Financial Results : Saudi Fransi H1 profit up 19% to SAR 2.1 bln

Saudi Fransi H1 profit up 19% to SAR 2.1 bln

08/07/2015 Argaam Exclusive

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Banque Saudi Fransi’s net profit in the first half of 2015 rose 19 percent to SAR 2.066 billion, compared to SAR 1.74 billion during the same period last year, the bank said in a statement to Tadawul.



Financials (M)

Item 6m 2014 6m 2015 Change‬
Net Special Commission Income 1,866.41 1,979.04 6.0 %
Operating Income 2,879.50 3,168.84 10.0 %
Total Provisions (213.95) (80.17) 62.5 %
Net Income 1,740.02 2,066.21 18.7 %
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 1.44 1.71 18.7 %
EPS Diluted (Riyals) 1.44 1.71 18.7 %

 

The bank attributed the increase to higher operating income.

 

Second quarter profit stood at SAR 1.01 billion, compared to SAR 1.05 billion in the previous quarter (Q1-2015).



Current Quarter Comparison (M)

Compared With The
Item Q2 2014 Q2 2015 Change‬
Net Special Commission Income 969.86 1,016.15 4.8 %
Operating Income 1,478.33 1,578.73 6.8 %
Debt Provisions (105.37) (42.97) 59.2 %
Net Income 884.24 1,015.83 14.9 %
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 0.73 0.84 14.9 %
EPS Diluted (Riyal) 0.73 0.84 15.1 %

Balance Sheet (B)

