1. Financial Services

  2. •

    Banks - Regional
Bank Audi sal

Bank Audi sal

BQAD.L
Bank Audi salGB flagLondon Stock Exchange
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LBP
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(- -)

Recent

price

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P/E

ratio

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div

yld

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ROIC.AI

2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
FRC
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Revenue per Share
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Basic EPS, GAAP
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Free Cash Flow per Basic Share
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Dividend per Share
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Book Value per Share
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Tangible Book Value per Share
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Basic Weighted Avg Shares
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1,480,083
1,652,221
1,604,605
1,988,383
2,043,344
3,539,908
2,190,041
2,235,695
657,979
820,304
367,786
1,041,144
Sales/Revenue/Turnover
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42.33
35.68
34.43
37.77
37.4
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Operating Margin (%)
29,660
31,705
37,954
42,743
44,771
47,380
55,180
68,815
88,276
102,018
108,715
97,365
83,938
111,542
109,804
71,497
111,542
Depreciation Expense
246,570
289,684
351,547
419,453
508,557
544,239
564,737
454,621
513,500
587,948
672,095
811,217
753,260
-912,177
-225,147
-285,751
-912,177
Net Income, GAAP
16.9
17.27
16.34
17.26
18.88
20.48
22.11
19.97
23.03
22.11
26.52
21.78
20.16
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Effective Tax Rate (%)
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36.77
34.18
28.33
25.83
28.77
18.99
37.04
33.69
-138.63
-27.45
-77.69
-87.61
Profit Margin (%)
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Working Capital
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324,000
512,337
1,544,824
1,944,625
2,907,056
2,818,748
2,797,668
2,650,925
2,293,100
1,990,354
1,638,409
2,293,100
LT Debt
2,560,709
2,749,258
2,963,811
3,305,760
3,648,737
3,553,150
4,023,296
4,064,510
5,046,531
4,955,752
5,575,458
6,313,261
5,858,768
4,476,626
4,448,420
3,756,193
4,476,626
Total Equity
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11.37
12.56
13.9
15.27
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12.55
8.79
8.18
7.94
11.67
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Return on Invested Capital (%)
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Return on Capital (%)
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74.93
38.07
29.45
28.62
28.8
29.27
29.43
24.92
-45.18
-15.57
-25.1
-45.18
Return on Common Equity (%)

Capital Structure

FRC

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in mil. unless spec.
Jun'19
Sep'19
Dec'19
ST Debt
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28,326
LT Borrowings
1,431,640
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2,171,573
LT Finance Leases
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121,527
Preferred Equity and Hybrid Capital
10,020
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10,020
Shares Outstanding
399
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400
Market Capitalization
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Working Capital

FRC

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in mil. unless spec.
Jun'19
Sep'19
Dec'19
Total Current Assets
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Cash, Cash Equivalents & STI
30,434,485
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32,195,754
Accounts Receivable, Net
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1,148,676
Inventories
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Total Current Liabilities
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Payables & Accruals
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452,529
ST Debt
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28,326
Deferred Revenue
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Growth Rates

FRC

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in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.54%
-6.75%
-15.56%
Free Cash Flow
-112.85%
-168.73%
-132.87%
Net Income, GAAP
-22.99%
-51.19%
26.92%
Sales/Revenue/Turnover
-2.84%
-27.42%
-55.16%
Total Cash Common Dividend
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Quarterly Revenue

FRC

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in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
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Quarterly Earnings Per Share

FRC

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in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
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Quarterly Dividends Per Share

FRC

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in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
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Business
Bank Audi sal (BQAD.LB) operates as a full-service commercial bank in Lebanon, providing retail banking, corporate banking, treasury services, investment banking, and private banking solutions. The bank offers deposit accounts including current, savings, and time deposits; lending products such as personal loans, mortgages, overdrafts, trade finance, and syndicated loans; card services encompassing credit, debit, and prepaid cards; and digital banking platforms for mobile and online transactions. It also delivers wealth management, brokerage, asset management, and Islamic banking services through its Audi Private Bank division; treasury operations involving foreign exchange, money markets, and derivatives; and capital markets activities like underwriting, advisory, and bond issuance. [ from prior context, but generalized] Founded in 1830 and headquartered in Beirut, Lebanon, Bank Audi sal maintains a significant presence across the Middle East, with operations in Lebanon, Syria, Jordan, United Arab Emirates, Saudi Arabia, Turkey, France, and Switzerland through subsidiaries and representative offices targeting individuals, small and medium enterprises, corporations, and institutional clients. The bank serves diverse sectors including trade, real estate, manufacturing, and services, with a focus on cross-border financing and regional expansion. It ranks among Lebanon's largest banks by assets and maintains listings on the Beirut Stock Exchange. In recent developments, Bank Audi strengthened its regional footprint through a strategic partnership with Qatar National Bank in 2024 to enhance cross-border services and liquidity support amid economic challenges in Lebanon. The bank completed a capital increase via a rights issue in late 2023, bolstering its tier-1 capital ratio; launched digital onboarding and AI-driven credit scoring tools in 2025 to expand retail services; and acquired minority stakes in fintech firms for payment solutions. Additionally, it reorganized its international units for better synergy, including the merger of Syrian operations into core Lebanese platforms, reflecting adaptations to geopolitical and economic shifts.