Byblos Bank S.A.L. (BDB: BYB)

Byblos Bank S.A.L. Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	111,963,575	111,963,575	10,889,174	10,601,839	11,649,290	11,555,372
Investment Securities	4,302,563	4,302,563	3,431,801	4,937,613	5,970,672	7,665,520
Trading Asset Securities	1,328,485	1,328,485	136,632	244,745	69,348	84,254
Total Investments	5,631,048	5,631,048	3,568,433	5,182,358	6,040,020	7,749,774
Gross Loans	15,396,853	15,396,853	2,766,907	3,558,150	4,561,591	7,255,886
Allowance for Loan Losses	-4,681,833	-4,681,833	-568,754	-599,933	-556,159	-385,924
Net Loans	10,715,020	10,715,020	2,198,153	2,958,217	4,005,432	6,869,962
Property, Plant & Equipment	11,379,087	11,379,087	4,163,858	293,363	302,580	327,505
Other Intangible Assets	96,508	96,508	16,821	16,581	18,740	19,840
Accrued Interest Receivable	549,185	549,185	158,053	208,375	238,822	248,208
Other Receivables	742,303	742,303	270,738	1,484,328	379,563	91,786
Restricted Cash	42,422,892	42,422,892	5,121,193	4,912,142	5,356,630	5,853,510
Other Current Assets	500,158	500,158	114,617	152,799	163,028	221,225
Long-Term Deferred Tax Assets	-	-	177	931	2,278	6,388
Other Real Estate Owned & Foreclosed	63,666	63,666	59,748	74,050	73,905	71,682
Other Long-Term Assets	389,003	389,003	283,290	57,831	47,696	25,543
Total Assets	184,452,445	184,452,445	26,844,255	25,942,814	28,277,984	33,040,795
Accrued Expenses	555,903	555,903	89,264	41,135	32,509	40,254
Interest Bearing Deposits	36,503,509	36,503,509	5,705,764	7,479,558	13,209,068	22,005,789
Non-Interest Bearing Deposits	118,488,691	118,488,691	13,899,607	13,029,109	9,661,633	4,580,111
Total Deposits	154,992,200	154,992,200	19,605,371	20,508,667	22,870,701	26,585,900
Short-Term Borrowings	14,411	14,411	1,250	1,198	2,958	5,699
Current Portion of Long-Term Debt	1,208,844	1,208,844	125,134	128,346	31,663	1,150
Current Portion of Leases	48,718	48,718	4,759	10,426	14,845	-
Current Income Taxes Payable	267,991	267,991	46,310	68,930	52,268	40,132
Accrued Interest Payable	125,390	125,390	28,597	22,128	62,025	216,993
Other Current Liabilities	471,574	471,574	65,155	193,532	257,148	232,032
Long-Term Debt	4,518,030	4,518,030	1,515,160	1,934,678	2,355,438	2,975,574
Long-Term Leases	-	-	-	-	-	24,803
Long-Term Unearned Revenue	-	-	-	-	-	147,977
Pension & Post-Retirement Benefits	981,135	981,135	274,805	110,064	47,427	36,323
Long-Term Deferred Tax Liabilities	-	-	-	-	-	4,735
Other Long-Term Liabilities	6,853,719	6,853,719	420,377	246,260	188,754	218,435
Total Liabilities	170,192,534	170,192,534	22,184,419	23,276,700	25,926,755	30,530,007
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	-1,586,173	-1,586,173	-1,034,219	661,545	751,572	905,455
Treasury Stock	-8,524	-8,524	-8,524	-8,524	-8,685	-8,967
Comprehensive Income & Other	14,057,139	14,057,139	4,179,548	490,235	81,683	72,145
Total Common Equity	13,375,729	13,375,729	4,050,092	2,056,543	1,737,857	1,881,920
Minority Interest	288,259	288,259	13,821	13,648	17,449	32,945
Shareholders' Equity	14,259,911	14,259,911	4,659,836	2,666,114	2,351,229	2,510,788
Total Liabilities & Equity	184,452,445	184,452,445	26,844,255	25,942,814	28,277,984	33,040,795
Total Debt	5,790,003	5,790,003	1,646,303	2,074,648	2,404,904	3,007,226
Net Cash (Debt)	107,502,057	107,502,057	9,379,503	8,771,936	9,313,734	8,632,400
Net Cash Growth	704.24%	1046.14%	6.93%	-5.82%	7.89%	29.72%
Net Cash Per Share	191351.05	191351.05	16695.29	15614.54	16576.82	15351.45
Filing Date Shares Outstanding	562.37	562.37	562.37	562.37	562.32	562.21
Total Common Shares Outstanding	562.37	562.37	562.37	562.37	562.32	562.21
Book Value Per Share	23784.64	23784.64	7201.85	3656.93	3090.51	3347.36
Tangible Book Value	13,279,221	13,279,221	4,033,271	2,039,962	1,719,117	1,862,080
Tangible Book Value Per Share	23613.03	23613.03	7171.94	3627.45	3057.19	3312.07

Source: S&P Capital IQ. Banks template. Financial Sources.