Item 6m 2014 6m 2015 Change‬
Assets 184.31 185.95 0.9 %
Customer Deposits 134.41 142.63 6.1 %
Loan 117.39 125.04 6.5 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2006 485.14 15.9 % 1,097.91 71.1 % (22.23) 50.8 %
Q2 2006 492.16 17.4 % 1,036.44 31.8 % (22.63) 36.0 %
Q3 2006 514.33 17.7 % 971.84 20.0 % (21.81) 6.4 %
Q4 2006 525.24 21.8 % 832.64 (2.7 %) (23.82) 23.2 %
Q1 2007 537.17 10.7 % 924.12 (15.8 %) (15.68) 29.5 %
Q2 2007 571.80 16.2 % 953.82 (8.0 %) 3.57 115.8 %
Q3 2007 578.10 12.4 % 896.38 (7.8 %) (10.75) 50.7 %
Q4 2007 602.33 14.7 % 920.14 10.5 % (19.15) 19.6 %
Q1 2008 702.60 30.8 % 1,034.18 11.9 % (20.89) (33.2 %)
Q2 2008 615.82 7.7 % 1,076.06 12.8 % (9.82) (375.3 %)
Q3 2008 684.13 18.3 % 1,136.15 26.7 % 15.29 242.2 %
Q4 2008 818.04 35.8 % 1,145.25 24.5 % (78.84) (311.7 %)
Q1 2009 767.49 9.2 % 1,078.23 4.3 % (46.13) (120.8 %)
Q2 2009 757.15 23.0 % 1,096.33 1.9 % (119.85) (1,120.3 %)
Q3 2009 757.65 10.7 % 1,057.16 (7.0 %) (57.57) (476.6 %)
Q4 2009 768.00 (6.1 %) 1,063.19 (7.2 %) (351.07) (345.3 %)
Q1 2010 723.08 (5.8 %) 1,072.06 (0.6 %) (53.89) (16.8 %)
Q2 2010 776.31 2.5 % 1,154.60 5.3 % (83.97) 29.9 %
Q3 2010 777.63 2.6 % 1,084.45 2.6 % (154.95) (169.2 %)
Q4 2010 788.84 2.7 % 1,084.12 2.0 % (46.53) 86.7 %
Q1 2011 757.46 4.8 % 1,150.27 7.3 % (22.22) 58.8 %
Q2 2011 788.65 1.6 % 1,162.67 0.7 % (23.46) 72.1 %
Q3 2011 808.30 3.9 % 1,164.10 7.3 % (56.48) 63.5 %
Q4 2011 782.65 (0.8 %) 1,107.74 2.2 % (55.75) (19.8 %)
Q1 2012 801.81 5.9 % 1,220.21 6.1 % (61.27) (175.7 %)
Q2 2012 843.93 7.0 % 1,282.80 10.3 % (141.65) (503.9 %)
Q3 2012 825.99 2.2 % 1,220.25 4.8 % (174.37) (208.7 %)
Q4 2012 834.04 6.6 % 1,286.30 16.1 % (77.89) (39.7 %)
Q1 2013 799.24 (0.3 %) 1,205.05 (1.2 %) (127.84) (108.7 %)
Q2 2013 830.50 (1.6 %) 1,282.64 0.0 % (107.59) 24.0 %
Q3 2013 869.60 5.3 % 1,284.06 5.2 % (169.01) 3.1 %
Q4 2013 863.96 3.6 % 1,280.78 (0.4 %) (552.98) (609.9 %)
Q1 2014 896.55 12.2 % 1,401.17 16.3 % (108.57) 15.1 %
Q2 2014 969.86 16.8 % 1,478.33 15.3 % (105.37) 2.1 %
Q3 2014 980.13 12.7 % 1,486.66 15.8 % (72.55) 57.1 %
Q4 2014 970.45 12.3 % 1,419.88 10.9 % (34.44) 93.8 %
Q1 2015 962.89 7.4 % 1,590.11 13.5 % (37.20) 65.7 %
Q2 2015 1,016.15 4.8 % 1,578.73 6.8 % (42.97) 59.2 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2006 881.67 105.1 % 0.73 - 881.67 0.73
Q2 2006 803.73 39.9 % 0.67 - 803.73 0.67
Q3 2006 739.36 22.5 % 0.61 - 739.36 0.61
Q4 2006 582.18 (4.2 %) 0.48 - 582.18 0.48
Q1 2007 689.63 (21.8 %) 0.57 - 689.63 0.57
Q2 2007 727.85 (9.4 %) 0.60 - 727.85 0.60
Q3 2007 653.11 (11.7 %) 0.54 - 653.11 0.54
Q4 2007 640.52 10.0 % 0.53 - 640.52 0.53
Q1 2008 732.48 6.2 % 0.61 - 732.48 0.61
Q2 2008 774.11 6.4 % 0.64 - 774.11 0.64
Q3 2008 727.74 11.4 % 0.60 - 727.74 0.60
Q4 2008 571.33 (10.8 %) 0.47 - 571.33 0.47
Q1 2009 740.75 1.1 % 0.61 - 740.75 0.61
Q2 2009 691.76 (10.6 %) 0.57 - 691.76 0.57
Q3 2009 714.32 (1.8 %) 0.59 - 714.32 0.59
Q4 2009 323.78 (43.3 %) 0.27 - 323.78 0.27
Q1 2010 713.64 (3.7 %) 0.59 - 713.64 0.59
Q2 2010 756.90 9.4 % 0.63 - 756.90 0.63
Q3 2010 621.50 (13.0 %) 0.52 - 621.50 0.52
Q4 2010 708.96 119.0 % 0.59 - 708.96 0.59
Q1 2011 716.75 0.4 % 0.59 - 716.75 0.59
Q2 2011 773.43 2.2 % 0.64 - 773.43 0.64
Q3 2011 759.83 22.3 % 0.63 - 759.83 0.63
Q4 2011 660.93 (6.8 %) 0.55 - 660.93 0.55
Q1 2012 788.90 10.1 % 0.65 - 788.90 0.65
Q2 2012 757.21 (2.1 %) 0.63 - 757.21 0.63
Q3 2012 661.53 (12.9 %) 0.55 - 661.53 0.55
Q4 2012 807.50 22.2 % 0.67 - 807.50 0.67
Q1 2013 683.86 (13.3 %) 0.57 - 683.86 0.57
Q2 2013 762.64 0.7 % 0.63 - 762.64 0.63
Q3 2013 685.44 3.6 % 0.57 - 685.44 0.57
Q4 2013 273.65 (66.1 %) 0.23 - 273.65 0.23
Q1 2014 855.78 25.1 % 0.71 - 855.78 0.71
Q2 2014 884.24 15.9 % 0.73 - 884.24 0.73
Q3 2014 925.61 35.0 % 0.77 - 925.61 0.77
Q4 2014 850.71 210.9 % 0.71 - 850.71 0.71
Q1 2015 1,050.38 22.7 % 0.87 - 1,050.38 0.87
Q2 2015 1,015.83 14.9 % 0.84 - 1,015.83 0.84

