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Financials
 Chairman's Letter History Mission Board of Directores Financials

3rd 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 Nine Months 2002 1st Nine Months 2003
In LBP Million
 
- Lebanese Government Securities 258,526 277,240
- Banks and Financial Institutions 60,208 81,440
- Head Office & Branches, Parent Company &  0 0
  Foreign Sister Financial Institutions & Subsidiaries   0
- Bonds and Other Fixed-Income Securities 6,960 5,034
- Advances to Customers 95,272 112,375
- Advances to Related Parties 0 7
Total Interest Income 420,966 476,096
 
- Banks and Financial Institutions 15,925 12,300
- Head Office & Branches, Parent Company &  1,511 0
Foreign Sister Financial Institutions & Subsidiaries 0 0
- Customer Deposits and Other Creditor Accounts 266,104 303,839
- Related Parties Deposits 1,879 1,748
- Subordinated and Permanent Loans 4,726 13,193
- Certificates of Deposits 6,799 102
- Debt Instruments 0 0
 
Total Interest Expenses 296,944 331,182
Net Interest Income Before Provisions 124,022 144,914
- Provisions for Doubtful Loans 7,704 25,436
- Recoveries from Provisions for Doubtful Loans (896) (1,696)
Net Provisions for Doubtful Loans 6,808 23,740
Net Interest Income After Provisions   117,214

121,174

Shares, participations and other financial instruments with variable revenue 793 1,500
- Commission Received 22,993 26,751
- Commission Paid 1,252 1,503
Net Commissions Received 21,741 25,248
 
- Gain on Bonds & Other Fixed Income Securities 99 19,436
- Gain on Equities & Securities With Variable Income 0 0
- Gain on Foreign Exchange 4,958 9,152
Total Gain From Financial Operations 5,057 28,588
 
- Loss on Bonds & Other Fixed Income Securities 917 369
- Loss on Equities & Securities With Variable Income 0 0
- Loss on Foreign Exchange 0 0
Total Loss From Financial Operations 917 369
 
Net Profit or Loss from Financial Operations 4,140 28,219
Other Operating Income  819 928
Other Operating Expenses 0 0
- Salaries and Employee Benefits 48,104 55,062
- Other Operating Expenses 28,902 33,093
Operating Expenses 77,006 88,155
Depreciation, Amortization, and Provision for Tangible and Intangible Assets 9,580 12,531
Net Provisions on Financial Fixed Assets 0 0
NET OPERATING INCOME   58,121 76,383
- Extraordinary Income 192 2,247
- Extraordinary Expenses 2,782 9,555
Net Extraordinary Income (2,590) (7,308)
- Financial Companies 670 58
- Non Financial Companies 1,230 0
Dividends Received 1,900 58
Income Taxes 8,700 15,617
Net Income 48,731 53,516
Group Share 47,558 53,552
Minority Share 1,173 (36)
 
Financial Figures
• 3rd Quarter 2003 (Unaudited)

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