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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 Statement of Income
1st Quarter
2002		 1st Quarter
2003
In LBP Million
     
- Lebanese Government Securities 88,206 99,229
- Banks and Financial Institutions 19,302 19,241
- Head Office & Branches, Parent Company &     
  Foreign Sister Financial Institutions & Subsidiaries    
- Bonds and Other Fixed-Income Securities 2,179 1,961
- Advances to Customers 33,235 39,819
- Advances to Related Parties 0 0
- Others    
 
Total Interest Income 142,922 160,250
- Banks and Financial Institutions 5,218 5,002
- Head Office & Branches, Parent Company &     
Foreign Sister Financial Institutions & Subsidiaries    
- Customer Deposits and Other Creditor Accounts 88,331 99,056
- Related Parties Deposits 1,202 589
- Subordinated and Permanent Loans 174 4,380
- Certificates of Deposits 3,795 93
- Debt Instruments    
 
Total Interest Expenses 98,720 109,120
Net Interest Income Before Provisions 44,202 51,130
- Provisions for Doubtful Loans 2,641 4,783
- Provisions for General Banking Risk    
- Recoveries from Provisions for Doubtful Loans -406 -814
 
Net Provisions for Doubtful Loans 2,235 3,969
Net Interest Income After Provisions   41,967 47,161
Shares, participations, and other financial instruments with variable income. 147 474
- Commission Received 8,416 8,183
- Commission Paid 344 425
 
Net Commissions Received 8,072 7,758
- Gain on Trading Secuirties   780
- Gain on Investment Securities    
- Gain on Foreign Exchange 1,027 1,114
Total Gain From Financial Operations 1,027 1,894
 
- Loss on Trading Securities 553 1
- Loss on Investment Securities    
- Loss on Foreign Exchange    
Total Loss From Financial Operations 553 1
Other Operating Income  281 329
Other Operating Expenses 0 0
- Salaries and Employee Benefits 15,696 18,352
- Other Operating Expenses 9,706 12,135
 
Operating Expenses 25,402 30,487
Depreciation, Amortization, and Provision for Tangible and Intangible Assets 3,191 4,162
Net Provisions on Financial Fixed Assets 0 0
 
NET OPERATING INCOME   22,348 22,966
- Extraordinary Income 33 1,274
-Extraordinary Expenses 973 2,731
Net Extraordinary Income -940 -1,457
Income Taxes 3,604 4,251
- Financial Companies    
- Non Financial Companies   511
Dividends Received 0 511
NET INCOME 17,804 17,769

 

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