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2006 3.95 % 39.30 % 49.93 %
Q2 2006 4.09 % 41.34 % 48.56 %
Q3 2006 4.18 % 39.43 % 48.53 %
Q4 2006 4.09 % 36.25 % 51.20 %
Q1 2007 3.54 % 31.84 % 54.95 %
Q2 2007 3.37 % 30.82 % 58.35 %
Q3 2007 3.19 % 27.35 % 61.33 %
Q4 2007 3.02 % 26.26 % 61.97 %
Q1 2008 2.80 % 25.43 % 64.52 %
Q2 2008 2.77 % 25.18 % 63.64 %
Q3 2008 2.72 % 24.40 % 62.52 %
Q4 2008 2.49 % 22.19 % 64.23 %
Q1 2009 2.39 % 21.09 % 65.05 %
Q2 2009 2.30 % 20.06 % 67.93 %
Q3 2009 2.24 % 18.95 % 70.83 %
Q4 2009 2.01 % 16.59 % 71.02 %
Q1 2010 1.99 % 15.91 % 70.09 %
Q2 2010 2.06 % 15.81 % 69.59 %
Q3 2010 1.99 % 14.44 % 69.61 %
Q4 2010 2.30 % 16.61 % 69.75 %
Q1 2011 2.26 % 16.71 % 69.30 %
Q2 2011 2.22 % 15.95 % 69.45 %
Q3 2011 2.35 % 15.97 % 68.91 %
Q4 2011 2.21 % 15.46 % 68.42 %
Q1 2012 2.15 % 15.54 % 68.35 %
Q2 2012 2.11 % 14.90 % 67.79 %
Q3 2012 2.01 % 13.83 % 67.36 %
Q4 2012 2.02 % 14.24 % 65.99 %
Q1 2013 1.85 % 13.24 % 66.14 %
Q2 2013 1.86 % 13.15 % 65.87 %
Q3 2013 1.82 % 12.93 % 65.90 %
Q4 2013 1.47 % 10.48 % 66.57 %
Q1 2014 1.48 % 10.85 % 65.93 %
Q2 2014 1.54 % 11.20 % 66.12 %
Q3 2014 1.67 % 12.12 % 65.71 %
Q4 2014 1.96 % 14.15 % 65.97 %
Q1 2015 1.96 % 14.22 % 64.99 %
Q2 2015 2.08 % 14.45 % 64.68 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2006 73.57 19.4 % 56.91 20.8 % 44.60 20.2 %
Q2 2006 75.45 13.8 % 56.92 12.8 % 46.41 22.9 %
Q3 2006 75.87 9.3 % 58.52 18.7 % 49.32 14.3 %
Q4 2006 79.58 17.9 % 62.00 21.3 % 51.13 19.0 %
Q1 2007 85.29 15.9 % 65.51 15.1 % 51.18 14.7 %
Q2 2007 87.22 15.6 % 65.22 14.6 % 50.94 9.8 %
Q3 2007 90.28 19.0 % 66.48 13.6 % 57.05 15.7 %
Q4 2007 99.81 25.4 % 74.01 19.4 % 59.85 17.1 %
Q1 2008 111.31 30.5 % 78.44 19.7 % 68.45 33.8 %
Q2 2008 115.15 32.0 % 85.38 30.9 % 76.05 49.3 %
Q3 2008 121.01 34.0 % 83.96 26.3 % 79.12 38.7 %
Q4 2008 125.86 26.1 % 92.79 25.4 % 80.87 35.1 %
Q1 2009 123.87 11.3 % 91.62 16.8 % 81.30 18.8 %
Q2 2009 122.82 6.7 % 90.31 5.8 % 81.38 7.0 %
Q3 2009 121.72 0.6 % 90.22 7.5 % 81.32 2.8 %
Q4 2009 120.57 (4.2 %) 91.24 (1.7 %) 78.32 (3.2 %)
Q1 2010 121.25 (2.1 %) 87.71 (4.3 %) 79.58 (2.1 %)
Q2 2010 120.56 (1.8 %) 92.23 2.1 % 81.94 0.7 %
Q3 2010 120.96 (0.6 %) 91.29 1.2 % 81.46 0.2 %
Q4 2010 123.22 2.2 % 93.53 2.5 % 80.98 3.4 %
Q1 2011 126.55 4.4 % 96.03 9.5 % 83.94 5.5 %
Q2 2011 133.74 10.9 % 99.71 8.1 % 85.20 4.0 %
Q3 2011 130.97 8.3 % 97.75 7.1 % 89.72 10.1 %
Q4 2011 140.48 14.0 % 109.96 17.6 % 92.33 14.0 %
Q1 2012 150.48 18.9 % 112.60 17.3 % 97.48 16.1 %
Q2 2012 147.09 10.0 % 108.94 9.3 % 100.52 18.0 %
Q3 2012 154.97 18.3 % 116.85 19.5 % 102.22 13.9 %
Q4 2012 157.78 12.3 % 115.57 5.1 % 102.79 11.3 %
Q1 2013 163.99 9.0 % 119.26 5.9 % 105.81 8.6 %
Q2 2013 165.78 12.7 % 124.58 14.3 % 110.24 9.7 %
Q3 2013 168.04 8.4 % 124.96 6.9 % 112.57 10.1 %
Q4 2013 170.06 7.8 % 131.60 13.9 % 111.31 8.3 %
Q1 2014 184.28 12.4 % 137.91 15.6 % 114.84 8.5 %
