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

Byblos Bank S.A.L. Cash Flow Statement

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

Operating Activities

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	397,138	72,769	-1,541,747	-23,538	-139,739
Depreciation & Amortization	556,075	151,425	19,014	21,538	23,088
Other Amortization	83,584	7,132	4,815	4,518	5,465
Gain (Loss) on Sale of Assets	-	-9,565	-113	-590	-2,821
Gain (Loss) on Sale of Investments	-9,091,867	275,421	100,268	504,617	1,008,377
Provision for Credit Losses	-2,916,966	264,797	-44,064	60,879	137,369
Change in Trading Asset Securities	948,762	-1,235,132	26,509	-353,157	-7,944
Change in Other Net Operating Assets	-26,831,645	-132,347,250	1,749,750	2,453,718	3,476,370
Other Operating Activities	-16,842,733	5,796,308	-43,485	158,593	-325,160
Net Cash from Discontinued Operations	-	-	-	-1,580	-2,878
Operating Cash Flow	-53,697,652	-127,024,095	270,947	2,824,998	4,172,127
Operating Cash Flow Growth	-	-	-90.41%	-32.29%	556.57%

Investing Activities

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Capital Expenditures	-214,663	-319,965	-30,208	-8,558	-16,034
Sale of Property, Plant and Equipment	-	4,198	5,710	2,615	15,059
Investment in Securities	-7,144,406	-298,361	1,488,507	721,427	719,012
Purchase / Sale of Intangibles	-232,367	-43,714	-5,015	-2,532	-4,749
Net Decrease (Increase) in Loans Originated / Sold - Investing	1,603,343	-1,669,619	7,321	-62,046	62,478
Other Investing Activities	-	-24	-	-391	-626
Investing Cash Flow	-5,988,093	-2,327,485	1,466,315	650,515	775,140

Financing Activities

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Long-Term Debt Issued	-	1,361,335	-	-	-
Long-Term Debt Repaid	-271,469	-	-3,530	-275,370	-444,875
Net Debt Issued (Repaid)	-271,469	1,361,335	-3,530	-275,370	-444,875
Issuance of Common Stock	-	-	-	407,128	282
Net Increase (Decrease) in Deposit Accounts	-33,942,774	132,768,729	-1,172,323	-2,604,077	-3,698,764
Financing Cash Flow	-34,214,243	134,130,064	-1,175,853	-2,472,319	-4,143,357

Net Cash Flow

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Foreign Exchange Rate Adjustments	684,117,750	72,617,048	16,601	-4,750	-11,816
Net Cash Flow	590,217,762	77,395,532	578,010	998,444	792,094

Free Cash Flow

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Free Cash Flow	-53,912,315	-127,344,060	240,739	2,816,440	4,156,093
Free Cash Flow Growth	-	-	-91.45%	-32.23%	619.61%
Free Cash Flow Margin	-278.75%	-1779.38%	-	696.00%	1953.54%
Free Cash Flow Per Share	-95962.61	-226669.33	428.51	5013.42	7397.12

Additional Metrics

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash Interest Paid	2,982,552	868,639	323,808	504,585	1,231,737
Cash Income Tax Paid	279,971	33,057	182,287	41,037	23,145

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2024

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 11, 2026

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