1. Forum des Experts Libanais - Paris, Tue. 22nd January 2013 Byblos Bank Europe “Expertise & International Development” Presented by Fouad N. TRAD, C.E.O

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3. N° 3 Branches 103 (77 in Lebanon, 2nd largest network) Staffc. 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 equity11.07%  Return on average assets0.98%  Cost-to-income ratio49.83% Full share listing on the BSE30% free float International operationsCyprus, Iraq, Belgium, France, Great Britain, Syria, Sudan, UAE, Armenia, Nigeria, Congo Long-term credit ratingsB1 / stable (Moody’s); B / stable (Fitch) (*) as at end Jun-12

4. 4 INTERNATIONAL PARTNERS BERD 25% OPEC FUND 7.5% 17% 10% IFC 8% PROPARCO 2% International Partners

5. 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 Customer Deposits USD Millions Rank Jun-12 Rank 1993 Banque Audi24,70615 BLOM Bank20,86421 Byblos Bank13,27039 Fransabank12,46048 BankMed10,57452 SGBL *8,13177 Ranking by Shareholders' Equity ** USD Millions Rank Jun-12 Rank 1993 Banque Audi2,579 1 8 BLOM Bank2,01922 Byblos Bank1,54537 Fransabank1,293410 BankMed99964 SGBL *48098 Ranking by Total Assets USD Millions Rank Jun-12 Rank 1993 Banque Audi28,790 1 5 BLOM Bank23,825 2 1 Byblos Bank16,58839 Fransabank14,83748 BankMed13,18853 SGBL *10,15977 Ranking by Net Income USD Millions Rank Jun-12 Rank 1993 Banque Audi230 1 9 BLOM Bank16527 Byblos Bank8036 Fransabank6644 BankMed64510 SGBL *58615

6. Yearly Financial Highlights Assets 8,2089,48611,230 13,57615,28816,602 Customer Deposits 6,2787,262 8,363 10,28611,92712,820 Customer Advances 1,7552,233 2,790 3,197 3,771 4,008 Securities (1) 3,5903,561 4,781 5,933 6,223 5,936 Lebanese 3,4563,348 4,500 5,607 5,750 5,255 of which Treasury notes 2,7132,769 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 134 213 282 326 473 681 Cash & Banks 2,5023,312 3,216 3,765 4,836 6,156 Total Capital (Tier I + Tier II) 752 (3) 984 (4) 1,270 (5) 1,495 (6) 1,831 (7) 1,852 Tangible Common Equity 580 613 699 827 1,134 1,148 Net Profit (available for CS & PS) (8) 79 99 122 146 178 180 Net Profit (available for CS) 65 83 96 115 138 148 Earning per Common Share 0.14 0.18 0.21 0.26 0.27 0.25 Financial Highlights (US$ million) 200620072008 200920102011 (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

7. Yearly Financial Highlights Ratios % 200620072008200920102011 Return on Average Assets 1.00 1.12 1.18 1.17 1.23 1.11 Return on Average Common Equity 11.37 (1) 13.8414.5615.00 14.03 (2) 12.29 Net Interest Margin 2.00 2.19 2.39 2.17 2.04 1.86 Non-Interest Income to Total Operating Income 30.2629.4423.7130.18 36.73 40.48 Cost to Income 51.8651.8151.2144.87 45.18 43.39 Gross NPLs to Gross Loans 8.14 4.67 3.36 2.63 2.38 3.02 Provisioning of NPLs (3) 100.88107.51 115.64 134.10144.46132.77 Lebanese Sovereign Exposure (4) (% of assets) 52.6246.1449.3151.01 46.23 45.81 in LBP 25.8619.8026.6331.71 31.69 28.13 in FCY 26.7726.3422.6819.30 14.55 17.68 Non 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) 18.6021.6321.40 19.48 18.63 16.35 in Net Profit 13.9916.9320.3318.46 11.75 13.63 Loans to Assets 21.3823.5424.8523.54 24.67 24.14 Loans to Deposits 27.8830.7933.3731.08 31.71 31.26 LBP Deposits / Deposits 28.8225.0734.6240.14 40.57 38.65 LBP Loans / LBP Deposits 12.2214.3510.3910.40 12.72 16.44 FCY Loans / FCY Deposits 34.2236,2945.5345.10 44.68 40.61 Liquid Assets/Assets 31.2035.4028.6029.20 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