Q2 2014 184.31 11.2 % 134.41 7.9 % 117.39 6.5 %
Q3 2014 183.24 9.0 % 131.94 5.6 % 118.22 5.0 %
Q4 2014 188.78 11.0 % 145.28 10.4 % 116.54 4.7 %
Q1 2015 193.88 5.2 % 150.21 8.9 % 120.79 5.2 %
Q2 2015 185.95 0.9 % 142.63 6.1 % 125.04 6.5 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2006 77.36 % 60.62 % 78.36 %
Q2 2006 75.44 % 61.50 % 81.53 %
Q3 2006 77.13 % 65.00 % 84.28 %
Q4 2006 77.91 % 64.25 % 82.47 %
Q1 2007 76.81 % 60.01 % 78.12 %
Q2 2007 74.77 % 58.41 % 78.12 %
Q3 2007 73.64 % 63.19 % 85.81 %
Q4 2007 74.15 % 59.97 % 80.87 %
Q1 2008 70.46 % 61.49 % 87.27 %
Q2 2008 74.15 % 66.04 % 89.07 %
Q3 2008 69.38 % 65.38 % 94.23 %
Q4 2008 73.72 % 64.25 % 87.15 %
Q1 2009 73.97 % 65.63 % 88.73 %
Q2 2009 73.53 % 66.26 % 90.11 %
Q3 2009 74.12 % 66.81 % 90.14 %
Q4 2009 75.67 % 64.95 % 85.84 %
Q1 2010 72.34 % 65.63 % 90.73 %
Q2 2010 76.50 % 67.96 % 88.84 %
Q3 2010 75.47 % 67.34 % 89.23 %
Q4 2010 75.91 % 65.72 % 86.58 %
Q1 2011 75.89 % 66.33 % 87.41 %
Q2 2011 74.55 % 63.71 % 85.45 %
Q3 2011 74.64 % 68.50 % 91.78 %
Q4 2011 78.28 % 65.72 % 83.96 %
Q1 2012 74.83 % 64.78 % 86.57 %
Q2 2012 74.07 % 68.34 % 92.27 %
Q3 2012 75.40 % 65.96 % 87.48 %
Q4 2012 73.25 % 65.15 % 88.94 %
Q1 2013 72.72 % 64.52 % 88.73 %
Q2 2013 75.14 % 66.49 % 88.49 %
Q3 2013 74.36 % 66.99 % 90.09 %
Q4 2013 77.39 % 65.45 % 84.58 %
Q1 2014 74.84 % 62.32 % 83.27 %
Q2 2014 72.92 % 63.69 % 87.34 %
Q3 2014 72.00 % 64.52 % 89.60 %
Q4 2014 76.96 % 61.73 % 80.22 %
Q1 2015 77.47 % 62.30 % 80.42 %
Q2 2015 76.70 % 67.24 % 87.67 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2006 1,205.36 2.21 2.21 - 6.44
Q2 2006 1,205.36 2.40 2.40 - 6.58
Q3 2006 1,205.36 2.52 2.52 - 7.31
Q4 2006 1,205.36 2.49 2.49 - 7.80
Q1 2007 1,205.36 2.34 2.34 - 8.23
Q2 2007 1,205.36 2.27 2.27 - 8.17
Q3 2007 1,205.36 2.20 2.20 - 8.78
Q4 2007 1,205.36 2.25 2.25 - 9.33
Q1 2008 1,205.36 2.28 2.28 - 9.74
Q2 2008 1,205.36 2.32 2.32 - 10.29
Q3 2008 1,205.36 2.39 2.39 - 10.77
Q4 2008 1,205.36 2.33 2.33 - 11.65
Q1 2009 1,205.36 2.33 2.33 - 12.41
Q2 2009 1,205.36 2.27 2.27 - 12.30
Q3 2009 1,205.36 2.26 2.26 - 13.03
Q4 2009 1,205.36 2.05 2.05 - 13.05
Q1 2010 1,205.36 2.03 2.03 - 13.08
Q2 2010 1,205.36 2.08 2.08 - 14.02
Q3 2010 1,205.36 2.00 2.00 - 14.74
Q4 2010 1,205.36 2.32 2.32 - 14.94
Q1 2011 1,205.36 2.33 2.33 - 14.76
Q2 2011 1,205.36 2.34 2.34 - 15.33
Q3 2011 1,205.36 2.45 2.45 - 16.01
Q4 2011 1,205.36 2.42 2.42 - 16.31
Q1 2012 1,205.36 2.47 2.47 - 17.08
Q2 2012 1,205.36 2.46 2.46 - 17.71
Q3 2012 1,205.36 2.38 2.38 - 18.41
Q4 2012 1,205.36 2.50 2.50 - 18.82
Q1 2013 1,205.36 2.41 2.41 - 19.38
Q2 2013 1,205.36 2.42 2.42 - 19.08
Q3 2013 1,205.36 2.44 2.44 - 19.31
Q4 2013 1,205.36 2.00 2.00 - 19.26
Q1 2014 1,205.36 2.14 2.14 - 20.03
Q2 2014 1,205.36 2.24 2.24 - 20.92
Q3 2014 1,205.36 2.44 2.44 - 20.94
Q4 2014 1,205.36 2.92 2.92 2.92 21.96
Q1 2015 1,205.36 3.08 3.08 3.08 23.28
Q2 2015 1,205.36 3.19 3.19 3.19 23.19

