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Forum des Experts Libanais - Paris, Tue. 22nd January 2013

Byblos Bank Europe. “Expertise & International Development”. Forum des Experts Libanais - Paris, Tue. 22nd January 2013. Presented by Fouad N. TRAD, C.E.O. N° 3. Branches 103 (77 in Lebanon, 2nd largest network) Staff c. 2,625 (c. 1,840 in BB Lebanon)

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Forum des Experts Libanais - Paris, Tue. 22nd January 2013

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

  2. 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 equity 11.07% • Return on average assets 0.98% • Cost-to-income ratio 49.83% • 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

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

  4. Rank Rank Rank Rank USD Ranking by Customer USD Ranking by Total Assets Millions Jun-12 1993 Jun-12 1993 Deposits Millions Banque Audi 28,790 5 1 Banque Audi 24,706 1 5 2 BLOM Bank 23,825 1 BLOM Bank 20,864 2 1 Byblos Bank 16,588 3 9 Byblos Bank 13,270 3 9 Fransabank 14,837 4 8 Fransabank 12,460 4 8 BankMed 13,188 5 3 BankMed 10,574 5 2 SGBL * 10,159 7 7 SGBL * 8,131 7 7 Rank Rank Rank Rank Ranking by Shareholders' USD USD Ranking by Net Income Jun-12 Equity ** Millions 1993 Millions 1993 Jun-12 Banque Audi 2,579 8 Banque Audi 230 9 1 1 BLOM Bank 2,019 2 2 BLOM Bank 165 2 7 Byblos Bank 1,545 3 7 Byblos Bank 80 3 6 Fransabank 1,293 4 10 Fransabank 66 4 4 BankMed 999 6 4 BankMed 64 5 10 SGBL * 480 9 8 SGBL * 58 6 15 Competitive Position Ranking within the Lebanese Banking Sector (since 1993) (*) After the acquisition of Lebanese Canadian Bank (**) excluding subordinated debt USD 1 = LBP 1,507.5 Sources: - Bilanbanques 1994 published by Bankdata Financial Services WLL - The Alpha Group Report June 2011/2012 published by Bankdata Financial Services WLL

  5. Yearly Financial Highlights Assets doubling in 6 years Financial Highlights (US$ million) 2006 2007 2008 2009 2010 2011 Assets 8,208 9,486 11,230 13,576 15,288 16,602 Customer Deposits 6,278 7,262 8,363 10,286 11,927 12,820 Customer Advances 1,755 2,233 2,790 3,197 3,771 4,008 Securities (1) 3,590 3,561 4,781 5,933 6,223 5,936 Lebanese 3,456 3,348 4,500 5,607 5,750 5,255 of which Treasury notes 2,713 2,769 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 2,502 3,312 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

  6. Yearly Financial Highlights Ratios % 2006 2007 2008 2009 2010 2011 Liquid & conservative commercial banking Return on Average Assets 1.00 1.12 1.18 1.17 1.23 1.11 Return on Average Common Equity 11.37(1) 13.84 14.56 15.00 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 30.26 29.44 23.71 30.18 36.73 40.48 Cost to Income 51.86 51.81 51.21 44.87 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) 100.88 107.51 115.64 134.10 144.46 132.77 Lebanese Sovereign Exposure (4) (% of assets) 52.62 46.14 49.31 51.01 46.23 45.81 in LBP 25.86 19.80 26.63 31.71 31.69 28.13 in FCY 26.77 26.34 22.68 19.30 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)18.60 21.63 21.40 19.48 18.63 16.35 in Net Profit 13.99 16.93 20.33 18.46 11.75 13.63 Loans to Assets 21.38 23.54 24.85 23.54 24.67 24.14 Loans to Deposits 27.88 30.79 33.37 31.08 31.71 31.26 LBP Deposits / Deposits 28.82 25.07 34.62 40.14 40.57 38.65 LBP Loans / LBP Deposits 12.22 14.35 10.39 10.40 12.72 16.44 FCY Loans / FCY Deposits 34.22 36,29 45.53 45.10 44.68 40.61 Liquid Assets/Assets 31.20 35.40 28.60 29.20 31.60 37.10

  7. Quarterly Financial Highlights Resilient to the Syrian troubles Financial Highlights (US$ million) Sep-11 Sep-12 Assets 16,671 16,897 Customer Deposits 12,726 13,354 Customer Advances 3,9744,136 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) 1,8181,775 Tangible Common Equity 1,115 1,122 Net Profit (available for CS & PS) (2) 128 123 Net Profit (available for CS) (2) 123 118

  8. Quarterly Financial Highlights Profitable / Liquid /Lebanon local Ratios % Sep-11 Sep-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 35.5745.67 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) 45.1148.60 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 23.8424.48 Loans to Deposits 31.0730.95 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

  9. UK Belgium France Armenia Cyprus Syria Iraq Lebanon UAE Sudan Nigeria DR Congo Regional Expansion Branches Countries with Subsidiary Representative Office

  10. The name Byblos Bank & its inscription @ the BDL date back from 1963 Financial Highlights Lebanon / International: Contributions (*) including Cyprus and Erbil (Iraq) branches, UAE and Nigeria representative offices and Byblos Invest Bank

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

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

  13. BBE – Risk Management Risks centralisation Operational Risk averse conservative Country risks Compliance Concentration Liquidity LONDON -- BRUSSELS -- PARIS

  14. 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

  15. Thank You !

  16. Q & A

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