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1 Unaudited Financial Results March 31, 2018: Byblos Bank SAL publishes its Consolidated Unaudited Financial Results for the period ended March 31, Report can be accessed by using the following URL: Daily Bulletin- 26/04/2018 Ex-dividend Date: In reference to the announcement issued by Byblos Bank S.A.L. related to the decision of the Annual Ordinary General Assembly of shareholders of April 20, 2018 to distribute dividends for the holders of shares on record as at April 25, 2018 (Record date), the Beirut Stock Exchange declares that the Ex-dividend date of the shares of Byblos Bank S.A.L. is Monday, April 23, Daily Bulletin- 20/04/2018 Dividend distribution for the year 2017: The Annual Ordinary General Assembly held on 20 April 2018 at the Bank s Headquarters, approved the distribution of dividends for the year 2017 as follows: For Common Shareholders: LBP 212 per share (LBP net of 10% withholding tax) For Preferred Shareholders: Class 2008: USD 8 per share; (USD 7.2 net of 10% withholding tax) Class 2009: USD 8 per share; (USD 7.2 net of 10% withholding tax) Such dividends will be paid on or about 26 April 2018 after deducting the 10% withholding tax, to shareholders as at 25 April 2018 (record date), according to the records of Midclear (the Central Depository). For GDR holders: LBP 212 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, on or about 02 May after deducting the 10% withholding tax and other expenses. Daily Bulletin 20/04/2018 Special Report of the Board of Directors:

2 Byblos Bank SAL publishes: the Report of the Board of Directors addressed to the Annual General Assembly of April 20, Daily Bulletin 17/04/2018 Audited Consolidated Financial Statements December 31, 2017: Byblos Bank SAL publishes its Audited Consolidated Financial Statements for the year ended December 31, 2017 and the Auditors Special Report drafted according to article 158 of the Code of Commerce for the year ended December 31, pdf Daily Bulletin- 07/04/2018 Invitation to the Annual Ordinary General Assembly of Preferred Shares Holders: The holders of Byblos Bank S.A.L. preferred shares are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 09:00 a.m. on Friday, 20 April 2018, in order to discuss and decide on the matters listed on the following agenda: To hear the general and special Board reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To advise on the accounts of the fiscal year 2017 and on the allocation of its results. To advise on the discharge of the chairman and Board members for their administrative duties during the fiscal year To advise on the election of a new Board of Directors. To advise on the operations performed between the Board members and the Bank during the fiscal year 2017 and on the authorization to be given to the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2018 all the operations described in the special report of both the Board of Directors and the Auditors. To advise on the appointment of the Auditors for 2018, 2019 and To advise on the determination of the auditors remuneration and the directors and Board committee members emoluments for the fiscal year Miscellaneous.

3 The balance sheet, inventory, profit and loss account for the fiscal year 2017, general and special reports of both the Board and the Auditors for the fiscal year 2017, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of holders of the preferred shares will be made available to shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 26/03/2018 Invitation to the Annual Ordinary General Assembly of Common Shares Holders: The shareholders of Byblos Bank S.A.L. are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 09:30 a.m. on Friday, 20 April 2018, in order to discuss and decide on the matters listed on the following agenda: To hear the general and special Board reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To approve the accounts of the fiscal year 2017 and on the allocation of its results. To discharge the chairman and Board members for their administrative duties during the fiscal year To elect a new Board of Directors. To approve the operations performed between the Board members and the Bank during the fiscal year 2017 and to authorize the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2018 all the operations described in the special report of the Board of Directors and the Auditors. To appoint the Auditors for 2018, 2019 and To determine the auditors remuneration and the Board of Directors and Board committee members emoluments for the fiscal year Miscellaneous. The balance sheet, inventory, profit and loss account for the fiscal year 2017, general and special reports of both the Board and the Auditors for the fiscal year 2017, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of shareholders, will be made available to the shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 26/03/2018

