Forum des Experts Libanais - Paris, Tue. 22nd January 2013

Byblos Bank Europe“Expertise & International Development”

Presented by Fouad N. TRAD, C.E.O

N° 3

Branches 103 (77 in Lebanon, 2nd largest network) Staff c. 2,625 (c. 1,840 in BB Lebanon) Ranked 3rd bank in Lebanon as at September 30, 2012 (in US$ million)

- Assets 16,897 (+ 1.8% YTD) - Loans 4,136 (+3.2% YTD)- Deposits 13,354 (+4.2% YTD)- Net profit 122.7 (-4.2% YOY)

Key financial ratios as at September 30, 2012 - Basle III capital adequacy ratio * 12.97% - Return on average common equity 11.07% - Return on average assets 0.98%- Cost-to-income ratio 49.83%

Full share listing on the BSE 30% free float International operations Cyprus, Iraq, Belgium, France, Great Britain,

Syria, Sudan, UAE, Armenia, Nigeria, Congo

Long-term credit ratings B1 / stable (Moody’s); B / stable (Fitch)

(*) as at end Jun-12

4

INTERNATIONAL PARTNERS

BERD 25%OPECFUND

7.5%17%10%

IFC 8% PROPARCO 2%

International Partners

Sources: - Bilanbanques 1994 published by Bankdata Financial Services WLL- The Alpha Group Report June 2011/2012 published by Bankdata Financial Services WLL

USD 1 = LBP 1,507.5

Competitive Position Ranking within the Lebanese Banking Sector (since 1993)

(*) After the acquisition of Lebanese Canadian Bank(**) excluding subordinated debt

Ranking by CustomerDeposits

USD Millions

Rank Jun-12

Rank 1993

Banque Audi 24,706 1 5 BLOM Bank 20,864 2 1 Byblos Bank 13,270 3 9

Fransabank 12,460 4 8 BankMed 10,574 5 2 SGBL * 8,131 7 7

Ranking by Shareholders' Equity **

USD Millions

Rank Jun-12

Rank 1993

Banque Audi 2,579 1 8 BLOM Bank 2,019 2 2 Byblos Bank 1,545 3 7

Fransabank 1,293 4 10 BankMed 999 6 4 SGBL * 480 9 8

Ranking by Total Assets USD

MillionsRank Jun-12

Rank 1993

Banque Audi 28,790 1 5 BLOM Bank 23,825 2 1 Byblos Bank 16,588 3 9

Fransabank 14,837 4 8 BankMed 13,188 5 3 SGBL * 10,159 7 7

Ranking by Net Income USD

MillionsRank

Jun-12Rank

1993 Banque Audi 230 1 9 BLOM Bank 165 2 7 Byblos Bank 80 3 6

Fransabank 66 4 4 BankMed 64 5 10 SGBL * 58 6 15

Yearly Financial Highlights

Assets 8,208 9,486 11,230 13,576 15,288 16,602Customer Deposits 6,278 7,262 8,363 10,286 11,927 12,820Customer Advances 1,755 2,233 2,790 3,197 3,771 4,008Securities (1) 3,590 3,561 4,781 5,933 6,223 5,936 Lebanese 3,456 3,348 4,500 5,607 5,750 5,255 of which Treasury notes 2,713 2,769 2,902 3,292 2,682 2,301 of which Central Bank CDs 701 545 1,475 2,185 2,951 2,833 Non Lebanese 134 213 282 326 473 681Cash & Banks 2,502 3,312 3,216 3,765 4,836 6,156Total Capital (Tier I + Tier II) 752(3) 984(4) 1,270(5) 1,495(6) 1,831(7) 1,852Tangible Common Equity 580 613 699 827 1,134 1,148Net Profit (available for CS & PS) (8) 79 99 122 146 178 180Net Profit (available for CS) 65 83 96 115 138 148Earning per Common Share 0.14 0.18 0.21 0.26 0.27 0.25

Financial Highlights (US$ million) 2006 2007 2008 2009 2010 2011

(1) Includes Treasury Bills, Central Bank CDs, Corporate CDs, equities(3) Redemption of subordinated debt for the amount of US$68.8m(4) Issuance of subordinated debt convertible into common shares for the amount of US$200m(5) Issuance of preferred shares for the amount of US$200m(6) Issuance of preferred shares for the amount of US$192 m and buy-back of the Series 2003 Preferred Shares for the amount of US$ 100 million (7) Capital Increase in June 2010 by US$ 249 m through issuance of 142,378,760 new common shares (8) CS = Common Shareholders, PS = Preferred Shareholders

