Société Générale de Banque au Liban sal (SGBL) is a joint stock company

incorporated in 1953,with a term of99 years. It is registered with the Commercial

Registry of Beirut under No. 3696 and registered under No.19 on the list of banks
licensed by Banque du Liban, the Central bank of Lebanon. SGBL is active in all
banking business lines and supplies retail, corporate and private banking services.
In addition they offer an array of specialized products and services among which
insurance and leasing. Their strategy focuses on two objectives. In each of their
business lines, the teams are entirely dedicated to ensure that clients' needs are
appropriately catered to through the wide range and the high quality of products
and services made available to them. SGBL is part of the international network of
SOCIETE GENERALE, one of the leading financial services groups in the euro
zone, which operates in 83 countries world wide. SGBL's strategy is also based on
plans to expand both domestically and regionally. With its core business anchored
in Lebanon, SGBL Group also operates in Jordan, Syria and Cyprus. Some of the
bank’s subsidiaries are therefore subject to supervision and examination by the
authorities in their respective countries and/or lines of business. 43*branches in
Lebanon, 16 branches in Jordan, 7 branches in Cyprus, 84 ATM’s, 43rd branch
opened in 2010.

In the previous project, we were analyzing the ROE of the SGBL bank and we
found that in year 2012 the bank managed to decrease his EM which is the measure
of the financial leverage, in other words how much the bank is operating in debt,
despite the decrease in EM, ROE increased so this bank was operating in a very
good way in 2012 by increasing his ROA. But still his expenses(non interest and
interest expenses) need to be improved.

Ratio analysis:
1) Credit risk:

A- Historical losses=(charge offs-recovery)/Total loans&leases

year 2010 2011 2012

total write-back 37,227 43,483 26,272
Total loans 2,117,907 4,392,643 4,369,579
Historical losses -0.0027 0.0018 0.0004