8. Quarterly Financial Highlights Assets 16,67116,897 Customer Deposits 12,72613,354 Customer Advances 3,974 4,136 Securities (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 625 621 Cash & Banks 5,586 6,540 Total Capital (Tier I + Tier II) 1,818 1,775 Tangible Common Equity 1,115 1,122 Net Profit (available for CS & PS) (2) 128 123 Net Profit (available for CS) (2) 123 118 Financial Highlights (US$ million)Sep-11Sep-12 (1) Includes Treasury Bills, Central Bank CDs, Corporate CDs, bonds, equities (2) CS = Common Shareholders, PS = Preferred Shareholders Resilient to the Syrian troubles

9. Quarterly Financial Highlights Ratios %Sep-11Sep-12 Return on Average Assets 1.06 0.98 Return on Average Common Equity 11.81 11.07 Net Interest Margin 1.90 1.62 Non-Interest Income to Total Operating Income 35.57 45.67 Cost to Income 47.43 49.83 Gross NPLs to Gross Loans 2.94 4.62 Provisioning of NPLs (1) 126.04 98.59 Lebanese Sovereign Exposure (2) (% of assets) 45.11 48.60 in LBP 27.63 28.17 in FCY 17.48 20.43 Non Lebanese Sovereign Exposure (2) (% of assets) 3.47 4.49 Loans to Assets 23.84 24.48 Loans to Deposits 31.07 30.95 LBP Deposits / Deposits 37.90 38.96 LBP Loans / LBP Deposits 15.84 17.70 FCY Loans / FCY Deposits 40.36 39.40 Liquid 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

10. Regional Expansion Countries with SubsidiaryRepresentative Office Branches Company / BankCountry Launch year NatureServices % ownership Byblos Bank SALLebanon1950HeadquartersBanking Byblos Bank Europe SA France Belgium UK 1976Subsidiary Banking 99.95% Byblos Bank Syria SASyria2005SubsidiaryBanking52.37% Byblos Bank AfricaSudan2003Subsidiary Islamic Banking 56.86% Byblos Bank Armenia CJSCArmenia2007SubsidiaryBanking65.00% Byblos Bank DRCDR Congo 2010 SubsidiaryBanking66.67% Adonis Insurance and Reinsurance Co. (ADIR) SAL Lebanon1983SubsidiaryInsurance63.95% Adonis Insurance and Reinsurance (ADIR) Syria Syria2007SubsidiaryInsurance76.00% Byblos Invest Bank SALLebanon2003Subsidiary Investment Banking 99.99% Adonis Brokerage House SAL Lebanon2002SubsidiaryBrokerage100% Byblos Bank Sal – Iraq network Iraq2007 Branch network Banking Byblos Bank SAL – Cyprus network Cyprus1984 Branch network Banking Byblos Bank SAL – UAE Rep. Office UAE – Abu Dhabi 2005Rep. OfficeBanking Byblos Bank SAL – Nigeria Rep. Office Nigeria2008Rep. OfficeBanking

11. Financial Highlights In USD million Subsidiaries (as at end Sep-12) Lebanon*EuropeAfricaSyriaArmeniaCongoADIR ADIR Syria Establishment date19501976200320052007201019832007 Total Assets15,2638262406931222016426 Total Equity1,630118339622132720 Customer loans3,6081775426357102- Customer deposits12,338244134572557771 Net Income10773(1)0.5(0.1)51 ROA0.95%1.12%1.53%-0.22%0.61%-0.75%4.32%5.72% ROE9.97%11.871%9.29%-1.72%2.93%-1.18%25.51%7.54% Cost to income51.08%76.93%52.63%54.28%74.25%115.74%44.31%39.11% Net Interest Margin1.60%1.50%4.34%1.67%4.00%6.71%NA NPLs / Gross Loans2.6%1.5%13.9%30.9%10.6%0.1%NA Branches81331141-- Staff1,927659926097278654 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

12. BBE - Niche Banking History : History : 1976 – 2013 Locations : Locations : Brussels / London/ Paris What : What : Trade Finance / Correspondent Banking Where : Where : Africa / Middle East Who : Who : Lebanese Entrepreneurs / Arabs Importers / European Exporters Niche : Niche : “Expert system” in trade finance LONDON -- BRUSSELS -- PARIS

13. Byblos Bank in Europe LONDON -- BRUSSELS -- PARIS No home market Only Trade Finance + Correspondent banking & Pers. banking 2 nd contributor to Global revenues INCOME 60% Commission 40% Interest Extensive knowledge of African markets Matching all EU standards Leb. entrepreneurs EU exporters ME/African banks Since 1976

14. BBE – Risk Management LONDON -- BRUSSELS -- PARIS Risks centralisation Risk averse conservative LiquidityConcentration Operational Country risks Compliance

15. 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