Dividend Declaration

Byblos Bank SAL

Announcement to shareholders

Dividend distribution for the year 2014

The Ordinary General Assembly of Byblos Bank S.A.L. held on 15 May 2015 at the Bank's Headquarters, approved on the distribution of dividends for the year 2014 for the gross amount of LBP 161,551 million distributed as follows:

For Common Shareholders:

§ LBP 200 per share (LBP 190 Net of 5 % withholding tax)

For Preferred Shareholders:

§ Class 2008: USD 8 per share; (USD 7.6 Net of 5 % withholding tax)

§ Class 2009: USD 8 per share; (USD 7.6 Net of 5 % withholding tax)

Such dividends will be paid on or about 22 May 2015 after deducting the 5% withholding tax, to shareholders as at 20 May 2015 (record date), according to the records of Midclear (the Central Depository). Shares will trade ex-dividend starting 18 May 2015.

For GDR holders:

§ LBP 200 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting the 5% withholding tax and other expenses starting 27 May 2015.