Income Statement

as at September 30, 2014 (Unaudited) 30-Sep-2014 30-Sep-2013
Consolidated Income Statement
(LBP million)
Interest and similar income 2,507,454 1,966,264
Interest and similar expense (1,624,086) (1,257,165)
Net Interest Income 883,368 709,099
Fee and commission income 335,923 251,343
Fee and commission expense (63,164) (50,070)
Net Fee and Commission Income 272,759 201,273
Net gain on financial assets or liabilities at fair value through profit and loss 68,551 126,414
    of which: net unrealized gain/loss    
    Of which: interest income 9,757 22,592
Net gain on financial investments 210,006 177,146
Other operating income 5,595 8,281
Total Operating Income 1,440,279 1,222,213
Net provisions for credit losses (107,075) (91,943)
    Credit losses related to debt instruments classified at amortized cost    
    Provisions for doubtful loans (119,982) (98,546)
    Recoveries of provisions for doubtful loans 12,907 6,603
Impairment loss on financial instruments  397 (165)
Net Operating Income 1,333,601 1,130,105
Personnel expenses (465,382) (355,659)
Other operating expenses (274,271) (230,479)
Depreciation of property and equipment (47,917) (39,882)
Amortisation of intangible assets (16,933) (10,238)
Impairment of goodwill    
Total Operating Expenses (804,503) (636,258)
Operating Profit 529,098 493,847
Share of profit of associates under equity method 2 326
Net gain on disposal of assets 886 637
Profit Before Tax 529,986 494,810
Income Tax (108,105) (100,937)
Profit After Tax from Operating Activities 421,881 393,873
Result of discontinued operations, net of tax 40  
Profit for The period 421,921 393,873
Non-controlling interest 12,404 10,466
Profit For The period- Group Share 409,517 383,407
Basic earnings per share LL 1,072.4 1,019.4
Diluted earnings per share LL 1,072.4 1,019.4
Basic earnings per share from continuing operations LL 1,072.4 1,019.4
Diluted earnings per share from continuing operations LL 1,072.4 1,019.4

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