3rd Quarter Results

Byblos Bank S.A.L.

Press Release - Q3 2017 Unaudited Results

1 November 2017

Consolidated Activity Highlights as at end-September 2017:

· USD 22.4 billion in Assets

· USD 18.0 billion in Customer Deposits

· USD 5.3 billion in Net Customer Loans

· USD 2.1 billion in Total Equity

· USD 114.5 million in Net Profit

Byblos Bank posted satisfactory financial results in the first nine months of 2017, despite the prevailing uncertainty locally and regionally. Customer Deposits and Customer Loans grew by 5.3% and 2.5% respectively, to reach USD 18.0 billion and USD 5.3 billion.

Byblos Bank's prudent lending policy, lower risk appetite in some overseas markets, high liquidity levels, and the deconsolidation of investments in some markets, resulted in a slight increase in Net Profit of 0.8%. This conservative strategy aims at preserving the Bank's financial solidity and ensure long-term protection and stability for shareholders.

The Bank's immediate foreign-currency liquidity, made in the form of short-term placements with investment- and above-investment-grade institutions, reached 15% as at end of September 2017, highly exceeding local and international benchmarks. Its Basel III Capital Adequacy Ratio, maintained at above 17% as at end of June 2017, surpassed recent BDL regulatory requirements that raised the minimum to 15% by end-2018.

With its high liquidity and capital levels, the continuous improvements in staff productivity, the strengthening in its business processes, and the increased use of technology, Byblos Bank remains well-positioned to capitalize on potential expansion opportunities.

To view the text of the results, paste the following link into the address bar of your web browser:

https://www.byblosbank.com/Library/Assets//Gallery/FinancialResult/FinancialReports/Quarterly%20Consolidated%20Financial%20Statements/Quarterly%20Consolidated%20Financial%20Statements/Byblos-Bank-Unaudited-Consolidated-FS-Q3-2017-English.pdf

For further information, please contact:

Ziad El Zoghby

Head of Group Finance and Administration

Phone: +961 1335 200 Ext. 0511

Email: zelzoghbi@byblosbank.com.lb