Assets doubling in 6 years

Yearly Financial Highlights

Ratios % 2006 2007 2008 2009 2010 2011

Return on Average Assets 1.00 1.12 1.18 1.17 1.23 1.11Return on Average Common Equity 11.37(1) 13.84 14.56 15.00 14.03(2) 12.29Net Interest Margin 2.00 2.19 2.39 2.17 2.04 1.86Non-Interest Income to Total Operating Income 30.26 29.44 23.71 30.18 36.73 40.48Cost to Income 51.86 51.81 51.21 44.87 45.18 43.39 Gross NPLs to Gross Loans 8.14 4.67 3.36 2.63 2.38 3.02Provisioning of NPLs (3) 100.88 107.51 115.64 134.10 144.46 132.77Lebanese Sovereign Exposure (4) (% of assets) 52.62 46.14 49.31 51.01 46.23 45.81 in LBP 25.86 19.80 26.63 31.71 31.69 28.13 in FCY 26.77 26.34 22.68 19.30 14.55 17.68Non Lebanese Sovereign Exposure (4) (% of assets) 1.49 1.95 2.27 2.31 3.48 2.91 Share of International Activities

in Total Assets (5) 18.60 21.63 21.40 19.48 18.63 16.35 in Net Profit 13.99 16.93 20.33 18.46 11.75 13.63

Loans to Assets 21.38 23.54 24.85 23.54 24.67 24.14 Loans to Deposits 27.88 30.79 33.37 31.08 31.71 31.26LBP Deposits / Deposits 28.82 25.07 34.62 40.14 40.57 38.65 LBP Loans / LBP Deposits 12.22 14.35 10.39 10.40 12.72 16.44 FCY Loans / FCY Deposits 34.22 36,29 45.53 45.10 44.68 40.61Liquid Assets/Assets 31.20 35.40 28.60 29.20 31.60 37.10

(1) Lower RACE in 2006 was the result of the Capital increase in December 2005(2) Lower RACE in 2010 was the result of the Capital increase in June 2010(3) Includes specific and general & collective provisions, reserved interest(4) Sovereign exposure includes cash, placements at the Central Bank. Treasury Bills, Government CDs(5) Includes international activities booked in Lebanon

Liquid & conservative commercial banking

Quarterly Financial Highlights

Assets 16,671 16,897Customer Deposits 12,726 13,354Customer Advances 3,974 4,136Securities (1) 6,016 5,942 Lebanese 5,391 5,321 of which Treasury notes 2,398 2,334 of which Central Bank CDs 2,874 2,871 Non Lebanese 625 621Cash & Banks 5,586 6,540Total Capital (Tier I + Tier II) 1,818 1,775Tangible Common Equity 1,115 1,122Net Profit (available for CS & PS) (2) 128 123Net Profit (available for CS) (2) 123 118

Financial Highlights (US$ million) Sep-11 Sep-12

(1) Includes Treasury Bills, Central Bank CDs, Corporate CDs, bonds, equities(2) CS = Common Shareholders, PS = Preferred Shareholders

Resilient to the Syrian troubles

Quarterly Financial Highlights

Ratios % Sep-11 Sep-12

Return on Average Assets 1.06 0.98Return on Average Common Equity 11.81 11.07 Net Interest Margin 1.90 1.62Non-Interest Income to Total Operating Income 35.57 45.67Cost to Income 47.43 49.83Gross NPLs to Gross Loans 2.94 4.62Provisioning of NPLs (1) 126.04 98.59Lebanese Sovereign Exposure (2) (% of assets) 45.11 48.60 in LBP 27.63 28.17 in FCY 17.48 20.43Non Lebanese Sovereign Exposure (2) (% of assets) 3.47 4.49Loans to Assets 23.84 24.48Loans to Deposits 31.07 30.95LBP Deposits / Deposits 37.90 38.96LBP Loans / LBP Deposits 15.84 17.70 FCY Loans / FCY Deposits 40.36 39.40Liquid Assets/Assets 37.10 37.40

(1) Includes specific and general & collective provisions, reserved interest(2) Sovereign exposure includes cash, placements at the Central Bank. Treasury Bills, Government CDs