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2006 25.45 25.45 8.75
Q2 2006 19.70 19.70 7.20
Q3 2006 16.43 16.43 5.65
Q4 2006 15.50 15.50 4.96
Q1 2007 14.15 14.15 4.01
Q2 2007 12.74 12.74 3.54
Q3 2007 15.97 15.97 4.00
Q4 2007 24.03 24.03 5.80
Q1 2008 16.91 16.91 3.97
Q2 2008 15.43 15.43 3.48
Q3 2008 13.61 13.61 3.01
Q4 2008 9.05 9.05 1.81
Q1 2009 11.10 11.10 2.09
Q2 2009 10.67 10.67 1.97
Q3 2009 11.97 11.97 2.07
Q4 2009 11.91 11.91 1.87
Q1 2010 13.91 13.91 2.16
Q2 2010 12.45 12.45 1.85
Q3 2010 14.28 14.28 1.94
Q4 2010 11.54 11.54 1.80
Q1 2011 12.43 12.43 1.96
Q2 2011 11.36 11.36 1.73
Q3 2011 9.48 9.48 1.45
Q4 2011 10.46 10.46 1.55
Q1 2012 12.03 12.03 1.74
Q2 2012 10.18 10.18 1.41
Q3 2012 9.80 9.80 1.27
Q4 2012 8.82 8.82 1.17
Q1 2013 9.48 9.48 1.18
Q2 2013 10.05 10.05 1.27
Q3 2013 10.52 10.52 1.33
Q4 2013 13.12 13.12 1.36
Q1 2014 14.21 14.21 1.52
Q2 2014 13.62 13.62 1.46
Q3 2014 15.70 15.70 1.83
Q4 2014 10.73 10.73 1.43
Q1 2015 10.84 10.84 1.44
Q2 2015 10.08 10.08 1.39

