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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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Byblos Bank S.A.L. Unaudited Financial Highlights and Key Ratios
(in US million, except for per share Data)	Sep/2002	Sep/2003
Total Assets	4,547	5,880
Customer Deposits	3,643	4,796
Net Advances to Customers	930	1,166
Cash & Due From Banks	1,414	2,683
Total Equity	411	527
Net Book Value (1)	306	423
Net Income	32.3	35.5
Number of shares outstanding	205,023,723	205,023,723
Earnings Per Share	0.16	0.17
Book Value Per Share	1.49	2.06
Growth in Total Assets	-2.24%	11.15%
Growth in Net Customers' Advances	-7.85%	-3.07%
Growth in Customers' Deposits	0.41%	11.55%
Return on Average Assets	0.94%	0.85%
Return on Average Equity	14.01%	12.69%
Net Interest Mardin	2.48%	2.39%
Cost-to-income	57.15%	50.14%
Tire One Capital to Assets	6.55%	7.10%
Net advances / Assets	20.45%	19.82%
Net Non-performing loans / Net Customer Loans	3.16%	1.48%
Liquid Assets / Assets	75.96%	76.42%
1 USD =	LBP 1,507.5	LBP 1,507.5
(1) This excludes subordinated loans.

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