UAE

ójÈdG ¥hóæ°U º`````bQ46080P.O.Box

∞````JÉ````¡dG º`````bQ02/6335288Telephone No.

¢ùcÉØdG º`````bQ02/6333783Telefax No.

ÊhÎ```μdE’G ó`jÈdGâfÎf’G ≈∏Y ™bƒŸG

[email protected]

E-Mail :Website :

äGQÉe’G ádhO ‘ »ª«∏b’G ôjóŸG »£≤°ùŸG QOÉf/ ó«°ùdG

Mr. Nader K Al Maskati(Acting Abu Dhabi Branch Head)

Regional Manager in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TNBOBAEAASwift Code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’G

º°SÉ≤dG ø°ùM ˆGóÑY ¥GRôdGóÑY / ó«°ùdG …ò«ØæàdG ¢ù«FôdG

General Management (outside UAE) Mr. Abdul Razak Abdulla Hassan Al

Qassim

CEO

:¢ù«°SCÉàdG ïjQÉJ:á```````````````````æjóŸG:á```````````````````dhódG

1957Date of Establishment:City :State :

áeÉæŸGManama

øjôëÑdG áμ∏‡Kingdom of Bahrain

»æWƒdG øjôëÑdG ∂æH

NATIONAL BANK OF BAHRAIN B.S.C

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»æWƒdG øjôëÑdG ∂æHNATIONAL BANK OF BAHRAIN B.S.C

á«eƒª©dG á«f Gõ«ŸGBALANCE SHEET



äGOƒLƒŸG

Cash & deposit with uae central bank 112,905 24,492 -78.31 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f

Due from banks 14,537 8,485 -41.63 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh

Due from h.O & b.Abroad 114,115 208,563 82.77 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e

Securities - - 0.00 äGQÉªãà°SG

Loans, advances and overdraft 590,110 502,007 -14.93 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG

- - 0.00

Fixed assets 823 610 -25.88 áàHÉK äGOƒLƒe

Other assets 5,490 6,848 24.74 iôNCG äGOƒLƒe

Total assets 837,980 751,005 -10.38 äGOƒLƒŸG ‹ÉªLG


Customers› deposits 137,158 189,594 38.23 AÓª©dG ™FGOh

Due to banks - - 0.00 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh

Due to h.O. & B.Abroad 516,379 375,200 -27.34 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e

Other liabilities 2,682 2,956 10.22 iôNCG äÉHƒ∏£e

Long-term loans - - 0.00 πLC’G á∏jƒW ¢Vhôb

Total liabilities 656,219 567,750 -13.48 äÉHƒ∏£ŸG ‹ÉªLG

Shareholders› equity ÚªgÉ°ùŸG ¥ƒ≤M

Paid up capital 42,500 42,500 0.00 ´ƒaóŸG ∫ÉŸG ¢SCGQ

Legal reserves 14,446 14,595 1.03 ÊƒfÉb »WÉ«àMG

Other reserves - - 0.00 iôNCG äÉ«WÉ«àMG

Retained earnings 124,815 126,160 1.08 IQhóe ìÉHQCG

Total shareholders› equity 181,761 183,255 0.82 ÚªgÉ°ùŸG ¥ƒ≤M ´ƒª›

Total liabilities & shareholders› equity 837,980 751,005 -10.38 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG




Letters of credit 2,935 1,095 -62.69 ájóæà°ùŸG äGOÉªàY’G

Guarantees & acceptances 26,208 49,572 89.15 ä’ƒÑ≤dGh äÉfÉª°†dG

Others - - 0.00 iôNCG

Total contra accounts 29,143 50,667 73.86 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›

á``«Ñ

æLC’

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ôFÉ°ùÿGh ìÉHQC’G ¿É«HPROFIT & LOSS STATEMENT



Interest income 16,914 13,569 -19.78 áæFGódG óFGƒØdG

Interest expenses (5,517) (4,504) -18.36 áæjóŸG óFGƒØdG

Net interest income 11,397 9,065 -20.46 óFGƒØdG äGOGôjG ‘É°U

Other income 1,627 2,167 33.19 iôNC’G äGOGôj’G

Operating income 13,024 11,232 -13.76 äÉ«∏ª©dG ìÉHQCG

General and administrative expenses (8,498) (8,085) -4.86 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG

Provision & other expenses 0 (1,653) 0.00 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG

Net profit before taxation 4,526 1,494 -66.99 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation - - 0.00 ÖFGô°†dG

Net profit for the year 4,526 1,494 -66.99 áæ°ùdG ìÉHQCG ‘É°U

Retained earning bruoght forward 120,742 124,815 3.37 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG


Profit available for appropriation 125,268 126,309 0.83 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G


Legal reserves (453) (149) -67.11 ÊƒfÉb »WÉ«àMG


Paid dividend - - 0.00 ™jRƒà∏d ìÉHQCG

Paid dividend to h.Office - - 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG


Retained earnings carried forward 124,815 126,160 1.08 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG

Mill

ion

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ºgQ

O ¿ƒ

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NATIONAL BANK OF BAHRAIN B.S.C »æWƒdG øjôëÑdG ∂æH

10

8

6

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Fore

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Capital structure indicators ∫ÉŸG ¢SGQ πμ«g äGô°TDƒe





Profitability indicators á«ëHôdG äGô°TDƒe




Other indicators iôNG äGô°TDƒe




1.00

0.75

0.50

0.25

0.00


øjóaGôdG ±öüe

RAFIDAIN BANK


äGQÉeE’G ádhO ‘ ¢ù«°SCÉàdG ïjQÉJ1975 Date of Establishment in UAE



∞````JÉ````¡dG º`````bQ02-6335882Telephone No.

¢ùcÉØdG º`````bQ02-6336396Telefax No.

äGQÉe’G ádhO ‘ »ª«∏b’G ôjóŸG ÊÉ°ù◊G OƒÑY …ó¡e ídÉ°U ó«°ùdG

Mr. Saleh Mahdi Abood Al hassaniRegional Manager in UAE


á«bGô©dG ájQƒ¡ª÷G Iraq

General Management (outside UAE)



OGó¨HBaghdadá«bGô©dG ájQƒ¡ª÷GIraq



äGQÉeE’G ádhO ‘ ¢ù«°SCÉàdG ïjQÉJ02/11/1963Date of Establishment in UAE

äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG »ÑXƒHGAbu DhabiHead Office in UAE


∞````JÉ````¡dG º`````bQ02 - 6392225Telephone No.

¢ùcÉØdG º`````bQ02 - 6272433Telefax No.

ÊhÎ```μdE’G ó`jÈdGâfÎf’G ≈∏Y ™bƒŸGwww.arabbank.ae

E-Mail :Website :

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TARABAEADCTVSwift Code

äGQÉe’G ádhO ‘ »ª«∏b’G ôjóŸG…ô°üŸG óªfi ó«°ùdG

Mr. Mohammed Al MasriRegional Manager in UAE

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GاالردنJordanGeneral Management (outside UAE)

:¢ù«°SCÉàdG ïjQÉJ:á```````````````````æjóŸG

:á```````````````````dhódG

1930 ¢Só≤dGÚ£°ù∏a

1930JerusalemPalestine

Date of Establishment:City :State :

´.Ω.¢T »Hô©dG ∂æÑdG

ARAB BANK PLC

á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG


IóëàŸG á«Hô©dG äGQÉe’G ádhO ‘ ´hôØdGBranches in United Arab Emirates

´ôØdG º°SEGáæjóŸGÜ.¢U¢ùcÉa/¿ƒØ«∏J

Branch NameCityP.O.BoxTel/Fax

»ÑXƒHCG»ÑXƒHCG875

T : 02-6392225TF: 02-6212370 Abu DhabiAbu Dhabi

Ú©dGÚ©dG1212T : 03-7643415

TF: 03-7643553 Al AinAl Ain

»HO»HO11364T : 04-2950845

TF: 04-2955974 DubaiDubai

ójGR ï«°ûdG .¢T »HO1650T : 04-7090700

TF: 04-7090778 SHaik ZayedDubai

ábQÉ°ûdGábQÉ°ûdG130T : 06-5618999

TF: 06-5618887 SharjahSharjah

¿ÉªéY¿ÉªéY17T : 06-7422431

TF: 06-7426871 AjmanAjman

IÒéØdGIÒéØdG300T : 09-2222050

TF: 09-2224024 FujairahFujairah

áª«ÿG ¢SCGQáª«ÿG ¢SCGQ4972T : 07-2288437

TF: 07-2282337 Ras Al KhaimahRas Al Khaimah

´.Ω.¢T »Hô©dG ∂æÑdGARAB BANK PLC

Fore

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Bank

s






äGOƒLƒŸG

Cash & deposit with uae central bank 1,449,871 1,437,044 -0.88 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f


Due from h.O & b.Abroad 265,006 174,019 -34.33 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e

Securities 480,384 280,160 -41.68 äGQÉªãà°SG

Loans, advances and overdraft 6,426,529 5,891,542 -8.32 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG

Fixed assets 21,164 19,169 -9.43 áàHÉK äGOƒLƒe

Other assets 163,242 124,896 -23.49 iôNCG äGOƒLƒe

Total assets 10,805,187 10,783,731 -0.20 äGOƒLƒŸG ‹ÉªLG



Due to banks 1,143,887 616,685 -46.09 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh



Long-term loans 374,595 374,595 0.00 πLC’G á∏jƒW ¢Vhôb





Other reserves 23,000 23,000 0.00 iôNCG äÉ«WÉ«àMG

Retained earnings 143,274 61,254 -57.25 IQhóe ìÉHQCG

Fair value adjustment for financial asset›s -29,082 - 0.00 á«dÉŸG äGOƒLƒª∏d ádOÉ©dG áª«≤dG ‘ Ò¨àdG

Total shareholders› equity 1,068,248 1,015,310 -4.96 ÚªgÉ°ùŸG ¥ƒ≤M ´ƒª›

Total liabilities & shareholders› equity 10,805,187 10,783,731 -0.20 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG


IN THOUSANDS OF AED ºgGQódG ±’BÉH


LETTERS OF CREDIT 594,757 698,019 17.36 ájóæà°ùŸG äGOÉªàY’G

GUARANTEES & ACCEPTANCES 6,464,719 6,451,469 -0.20 ä’ƒÑ≤dGh äÉfÉª°†dG

OTHERS 8,142,234 5,745,759 -29.43 iôNCG

TOTAL CONTRA ACCOUNTS 15,201,710 12,895,247 -15.17 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›

á``«Ñ

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G ±QÉ`

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General and administrative expenses (203,724) (218,731) 7.37 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG

Provision & other expenses (58,856) (71,653) 21.74 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG


Taxation (44,893) (42,952) -4.32 ÖFGô°†dG


Retained earning bruoght forward - 143,274 0.00 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG

Others - (47,765) 0.00 iôNCG



Legal reserves - - 0.00 ÊƒfÉb »WÉ«àMG



Paid dividend to h.Office - (143,274) 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG


Retained earnings carried forward 143,274 61,254 -57.25 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG

ARAB BANK PLC ´.Ω.¢T »Hô©dG ∂æÑdG

Mill

ion

AED

ºgQ

O ¿ƒ

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250

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50

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14

12

10

8

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2

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ô``°üe ∂æH

BANQUE MISR






¢ùcÉØdG º`````bQ02- 6277075Telefax No.


[email protected]@gulf-banquemisr.ae

E-Mail :Website :

∂æÑdG ´hôØd »ª«∏b’G ôjóŸGäGQÉeE’G ‘

…ÒëÑdG ø°ùM ó«°ùdGMr. Hassan El Bhery

Regional Managerfor UAE Branches


á«Hô©dG ô°üe ájQƒ¡ªL

ô°üf áæjóe-IôgÉ````≤dGGeneral Management (outside UAE)

Egypt ,Cairo / Madinat Nasr6 mostafa Abu Zahra St.

:¢ù«°SCÉàdG ïjQÉJ

:á```````````````````æjóŸG:á```````````````````dhódG


IôgÉ≤dGCairoá«Hô©dG ô°üe ájQƒ¡ªLEgypt

Fore

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s


ô``°üe ∂æHBANQUE MISR






»HO»HO1502

T : 04-2715175TF: 04-2725020 DubaiDubai

ábQÉ°ûdGábQÉ°ûdG254T : 06-5739222

TF: 06-5739292 SharjahSharjah

áª«ÿG ¢SCGQáª«ÿG ¢SCGQ618

T : 07-2332245TF: 07-2444202 Ras Al KhaimahRas Al Khaimah

Ú©dGÚ©dG59232

T : 03-7643399TF: 03-7643388 Al-AinAl-Ain

á``«Ñ

æLC’

G ±QÉ`

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á«eƒª©dG á«f Gõ«ŸGBalance sheet



äGOƒLƒŸG

Cash & deposit with uae central bank 91,460 95,760 4.70 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f

Due from banks 203,362 420,737 106.89 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh

Due from h.O & b.Abroad 1,400,785 17,376 -98.76 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e





Total assets 2,255,973 1,023,133 -54.65 -äGOƒLƒŸG ‹ÉªLG



Due to banks 34,138 37,352 9.41 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh

Due to h.O. & B.Abroad 1,358,091 95,498 -92.97 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e


Proposed dividend 22,885 14,155 -38.15 É¡©jRƒJ ìÎ≤e ìÉHQG


Total liabilities 2,026,010 788,596 -61.08 äÉHƒ∏£ŸG ‹ÉªLG













Others 186,585 234,692 25.78 iôNCG


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Bank

s




In Thousands Of AED ºgGQódG ±’BÉH



Interest expenses (2,433) (3,789) 55.73 áæjóŸG óFGƒØdG



Operating income 48,829 49,309 0.98 äÉ«∏ª©dG ìÉHQCG



Net profit before taxation 5,434 155 -97.15 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (858) - 0.00 ÖFGô°†dG

Net profit for the year 4,576 155 -96.61 áæ°ùdG ìÉHQCG ‘É°U


Others - 3,977.00 0.00 iôNCG

Profit available for appropriation 8,576 8,132 -5.18 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G




Paid dividend -4,000.00 - 0.00 ™jRƒà∏d ìÉHQCG


Others -119.00 - 0.00 iôNCG


BANQUE MISR ô°üe ∂æH

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2.00

1.50

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ÊhÎ```μdE’G ó`jÈ[email protected]

E-Mail :

âfÎf’G ≈∏Y ™bƒŸGwww.nileinuae.comWebsite :

äGQÉeE’G ‘ »ª«∏bC’G ôjóŸG ôgÉW óªfi øjódG »fi ôμH ƒHG ó«°ùdG


(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GÚ∏«ædG ∂æH

El - Nilein Bank General Management (outside UAE)



ΩƒWôÿGKhartoum

¿GOƒ°ùdGSudan

Ú∏«ædG ∂æHEL-NILEIN BANK

á``«Ñ

æLC’

G ±QÉ`

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Assets 2010 2011 النمو % Growth

äGOƒLƒŸG






Fixed assets 1,070 824 -22.99 áàHÉK äGOƒLƒe


Total assets 247,912 243,544 -1.76 äGOƒLƒŸG ‹ÉªLG




Due to h.O. & B.Abroad 2,783 - 0.00 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e

Other liabilities 40,518 32,976 -18.61 iôNCG äÉHƒ∏£e


Total liabilities 204,211 197,873 -3.10 äÉHƒ∏£ŸG ‹ÉªLG




Other reserves 1,072 0.00 iôNCG äÉ«WÉ«àMG

Retained earnings 351 1,159 230.20 IQhóe ìÉHQCG


Total liabilities & shareholders› equity 247,912 243,544 -1.76 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG




Letters of credit 6,512 21,803 234.81 ájóæà°ùŸG äGOÉªàY’G

Guarantees & acceptances 86,523 67,094 -22.46 ä’ƒÑ≤dGh äÉfÉª°†dG

Others 23,746 39,103 64.67 iôNCG


Fore

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s






Interest income - - 0.00 áæFGódG óFGƒØdG

Interest expenses - - 0.00 áæjóŸG óFGƒØdG

Net interest income 0 0 0.00 óFGƒØdG äGOGôjG ‘É°U





Net profit before taxation 487 1,122 130.39 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (97) (224) 130.93 ÖFGô°†dG

Net profit for the year 390 898 130.26 áæ°ùdG ìÉHQCG ‘É°U

Retained earning bruoght forward - 351 0.00 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG


Profit available for appropriation 390 1,249 220.26 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G


Legal reserves (39) (90) 130.77 ÊƒfÉb »WÉ«àMG





Retained earnings carried forward 351 1,159 230.20 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG

EL-NILEIN BANK Ú∏«ædG ∂æH

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Liquidity indicators 2010 2011 ádƒ«°ùdG äGô°TDƒe

















Mill

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100

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´.´.Ω.¢T ÊÉª©dG »æWƒdG ∂æÑdGNATIONAL BANK OF OMAN S.A.O.G







ÊhÎ```μdE’G ó`jÈ[email protected] :

âfÎf’G ≈∏Y ™bƒŸGhttp//www.nbo.co.omWebsite :

á≤£æŸG ôjóe ¿ƒ£fCG ójDƒe ó«°ùdG

Mr. Muayyad AntounCountry Manager


…ò«ØæàdG ¢ù«FôdG

»°ü≤°ûdG ó«©°S øH ΩÓ°S ó«°ùdG General Management (outside UAE)

CEO – Mr. Salaam Bin Said Al Shaksy



§≤°ùeMuscat¿ÉªY áæ£∏°SSultanate of Oman

á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG





ASSETS 2010 2011النمو % Growth

äGOƒLƒŸG



Due from h.O & b.Abroad 30,844 715 -97.68 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e


Loans, advances and overdraft 319,535 360,415 12.79 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG

Fixed assets 620 1,198 93.23 áàHÉK äGOƒLƒe


Total assets 483,883 569,473 17.69 äGOƒLƒŸG ‹ÉªLG




Due to h.O. & B.Abroad 101,974 136,503 33.86 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e



Total liabilities 369,848 447,861 21.09 äÉHƒ∏£ŸG ‹ÉªLG




Other reserves 0.00 iôNCG äÉ«WÉ«àMG


Capital funds from ho. 27,300 27,300 0.00 »°ù«FôdG ´ôØdG øe ∫ÉŸG ¢SGôd ∫ƒëŸG


Total liabilities & shareholders› equity 483,883 569,473 17.69 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG








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Net profit before taxation 4,328 9,471 118.83 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (866) (1,894) 118.71 ÖFGô°†dG

Net profit for the year 3,462 7,577 118.86 áæ°ùdG ìÉHQCG ‘É°U


Others 0.00 iôNCG









NATIONAL BANK OF OMAN S.A.O.G ´.´.Ω.¢T ÊÉª©dG »æWƒdG ∂æÑdG

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1.25

1.00

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QÉªãà°S’Gh πjƒªàdG ∂æH-∫ƒμjôLCG …ójôcCREDIT AGRICOLE-CORPORATE AND INVESTMENT BANK



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG دبيDubaiHead Office in UAE


∞````JÉ````¡dG º`````bQ04- 4175000Telephone No.