Profitable / Liquid /Lebanon local

Regional Expansion

Countries with Subsidiary Representative Office

Branches

Sudan

DR Congo

Nigeria

UAE

Iraq

Cyprus

France

BelgiumUK

Syria

Armenia

Lebanon

Company / Bank CountryLaunch

yearNature Services

% ownership

Byblos Bank SAL Lebanon 1950 Headquarters Banking

Byblos Bank Europe SAFranceBelgiumUK

1976 SubsidiaryBanking

99.95%

Byblos Bank Syria SA Syria 2005 Subsidiary Banking 52.37%

Byblos Bank Africa Sudan 2003 SubsidiaryIslamic Banking

56.86%

Byblos Bank Armenia CJSC Armenia 2007 Subsidiary Banking 65.00%

Byblos Bank DRC DR Congo 2010 Subsidiary Banking 66.67%

Adonis Insurance and Reinsurance Co. (ADIR) SAL

Lebanon 1983 Subsidiary Insurance 63.95%

Adonis Insurance and Reinsurance (ADIR) Syria

Syria 2007 Subsidiary Insurance 76.00%

Byblos Invest Bank SAL Lebanon 2003 SubsidiaryInvestment Banking

99.99%

Adonis Brokerage House SAL

Lebanon 2002 Subsidiary Brokerage 100%

Byblos Bank Sal – Iraq network

Iraq 2007Branch network

Banking

Byblos Bank SAL – Cyprus network

Cyprus 1984Branch network

Banking

Byblos Bank SAL – UAE Rep. Office

UAE – Abu Dhabi

2005 Rep. Office Banking

Byblos Bank SAL – Nigeria Rep. Office

Nigeria 2008 Rep. Office Banking

Financial Highlights

In USD million

Subsidiaries (as at end Sep-12)

Lebanon* Europe Africa Syria Armenia Congo ADIRADIR Syria

Establishment date 1950 1976 2003 2005 2007 2010 1983 2007

Total Assets 15,263 826 240 693 122 20 164 26

Total Equity 1,630 118 33 96 22 13 27 20

Customer loans 3,608 177 54 263 57 10 2 -

Customer deposits 12,338 244 134 572 55 7 77 1

Net Income 107 7 3 (1) 0.5 (0.1) 5 1

ROA 0.95% 1.12% 1.53% -0.22% 0.61% -0.75% 4.32% 5.72%

ROE 9.97% 11.871% 9.29% -1.72% 2.93% -1.18% 25.51% 7.54%

Cost to income 51.08% 76.93% 52.63% 54.28% 74.25% 115.74% 44.31% 39.11%

Net Interest Margin 1.60% 1.50% 4.34% 1.67% 4.00% 6.71% NA NA

NPLs / Gross Loans 2.6% 1.5% 13.9% 30.9% 10.6% 0.1% NA NA

Branches 81 3 3 11 4 1 - -

Staff 1,927 65 99 260 97 27 86 54

Lebanon / International: Contributions

(*) including Cyprus and Erbil (Iraq) branches, UAE and Nigeria representative offices and Byblos Invest Bank

The name Byblos

Bank & its inscription

@ the BDL date back

from 1963

BBE - Niche Banking

History: 1976 – 2013

Locations: Brussels / London/ Paris

What: Trade Finance / Correspondent Banking

Where: Africa / Middle East

Who: Lebanese Entrepreneurs / Arabs Importers / European Exporters

Niche: “Expert system” in trade finance

LONDON -- BRUSSELS -- PARIS

Byblos Bank in Europe

LONDON -- BRUSSELS -- PARIS

No home market

Only Trade Finance +Correspondent banking &

Pers. banking

2nd contributor toGlobal revenues

INCOME60% Commission

40% Interest

Extensive knowledge of African markets

Matching all EU standards

Leb. entrepreneursEU exporters

ME/African banks

Since 1976

BBE – Risk Management

LONDON -- BRUSSELS -- PARIS

Risks centralisation

Risk averse conservative

LiquidityConcentration

Operational

Country risks

Compliance

Lebanese Banks - International Local dependence: 80/20 => 60/40

Lebanon: Regional lending platform

Where to go? - Arab countries – Syria/Egypt/Jordan/Algeria- Underbanked – Sudan/Armenia/Iraq- Diaspora – Australia/South America- Advanced – Europe/Turkey

What to offer?- Universal / Retail / Investment banking / Trade finance / Commercial & Corporate /

Private… banking

How to go?- Acquisition / License & Organic growth / Suitcase banking

LONDON -- BRUSSELS -- PARIS