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1st Half 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 Half 1st Half
In LBP Million 2002 2003
 
- Lebanese Government Securities 172,358 193,202
- Banks and Financial Institutions 39,900 45,692
- Head Office & Branches, Parent Company &  0 0
  Foreign Sister Financial Institutions & Subsidiaries 0 0
- Bonds and Other Fixed-Income Securities 3,762 3,117
- Advances to Customers 66,734 77,133
- Advances to Related Parties 0 17
- Others 0 0
Total Interest Income 282,754 319,161
- Banks and Financial Institutions 11,685 10,568
- Head Office & Branches, Parent Company &  376 0
Foreign Sister Financial Institutions & Subsidiaries    
- Customer Deposits and Other Creditor Accounts 174,602 201,224
- Related Parties Deposits 1,426 1,512
- Subordinated and Permanent Loans 315 8,741
- Certificates of Deposits 6,431 102
- Debt Instruments 0 0
Total Interest Expenses 194,835 222,147
Net Interest Income Before Provisions 87,919 97,014
- Provisions for Doubtful Loans 6,353 11,103
- Recoveries from Provisions for Doubtful Loans (807) (1,753)
Net Provisions for Doubtful Loans 5,546 9,350
Net Interest Income After Provisions   82,373 87,664
Shares, participations and other financial instruments with variable revenue 0  
- Commission Received 15,609 17,639
- Commission Paid 731 899
Net Commissions Received 14,878 16,740
- Gain on Bonds & Other Fixed Income Securities   9,428
- Gain on Equities & Securities With Variable Income    
- Gain on Foreign Exchange 4,086 3,007
Total Gain From Financial Operations 4,086 12,435
- Loss on Bonds & Other Fixed Income Securities 1,422 1
- Loss on Equities & Securities With Variable Income 0 0
- Loss on Foreign Exchange 0 0
Total Loss From Financial Operations 1,422 1
Other Operating Income  533 600
Other Operating Expenses 0 0
- Salaries and Employee Benefits 30,914 35,328
- Other Operating Expenses 20,353 23,113
Operating Expenses 51,267 58,441
Depreciation, Amortization, and Provision for Tangible and Intangible Assets 7,775 8,330
Net Provisions on Financial Fixed Assets 0 0
NET OPERATING INCOME   41,406 50,667
- Extraordinary Income 18 1,506
-Extraordinary Expenses 649 6,151
Net Extraordinary Income (631) (4,645)
- Financial Companies 213 0
- Non Financial Companies 938 40
Income from subsidiaries 1,151 40
Income Taxes 7,838 8,844
NET INCOME 34,088 37,218

Financial Figures
• 3rd Quarter 2003 (Unaudited)

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