¢ùcÉØdG ºbQ04-3313201Telefax NO.

ÊhÎμdG ójÈdGâfÎf’G ≈∏Y ™bƒŸG

www.ca-cib.comE-Mail:Website:

ΩÉ©dG ôjóŸG / …ò«ØæàdG ¢ù«FôdG»Kƒæ¨«e OQÉfôH ó«°ùdGMr. Bernard MIGNUCCICEO / General Manager

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGO’GGeneral Management (outside UAE)


:á```````````````````æjóŸG

:á```````````````````dhódG

1975

¢ùjQÉHParis

É°ùfôaFrance

Date of Establishment:

City :

State :

á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG





∫ƒμjôLG …ójôc »ÑXƒHCG4725

T : 02-6351100TF: 02-6344995 CA CIB Abu Dhabi BrAbu Dhabi

∫ƒμjôLG …ójôc »HO9256

T : 04-4175000TF: 04-3313201 CA CIB Dubai BrDubai


Fore

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s






äGOƒLƒŸG



Due from h.O & b.Abroad - - 0.00 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e


Fixed assets 1,504 742 -50.66 áàHÉK äGOƒLƒe




Customers› deposits 742,468 1,710,636 130.40 AÓª©dG ™FGOh

Due to banks 1,468,770 441,182 -69.96 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh

Due to h.O. & B.Abroad - - 0.00 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e



Total liabilities 2,248,813 2,213,215 -1.58 äÉHƒ∏£ŸG ‹ÉªLG





Retained earnings / transfer to h.Office 85,956 92,116 7.17 »°ù«FôdG õcôª∏d π«MÎ∏d / IQhóe ìÉHQCG


Total liabilities & shareholders› equity 2,423,803 2,659,505 9.72 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG



2010 2011النمو % Growth

Letters of credit 1,090,705 852,692 -21.82 ájóæà°ùŸG äGOÉªàY’G


Others 5,168,806 1,922,417 -62.81 iôNCG


á``«Ñ

æLC’

G ±QÉ`

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Other income 41,582 35,168 -15.42 iôNC’G äGOGôj’G



Provision & other expenses -53,129.00 2,346 0.00 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG

Net profit before taxation -27,127 12,261 0.00 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (569) (5,416) 851.85 ÖFGô°†dG

Net profit for the year -27,696 6,845 0.00 áæ°ùdG ìÉHQCG ‘É°U

Retained earning bruoght forward 113,652 85,956 -24.37 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG




Legal reserves (685) 0.00 ÊƒfÉb »WÉ«àMG






CREDIT AGRICOLE-CORPORATE AND INVESTMENT BANK QÉªãà°S’Gh πjƒªàdG ∂æH - ∫ƒμjôLCG …ójôc

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

30

20

10

0

10

20

30

Fore

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Bank

s











Total liabilities to shareholders equity 1,285.11 % 495.91 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äÉHƒ∏£ŸG ‹ÉªLG




Return on assets -1.12 % 0.46 % äGOƒLƒŸG ‹ÉªLG ≈∏Y óFÉ©dG

Return on shareholders› funds -15.50 % 2.75 % ÚªgÉ°ùŸG ¥ƒ≤M ≈∏Y óFÉ©dG

Return on share capital -40.16 % 3.69 % ∫ÉŸG ¢SGQ ≈∏Y óFÉ©dG




CREDIT AGRICOLE-CORPORATE AND INVESTMENT BANK QÉªãà°S’Gh πjƒªàdG ∂æH-∫ƒμjôLCG …ójôc

Bill

ions

AED

ºgQ

O QÉ

``«∏e

3.0

2.5

2.0

1.5

1.0

0.5

0.0


GOhôH ∂æH

BANK OF BARODA



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG »HODubaiHead Office in UAE





[email protected]

www.bankofbarodauae.ae

E-Mail :Website :

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TBARBAEAD Swift code

»KQƒe ÉeGQ .± .∑ ó«°ùdGMr. K.V. Rama MoorthyCEO (GCC Operations)

ÉæfÉjQÉf .O ó«°ùdGMr. D. Narayanana

Deputy CEO (GCC Operations)

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GGeneral Management (outside UAE)



äGQÉLƒL - GOhôHBaroda - Gujarat óæ¡dGIndia

Fore

ign

Bank

s


GOhôH ∂æHBANK OF BARODA




»HO»HO3162

T : 04-3136666TF: 04-3536962 DubaiDubai

IôjO»HO5107

T : 04-2286518TF: 04-2286020 DeiraDubai

ábQÉ°ûdGábQÉ°ûdG1671

T : 06-5684231TF: 06-5681025 SharjahSharjah





Ú©dGÚ©dG16123

T : 03-7519880TF: 03-7519881 Al AinAl Ain

á``«Ñ

æLC’

G ±QÉ`

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ŸG






äGOƒLƒŸG


Due from banks 4,069,799 3,855,257 -5.27 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh



Loans, advances and overdraft 12,586,894 14,623,256 16.18 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG

Fixed assets 3,954 7,788 96.97 áàHÉK äGOƒLƒe



Liabilities 0.00 äÉHƒ∏£ŸG


Due to banks 2,476,427 2,095,426 -15.39 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh



Long-term loans 0.00 πLC’G á∏jƒW ¢Vhôb


Shareholders› equity 0.00 ÚªgÉ°ùŸG ¥ƒ≤M





Total shareholders› equity 1,365,846 1,723,920 26.22 ÚªgÉ°ùŸG ¥ƒ≤M ´ƒª›







Others ( forex contracts) 11,203,583 15,818,873 41.19 iôNCG

Total contra accounts 15,999,631 19,664,980 22.91 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›

Fore

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Bank

s



BANK OF BARODA GOhôH ∂æH




Interest income 673,620 760,494 12.90 áæFGódG óFGƒØdG


Net interest income 339,819 366,565 7.87 óFGƒØdG äGOGôjG ‘É°U






Taxation (44,682) (49,538) 10.87 ÖFGô°†dG


Retained earning bruoght forward 951,581 1,230,846 29.35 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG








Others ( transfare to ho) (43,471) 0.00 »°ù«FôdG õcôª∏d á∏Môe ) iôNCG )


Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

450

400

350

300

250

200

150

100

50

0

á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG











Total liabilities to shareholders equity 1,197.50 % 1,036.74 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äÉHƒ∏£ŸG ‹ÉªLG











Bill

ions

AED

ºgQ

O QÉ

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21

18

15

12

9

6

3

0


ÉÑjQÉH »H.¿CG.»HBNP PARIBAS



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG»HODubaiHead Office in UAE


∞````JÉ````¡dG º`````bQ04-4248200 Telephone No.

¢ùcÉØdG º`````bQ04-4257813 Telefax No.


[email protected]

E-Mail :Website :

äGQÉe’G ‘ »ª«∏b’G ôjóŸGƒjhQG Ö«∏«a ó«°ùdG

Mr. Philippe AroyoCountry Head - UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TBNPAAEADSwift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GBNP Paribas FranceGeneral Management (outside UAE)



¢ùjQÉHParis

É°ùfôaFrance

á``«Ñ

æLC’

G ±QÉ`

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ŸG





»ÑXƒHCG ´ôa»ÑXƒHCG2742

T: 02- 6938888TF: 02- 6938743 Abu Dhabi Br.Abu Dhabi

»HO ´ôa»HO7233

T: 04- 4248300TF: 04- 4257819 Dubai Br.Dubai


Fore

ign

Bank

s






äGOƒLƒŸG



Due from h.O & b.Abroad 1,121,291 1,072,001 -4.40 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e







Customers› deposits 3,918,532 3,779,086 -3.56 AÓª©dG ™FGOh

Due to banks 95,207 384 -99.60 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh














á«eÉ¶ædG äÉHÉ°ù◊G



Others 65,546 22,377 -65.86 iôNCG


á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG














Taxation (39,454) (35,389) -10.30 ÖFGô°†dG






Legal reserves (15,250) (13,260) -13.05 ÊƒfÉb »WÉ«àMG






BNP PARIBAS ÉÑjQÉH »H.¿CG.»H

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

300

250

200

150

100

50

0

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ign

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s






















Bill

ions

AED

ºgQ

O QÉ

``«∏e

10

8

6

4

2

0


ó«àª«d ∂æH ÉJÉæL

JANATA BANK Limited



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdGابوظبيAbu DhabiHead Office in UAE





[email protected]

E-Mail :Website :

…ò«ØæàdG ¢ù«FôdGΩÓ°S’G ≥«Ø°T óªfi ó«°ùdG

Mr. Mohammed Shafiqul Islam Chief Executive Officer

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TJANBAEAASwift code

Fore

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Bank

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»ÑXƒHCG / »°ù«FôdG õcôŸGMain Br. Abu Dhabi

»ÑXƒHCGAbu Dhabi2630

T : 02-6344542TF: 02-6343289

Ú©dGÚ©dG1107

T : 03-7513425TF: 03-7644475 Al AinAl Ain

»HO»HO2242

T : 04-2281442TF: 04-2246023 DubaiDubai



ó«àª«d ∂æH ÉJÉæLJANATA BANK Limited

á``«Ñ

æLC’

