3rd Quarter Results

Byblos Bank S.A.L.

Press Release - Q3 2015 Unaudited Results

30 October 2015

Byblos Bank released its unaudited consolidated financial results for the first 9 month of 2015, revealing healthy ratios and maintaining strong financial cushions to mitigate unexpected risks and counter economic volatility. The Bank's primary liquidity placed with banks and central banks (including Banque du Liban certificates of deposit) reached USD 9.5 billion as at end-September 2015, representing 50% of total assets, and the Bank reported one of the highest capital adequacy ratio in the Lebanese banking sector, which amounted to 17.6% versus a 12% minimum regulatory requirement by December 2015.

Moreover, Byblos Bank's sound credit quality is supported by a ratio of Net Non-Performing Loans (NPL) to total net loans of 1.2% as at 30 September 2015, and a NPL coverage ratio - including collective provisions - of 114.5% as at the same date.

The Bank's sound indictors are also accompanied with other equally healthy metrics serving to reaffirm the confidence of depositors and other stakeholders. Byblos Bank's net income stood at USD 113.1 million, representing an increase of 0.3% from the same period of last year. Customer deposits increased by 2.8% (+USD 0.4 billion) to reach USD 16.2 billion as at 30 September 2015, and total assets registered a growth of 1.6% (+USD 0.3 billion) to reach USD 19.3 billion as at the same date. Net customer loans remained almost unchanged to reach USD 4.7 billion as at end of September 2015.

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

http://www.byblosbank.com.lb/Library/Files/Financial%20Reports/Quarterly%20Consolidated%20Financial%20Statements/Quarterly%20Consolidated%20Financial%20Statements/Byblos%20Bank%20S.A.L.%20unaudited%20consolidated%20FS%20as%20at%2030-09-2015%20_ENG%20.pdf

For further information, please contact:

Ziad El Zoghby

Head of Finance and Administration Division

Phone: +961 1335 280