Income Statement

as at September 30, 2011 (unaudited) 30-Sep-2011 30-Sep-2010
(LBP million)
Interest & similar income 1,548,455 1,480,943
Interest & similar expense (948,710) (970,854)
Net Interest Income 599,745 510,089
Fee & commission income 249,104 232,450
Fee & commission expense (44,678) (38,854)
Net Fee & Commission Income 204,426 193,596
Net gain or loss on financial assets or liabilities at fair value through profitand loss 82,030 106,526
of which: net unrealized gain/loss
of which: interest revenues/charges 25,269 34,567
Net gainon financial investments 172,794 125,908
Other operating income 33,889 45,611
Total Operating Income 1,092,884 981,730
Net provisions for credit losses (78,207) (45,098)
Credit losses related to debt instruments classified at Amortized Cost
Provisions for doubtful loans (90,732) (59,319)
Recoveries of provisions for doubtful loans 12,525 14,221
Impairment loss on financial instruments (626)
Net Operating Income 1,014,677 936,006
Personnel expenses (290,506) (252,713)
Other operating expenses (186,220) (176,280)
Depreciation of property and equipment (29,362) (28,243)
Amortisation of intangible assets (4,925) (5,090)
Impairment of goodwill
Total Operating Expenses (511,013) (462,326)
Operating Profit 503,664 473,680
Share of profit of associates under equity method 4,499 1,819
Net gain ondisposal of assets 335 (260)
Profit Before Tax 508,498 475,239
Income Tax (99,586) (93,269)
Profit After Tax from Operating Activities 408,912 381,970
Result of discontinued operations
Net Profit 408,912 381,970
Non-controlling interest 9,471 15,895
Net profit - Group Share 399,441 366,075
Basic earnings per share LL 1,104 1,044
Diluted earnings per share LL 1,102 1,016

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