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BANQUE SAUDI FRANSI CONSOLIDATED BALANCE SHEET As at December 31, 2008 and 2007 - page 22 / 51

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BANQUE SAUDI FRANSI

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS For the years ended December 31, 2008 and 2007 _______________________________________________________________________________________________

  • c)

    Credit quality of loans and advances

  • i)

    Neither past due nor impaired

Very strong quality including sovereign (A+ to B and S )

541,169

2,121

3,520

10,679,464

479,322

11,705,596

Good quality (C+ to C)

795,298

1,011

3,976

7,882,268

1,172,726

9,855,279

Satisfactory quality (C- to E +)

4,130,797

274,053

2,775,208

26,971,248

1,965,663

36,116,969

Special mention

62,509

1,408

2,686

829,138

53,590

949,331

Total

5,529,773

278,593

2,785,390

46,362,118

3,671,301

58,627,175

Very strong quality: Capitalization, earnings, financial strength, liquidity, management, market reputation and repayment ability are excellent.

Good quality: Capitalization, earnings, financial strength, liquidity, management, market reputation and repayment ability are good.

Satisfactory quality: Facilities require regular monitoring due to financial risk factors. Ability to repay remains at a satisfactory level.

Special mention: Facilities require close attention of management due to deterioration in the borrowers’ financial condition. However, repayment is currently protected

666,676

1,286

3,198

15,060,890

429,690

16,161,740

1,410,922

1,578

11,687

13,810,155

4,045,199

19,279,541

3,216,502

302,723

3,545,890

33,220,924

1,960,548

42,246,587

60,930

1,694

2,184

1,150,085

55,848

1,270,741

5,355,030

307,281

3,562,959

63,242,054

6,491,285

78,958,609

Over Draft

Credit Cards

Over Draft

Credit Cards

SAR’ 000

Very strong quality including sovereign (A+ to B and S )

Good quality (C+ to C)

Satisfactory quality (C- to E +)

Special mention

Total

SAR’ 000

Others

Total

Total

2008 Consumer Commercial

Loans

Loans

2007

Others

Consumer

Commercial

Loans

Loans

22

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