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Chairman's Letter History Mission Board of Directores Financials
 

2002 Figures (Consolidated and Audited)
Byblos Bank S.A.L.  Audited Consolidated Financial  Highlights and  Key Ratios	Byblos Bank S.A.L.  Audited Consolidated  Statement of Income	Byblos Bank S.A.L.  Audited Consolidated  Balance Sheet	Byblos Bank S.A.L. Audited Consolidated Cash Flow Statement

 

Audited Consolidated Balance Sheet
		Dec/2001			Dec/2002
In LBP Million	LBP	C/V LBP	Total	LBP	C/V LBP	Total
ASSETS
Cash & Central Bank	210,478	611,367	821,845	213,460	716,663	930,123
Lebanese Government Securities	1,759,107	1,214,720	2,973,827	1,970,767	1,330,453	3,301,220
Bonds & Other Fixed Income Securities	0	83,772	83,772	0	57,336	57,336
Equities & Securities With Variable Income	5,683	2,801	8,484	5,428	1,911	7,339
Banks & Financial Institutions	4,914	1,328,281	1,333,195	23,501	1,521,744	1,545,245
- Current Accounts	(185)	(93,154)	(93,339)	(35)	(60,369)	(60,404)
- Time Deposits	(4,729)	(1,235,127)	(1,239,856)	(23,466)	(1,461,375)	(1,484,841)
Head Office & Branches, Parent Companies,	0	0	0	0	0	0
and Foreign Sister Financial Institutions
- Current Accounts	0	0	0	0	0	0
- Time Deposits	0	0	0	0	0	0
Net Advances To Customers (*)	146,277	1,374,573	1,520,850	203,076	1,609,760	1,812,836
- Commercial Loans	(35,028)	(650,691)	(685,719)	(38,618)	(954,988)	(993,606)
- Other Loans Granted to Customers	(106,864)	(662,985)	(769,849)	(166,347)	(596,184)	(762,531)
- Overdrafts	(1,512)	(11,297)	(12,809)	(1,883)	(9,714)	(11,597)
- Related Parties	0	0	0	0	0	0
- Net Non Performing Loans	(5,380)	(70,491)	(75,871)	(5,109)	(69,114)	(74,223)
- General Provisions on the Loan Portfolio	2,507	20,891	23,398	8,881	20,240	29,121
- Debtor Accounts Against Creditor Accounts	0	0	0	0	0	0
Bank Acceptances	0	119,923	119,923	7	120,575	120,582
Investment in Companies Under the Cost Method			0	0	0	0
Investment in Companies Under the Equity Method			0	0	0	0
Tangible Fixed Assets	86,924	9,553	96,477	94,555	44,366	138,921
Intangible Fixed Assets	0	0	0	0	0	0
Sundry Debtor	359	1,188	1,547	428	318	746
Regularization & Miscellaneous Debtor Accounts	23,638	11,079	34,717	10,739	29,244	39,983
Goodwill		16,265	16,265	0	19,813	19,813
TOTAL ASSETS	2,237,380	4,773,522	7,010,902	2,521,961	5,452,183	7,974,144
	31/Dec/2001	31/Dec/2002
(*) Loans that are not classified doubtful and non-performing include:
- Substandard loans net of reserved interest	65,890	87,578
Reserved Interest on Substandard Loans	33,412	44,165
(*) After deduction of:
- Specific provisions of doubtful and non-performing loans	129,645	120,507
- Reserved Interest	91,489	111,374
CONTRA ACCOUNTS
Commitments by signature received - Financial institutions	2,703	13,103	15,806	474	78,259	78,733
Commitments by signature received - Customers	99,845	1,868,210	1,968,055	126,745	2,428,576	2,555,321
Total Commitments by signature received	102,548	1,881,313	1,983,861	127,219	2,506,835	2,634,054
Irrecoverable Loans Transferred to Off-BS	23,218	26,452	49,670	22,473	21,647	44,120

AUDITED CONSOLIDATED BALANCE SHEET
		Dec/2001			Dec/2002
In LBP Million	LBP	C/V LBP	Total	LBP	C/V LBP	Total
LIABILITIES
Central Bank	111,000	485	111,485	97,636	1,669	99,305
Banks & Financial Institutions	1,458	534,353	535,811	1,507	474,507	476,014
- Current Accounts	(1,458)	(154,615)	(156,073)	(498)	(127,282)	(127,780)
- Time Deposits		(379,738)	(379,738)	(1,009)	(347,225)	(348,234)
Head Office & Branches, Parent Companies,	0	0	0	0	0	0
and Foreign Sister Financial Institutions
- Current Accounts	0	0	0	0	0	0
- Time Deposits	0	0	0	0	0	0
Customer Deposits	1,826,113	3,643,706	5,469,819	2,111,462	4,370,814	6,482,276
- Sight Deposits	(120,164)	(291,400)	(411,564)	(165,214)	(438,034)	(603,248)
- Time Deposits	(122,179)	(683,044)	(805,223)	(244,990)	(1,175,360)	(1,420,350)
- Saving Deposits	(1,583,413)	(2,600,718)	(4,184,131)	(1,700,751)	(2,693,364)	(4,394,115)
- Related Parties	(357)	(45,487)	(45,844)	(507)	(40,782)	(41,289)
- Net Creditor & Cash Collateral Accounts Against Debtor Accounts		(23,057)	(23,057)	0	(23,274)	(23,274)
Bank Acceptances	0	119,923	119,923	7	120,575	120,582
Bonds & Other Short Term Debt Instruments	0	189,123	189,123	0	12,308	12,308
- Certificates of Deposits	0	(189,123)	(189,123)	0	(12,308)	(12,308)
- Debt Securities	0	0	0	0	0	0
Sundry Liabilities	20,790	53,895	74,685	23,144	76,013	99,157
Regularization & Miscellaneous Creditor Accounts	7,687	8,739	16,426	13,847	8,146	21,993
Provisions For Risk & Charges	17,063	133	17,196	15,558	157	15,715
Subordinated loans	0	10,708	10,708	0	159,551	159,551
Revaluation Variance Accepted in Tier Two Capital	5,689	0	5,689	5,689	0	5,689
Issued & Paid Up Capital	246,028	0	246,028	246,028	0	246,028
Reserves for General Banking Risk	15,760	0	15,760	16,333	3,910	20,243
Reserves and Premiums	119,741	5,754	125,495	127,490	10,086	137,576
Profit Carried Forward	2,082	(1,070)	1,012	1,816	508	2,324
Net Income for the Year	62,020	3,938	65,958	61,256	4,231	65,487
Translation Adjustment	0	784	784	0	1,047	1,047
Goodwill	(11)	0	(11)	3,454	0	3,454
Minority Interest	4,993	18	5,011	5,372	23	5,395
TOTAL LIABILITIES  AND  EQUITY	2,440,413	4,570,489	7,010,902	2,730,599	5,243,545	7,974,144
CONTRA ACCOUNTS
Engagements by Signature - Financial institutions	6,092	196,276	202,368	3,818	202,974	206,792
Engagements by Signature - Customers	36,940	265,187	302,127	42,136	323,693	365,829
Engagements by Financial instruments		4,145	4,145		3,392	3,392
TOTAL CONTRA ACCOUNTS	43,032	465,608	508,640	45,954	530,059	576,013