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Consolidated Income Statement (Unaudited) as at September 30, 2006 (unaudited)
(LL millions)
Income Statement		30-Sept-2006	30-Sept-2005
Interest and similar income		914,497	713,459
	Lebanese Treasury bills and other government bills	209,076	155,346
	Deposits and similar accounts in banks and financial institutions	426,816	345,160
	Deposits in head office, branches and affiliates
	Bonds and financial instruments with fixed income	46,259	32,398
	Loans and advances to customers	210,675	162,921
	Loans and advances to related parties	9,254	8,187
	Other interest and similar income	12,417	9,447
	Interest on leasing contracts
Interest and similar charges		598,315	493,527
	Deposits and similar accounts from banks and financial institutions	13,641	30,448
	Deposits from head office, branches and affiliates
	Deposits from customers and other creditor accounts	553,601	442,594
	Deposits from related parties	7,066	3,225
	Cash contribution to capital and subordinated loans		3
	Certificates of deposit	12,332	12,121
	Bonds and financial instruments with fixed income		9
	Other interest and similar charges	11,675	5,127
	Interest on leasing contracts
Net provisions and recoveries on doubtful loans		28,350	29,460
	Provisions for doubtful loans	39,072	40,333
	Of which: provision setup related to commercial loans(granted by leasing companies)
	Recoveries of provisions for doubtful loans	(10,722)	(10,873)
	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		287,832	190,472
Revenues from shares, securities & financial assets with variable income		8,610	6,637
Net commissions		77,113	72,165
	Commissions received Of which: commission related to leasing contracts	102,731	83,563
	Commissions paid Of which: commission related to leasing contracts	(25,618)	(11,398)
Profit on financial operations		132,846	80,563
	Profit on marketable securities	30,440	8,537
	Profit on financial fixed assets		136
	Profit on foreign exchange position	20,892	26,878
	Profit on financial instruments	81,514	45,012
Loss on financial operations		26,603	17,399
	Loss on marketable securities	7,256	1,960
	Loss on financial fixed assets	6
	Loss on foreign exchange position	7,317	11,502
	Loss on financial instruments	12,024	3,937
Net income from financial operations		106,243	63,164
Other operating income		11,241	12,217
Other operating expenses		4,916	4,204
Total operating income		486,123	340,451
General and administrative expenses		223,420	190,091
	Salaries wages and related charges	121,295	110,742
	Employees' stock options expense as per IFRS 2	9,950
	General operating expenses	92,175	79,349
Amortization and depreciation		27,791	20,956
Provision on investments		(3,240)	1,206
Provisions on contingent accounts & other risks		(538)	4,322
Profit from operations before taxation		231,134	134,932
Net nonrecurring operations		(4,834)	(4,594)
	Nonrecurring income	1,771	1,654
	Nonrecurring expenses	(6,605)	(6,248)
Income tax		35,137	19,005
Our part in affiliates under equity method		578	171
	Non financial institutions	578	171
	Financial institutions
Net profit for the period		191,741	111,504
	Group share	193,763	111,103
	Minority share	(2,022)	401
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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