G ±QÉ`

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äGOƒLƒŸG








Total assets 417,026 466,366 11.83 äGOƒLƒŸG ‹ÉªLG







Total liabilities 349,603 394,484 12.84 äÉHƒ∏£ŸG ‹ÉªLG




Other reserves - 668.00 0.00 iôNCG äÉ«WÉ«àMG



Total liabilities & shareholders› equity 417,026 466,366 11.83 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG



2010 2011 GROWTH% النمو


Letters of credit 29 204 603.45 ájóæà°ùŸG äGOÉªàY’G




Fore

ign

Bank

s







Interest expenses (438) (575) 31.28 áæjóŸG óFGƒØdG







Taxation (1413) (1387) -1.84 ÖFGô°†dG












JANATA BANK LIMITED ó«àª«d ∂æH ÉJÉæL

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

12

10

8

6

4

2

0

á``«Ñ

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G ±QÉ`

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JANATA BANK LIMITED ó«àª«d ∂æH ÉJÉæL

Bill

ions

AED

ºgQ

O QÉ

``«∏e

0.50

0.40

0.30

0.20

0.10

0.00




äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG»HO DubaiHead Office in UAE





www.hsbc.aeE-Mail :Website :

…ò«ØæàdG ¢ù«FôdGÉ«≤jôaG ∫Éª°Th §°ShC’G ¥ô°û∏d

IQGOE’G ¢ù∏› ¢ù«FQ ÖFÉf

ôHƒc ¿G. ¿ƒª«°S ó«°ùdGMR. Simon N. Cooper

Chief Executive OfficerMiddle East & North AfricaDeputy Chairman

…ò«ØæàdG ¢ù«FôdG ±ô°T ìÉàØdGóÑY ó«°ùdG

Mr. Abdulffatah SharafChief Executive Officer

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TBBME AEADSwift code



:á```````````````````æjóŸG:á```````````````````dhódG


¿óædLondon

IóëàŸG áμ∏ªŸGUnited Knigdom

OhóëŸG §°Sh’G ¥öûdG.»°S.»H.¢SG.¢ûJG ∂æHHSBC BANK MIDDLE EAST LIMITED

á``«Ñ

æLC’

G ±QÉ`

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ŸG







Ú©dGÚ©dG242

T : 03-7641812TF: 03-7657094 Al Ain Al Ain

√ôjO»HO66

T : 04-2227161TF: 04-2281714 DeiraDubai

»HO»HO66

T : 04-3535000TF: 04-5077488 DubaiDubai

»∏Y πÑL»∏Y πÑL66

T : 04-8816433TF: 04-8816378 Jebel Ali Jebel Ali

IÒéØdGIÒéØdG21

T : 09-2222221TF: 09-2227150 FujairahFujairah




T :07-2333544TF: 07-2330200 Ras Al KhaimahRas Al Khaimah

OhóëŸG §°Sh’G ¥ô°ûdG.»°S.»H.¢SG.¢ûJG ∂æHHSBC BANK MIDDLE EAST LIMITED

Fore

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Bank

s






äGOƒLƒŸG

Cash & deposit with uae central bank 24,330,049 29,277,423 20.33 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f


Due from h.O & b.Abroad 2,609,486 3,712,903 42.28 êQÉÿG ‘ ´hôah »°ù«FôdG õcôŸG øe Üƒ∏£e

Securities 5,827,879 2,281,731 -60.85 äGQÉªãà°SG








Due to h.O. & B.Abroad 3,210,644 4,408,010 37.29 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e


Long-term loans 2,754,375 2,754,375 0.00 πLC’G á∏jƒW ¢Vhôb




Legal reserves 938,277 1,095,924 16.80 ÊƒfÉb »WÉ«àMG

Other reserves (3018) (58089) 0.00 iôNCG äÉ«WÉ«àMG








Guarantees & acceptances 27,443,631 29,289,281 6.73 ä’ƒÑ≤dGh äÉfÉª°†dG

Others 146,949,992 156,645,166 6.60 iôNCG


á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG







Interest expenses (1,117,297) (1,075,590) -3.73 áæjóŸG óFGƒØdG


Other income 3,247,754 3,270,076 0.69 iôNC’G äGOGôj’G


General and administrative expenses (1,966,591) (2,069,208) 5.22 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG

Provision & other expenses (2,658,614) (1,930,910) -27.37 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG


Taxation (182,163) (341,331) 87.38 ÖFGô°†dG

Net profit for the year 943,382 1,576,492 67.11 áæ°ùdG ìÉHQCG ‘É°U


Others 0 0 0.00 iôNCG






Paid dividend to h.Office - -918,000.00 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG

Others - 34,615 0.00 iôNCG


HSBC BANK MIDDLE EAST LIMITED OhóëŸG §°Sh’G ¥ô°ûdG.»°S.»H.¢SG.¢ûJG ∂æH

Bill

ion

AED

ºgQ

O ¿ƒ

«∏H

2.00

1.50

1.00

0.50

0.00

Fore

ign

Bank

s











Total liabilities to shareholders equity 972.12 % 1,028.10 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äÉHƒ∏£ŸG ‹ÉªLG










HSBC BANK MIDDLE EAST LIMITED OhóëŸG §°Sh’G ¥ô°ûdG.»°S.»H.¢SG.¢ûJG ∂æH

Bill

ions

AED

ºgQ

O QÉ

``«∏e

120

100

80

60

40

20

0


‹hódG »≤jôa’G »Hô©dG ∂æÑdGARAB AFRICAN INTERNATIONAL BANK




ójÈdG ¥hóæ°U º`````bQ1049 P.O.Box

∞````JÉ````¡dG º`````bQ04-3937773 Telephone No.

¢ùcÉØdG º`````bQ04-3937774 Telefax No.


[email protected]

E-Mail :Website :

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TARAIAEAD Swift code

äGQÉe’G ádhO ‘ »ª«∏b’G ôjóŸG ÊGƒãL âæª«g / ó«°ùdGMR. Hemant Jethwani


(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GMr. Hassan AbdullahManaging Director



:á```````````````````æjóŸG:á```````````````````dhódG


IôgÉ≤dGCairoá«Hô©dGô°üe ájQƒ¡ªLEgypt

Fore

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Bank

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»HO»HO1049

T : 04-3937773TF: 04-3937774 DubaiDubai




á``«Ñ

æLC’

G ±QÉ`

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äGOƒLƒŸG




Securities 82,496 83,348 1.03 äGQÉªãà°SG


Fixed assets 545 508 -6.79 áàHÉK äGOƒLƒe



Liabilities 0.00 äÉHƒ∏£ŸG


Due to banks 158,027 131,301 -16.91 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh





Shareholders› equity 0.00 ÚªgÉ°ùŸG ¥ƒ≤M



Other reserves (1060) (208) -80.38 iôNCG äÉ«WÉ«àMG

Retained earnings 22550 66035 192.84 IQhóe ìÉHQCG








Others 389,722 398,568 2.27 iôNCG

Total contra accounts 749,636 1,506,436 100.96 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›

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s












Provision & other expenses 0 0 0.00 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG


Taxation (8,242) (5,822) -29.36 ÖFGô°†dG


Retained earning bruoght forward (7,046) 22,550 0.00 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG





Other reserves 0 0 0.00 iôNCG äÉ«WÉ«àMG


Paid dividend to h.Office 0 0 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG



ARAB AFRICAN INTERNATIONAL BANK ‹hódG »≤jôa’G »Hô©dG ∂æÑdG

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

60

50

40

30

20

10

0

á``«Ñ

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G ±QÉ`

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ARAB AFRICAN INTERNATIONAL BANK ‹hódG »≤jôa’G »Hô©dG ∂æÑdG

Bill

ions

AED

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O QÉ

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3.00

2.50

2.00

1.50

1.00

0.50

0.00




äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG»HO - √ôjOMaktoum St.Deira - Dubai

Head Office in UAE

ójÈdG ¥hóæ°U º`````bQ4207 P.O.Box




info@al khaliji .aewww.alkhaliji.ae

E-Mail :Website :

äGQÉe’G ádhO ‘ »ª«∏b’G ôjóŸG¿É«J ¬jQófG / ó«°ùdGMr. Andre Tyan


‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TLICOAEAD Swift Code


al khaliji France S.A.49-51 Avenue George V

75008 Paris – France

info@al khaliji .frTel:0033 1 49 52 4941Fax:0033 1 49 52 4949




¢ùjQÉHParis

É°ùfôaFrance

Ω.¢T É°ùfôa »é«∏ÿG

AL KHALIJI FRANCE S.A.

á``«Ñ

æLC’

G ±QÉ`

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»HO»HO4207

T : 04-2222291TF: 04-2279861 DubaiDubai







Ω.¢T É°ùfôa »é«∏ÿGAL KHALIJI FRANCE S.A.

