1st Quarter 2003 (Consolidated and Unaudited)
Byblos Bank S.A.L.Unaudited Financial Highlights and Key Ratios	Byblos Bank S.A.L.Unaudited Consolidated Statement of Income	Byblos Bank S.A.L.Unaudited Consolidated Balance Sheet
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Unaudited Consolidated Balance Sheet
	31/Mar/2002			31/Mar/2003
In LBP Million	LBP	C/V LBP	Total	LBP	C/V LBP	Total
ASSETS
Cash & Central Bank	195,006	621,625	816,631	419,596	723,091	1,142,687
Lebanese Government Securities	1,742,807	1,213,246	2,956,053	1,963,273	1,650,012	3,613,285
Bonds & Other Fixed Income Securities		100,110	100,110		54,257	54,257
Equities & Securities With Variable Income				5,422	1,911	7,333
Banks & Financial Institutions	21,195	1,298,124	1,319,319	77,556	1,224,116	1,301,672
- Current Accounts	(25)	(58,796)	(58,821)	(27)	(73,320)	(73,347)
- Time Deposits	(21,170)	(1,239,328)	(1,260,498)	(77,529)	(1,150,796)	(1,228,325)
Head Office & Branches, Parent Companies,		92	92
and Foreign Sister Financial Institutions
- Current Accounts		(92)	(92)
- Time Deposits
Net Advances To Customers (*)	168,521	1,362,600	1,531,121	215,376	1,600,968	1,816,344
- Commercial Loans	(37,164)	(677,260)	(714,424)	(40,905)	(830,433)	(871,338)
- Other Loans Granted to Customers	(126,226)	(631,104)	(757,330)	(173,825)	(708,509)	(882,334)
- Overdrafts	(2,472)	(9,325)	(11,797)	(1,616)	(10,981)	(12,597)
- Related Parties
- Net Non Performing Loans	(6,666)	(66,772)	(73,438)	(5,161)	(74,107)	(79,268)
- General Provisions on the Loan Portfolio	4,007	21,861	25,868	6,131	23,062	29,193
- Debtor Accounts Against Creditor Accounts
Bank Acceptances		97,227	97,227		114,110	114,110
Investment in Companies Under the Cost Method	5,683	2,799	8,482
Investment in Companies Under the Equity Method	8,958		8,958	10,859		10,859
Tangible Fixed Assets	82,038	26,319	108,357	109,219	22,730	131,949
Intangible Fixed Assets				2,303	45	2,348
Sundry Debtor	352	498	850	426	388	814
Regularization & Miscellaneous Debtor Accounts	11,830	15,358	27,188	13,834	5,044	18,878
Revaluation Variance of other fixed assets		15,722	15,722
Goodwill					20,840	20,840
TOTAL ASSETS	2,236,390	4,753,720	6,990,110	2,817,864	5,417,512	8,235,376
	31/Mar/2002	31/Mar/2003
(*) Loans that are not classified doubtful and non-performing include:
- Substandard loans net of reserved interest	48,883	74,942
(*) After deduction of:
- Specific provisions of doubtful and non-performing loans	85,059	98,635
- Reserved Interest of doubtful and non-performing loans	56,605	85,683
CONTRA ACCOUNTS
Commitments by signature received - Financial institutions	2,658	23,476	26,134	35	72,159	72,194
Commitments by signature received - Customers	114,056	2,293,119	2,407,175	130,925	3,094,485	3,225,410
Irrecoverable Loans Transferred to Off-BS	24,047	35,669	59,716	25,006	22,165	47,171

 

UNAUDITED CONSOLIDATED BALANCE SHEET
	31/Mar/2002			31/Mar/2003
In LBP Million	LBP	C/V LBP	Total	LBP	C/V LBP	Total
LIABILITIES
Central Bank	111,022	459	111,481	98,151	6,569	104,720
Banks & Financial Institutions	2,176	485,270	487,446	395	436,002	436,397
- Current Accounts	(2,176)	(118,279)	(120,455)	(395)	(92,742)	(93,137)
- Time Deposits		(366,991)	(366,991)		(343,260)	(343,260)
Head Office & Branches, Parent Companies,					46	46
and Foreign Sister Financial Institutions
- Current Accounts					(46)	(46)
- Time Deposits
Customer Deposits	1,779,938	3,719,561	5,499,499	2,372,738	4,233,495	6,606,233
- Sight Deposits	(111,967)	(361,162)	(473,129)	(161,568)	(422,250)	(583,818)
- Time Deposits	(148,157)	(744,162)	(892,319)	(309,789)	(1,123,902)	(1,433,690)
- Saving Deposits	(1,519,382)	(2,559,230)	(4,078,612)	(1,900,947)	(2,626,342)	(4,527,290)
- Related Parties	(432)	(31,896)	(32,328)	(434)	(37,727)	(38,161)
- Net Creditor & Cash Collateral Accounts Against Debtor Accounts		(23,111)	(23,111)		(23,274)	(23,274)
Bank Acceptances		97,227	97,227		114,110	114,110
Bonds & Other Short Term Debt Instruments		192,591	192,591		4,589	4,589
- Certificates of Deposits		(192,591)	(192,591)		(4,589)	(4,589)
- Debt Securities
Sundry Liabilities	21,066	56,144	77,210	26,693	85,777	112,470
Regularization & Miscellaneous Creditor Accounts	18,147	4,147	22,294	13,964	170,872	184,836
Provisions For Risk & Charges	18,693	712	19,405	16,030	165	16,195
Subordinated loans		9,314	9,314	(1,170)	160,312	159,142
Revaluation Variance Accepted in Supplementary Capital	5,689		5,689	5,689		5,689
Issued & Paid Up Capital	246,028		246,028	246,028		246,028
Reserves for General Banking Risk	15,760		15,760	16,333	3,910	20,243
Reserves and Premiums	121,420		121,420	122,791	10,548	133,339
Profit Carried Forward	5,125		5,125	951	2,689	3,640
Net Income for the Year	61,817		61,817	61,256	4,231	65,487
Profit & Loss Account	17,804		17,804	17,769		17,769
Minority Interest					7	7
Change in Fair Value					2,013	2,013
Goodwill				2,423		2,423
TOTAL LIABILITIES  AND  EQUITY	2,424,685	4,565,425	6,990,110	3,000,041	5,235,335	8,235,376
CONTRA ACCOUNTS
Engagements by Signature - Financial institutions	682	157,744	158,426		106,463	106,463
Engagements by Signature - Customers	32,148	238,999	271,147	41,027	254,480	295,507
Engagements  by financial instruments		4,146	4,146		3,392	3,392
TOTAL CONTRA ACCOUNTS	32,830	400,889	433,719	41,027	364,335	405,362

 

Financial Figures
• 3rd Quarter 2003 (Unaudited)	News Center • News • Events • Market Watch
• 1st Half 2003 (Unaudited)
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• Year 2002 (Audited)
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