Deposits and borrowings from banks	36,140,772	23,695,600
Customers' accounts at amortized cost	2,610,509,127	2,230,415,715
Customers' accounts designated at fair value through profit & loss	2,255,708	-
Liability under acceptances	21,677,733	16,340,966
Other borrowings	11,845,723	112,426,267
Other liabilities	26,478,051	16,612,235
Provisions	26,329,209	18,863,768
Total Liabilities	2,735,236,323	2,418,354,551
SHAREHOLDERS' EQUITY
Capital	152,700,000	152,700,000
Reserves	32,044,215	6,218,878
Special reserve for assets acquired in satisfaction of debts	8,574,485	8,402,630
Retained Earnings	12,120,415	15,628,578
Cumulative change in fair value of available-for-sale securities	(3,630,413)	(12,106,603)
Net profit for the year	34,501,144	22,424,270
Total attributable to the equity holders of the parent	236,309,846	193,267,753
Minority interest	499,570	236,011
Total Equity	236,809,416	193,503,764
Total Liabilities and Shareholders' Equity	2,972,045,739	2,611,858,315

CONSOLIDATED INCOME STATEMENT	Audited 31-Dec-08  (000's LBP)	Audited 31-Dec-07  (000's LBP)
Continuing operations
Interest Income	196,406,716	191,356,818
Interest Expense	(130,599,938)	(142,768,831)
Net Interest Income	65,806,778	48,587,987
Fee and Commission Income	12,071,089	9,722,242
Fee and Commission Expense	(2,295,643)	(1,392,993)
Net Fee and Commission Income	9,775,446	8,329,249
Net Interest and Gain / (Loss) on Trading Portfolio	(486,381)	1,235,946
Other Operating Income	4,608,461	4,263,052
Net Financial Revenues	79,704,304	62,416,234
Allowance for Impairment of Loans and Advances	(1,966,219)	(5,088,932)
Write-back of Impairment loss on Loans and Advances	8,886,760	11,859,390
Write-off of loans	(30,384)	(1,113)
Write-back of Discount on Loan Portfolio Purchased	6,248,077	832,300
Net Financial Revenues after impairment charge for credit losses	92,842,538	70,017,879
Gain on disposal of property and equipment and properties acquired in satisfaction of debts	859,566	634,076
Write-back provisions (net)	60,300	4,181,250
Staff costs	(31,117,227)	(25,882,624)
Administrative expenses	(16,631,383)	(17,304,566)
Depreciation and Amortization	(4,729,436)	(10,309,085)
Profit before Income Tax	41,284,358	21,336,930
Income Tax Expense	(6,562,567)	(4,729,808)
Net profit for the year from continuing operations	34,721,791	16,607,122

Discontinuing operations
Net profit for the period from discontinuing operations	-	2,384,940
Gain on disposal of subsidiary	-	3,913,682
Income Tax Expense	-	(391,368)
	-	5,907,254
Net profit for the year	34,721,791	22,514,376
Attributable to
Equity holders of the parents	34,501,144	22,424,270
Minority interest	220,647	90,106
	34,721,791	22,514,376