Fore

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Bank

s






äGOƒLƒŸG





Loans, advances and overdraft 713,400 1,063,590 49.09 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG

Fixed assets 827 3,619 437.60 áàHÉK äGOƒLƒe















Cumulative transaction adjustment 0 0 0.00 áªcGÎe äÓjó©J








Others 473,258 469,599 -0.77 iôNCG


á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG














Taxation (10,663) (13,238) 24.15 ÖFGô°†dG



Others 0.00 iôNCG




Other reserves 0.00 iôNCG äÉ«WÉ«àMG

Paid dividend 0.00 ™jRƒà∏d ìÉHQCG

Paid dividend to h.Office 0 (26,571) 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG



Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

70

60

50

40

30

20

10

0

AL KHALIJI FRANCE S.A. Ω.¢T É°ùfôa »é«∏ÿG

Fore

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Bank

s






















Bill

ions

AED

ºgQ

O QÉ

``«∏e

2.50

2.00

1.50

1.00

0.50

0.00









[email protected]

E-Mail :Website :

ΩÉ```©``dG ôjóŸG¿ÉgOGôH ΩGôμ«a ó«°ùdG

MR. Vikram PradhanGeneral Manager in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TABKKAEADSwift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GMr. Colin PlowmanChief General Manager & CEO



:á```````````````````dhódG

1967 Date of Establishment:City :State :

âjƒμdG Kuwait

âjƒμdGKuwait

∑.Ω.¢T »àjƒμdG »∏g’G ∂æÑdG

ALAHLI BANK OF KUWAIT K.S.C






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∑.Ω.¢T »àjƒμdG »∏g’G ∂æÑdGALAHLI BANK OF KUWAIT K.S.C




äGOƒLƒŸG




Securities - 0.00 äGQÉªãà°SG







Due to banks 128 1,575 1130.47 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh



Long-term loans 110,190 110,190 0.00 πLC’G á∏jƒW ¢Vhôb














Others 381,174 604,055 58.47 iôNCG


á``«Ñ

æLC’