4 Dividend distribution proposal for the year 2017: The Board of Directors of Byblos Bank S.A.L. has the pleasure to announce to its shareholders that it resolved in its meeting held on 23 March 2018, to propose to the Ordinary General Assembly convened to meet on 20 April 2018 at the Bank s Headquarters, the distribution of dividends for the year 2017 as follows: For Common Shareholders: LBP 212 per share (Before withholding tax) For Preferred Shareholders: Class 2008: USD 8 per share; (Before withholding tax) Class 2009: USD 8 per share; (Before withholding tax) Subject to the Ordinary General Assembly s approval, such dividends will be paid on or about 26 April 2018 after deducting the withholding tax, to shareholders as at 25 April 2018 (record date), according to the records of Midclear (the Central Depository). For GDR holders: LBP 212 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting the withholding tax and other expenses starting 2 May Daily Bulletin- 26/03/2018 Unaudited Financial Statements December 31, 2017: Byblos Bank SAL publishes its Consolidated Unaudited Financial Results for the year ended December 31, Report can be accessed by using the following URL: glish.pdf Daily Bulletin- 30/01/2018 Unaudited Financial Statements September 30, 2017: Byblos Bank SAL publishes its Consolidated Unaudited Financial Statements for the period ended September 30, Report can be accessed by using the following URL:

5 Daily Bulletin- 26/10/2017 Unaudited Financial Statements June 30, 2017: Byblos Bank SAL publishes its Consolidated Unaudited Financial Statements for the period ended June 30, Report can be accessed by using the following URL: Daily Bulletin- 27/07/2017 Audited Consolidated Financial Statements December 31, 2016: Byblos Bank SAL publishes its Audited Consolidated Financial Statements for the year ended December 31, Full report can be accessed by using the following URL: d%20fs%20as%20at% _eng.pdf Daily Bulletin- 05/05/2017 Dividend distribution for the year 2016: The Ordinary General Assembly of Byblos Bank S.A.L. held on 28 April 2017 at the Bank s Headquarters, approved on the distribution of dividends for the year 2016 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 5 May 2017 after deducting the 5% withholding tax, to shareholders as at 4 May 2017 (record date), according to the records of Midclear (the Central Depository). Shares will trade ex-dividend starting 2 May 2017.

6 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 10 May Daily Bulletin- 02/05/2017 Unaudited Financial Statements March 31, 2017: Byblos Bank SAL publishes its Consolidated Unaudited Financial Statements for the period ended March 31, Full report can be accessed by using the following URL: Daily Bulletin- 27/04/2017 Invitation to the Annual Ordinary General Assembly of Preferred Shares Holders: The holders of Byblos Bank S.A.L. preferred shares are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:00 a.m. on Friday, 28 April 2017, in order to discuss and decide on the matters listed in the following agenda: To hear the general and special Board reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To advise on the accounts of the fiscal year 2016 and on the allocation of its results. To advise on the discharge of the chairman and Board members for their administrative duties during the fiscal year To advise on the election of a new Board of Directors. To advise on the operations performed between the Board members and the Bank during the fiscal year 2016 and on the authorization to be given to the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2017 all the operations described in the special report of the Board of Directors and the Auditors. To advise on the determination of the auditors remuneration and the directors and Board committee members emoluments for the fiscal year Miscellaneous.

7 The balance sheet, inventory, profit and loss account for the fiscal year 2016, general and special reports of both the Board and the Auditors for the fiscal year 2016, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of holders of the preferred shares will be made available to shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 03/04/2017 Invitation to the Annual Ordinary General Assembly of Common Shares Holders: The shareholders of Byblos Bank S.A.L. are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:30 a.m. on Friday, 28 April 2017, in order to discuss and decide on the matters listed on the following agenda: To hear the general and special Board reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To approve the accounts of the fiscal year 2016 and on the allocation of its results. To discharge the chairman and Board members for their administrative duties during the fiscal year To approve the operations performed between the Board members and the Bank during the fiscal year 2016 and to authorize the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2017 all the operations described in the special report of the Board of Directors and the Auditors. To determine the auditors remuneration and the Board of Directors and Board committee members emoluments for the fiscal year Miscellaneous. The balance sheet, inventory, profit and loss account for the fiscal year 2016, general and special reports of both the Board and the Auditors for the fiscal year 2016, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of shareholders, will be made available to the shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 03/04/2017 Dividend distribution proposal for the year 2016: The Board of Directors of Byblos Bank S.A.L. has the pleasure to announce to its shareholders that it resolved in its meeting held on 31 March 2017, to propose to the

