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Chairman's Letter History Mission Board of Directores Financials

1st Half 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)	30/Jun/2002	30/Jun/2003
Total Assets	4,519	5,698
Customer Deposits	3,665	4,635
Net Advances to Customers	1,027	1,216
Cash & Due From Banks	1,436	2,323
Total Equity	301	512
Net Book Value (1)	295	408
Net Income	22.6	24.7
Number of shares outstanding	205,023,723	205,023,723
Earnings Per Share	0.11	0.12
Book Value Per Share	1.44	1.99
Assets Growth	-2.83%	7.72%
Deposits Growth	1.02%	7.80%
Loans Growth	1.77%	1.12%
Return on Average Assets	0.99%	0.90%
Return on Average Equity	14.98%	13.51%
Net Interest Margin	2.65%	2.44%
Cost-to-income	55.70%	52.66%
Net Advances / Assets	22.72%	21.34%
Liquid Assets / Assets	73.30%	75.13%
1 USD =	1,507.5	1,507.5
(1) This excludes subordinated loans