G ±QÉ`

`````°ü

ŸG












Provision & other expenses 492 (628) 0.00 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG


Taxation (15,460) (20,783) 34.43 ÖFGô°†dG












Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

100

80

60

40

20

0

ALAHLI BANK OF KUWAIT K.S.C ∑.Ω.¢T »àjƒμdG »∏g’G ∂æÑdG

Fore

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Bank

s









Capital Structure Indicators 2010 2011 ∫ÉŸG ¢SGQ πμ«g äGô°TDƒe





Profitability Indicators 2010 2011 á«ëHôdG äGô°TDƒe




Other Indicators 2010 2011 iôNG äGô°TDƒe




Bill

ions

AED

ºgQ

O QÉ

``«∏e

5.00

4.00

3.00

2.00

1.00

0.00


Ω.´.¢T õ«∏cQÉH ∂æH

BARCLAYS BANK PLC







:ÊhÎμdE’G ójÈdG:âfÎfE’G ≈∏Y ™bƒŸG

[email protected]

Email:Website:

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TBARCAEADSwift code

ΩÉ©dG ôjóŸG / …ò«ØæàdG ¢ù«FôdGƒdÉà«a ¿ƒL ó«°ùdGMr. John Vitalo

CEO / General Manager

∂æÑ∏d áeÉ©dG IQGO’G ( äGQÉe’G êQÉN )

ófƒªFGO OQGhOEG äôHhQ ó«°ùdGGeneral Management( outside UAE ) Mr. Robert Edward Diamond

Chief Executive


20 July 1896Date of Establishment:City :State :

¿óæd LondonIóëàŸG áμ∏ªŸGUnited Kingdom

Fore

ign

Bank

s





»HO ´ôa»HO1891

T : 04-4355901TF: 04-4355902 Dubai Br.Dubai

»ÑXƒHCG ´ôa»ÑXƒHCG2734

T : 02-4958555TF: 02-6355143 Abu Dhabi BR.Abu Dhabi

Ω.´.¢T õ«∏cQÉH ∂æHBARCLAYS BANK PLC

á``«Ñ

æLC’

G ±QÉ`

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ŸG






äGOƒLƒŸG




Securities 1,104,001 1,135,559 2.86 äGQÉªãà°SG



Other assets 1,016,585 447,809 -55.95 iôNCG äGOƒLƒe





Due to h.O. & B.Abroad 6,898,873 4,520,132 -34.48 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e






Other reserves -69,454 -40,007 -42.40 iôNCG äÉ«WÉ«àMG

Retained earnings -588,202 -558,146 -5.11 IQhóe ìÉHQCG








Others 3,081,076 5,518,638 79.11 iôNCG


Fore

ign

Bank

s












Provision & other expenses (468,404) (270,640) -42.22 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG

Net profit before taxation (192,690) 44,698 0.00 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation 22,633 (11,302) 0.00 ÖFGô°†dG

Net profit for the year (170,057) 33,396 0.00 áæ°ùdG ìÉHQCG ‘É°U

Retained earning bruoght forward (418,145) (588,202) 0.00 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG


Profit available for appropriation (588,202) (554,806) -5.68 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G



Other reserves - -3,340.00 0.00 iôNCG äÉ«WÉ«àMG




Retained earnings carried forward (588,202) (558,146) -5.11 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG

BARCLAYS BANK PLC Ω.´.¢T õ«∏cQÉH ∂æH

Bill

ion

AED

ºgQ

O ¿ƒ

«∏H

1

0.5

0

-0.5

-1.00

á``«Ñ

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Return on assets -1.15 % 0.26 % äGOƒLƒŸG ‹ÉªLG ≈∏Y óFÉ©dG

Return on shareholders› funds -10.08 % 2.26 % ÚªgÉ°ùŸG ¥ƒ≤M ≈∏Y óFÉ©dG

Return on share capital -7.59 % 1.76 % ∫ÉŸG ¢SGQ ≈∏Y óFÉ©dG





Bill

ions

AED

ºgQ

O QÉ

``«∏e

25

20

15

10

5

0


OhóëŸG ∂æH Ö«ÑM

HABIB BANK LIMITED








[email protected]

E-Mail :Website :

äGQÉe’G ádhO ‘ »ª«∏b’G ôjóŸG»≤jó°U õjõY ¿ÉeCG ó«°ùdG

Mr. Aman Aziz SiddiquiRegional Manager in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°THABBAEADSwift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GManagement CommitteeKarachi – Pakistan



1941Date of Establishment:City *:State *:

…ÉÑeƒeBombay

óæ¡dGIndia

* After partition head office transferred to karachi, pakistan in 1947.

á``«Ñ

æLC’

G ±QÉ`

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»°ù«FôdG ´ôØdG»ÑXƒHCG897

T : 02-6624688TF: 02-6225620 Main Br.Abu Dhabi

√ôjO ´ôa»HO888

T : 04-2015705TF: 04-2253292 Deira BranchDubai

»HO ôH»HO2759

T : 04-3029400TF: 04-3597955 Bur DubaiDubai

∞jÉf ´QÉ°T »HO888

T : 04-2725561TF: 04-2725564 Naif RoadDubai

êÈdG ´ôaábQÉ°ûdG300

T : 06-5686116TF: 06-5686473 Al Boorj Avenue BranchSharjah

Ú©dGÚ©dG1373

T : 03-7642555TF: 03-7666215 Al AinAl Ain

OhóëŸG ∂æH Ö«ÑMHABIB BANK LIMITED

Fore

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Bank

s






äGOƒLƒŸG





























Others 104,812 130,298 24.32 iôNCG


á``«Ñ

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Taxation (2,448) (2,656) 8.50 ÖFGô°†dG












HABIB BANK LIMITED OhóëŸG ∂æH Ö«ÑM

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

20

15

10

5

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Fore

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Bank

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Loans & Advances To Total Assets 40.38 % 36.73 % äGOƒLƒŸG ‹ÉªLG ¤G ∞∏°ùdGh ¢Vhô≤dG

Loans & Advances To Cus.Deposits 52.09 % 45.66 % AÓª©dG ™FGOh ¤G ∞∏°ùdGh ¢Vhô≤dG

Shareholders› Funds To Total Assets 15.10 % 14.26 % äGOƒLƒŸG ‹ÉªLG ¤G ÚªgÉ°ùŸG ¥ƒ≤M

Cus.Deposits To Total Assets 77.52 % 80.45 % äGOƒLƒŸG ‹ÉªLG ¤G AÓª©dG ™FGOh


Total Liabilities To Total Assets 84.90 % 85.74 % äGOƒLƒŸG ‹ÉªLG ¤G äÉHƒ∏£ŸG ‹ÉªLG

Total Liabilities To Shareholders Equity 562.04 % 601.36 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äÉHƒ∏£ŸG ‹ÉªLG

Loans & Advances To Shareholders› Funds 267.32 % 257.62 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G ∞∏°ùdGh ¢Vhô≤dG

Total Assets To Shareholders Equity 662.04 % 701.36 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äGOƒLƒŸG ‹ÉªLG


Return On Assets 0.68 % 0.64 % äGOƒLƒŸG ‹ÉªLG ≈∏Y óFÉ©dG

Return On Shareholders› Funds 4.50 % 4.46 % ÚªgÉ°ùŸG ¥ƒ≤M ≈∏Y óFÉ©dG

Return On Share Capital 7.35 % 7.53 % ∫ÉŸG ¢SGQ ≈∏Y óFÉ©dG


Contra Accounts To Total Assets 20.72 % 29.53 % äGOƒLƒŸG ‹ÉªLG ¤G á«eÉ¶ædG äÉHÉ°ù◊G

Contra Accounts To Loans & Advances 51.31 % 80.40 % ∞∏°ùdGh ¢Vhô≤dG ¤G á«eÉ¶ædG äÉHÉ°ù◊G


Bill

ions

AED

ºgQ

O QÉ

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1.75

1.50

1.25

1.00

0.75

0.50

0.25

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ïjQƒjR »L …CG ∂æH Ö«ÑMHABIB BANK AG ZURICH



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG»HO Dubai Head Office in UAE





[email protected]

E-Mail :Website :

…ò«ØæàdG ¢ù«FôdG ÊÉN’ ±QÉY ó«°ùdG Mr. Arif Lakhani

Chief Executive Officer :

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°THBZUAEADSwift Code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’G Ö«ÑM Qó«M ó«°ùdG / ¢ù«FôdG

Mr. Hyder HabibPresident in head office (Zurich)

General Management( outside UAE )


:á```````````````````dhódG


ïjQƒjRZurich

Gô°ùjƒ°SSwitzerland

Fore

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Bank

s





IôjO - »°ù«FôdG ´ôØdG»HO3306

T : 04-2607999Tf: 04-2215101 Main Branch – Deira Dubai

»HO»HO3306

T : 04-3513777Tf: 04-3522878 DubaiDubai

»HO ôH »HO3306

T : 04-3534545Tf: 04-3532156 Bar DubaiDubai

ójGR ï«°ûdG ´QÉ°T »HO3306

T : 04-3313999Tf: 04-3317666 Sh. Zayed RoadDubai

»∏Y πÑL»HO3306

T : 04-8812828Tf: 04-8812727 Jebel Ali Dubai

¿GóªM ï«°ûdG»ÑXƒHCG2681

T : 02-6519500Tf: 02-6351822 Sh. HamdanAbu Dhabi

ìÓØdG »ÑXƒHCG2681

T : 02-6422600Tf: 02-6421090 Al falah BrAbu Dhabi


T : 06-5693336Tf: 06-5693334 Sharjah (Cbd)Sharjah


á``«Ñ

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IN THOUSANDS OF AED ºgGQódG ±’BÉH


äGOƒLƒŸG

Cash & deposit with uae central bank 2,383,361 1,626,393 -31.76 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f























In thousands of aed ºgGQódG ±’BÉH




Others 167,160 71,902 -56.99 iôNCG


Fore

ign

Bank

s














Taxation (32,130) (39,372) 22.54 ÖFGô°†dG








Paid dividend -132,049 -157,939 19.61 ™jRƒà∏d ìÉHQCG

Paid dividend to h.Office - 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG



HABIB BANK AG ZURICH ïjQƒjR »L …CG ∂æH Ö«ÑM

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

300

250

200

150

100

50

0

á``«Ñ

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Bill

ions

AED

ºgQ

O QÉ

``«∏e

12

10

8

6

4

2

0


∂æH OôJQÉ°ûJ OQófÉà°SSTANDARD CHARTERED BANK








www.standardchartered.comE-Mail :Website :

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TSCBLAEADxxxSwift Code

…ò«ØæàdG ¢ù«FôdG¢ùjQƒe ¿ÉKÉfƒL ó«°ùdGMr. Jonathon Morris

Chief Executive Officer



¿óædLondon

IóëàŸG áμ∏ªŸGUK

á``«Ñ

æLC’

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»HO»HO999

T : 04-3520455TF: 04-3526679 DubaiDubai

GÒª÷G »HO127899

T : 04-5085753TF: 04-3696902 JumairahDubai

ÖgòdG ¥ƒ°S»HO 64555

T : 04-5085306TF: 04-3696903 Gold SouqDubai

»æ«°üdG ¢Vô©ŸG »HO4166

T : 04-5085260TF: 04-3687008 Dragon Mart.Dubai

√ôjO »HO 1125

T : 04-5085300TF: 04-2279900 DeiraDubai

»∏Y πÑL»HO16920

T : 04-5085200TF: 04-8816670 Jebel AliDubai

اعمار Emaar Business

»HODubai103669

T : 04-5085255TF: 04-4225109





Ú©dGÚ©dG1240

T : 03-7056800TF: 03-7654824 Al AinAl Ain


Fore

ign

Bank

s






äGOƒLƒŸG


Due from banks 829,778 3,715,496 347.77 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh


Securities 3,640,553 3,050,401 -16.21 äGQÉªãà°SG










Long-term loans 1,872,837 1,872,778 -0.00 πLC’G á∏jƒW ¢Vhôb





Other reserves (19,166) (34,378) 79.37 iôNCG äÉ«WÉ«àMG







Letters of credit 7,706,857 9,065,195 17.63 ájóæà°ùŸG äGOÉªàY’G


Others 475,825,848 454,413,781 -4.50 iôNCG


á``«Ñ

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Interest income 2,233,485 2,203,045 -1.36 áæFGódG óFGƒØdG



Other income 1,441,568 1,404,289 -2.59 iôNC’G äGOGôj’G