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage
Q1 2006 672.81 248.75 176.35 -
Q2 2006 633.54 230.76 172.14 -
Q3 2006 544.59 238.10 189.14 -
Q4 2006 410.69 261.19 160.76 -
Q1 2007 439.52 266.97 217.63 -
Q2 2007 426.70 300.80 226.32 -
Q3 2007 397.98 298.24 206.85 -
Q4 2007 (67.89) 328.15 173.43 479.77
Q1 2008 312.18 385.69 250.05 86.25
Q2 2008 331.21 412.43 266.82 65.60
Q3 2008 316.63 384.30 388.29 46.94
Q4 2008 290.00 422.72 388.73 43.80
Q1 2009 320.74 489.90 226.82 40.77
Q2 2009 340.57 487.33 206.22 62.22
Q3 2009 331.68 502.37 188.58 34.54
Q4 2009 317.41 501.17 206.70 37.92
Q1 2010 331.34 480.68 229.08 30.96
Q2 2010 347.52 527.15 243.00 36.93
Q3 2010 330.04 517.53 212.67 24.21
Q4 2010 340.61 511.65 206.29 25.57
Q1 2011 367.46 530.56 217.35 34.90
Q2 2011 381.72 543.18 170.88 66.89
Q3 2011 402.17 566.50 157.05 38.38
Q4 2011 405.85 514.09 126.89 60.91
Q1 2012 358.44 567.86 197.30 96.61
Q2 2012 363.63 590.66 233.87 94.64
Q3 2012 349.45 572.22 205.98 92.59
Q4 2012 343.54 606.64 283.57 52.55
Q1 2013 356.29 629.23 149.70 69.83
Q2 2013 365.86 637.15 201.95 77.68
Q3 2013 363.05 637.84 220.42 62.75
Q4 2013 365.16 614.76 234.13 66.73
Q1 2014 359.17 641.86 317.26 82.88
Q2 2014 363.90 677.81 323.07 113.54
Q3 2014 358.79 710.77 327.64 89.46
Q4 2014 337.63 710.37 295.37 76.51
Q1 2015 356.05 751.84 394.64 87.58
Q2 2015 384.66 783.42 310.86 99.80

Analysts Estimates (Million)

Item Q2 2015 (e) Q2 2015 (a) Change‬
Average 951.65 1,015.83 6.74 %

Estimates vs Actual (Million)

Item Q2 2015 (e) Q2 2015 (a) Change
Alistithmar Capital 973.70 1,015.83 4.3 %
OSOOL AND BAKHEET 929.60 1,015.83 9.3 %


Financial Ratios
Current
Market Cap (M Riyal) 37,427.67
Shares Outstanding ((M)) 1,205.40
EPS ( Riyal) (TTM) 3.53
EPS Diluted ( Riyal) (TTM) 3.35
Book Value (BV) ( Riyal) 31.62
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 8.80
P/E (TTM) 8.80
Price/book 0.98
Return on Average Assets (%) (TTM) 1.6
Return on Average Equity (%) (TTM) 11.8
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Share Price

Banque Saudi Fransi
31.05
(0.15) (0.48 %)

Banque Saudi Fransi (BSF)

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