Byblos Bank S.A.L. Balance Sheet

Financials in millions LBP. Fiscal year is January - December.

Millions LBP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	831,183,629	783,176,423	136,172,336	10,889,174	10,601,839	11,649,290
Investment Securities	15,008,081	18,166,945	4,302,563	3,431,801	4,937,613	5,970,672
Trading Asset Securities	22,783,304	14,172,396	1,328,485	136,632	244,745	69,348
Total Investments	37,791,385	32,339,341	5,631,048	3,568,433	5,182,358	6,040,020
Gross Loans	51,633,581	89,575,065	15,396,853	2,766,907	3,558,150	4,561,591
Allowance for Loan Losses	-	-28,380,407	-4,681,833	-568,754	-599,933	-556,159
Net Loans	51,633,581	61,194,658	10,715,020	2,198,153	2,958,217	4,005,432
Property, Plant & Equipment	13,838,319	13,949,835	11,397,077	4,163,858	293,363	302,580
Other Intangible Assets	755,115	649,718	96,508	16,821	16,581	18,740
Accrued Interest Receivable	-	732,369	549,185	158,053	208,375	238,822
Other Receivables	71,426,118	5,888,231	742,303	270,738	1,484,328	379,563
Restricted Cash	-	109,064,682	19,941,392	5,121,193	4,912,142	5,356,630
Other Current Assets	1,306,208	3,853,608	500,158	114,617	152,799	163,028
Long-Term Deferred Tax Assets	-	-	-	177	931	2,278
Other Real Estate Owned & Foreclosed	84,658	89,114	63,666	59,748	74,050	73,905
Other Long-Term Assets	3,253,174	365,178	371,013	283,290	57,831	47,696
Total Assets	1,011,272,187	1,011,303,157	186,179,706	26,844,255	25,942,814	28,277,984
Accrued Expenses	-	1,434,009	555,903	89,264	41,135	32,509
Interest Bearing Deposits	848,603,601	188,874,108	36,503,509	5,705,764	7,479,558	13,209,068
Non-Interest Bearing Deposits	-	679,037,955	118,488,691	13,899,607	13,029,109	9,661,633
Total Deposits	848,603,601	867,912,063	154,992,200	19,605,371	20,508,667	22,870,701
Short-Term Borrowings	5,009	16,898	14,411	1,250	1,198	2,958
Current Portion of Long-Term Debt	-	7,075,946	1,208,844	125,134	128,346	31,663
Current Portion of Leases	-	293,124	48,718	4,759	10,426	14,845
Current Income Taxes Payable	-	1,216,343	267,991	46,310	68,930	52,268
Accrued Interest Payable	-	751,222	125,390	28,597	22,128	62,025
Other Current Liabilities	1,306,208	11,168,782	2,234,927	65,155	193,532	257,148
Long-Term Debt	40,991,188	22,558,601	4,518,030	1,515,160	1,934,678	2,355,438
Pension & Post-Retirement Benefits	-	1,733,683	981,135	274,805	110,064	47,427
Other Long-Term Liabilities	50,200,860	27,036,606	6,817,627	420,377	246,260	188,754
Total Liabilities	941,106,866	942,943,448	171,919,795	22,184,419	23,276,700	25,926,755
Preferred Stock, Redeemable	4,840	4,840	4,840	4,840	4,840	4,840
Preferred Stock, Other	591,083	591,083	591,083	591,083	591,083	591,083
Total Preferred Equity	595,923	595,923	595,923	595,923	595,923	595,923
Common Stock	684,273	684,273	684,273	684,273	684,273	684,273
Additional Paid-In Capital	229,014	229,014	229,014	229,014	229,014	229,014
Retained Earnings	32,075,314	31,831,493	-1,586,173	-1,034,219	661,545	751,572
Treasury Stock	-8,524	-8,524	-8,524	-8,524	-8,524	-8,685
Comprehensive Income & Other	35,983,643	34,483,235	14,057,139	4,179,548	490,235	81,683
Total Common Equity	68,963,720	67,219,491	13,375,729	4,050,092	2,056,543	1,737,857
Minority Interest	605,678	544,295	288,259	13,821	13,648	17,449
Shareholders' Equity	70,165,321	68,359,709	14,259,911	4,659,836	2,666,114	2,351,229
Total Liabilities & Equity	1,011,272,187	1,011,303,157	186,179,706	26,844,255	25,942,814	28,277,984
Total Debt	40,996,197	29,944,569	5,790,003	1,646,303	2,074,648	2,404,904
Net Cash (Debt)	812,970,736	767,404,250	131,710,818	9,379,503	8,771,936	9,313,734
Net Cash Growth	-0.85%	482.64%	1304.24%	6.93%	-5.82%	7.89%
Net Cash Per Share	-	1365960.93	234442.06	16695.29	15614.54	16576.82
Filing Date Shares Outstanding	-	562.37	562.37	562.37	562.37	562.32
Total Common Shares Outstanding	-	562.37	562.37	562.37	562.37	562.32
Book Value Per Share	-	119529.31	23784.64	7201.85	3656.93	3090.51
Tangible Book Value	68,208,605	66,569,773	13,279,221	4,033,271	2,039,962	1,719,117
Tangible Book Value Per Share	-	118373.99	23613.03	7171.94	3627.45	3057.19

Updated Jan 2, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.