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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

Download Byblos Bank's Year 2002 Audited and Consolidated Financial Figures in pdf format
 

Byblos Bank S.A.L. Audited ConsolidatedFinancial Highlights and Key Ratios
(in US million, except for per share Data)	Dec-01	Dec-02
Total Assets	4,651	5,290
Customer Deposits	3,628	4,300
Net Advances to Customers	1,009	1,203
Cash & Due From Banks	1,430	1,642
Total Equity	316	429
Net Book Value (1)	309	323
Net Income	44.3	44.1
Number of shares outstanding	205,023,723	205,023,723
Earnings Per Share	0.22	0.21
Book Value Per Share	1.51	1.58
Growth in Assets	15.92%	13.74%
Growth in Customer Deposits	13.35%	18.51%
Growth in Net Advances to Customers	-3.29%	19.20%
Return on Average Assets	1.02%	0.89%
Return on Average Equity	14.58%	13.94%
Net Interest Margin	2.51%	2.27%
Cost-to-income	56.42%	56.80%
Tier One Capital to Assets	6.56%	6.00%
Net advances / Assets	21.69%	22.73%
Net Non-performing loans / Net Customer Loans	3.45%	2.49%
Liquid Assets / Assets	74.35%	73.16%
1 USD =	LBP 1,507.5	LBP 1,507.5
(1) This excludes subordinated loans.
The General assembly meeting conducted on the 24th of April 2003, declared and distributed before tax dividends  of LL 236.84 per share
Board of Directors
Dr. Francois S. Bassil	Chairman - General Manager
Mr. Semaan F. Bassil	Vice Chairman - General Manager
Mr. Albert S. Nassar	Member
Dr. Samir A. Makdessi	Member
Mr. Ahmad T. Tabbarah	Member
Dr. Hassan N. Mounla	Member
Mr. Bassam A. Nassar	Member
Mr. Faisal M.A. Tabsh	Member
External Auditors
Ernst & Young - Siman & Co.