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Consolidated Income Statement (Unaudited) as at September 30, 2007 (unaudited)
(LL millions)
Income Statement		30-Sep-2007	30-Sep-2006
Interest and similar income		1,117,790	914,497
	Lebanese Treasury bills and other government bills	260,590	209,076
	Deposits and similar accounts in banks and financial institutions	494,883	426,816
	Deposits in head office, branches and affiliates
	Bonds and financial instruments with fixed income	38,437	46,259
	Loans and advances to customers	296,858	210,675
	Loans and advances to related parties	12,607	9,254
	Other interest and similar income	14,415	12,417
	Interest on leasing contracts
Interest and similar charges		742,514	598,315
	Deposits and similar accounts from banks and financial institutions	7,057	13,641
	Deposits from head office, branches and affiliates
	Deposits from customers and other creditor accounts	698,844	553,601
	Deposits from related parties	13,580	7,066
	Cash contribution to capital and subordinated loans
	Certificates of deposit	12,121	12,332
	Bonds and financial instruments with fixed income
	Other interest and similar charges	10,912	11,675
	Interest on leasing contracts
Net provisions and recoveries on doubtful loans		3,718	28,350
	Provisions for doubtful loans	20,568	39,072
	Of which: provision setup related to commercial loans(granted by leasing companies)
	Recoveries of provisions for doubtful loans	(16,850)	(10,722)
	Of which: provision write-back related to commercial loans(granted by leasing companies)
	Of which: provision write-back related to leasing contracts
	Provision related to leasing contracts
Net interest received		371,558	287,832
Revenues from shares, securities & financial assets with variable income		12,280	8,610
Net commissions		115,844	77,113
	Commissions received Of which: commission related to leasing contracts	137,981	102,731
	Commissions paid Of which: commission related to leasing contracts	(22,137)	(25,618)
Profit on financial operations		80,995	132,846
	Profit on marketable securities	11,736	30,440
	Profit on financial fixed assets	4,786
	Profit on foreign exchange position	16,749	20,892
	Profit on financial instruments	47,724	81,514
Loss on financial operations		20,490	26,603
	Loss on marketable securities	1,573	7,256
	Loss on financial fixed assets	2	6
	Loss on foreign exchange position	4,949	7,317
	Loss on financial instruments	13,966	12,024
Net income from financial operations		60,505	106,243
Other operating income		24,046	11,241
Other operating expenses		4,769	4,916
Total operating income		579,464	486,123
General and administrative expenses		302,415	223,420
	Salaries wages and related charges	164,851	121,295
	Employees' stock options expense as per IFRS 2	13,088	9,950
	General operating expenses	124,476	92,175
Amortization and depreciation		26,863	27,791
Provisions on investments		3,262	(3,240)
Provisions on contingent accounts & other risks		812	(538)
Profit from operations before taxation		254,260	231,134
Net nonrecurring operations		1,092	(4,834)
	Nonrecurring income	4,912	1,771
	Nonrecurring expenses	(3,820)	(6,605)
Income tax		44,012	35,137
Our part in affiliates under equity method		185	578
	Non financial institutions	185	578
	Financial institutions
Net profit for the period		211,525	191,741
	Group share	207,971	193,763
	Minority share	3,554	(2,022)
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>	Consolidated Income Statement
>	Consolidated Cash Flows
>	Consolidated Statement of Changes in Shareholders' Equity
>	2007 Consolidated Figures & Auditors’ Report
>	Annual Report 2007
>	Annual Report 2006