Search    

Financial Reports

Subscribe

Financials
 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 Statement of Income
In LBP Million 2001 2002
 
- Lebanese Government Securities 357,055 361,161
- Banks and Financial Institutions 76,295 79,752
- Head Office & Branches, Parent Company &  0 0
  Foreign Sister Financial Institutions & Subsidiaries    
- Bonds and Other Fixed-Income Securities 8,656 6,428
- Advances to Customers 140,590 121,815
- Advances to Related Parties 2 37
Total Interest Income 582,598 569,193
 
- Banks and Financial Institutions 30,110 23,633
- Head Office & Branches, Parent Company &  0 0
Foreign Sister Financial Institutions & Subsidiaries    
- Customer Deposits and Other Creditor Accounts 373,627 364,858
- Related Parties Deposits 3,409 963
- Subordinated and Permanent Loans 1,218 9,114
- Certificates of Deposits 16,104 7,140
 
Total Interest Expenses 424,468 405,708
 
Net Interest Income Before Provisions 158,130 163,485
- Provisions for Doubtful Loans 17,621 10,212
- Recoveries from Provisions for Doubtful Loans (7,910) (3,649)
Net Provisions for Doubtful Loans 9,711 6,563
Net Interest Income After Provisions   148,419 156,922
 
Shares, participations and other financial instruments with variable revenue 474 630
- Commission Received 29,034 33,240
- Commission Paid 900 2,166
Net Commissions Received 28,134 31,074
 
- Gain on Trading Secuirties 473 2,784
- Gain on Investment Securities 0 0
- Gain on Foreign Exchange 3,660 5,454
Total Gain From Financial Operations 4,133 8,238
 
- Loss on Trading Securities 113 560
- Loss on Investment Securities 0 0
- Loss on Foreign Exchange 1,550 6
Total Loss From Financial Operations 1,663 566
 
Net Profit or Loss from Financial Operations 2,470 7,672
Other Operating Income  999 1,015
Other Operating Expenses 0 0
- Salaries and Employee Benefits 59,349 60,701
- Other Operating Expenses 33,895 39,449
Operating Expenses 93,244 100,150
Depreciation, Amortization, and Provision for Tangible and Intangible Assets 13,772 15,299
Net Provisions on Financial Fixed Assets 0 0
 
Net Operating Income 73,480 81,864
 
- Extraordinary Income 11,999 864
-Extraordinary Expenses 5,335 1,146
Net Extraordinary Income 6,664 (282)
Income Taxes 13,328 15,175
- Financial Companies 0 0
- Non Financial Companies 0 0
Dividends Received 0 0
 
NET INCOME 66,816 66,407
 
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)