8 Ordinary General Assembly convened to meet on 28 April 2017 at the Bank s Headquarters, the distribution of dividends for the year 2016 as follows: For Common Shareholders: LBP 200 per share (Before withholding tax) For Preferred Shareholders: Class 2008: USD 8 per share; (Before withholding tax) Class 2009: USD 8 per share; (Before withholding tax) Subject to the Ordinary General Assembly s approval, such dividends will be paid on or about 5 May 2017 after deducting the withholding tax, to shareholders as at 4 May 2017 (record date), according to the records of Midclear (the Central Depository). For GDR holders: LBP 200 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting the withholding tax and other expenses starting 10 May Daily Bulletin- 03/04/2017 Unaudited Consolidated Financial Statements December 31, 2016: Byblos Bank SAL publishes its Unaudited Consolidated Financial Statements for the year ended December 31, Full report can be accessed by using the following URL: Daily Bulletin- 27/01/2017 Unaudited Financial Statements September 30, 2016: Byblos Bank SAL publishes its Consolidated Unaudited Financial Statements for the period ended September 30, Full report can be accessed by using the following URL: Daily Bulletin- 27/10/2016 Announcement by Byblos Bank S.A.L.:

9 The Extraordinary General Assembly of shareholders of Byblos Bank SAL convened on September 30, 2016 and decided to approve the agreement signed, on June 30, 2016, between Byblos Bank SAL and Banque Pharaon and Chiha SAL related to the purchase of all assets, liabilities, rights and obligation of Banque Pharaon and Chiha SAL by Byblos Bank SAL. Likewise, the extraordinary General Assembly of shareholders of Banque Pharaon and Chiha SAL convened on September 30, 2016 and decided to approve the agreement mentioned here above. The assembly also decided to dissolve and liquidate Banque Pharaon and Chiha SAL and to cross off its name from the Banks list. On October 19, 2016 Banque Du Liban took the decision number 60/29/16 that gives Byblos Bank SAL the final approval to purchase all assets, liabilities, rights and obligation of Banque Pharaon and Chiha SAL and to cross off the name of Banque Pharaon and Chiha SAL from the Banks list. Daily Bulletin- 25/10/2016 The Extraordinary General Assembly Meeting on September 30, 2016: The Extraordinary General Assembly of shareholders of Byblos Bank SAL convened on September 30, 2016 and decided to approve the agreement signed between Byblos Bank SAL and Banque Pharaon and Chiha SAL related to the purchase of all assets, liabilities, rights and obligation of Banque Pharaon and Chiha SAL by Byblos Bank SAL. The decision becomes effective upon the final approval of Banque Du Liban. (Minutes of the meeting Arabic). Daily Bulletin- 04/10/2016 Invitation to the Extraordinary General Assembly Meeting to be held on September 30, 2016: The holders of Byblos Bank S.A.L. common shares are invited to attend the Extraordinary General Assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 12 noon on Friday, 30 September 2016, in order to discuss and decide on the following agenda: 1. Approval of the acquisition of the assets, rights, liabilities and obligations of Banque Pharaon & Chiha S.A.L. in accordance with Article 10 of Law 192/ Miscellaneous. Daily Bulletin- 30/08/2016 The Ordinary General Assembly Meeting held on April 26, 2016:

10 Byblos Bank SAL publishes the minutes of the Ordinary General Assembly of shareholders of April 26, (Minutes of the meeting) Daily Bulletin- 12/08/2016 Unaudited Financial Statements June 30, 2016: Byblos Bank SAL publishes its Unaudited Financial Statements for the period ended June 30, Full report can be accessed by using the following URL: Daily Bulletin- 27/07/2016 Byblos Bank Acquires Banque Pharaon & Chiha Byblos Bank announced that it has completed the acquisition of 99.18% of the shares of Banque Pharaon & Chiha. The shares were mainly acquired following the assignment by Messrs. Raymond Samir Zina Rahmeh and Teddy Samir Zina Rahmeh (collectively known as ZR Group) to Byblos Bank of their shares and rights under share purchase agreements entered into with the former shareholders of Banque Pharaon & Chiha. The consideration is based on a valuation of 100% of the issued share capital of Banque Pharaon & Chiha at USD 91 million. ZR Group has received the preliminary authorization from Banque du Liban to acquire directly or through a holding company especially registered for this purpose, up to 5.6% of the common shares of Byblos Bank calculated on the basis of a share price equal to 125% of Byblos Bank s audited book value as at 31 December Byblos Bank s acquisition of Banque Pharaon & Chiha, which is a first step to the merger through absorption of the bank subject to the approval of Banque du Liban, is aligned with its long-term strategy of consolidating its robust customer deposit base. With five branches, 100 employees, 30,000 accounts, and deposits of USD 242 million as at end-2015, this is a small acquisition for Byblos Bank, but Banque Pharaon & Chiha s special place in the history of Lebanon s financial services industry, and its status as the oldest bank in Lebanon (founded in 1876), makes it highly symbolic. Byblos Bank s previous acquisitions in Lebanon include: Unicredit Banca Di Roma s Lebanon branch in 2008; ABN AMRO Bank N.V. s Lebanon branch in 2002; Wedge Bank Middle East in 2001; and Banque Beyrouth pour le Commerce in Byblos Bank was established in 1950, and is one of Lebanon s top three banks with consolidated total assets of USD 19,870 million as at end It has one of the largest domestic branch networks, and is present in 12 countries in the Middle East, Europe, and Africa. Furthermore, Byblos Bank is the only bank in Lebanon whose shareholders include not only the International Finance Corporation (IFC), the private sector arm of the World Bank Group, but also both the Agence Française de Développement (AFD), the development agency of the French government, and its subsidiary, the Société de Promotion et Participation pour la Coopération Economique (PROPARCO). Daily Bulletin- 11/05/2016

