Income Statement

as at March 31, 2013 (Unaudited) 31-Mar-2013 31-Mar-2012
 (LBP million)    
Interest and similar income 621,226 533,828
Interest and similar expense (407,830) (318,495)
Net Interest Income 213,396 215,333
Fee and commission income 80,833 84,056
Fee and commission expense (14,687) (12,699)
Net Fee and Commission Income 66,146 71,357
Net gain on financial assets or liabilities at fair value through profit and loss 37,836 37,745
of which: interest income 8,000 8,809
Net gain on financial investments 60,725 75,084
Other operating income 5,602 1,779
Total Operating Income 383,705 401,298
Net provisions for credit losses (21,425) (46,928)
Credit losses related to debt instruments classified at Amortized Cost
Provisions for doubtful loans (23,879) (50,891)
Recoveries of provisions for doubtful loans 2,454 3,963
Impairment loss on financial instruments   
Net Operating Income 362,280 354,370
Personnel expenses (109,705) (89,951)
Other operating expenses (73,175) (67,814)
Depreciation of property and equipment (12,932) (10,602)
Amortisation of intangible assets (3,236) (1,075)
Impairment of goodwill
Total Operating Expenses (199,048) (169,442)
Operating Profit 163,232 184,928
Share of profit of associates under equity method 85 674
Net gain on disposal of assets 307 457
Profit Before Tax 163,624 186,059
Income Tax (34,739) (44,544)
Profit After Tax from Operating Activities 128,885 141,515
Result of discontinued operations, net of tax 61 909
Profit for The Year 128,946 142,424
Non-controlling interest 439 1,609
Profit For The Year- Group Share 128,507 140,815
Basic earnings per share LL 343.0 390.4
Diluted earnings per share LL 343.0 389.8

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