General and administrative expenses (1,512,030) (1,627,061) 7.61 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG



Taxation (260,378) (297,302) 14.18 ÖFGô°†dG

Net profit for the year 989,282 1,090,041 10.19 áæ°ùdG ìÉHQCG ‘É°U








Paid dividend to h.Office 0 (890,354) 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG



STANDARD CHARTERED BANK ∂æH OôJQÉ°ûJ OQófÉà°S

Bill

ion

AED

ºgQ

O ¿

ƒ«∏H

1.50

1.25

1.00

0.75

0.50

0.25

0.00

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STANDARD CHARTERED BANK ∂æH OôJQÉ°ûJ OQófÉà°S

Bill

ions

AED

ºgQ

O QÉ

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90

75

60

45

30

15

0


…CG.¿CG ∂æH »à«°SCITIBANK N.A.



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdG »HO - π°UƒdG Al - Wasl- DubaiHead Office in UAE





www.citibank.aeE-Mail :Website :

äGQÉe’G ‘ »ª«∏b’G ôjóŸG øªMôdG ≥«àY ó«°ùdG

Mr. Atiq-ur RahmanRegional Manager in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TCITIAEADSwift Code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GMr. Vikram Pandit( Citi group )




∑Qƒjƒ«fNew York Cityá«μjôe’G IóëàŸG äÉj’ƒdGU.S.A

Fore

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Bank

s





»HO»HO749

T : 04-5074104TF: 04-3528654 Main Branch Dubai

π°UƒdG ´ôa »HO749

T : 04-3245000TF: 04-3243296 Al Wasl BranchDubai




T : 06-5072101TF: 06-5728466 Sharjah Sharjah

Ú©dGÚ©dG1430

T : 03-7663887TF: 03-7641090 AL AinAL Ain


á``«Ñ

æLC’

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äGOƒLƒŸG




Securities 1,630,571 520,988 -68.05 äGQÉªãà°SG


Fixed assets 29,719.00 35,597.00 19.78 áàHÉK äGOƒLƒe





Due to banks 588,244 1,104,665 87.79 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh








Other reserves (7,232) 21,428 0.00 iôNCG äÉ«WÉ«àMG







Letters of credit 6,708,151 6,767,864 0.89 ájóæà°ùŸG äGOÉªàY’G


Others 374,304 383,662 2.50 iôNCG


Fore

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Bank

s














Taxation (106,064) (165,128) 55.69 ÖFGô°†dG











Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

1000

750

500

250

0

CITIBANK N.A. …CG.¿CG ∂æH »à«°S

á``«Ñ

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CITIBANK N.A. …CG.¿CG ∂æH »à«°S

Bill

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AED

ºgQ

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30

25

20

15

10

5

0


¿GôjG äGQOÉ°U ∂æHBANK SADERAT IRAN








[email protected]

E-Mail :Website :

…ò«ØæàdG ¢ù«FôdGhô°ûH É°VQ óªfi ó«°ùdG

Mr. Mohammad Reza PishrowChief Executive

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’G ¿GôjG äGQOÉ°U ∂æHBank Saderat Iran




¿Gô¡WTehran

á«eÓ°SE’G ¿GôjG ájQƒ¡ªL Islamic Republic of Iran

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ó°Tôe ¥ƒ°S »HO 4182

T : 04-2264805TF: 04-2266543 Murshid Bazar Dubai

»HO ôH»HO4182

T : 04-3511110TF: 04-3529415 Bur DubaiDubai

ΩƒàμŸG ´QÉ°T»HO4182

T : 04- 6035555TF: 04- 2234460 Al Maktoum St.Dubai

ójGR ï«°ûdG ´QÉ°T»HO4182

T : 04-3311187TF: 04-3311027 Sh.zayed RoadDubai

áHhô©dG ´QÉ°TábQÉ°ûdG316

T : 06-5682070TF: 06-5680289 Al Arooba St.Sharjah



Ú©dGÚ©dG1140

T : 03-7641557TF: 03-7668875 Al Ain Al Ain

¿ÉªéY¿ÉªéY16

T : 06-7422232TF: 06-7426190 AjmanAjman


Fore

ign

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s






äGOƒLƒŸG

Cash & deposit with uae central bank 834,995 1,210,564 44.98 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f






Other assets 2,178,138 1,325,286 -39.16 iôNCG äGOƒLƒe






Other liabilities 2,456,396 1,723,158 -29.85 iôNCG äÉHƒ∏£e

Subordinated loans 300,000 600,000 100.00 πL’G á∏jƒW ¢Vhôb



Paid up capital 850,000 1,500,000 76.47 ´ƒaóŸG ∫ÉŸG ¢SCGQ













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Net interest income 695,293 1,224,087 76.05 óFGƒØdG äGOGôjG ‘É°U


Operating income 905,280 1,477,821 63.24 äÉ«∏ª©dG ìÉHQCG




Taxation (153,300) (209,000) 36.33 ÖFGô°†dG



Others 0.00 iôNCG







Others - -650,000.00 0.00 iôNCG


BANK SADERAT IRAN ¿GôjG äGQOÉ°U ∂æH

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

900

750

600

450

300

150

0

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Bill

ions

AED

ºgQ

O QÉ

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30

25

20

15

10

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BANK SADERAT IRAN ¿GôjG äGQOÉ°U ∂æH


¿GôjG »∏e ∂æHBANK MELLI IRAN








[email protected]

E-Mail :Website :

äGQÉe’G ádhO ‘ …ò«ØæàdG ôjóŸG …Qƒf ô¨°UG »∏Y ó«°ùdGMr. Ali Asghar Nouri

Regional Director in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TMELIAEAD Swift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GBoard of Directors

Bank Melli IranIslamic Republic of Iran




¿Gô¡WTehraná«eÓ°S’G ¿GôjG ájQƒ¡ªLIslamic republic of Iran

Fore

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IôjódG - »°ù«FôdG ´ôØdG»HO1894

T : 04-2015100TF: 04-2295454 Main Branch - DeiraDubai

»HO ôH ´ôa»HO3093

T : 04-3051155TF: 04-3516329 Bur Dubai BranchDubai

»ÑXƒHCG ´ôa »ÑXƒHCG2656

T : 02-6144110TF: 02-6217621 ABU DHABI BranchAbu Dhabi

Ú©dG ´ôa Ú©dG1888

T : 03-7118700TF: 03-7664449 Al Ain BrAl Ain

ábQÉ°ûdG ´ôa ábQÉ°ûdG459

T : 06-5912200TF: 06-5686535 Sharjah BrSharjah

IÒéØdG ´ôa IÒéØdG248

T : 09-2222551TF: 09-2224271 Fujairah BrFujairah

áª«ÿG ¢SCGQ ´ôa áª«ÿG ¢SCGQ5270

T : 07-2229400TF: 07-2228797 Ras AlKhaimah BrRas Al Khaimah

¿Gôj’G ≈Ø°ûà°ùŸG ´ôaHospital sub Br

»HODubai1894

T : 04-3449307TF: 04-2295454


á``«Ñ

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äGOƒLƒŸG

Cash & deposit with uae central bank 731,083 3,866,908 428.93 …õcôŸG ±ô°üŸG iód ™FGOh h ó≤f





Fixed assets 4,197 16,263.00 3,867.50 áàHÉK äGOƒLƒe

Other assets 227,855 178.317 21.75 iôNCG äGOƒLƒe




Due to banks 298,007 1,039,211 248.72 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh


Other liabilities 406,899 898,279.00 120.76 iôNCG äÉHƒ∏£e






Other reserves 270,297.00 270,297.00 0.00 iôNCG äÉ«WÉ«àMG

Retained earnings 403,901 1,227,001 203.79 IQhóe ìÉHQCG






Letters of credit 1,673,130 992,460 -40.68 ájóæà°ùŸG äGOÉªàY’G


Others 0.00 iôNCG


Fore

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Bank

s






Interest income 726,501 1,031,643 42.00 áæFGódG óFGƒØdG




Operating income 672,472 1,357,545 101.87 äÉ«∏ª©dG ìÉHQCG



Net profit before taxation 527,552 1,042,933 97.69 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (78,773) (128,377) 62.97 ÖFGô°†dG




Profit available for appropriation 719,076 1,318,457 83.35 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G





Paid dividend to h.Office (270,297) 0.00 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG


Retained earnings carried forward 403,901 1,227,001 203.79 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

1050

900

750

600

450

300

150

0

BANK MELLI IRAN ¿GôjG »∏e ∂æH

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Loans & advances to shareholders› funds 156 % 122 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G ∞∏°ùdGh ¢Vhô≤dG

Total assets to shareholders equity 631 % 637 % ÚªgÉ°ùŸG ¥ƒ≤M ¤G äGOƒLƒŸG ‹ÉªLG








BANK MELLI IRAN ¿GôjG »∏e ∂æH

Bill

ions

AED

ºgQ

O QÉ

``«∏e

18

15

12

9

6

3

0


Ω.¢T É°ùfôa ∂æH Ωƒ∏HBLOM BANK FRANCE S.A








[email protected] :Website :

äGQÉe’G ‘ »ª«∏b’G ôjóŸG¢ùjôY º°SÉH ó«°ùdGMr. Bassem Ariss


‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TBLOMAEADSwift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GBLOM BANK FARANCE S.A. General Management (outside UAE)


:á```````````````````æjóŸG:á```````````````````dhódG


ähÒH

¿ÉæÑdBeirutLebanon

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»HO ´ôa»HO4370

T : 04-2284655TF: 04-2236260 Dubai Br.Dubai

ábQÉ°ûdG ´ôaábQÉ°ûdG5803

T : 06-5736700TF: 06-5736080 Sharjah Br.Sharjah

»∏Y πÑL ´ôa Jebel Ali Br.

»HODubai

T : 04-8849311TF: 04-8849388


Fore

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Bank

s






äGOƒLƒŸG




























Others 5,069 4,332 -14.54 iôNCG


á``«Ñ

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General and administrative ex-penses

(31,902) (36,133) 13.26 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG



Taxation (7,993) (10,511) 31.50 ÖFGô°†dG



Others - 10,594.00 0.00 iôNCG




Other reserves (27,860) 0 0.00 iôNCG äÉ«WÉ«àMG





BLOM BANK FRANCE S.A Ω.¢T É°ùfôa ∂æH Ωƒ∏H

Mill

ion

AED

ºgQ

O ¿ƒ

«∏e

70

60

50

40

30

20

10

0

Fore

ign

Bank

s





















Bill

ions

AED

ºgQ

O QÉ

``«∏e

3.00

2.50

2.00

1.50

1.00

0.50

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BLOM BANK FRANCE S.A Ω.¢T É°ùfôa ∂æH Ωƒ∏H


»°S.∫G.»H ∂æH »H.¢SG.»J RójƒdLLOYDS TSB BANK PLC



äGQÉeE’G ádhO ‘ »°ù«FôdG ´ôØdGدبيDubaiHead Office in UAE





[email protected]

E-Mail :Website :

…ò«ØæàdG ¢ù«FôdG »à°Sƒe OQÉ°ûàjQ ó«°ùdGMr. Richard Musty

Chief Executive

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TLOYDAEADSwift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’G LLOYDS BANKING GROUP

General Management (outside UAE)UNITED KINGDOM


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Londonلندن

IóëàŸG áμ∏ªŸG United Kingdom

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HO«لويدز تي.اس.بي بنك بي.ال.سي3766

T : 04-3422000TF: 04-3422660 Lloyds Tsb Bank Plc.Dubai

