Français/English - Arab Banking Corporation, ALGERIA

Risk Management
2. Breakdown of commitments by Business Sector
This year, the business sector represents the highest amount of the bank’s total commitments. It increased from 19.25% in 2011
to 32.99% in 2012. It should be noted that the second highest amount represents deposits with the central bank with an amount
of USD300.61, i.e. 32.61% of the bank’s total portfolio.
Industry 31 DEC 2011 31 DEC 2012
Exposure % Exposure %
Agriculture/Forestry/Fisheries 0,36 0,04 0 0,00
Energy and water supply industries 2,51 0,30 0 0,00
Manufacturing industries 124,50 14,77 68,31 7,41
Construction 39,53 4,69 35,06 3,80
Distribution & hotels 169,62 20,12 2,64 0,29
Trading 162,24 19,25 304,09 32,99
Transport 0,00 0 0,00
Communications 22,33 2,65 4,2 0,46
Financial 80,00 9,49 178,3 19,34
Business/services 0,00 0,00
Private individuals 37,80 4,48 28,5 3,09
Governments 204,11 24,21 300,61 32,61
Total 843 100 922 100
3. Breakdown of commitments by tenor (maturity)
86% of commitments are for one year and under in 2012. For the Medium-Term loans, they have slightly increased compared to 2011:
USD123 million in 2011 compared to USD55 million in 2011
Tenor 31 DEC 2011 31 DEC 2012
Exposure % Exposure %
< 1 year 788 93 794 86
1 to 3 years 48 6 77 8
3 to 5 years 7 1 46 5
> 5 years - 0 4 0
Total 843 100 922 100
4. Recovery
In terms of recovery, the bank achieved, at the end of 2012, the amount of DZD128 million in debts recovered:
- With regard to corporate, the amount recovered is DZD93 million, of which DZD59 million in principal, and DZD12 million in interest,
while provision reversals were DZD22 million.
- With regard to Retail, the amount covered is DZD35 million, of which DZD 4million in principal, and DZD 1million in interest, while the
rest, that is DZD 30million, is related to compensation received from the insurance company that covers claims for this type of credit.
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