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Financials
 Chairman's Letter History Mission Board of Directores Financials

3rd Quarter 2002 (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
 

Byblos Bank S.A.L. Unaudited Financial Highlights and Key Ratios
(in US million, except for per share Data) Sep/2001 Sep/2002
     
Total Assets 4,601 4,547
Customer Deposits 3,575 3,643
Net Advances to Customers 1,073 930
Cash & Due From Banks 1,314 1,414
Total Equity 299 411
Net Book Value (1) 292 306
Net Income 32.5 32.3
     
Number of shares outstanding 204,898,163 205,023,723
Earnings Per Share 0.16 0.16
Book Value Per Share 1.43 1.49
     
Return on Average Assets 1.01% 0.94%
Return on Average Equity 14.65% 14.01%
Net Interest Margin 2.36% 2.48%
Cost-to-income 57.08% 57.15%
      
Tire One Capital to Assets 6.27% 6.55%
     
Net advances / Assets 23.32% 20.45%
Net Non-performing loans / Net Customer Loans 3.09% 3.16%
     
Liquid Assets / Assets 72.50% 75.96%
1 USD = LBP 1,507.5 LBP 1,507.5
     
(1) This excludes subordinated loans.


Financial Figures
• 3rd Quarter 2003 (Unaudited)

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