(LBP millions) 31-Dec-08 31-Dec-07   Assets       Cash and balances with central banks 135,196 129,480 Loans & advances to banks & financial institutions 149,966 245,726 Loans and advances to customers 271,476 206,026 Debtors by acceptances 1,178 7,074 Investment securities:       Designated at fair value through profit or loss 5,132 1,977   Available for sale 126,805 79,507   Loans and receivables 28,320 25,316   Held to maturity 79,125 53,899 Property and equipment 8,563 8,873 Other assets 2,035 2,110 Total assets 807,796 759,988       Liabilities Central banks 1,220 - Deposits from banks & financial institutions 33,360 95,092 Due to customers 711,285 602,703 Engagements by acceptances 1,178 7,074 Other liabilities 4,450 5,314 Current income tax liabilities 510 235 Provisions for other liabilities and charges 22 27 Deferred income tax liabilities 358 - Retirement benefit obligations 566 476 Total liabilities 752,949 710,921       Capital and reserves Share capital 41,000 24,000 Reserves & appropriations for capital increase - 17,000 Retained earnings 4,693 2,741 Other reserves 9,154 5,326 Total equity 54,847 49,067       Total liabilities and equity 807,796 759,988       Contingents Liabilities & commitments Letters of guarantee - clients 30,814 24,800 Confirmed documentary credit-import 14,185 12,744 Undrawn loan commitments 2,699 2,504 Foreign currency forward contracts 2 -1 Total contingents liabilities & commitments 47,700 40,047