(LBP millions) 31-Dec-08 31-Dec-07   Interest and similar income 49,049 45,492 Interest expense and similar charges (36,462) (37,794) Net interest income 12,587 7,698       Fee and commission income 3,996 3,677 Fee and commission expense (375) (405) Net fee and commission income 3,621 3,272       Net trading income 303 977 Impairment charge for credit losses (1,285) (489) Administrative expenses (5,542) (4,557) Other operating income 363 733 Other operating expenses (4,348) (4,260) Operating expenses (10,509) (7,596) Profit before income tax 5,699 3,374 Income tax expense (999) (633)             Profit for the year 4,700 2,741