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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


Byblos Bank S.A.L. Audited Consolidated Cash Flow Statement
In LBP Million 2001 2002
OPERATING ACTIVITIES    
Net profit before taxation 80,144 81,582
Adjustments for:    
Depreciation 12,360 13,138
Amortization of Goodwill 698 1,480
Provision for collateral pending sale 714 681
Provisions on Non-Performing Loans, net of recoveries 9,711 6,563
Amortiztiion of soft loan discount 0 1,253
Provision for employees’ end of service benefits 3,821 1,045
Provision for foreign currency fluctuation 0 46
Loss (Gain) from sale of premises and equipment (3,458) 264
Gain on sale of equity investments (7,495) 0
Other provsions (1,008) 0
Effect of foreign exchange fluctuation (119) (172)
 
Operating profit before working capital changes 95,368 105,880
(Increase) in cash and balances with Central Bank (494,460) (52,865)
(Increase) decrease in placement with Banks & other financial institutions 9,005 (17,402)
(Increase) decrease in loans and advances to customers 42,018 (298,549)
Decrease in portfolio held for trading 11,861 (1,321)
Decrease (increase) in other assets (1,091) 801
Variation in order and regularisation accounts (14,186) (391)
(Decrease) increase in due to banks and other financial institutions 27,059 (18,522)
Increase in customers’ deposits 644,126 1,012,457
Decrease in certificates of deposits (2,819) (176,815)
Decrease (increase) in other liabilities 18,102 23,147
Provision for termination indemnity transferred from merged bank 0 1,085
 
Cash from operations 334,983 577,505
Employees’ end of service benefits paid during the year (3,288) (3,681)
Taxes Paid (16,743) (13,850)
Net cash from operating activities 314,952 559,974
 
INVESTING ACTIVITIES 
Purchase of non-trading investments, net (113,932) (296,532)
Proceeds on sale of tangible fixed assets 11,601 133
Purchase of premises and equipment (25,316) (28,230)
Sale of participations in companies 8,573 0
Goodwill (22,337) (18,953)
Fixed assets transferred from a merged bank 0 (28,234)
Net cash from investing activities (141,411) (371,816)
 
FINANCING ACTIVITIES 
Increase of Capital 151 0
Tax deducted from reserves (350) 0
Proceed from soft loan 40,000 0
Proceed from other loans 485 0
Increase (Decrease) of term loans (4,766) 148,843
Dividends paid (51,225) (51,893)
Effect of exchange on shareholders' equity 0 5,044
Net cash used in financing activities (15,705) 101,994
 
Increase (decrease) in cash and cash equivalents 157,836 290,152
Cash and cash equivalents at 1 January 1,120,068 1,277,904
Cash and cash equivalents as at 31 December 1,277,904 1,568,056

Financial Figures
• 3rd Quarter 2003 (Unaudited)

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