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Due from banks 2,347,888 2,042,693 -13.00 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh

















Other reserves -2,500.00 -2,500.00 0.00 iôNCG äÉ«WÉ«àMG


Total shareholders› equity 961,069 830,194 -13.62 ÚªgÉ°ùŸG ¥ƒ≤M ´ƒª›







Others 1,198,176 1,532,853 27.93 iôNCG


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Provision & other expenses 4,056 (283,205) 0.00 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG

Net profit before taxation 140,548 (158,159) 0.00 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation (29,637) 27,284 0.00 ÖFGô°†dG

Net profit for the year 110,911 (130,875) 0.00 áæ°ùdG ìÉHQCG ‘É°U





Legal reserves (11,091) - 0.00 ÊƒfÉb »WÉ«àMG






LLOYDS TSB BANK PLC »°S.∫G.»H ∂æH »H.¢SG.»J Rójƒd

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Return on assets 2.29 % -3.21 % äGOƒLƒŸG ‹ÉªLG ≈∏Y óFÉ©dG

Return on shareholders› funds 14.62 % -19.05 % ÚªgÉ°ùŸG ¥ƒ≤M ≈∏Y óFÉ©dG

Return on share capital 62.47 % -70.29 % ∫ÉŸG ¢SGQ ≈∏Y óFÉ©dG




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LLOYDS TSB BANK PLC »°S.∫G.»H ∂æH »H.¢SG.»J Rójƒd









www.rbsbank.comE-Mail :Website :

‘ »ª«∏b’G ôjóŸGh …ò«ØæàdG ¢ù«FôdG äGQÉe’G ádhO

»æ«H ¿ƒª«°S ó«°ùdGMr. Simon Penney

Chief Executive and Regional manager in U.A.E

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TABNAAEADSwift code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GRBS N.V (Formerly)ABN AMRO N.VGeneral Management (outside UAE)


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ΩGOÎ°ùeGAmsterdam

Góædƒg The Netherlands

.‘ .¿EG hôeCG - ΩÉ©dG Góædƒg ∂æH º°SEG Ò«¨J ”

.‘ .¿EG ófÓJƒμ°S ±hCG ∂æH ∫ÉjhQ ¤EG äGQÉeE’G ádhO ‘

2010/2/11 øe kGQÉÑàYEG

The Name of ABN - Amro Bank N.V. in the UAE has

been Changed to The Royal Bank of Scotland N.V.

with effect from 11/2/2010

.‘ .¿EG ófÓJƒμ°S ±hCG ∂æH ∫ÉjhQ The Royal Bank of Scotland N.V.

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‘ .¿EG ófÓJƒμ°S ±hCG ∂æH ∫ÉjhQ»ÑXƒHCG2720

T : 02-6963000TF: 02-6963001 Royal Bank of Scotland N.V. Abu Dhabi

‘ .¿EG ófÓJƒμ°S ±hCG ∂æH ∫ÉjhQ»HO2567

T : 04-3512200TF: 04-3511555 Royal Bank of Scotland N.V. Dubai

‘ .¿EG ófÓJƒμ°S ±hCG ∂æH ∫ÉjhQábQÉ°ûdG1971

T : 06-5594900TF: 06-5591009 Royal Bank of Scotland N.V. Sharjah

.‘ .¿EG ófÓJƒμ°S ±hCG ∂æH ∫ÉjhQThe Royal Bank of Scotland N.V.

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In thousands of aed بآالف الدراهم


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Loans, advances and overdraft 1,696,473 923,300 -45.58 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG









Subordinated loan›s 440,760 440,748 -0.00 á©HÉJ ¢Vhôb





Other reserves 3,736 (1,020) 0.00 iôNCG äÉ«WÉ«àMG


Cumulative transaction adjustment 0.00 áªcGÎe äÓjó©J








Others 5,377,806 1,405,913 -73.86 iôNCG


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General and administrative ex-penses

(502,889) (153,264) -69.52 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG



Taxation (408) (130,004) 31763.73 ÖFGô°†dG

Net profit for the year 119,438 -43,350 0.00 áæ°ùdG ìÉHQCG ‘É°U





Legal reserves (11,944) 0.00 ÊƒfÉb »WÉ«àMG






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óàª«d ∂æH óàjÉfƒj

UNITED BANK LIMITED








[email protected]

E-Mail :Website :

ΩÉ©dG ôjóŸGASAD H. BURNEYGeneral Manager

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TUNILAEADSwift code

IóëàŸG á«Hô©dG äGQÉeE’G ‘ á«dhódG ¢ù«FQMr. Wajahat HusainHead of international in UAE


PRESIDENT & CEOATIF R. BOKHARIGeneral Management (outside UAE)



»°ûJGôcKarachi

¿Éà°ùcÉHPakistan

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íØ°üŸG ´QÉ°T »ÑXƒHCG237

T: 02-5548778Tf: 02-5548779 Musaffah St. Abu Dhabi

شارع خليفة Khalifa Main Br

»ÑXƒHCGAbu Dhabi3052

T: 02-6719944Tf: 02-6719900

¿GóªM ï«°ûdG ´QÉ°T »ÑXƒHCG2340

T: 02-6272429Tf: 02-6272134 Sh. Hamdan RoadAbu Dhabi

QhôŸG ´QÉ°T »ÑXƒHCG3052

T: 02-6391507Tf: 02-6315052 Muroor RoadAbu Dhabi

Ú©dGÚ©dG1141

T: 03-7641221Tf: 03-7666175 Al AinAl Ain

»HO ôH»HO ôH1367

T : 04-3592515Tf: 04-3510607 Bur DubaiBur Dubai

√ôjO»HO1000

T : 04-2267532Tf: 04-2269209 Deira Dubai

AÉ°TÈdG»HO3846

T: 04-6085333Tf: 04-3403645 Al BarshaDubai


T: 06-5729444Tf: 06-5721200 SharjahSharjah

óàª«d ∂æH óàjÉfƒjUNITED BANK LIMITED

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Long-term loans 183,650 124,882 -32.00 πLC’G á∏jƒW ¢Vhôb





Other reserves (45557) (43756) -3.95 iôNCG äÉ«WÉ«àMG


Total shareholders› equity 682,702 569,294 -16.61 ÚªgÉ°ùŸG ¥ƒ≤M ´ƒª›







Others 849,812 1,302,254 53.24 iôNCG


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Taxation (27249) 475 0.00 ÖFGô°†dG









Paid dividend to h.Office (41649) (154821) 271.73 »°ù«FôdG õcôª∏d π«MÎ∏d ìÉHQCG



UNITED BANK LIMITED óàª«d ∂æH óàjÉfƒj

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UNITED BANK LMITED óàª«d ∂æH óàjÉfƒj



äGQÉeE’G ádhO ‘ ¢ù«°SCÉàdG ïjQÉJMAY - 2007Date of Establishment in UAE






www.samba.aeE-Mail :Website :

äGQÉe’G ádhO ‘ ΩÉ©dG ôjóŸG ¿ƒ∏jO ÒÑfÉe ó«°ùdG

Mr. Manbir Dhillon Acting General Manager in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°T SAMBAEADSwift code


á«dÉŸG ÉÑeÉ°S áYƒª› SAMBA FINANCIAL GROUP

General Management (outside UAE)È› ÊƒW

Tony Mojabber



¢VÉjôdG AL Riyadh ájOƒ©°ùdGá«Hô©dG áμ∏ªŸG K.S.A.

á«dÉŸG ÉÑeÉ°S áYƒª›SAMBA FINANCIAL GROUP

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Securities 0 0 0.00 äGQÉªãà°SG







Due to banks 0 200,000 0.00 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh



Long-term loans - 0.00 πLC’G á∏jƒW ¢Vhôb











2010 2011 GROWTH% النمو

Letters of credit 0 0 0.00 ájóæà°ùŸG äGOÉªàY’G


Others 548,312 944,509 72.26 iôNCG

Total contra accounts 894,009 1,368,629 53.09 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›

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Taxation (17101) (21148) 23.67 ÖFGô°†dG












SAMBA FINANCIAL GROUP á«dÉŸG ÉÑeÉ°S áYƒª›

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äGQÉeE’G ádhO ‘ ¢ù«°SCÉàdG ïjQÉJ 2008Date of Establishment in UAE





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âfÎf’G ≈∏Y ™bƒŸGwww.nbk.comE-Mail :Website :

äGQÉe’G ádhO ‘ ΩÉ©dG ôjóŸG∞°†ŸG ¥QÉW ó«°ùdG

Mr. Tareq Al Mudhaf General Manager in UAE

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âjƒμdGKuwaitâjƒμdGKuwait

»æWƒdG âjƒμdG ∂æHNATIONAL BANK OF KUWAIT

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Due to h.O. & B.Abroad 393,745 1,311,196 233.01 êQÉÿÉH ´hôah »°ù«FôdG õcôª∏d Üƒ∏£e






Legal reserves - 943 0.00 ÊƒfÉb »WÉ«àMG

Other reserves - 2624 0.00 iôNCG äÉ«WÉ«àMG

Retained earnings -1,310 7,173 0.00 IQhóe ìÉHQCG








Others 88,315 86,677 -1.85 iôNCG

Total contra accounts 114,063 93,886 -17.69 á«eÉ¶ædG äÉHÉ°ù◊G ´ƒª›

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Provision & other expenses - (1,750) 0.00 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG

Net profit before taxation 612 9,426 1440.20 ÖFGô°†dG πÑb ìÉHQC’G ‘É°U

Taxation - - 0.00 ÖFGô°†dG

Net profit for the year 612 9,426 1440.20 áæ°ùdG ìÉHQCG ‘É°U

Retained earning bruoght forward -1,922 -1,310 -31.84 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG


Profit available for appropriation -1,310 8,116 0.00 ™jRƒà∏d á∏HÉ≤dG ìÉHQC’G


Legal reserves 0 0 0.00 ÊƒfÉb »WÉ«àMG




Others 0 (943) 0.00 iôNCG

Retained earnings carried forward -1,310 7,173 0.00 áeOÉ≤dG áæ°ù∏d IQhóe ìÉHQCG

NATIONAL BANK OF KUWAIT »æWƒdG âjƒμdG ∂æH

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äGQÉeE’G ádhO ‘ ¢ù«°SCÉàdG ïjQÉJ 2007Date of Establishment in UAE






[email protected]

E-Mail :Website :

äGQÉe’G ádhO ‘ »ª«∏bE’G ôjóŸGÊƒÑ∏◊G ójR /ó«°ùdG

Mr. Zaid Al Halbouni Cheif Country Manager in UAE

‹ÉŸG äÓjƒëàdG ΩÉ¶f IôØ°TDOHBAEAD Swift Code

(äGQÉe’G êQÉN) ∂æÑ∏d áeÉ©dG IQGOE’GDoha BankGeneral Management (outside UAE)

…ò«ØæàdG ¢ù«FôdGRaghavan Seetharaman

¿ÉeQò«°S ¿ÉaÉLGQ /ó«°ùdGChief Executive Officer



áMhódGDohaô£bQatar

áMhódG ∂æHDOHA BANK

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Due from banks - - 0.00 ±QÉ°üª∏d áæjóe Ió°UQCGh ™FGOh



Loans, advances and overdraft 436,857 1,038,351 137.69 ±ƒ°ûμŸG ≈∏Y Öë°ùdG h ∞∏°ùdGh ¢Vhô≤dG



Total assets 727,754 1,428,535 96.29 äGOƒLƒŸG ‹ÉªLG



Due to banks - 35,000 0.00 ±QÉ°üª∏d áæFGO Ió°UQCGh ™FGOh




Total liabilities 594,255 1,008,877 69.77 äÉHƒ∏£ŸG ‹ÉªLG



Legal reserves 993 2,109 112.39 ÊƒfÉb »WÉ«àMG




Total liabilities & shareholders› equity 727,754 1,428,535 96.29 ÚªgÉ°ùŸG ¥ƒ≤Mh äÉHƒ∏£ŸG ‹ÉªLG





Guarantees & acceptances 925,695 1,245,122 34.51 ä’ƒÑ≤dGh äÉfÉª°†dG

Others 324,933 36,730 -88.70 iôNCG


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Interest income 41089 51095 24.35 áæFGódG óFGƒØdG

Interest expenses (18918) (15514) -17.99 áæjóŸG óFGƒØdG


Other income 21929 26396 20.37 iôNC’G äGOGôj’G


General and administrative expenses (16159) (17707) 9.58 á«eƒª©dGh ájQGO’G ∞jQÉ°üŸG

Provision & other expenses (21622) (28266) 30.73 iôNC’G äÉahô°üŸGh äÉ°ü°üîŸG


Taxation (1353) (4845) 258.09 ÖFGô°†dG


Retained earning bruoght forward 3036 7506 147.23 á≤HÉ°ùdG áæ°ùdG øe IQhóe ìÉHQCG










DOHA BANK áMhódG ∂æH

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