Notice of First Half of 2015 Results

Byblos Bank S.A.L.

Press Release - H1 2015 Unaudited Results

29 July 2015

Byblos Bank maintained its solid financial performance in the first half of 2015, posting an increase in its consolidated Net Profit by 1.1% compared to the same period of last year to reach USD 70.1 million. This positive result was recorded while the Bank maintained its cautious strategy aiming at preserving asset quality and protecting shareholder value.

Byblos Bank's sound asset quality remains a key measure of its strong financial standing. Net Non-performing Loans to Net Loans was successfully maintained at below 1%, and the coverage ratio of non-performing loans was more than fully covered, reaching 113%. Immediate Liquidity with Banks and Central Banks stood at USD 9.5 billion, representing 50% of the bank's total assets.

Byblos Bank's consolidated Total Assets, Customer Deposits and Net Customer Loans stood respectively at USD 19.2 billion, USD 15.9 billion and USD 4.7 billion.

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/Consolidated%20Financial%20statements%20-%2030%20June%202015%20ENG.pdf

For further information, please contact:

Ziad El Zoghby

Head of Finance and Administration Division

Phone: +961 1335 280