11 Ex-dividend Date: In reference to the announcement issued by Byblos Bank S.A.L. related to the decision of the Annual Ordinary General Assembly of shareholders of April 26, 2016 to distribute dividends for the holders of shares on record as at May 4 th, 2016 (Record date), the Beirut Stock Exchange declares that the Ex-dividend date of the shares and GDRs of Byblos Bank S.A.L. is Thursday, April 28, Dividend distribution for the year 2015: Daily Bulletin- 27/04/2016 The Ordinary General Assembly of Byblos Bank S.A.L. held on 26 April 2016 at the Bank s Headquarters, approved on the distribution of dividends for the year 2015 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 5 May 2016 after deducting the 5% withholding tax, to shareholders as at 4 May 2016 (record date), according to the records of Midclear (the Central Depository).. For GDR holders: LBP 200 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting withholding tax and other expenses starting 10 May Daily Bulletin- 27/04/2016 Dividend distribution proposal for the year 2015: The Board of Directors of Byblos Bank S.A.L. has the pleasure to announce to its shareholders that it resolved in its meeting held on 23 March 2016, to propose to the Ordinary General Assembly convened to meet on 26 April 2016 at the Bank s Headquarters, the distribution of dividends for the year 2015 as follows: For Common Shareholders: LBP 200 per share (Before withholding tax) For Preferred Shareholders: Class 2008: USD 8 per share; (Before withholding tax) Class 2009: USD 8 per share; (Before withholding tax)

12 Subject to the Ordinary General Assembly s approval, the dividends will be paid on or about 5 May 2016 after deducting the withholding tax, to shareholders as at 4 May 2016 (record date), according to the records of Midclear (the Central Depository). For GDR holders: LBP 200 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting the withholding tax and other expenses starting 10 May Daily Bulletin- 31/03/2016 Invitation to the Annual Ordinary General Assembly for Holders of Preferred Shares: The holders of Byblos Bank S.A.L. preferred shares are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:00 a.m. on Tuesday, 26 April 2016, in order to discuss and decide on the matters listed in the following agenda: To hear the general and special Board reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To advise on the accounts of the fiscal year 2015 and on the allocation of its results. To advise on the discharge of the chairman and Board members for their administrative duties during the fiscal year To advise on the election of a new Board of Directors. To advise on the operations performed between the Board members and the Bank during the fiscal year 2015 and on the authorization to be given to the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2016 all the operations described in the special report of the Board of Directors and the Auditors. To advise on the determination of the auditors remuneration and the directors and Board committee members for the fiscal year Miscellaneous. The balance sheet, inventory, profit and loss account for the fiscal year 2015, general and special reports of both the Board and the Auditors for the fiscal year 2015, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of holders of the preferred shares will be made available to shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting.

13 Daily Bulletin- 31/03/2016 Invitation to the Annual Ordinary General Assembly Meeting to be held on May 15, 2015: The shareholders of Byblos Bank S.A.L. are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:30 a.m. on Tuesday, 26 April 2016, in order to discuss and decide on the matters listed in the following agenda: To hear the general and special Board reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To approve the accounts of the fiscal year 2015 and on the allocation of its results. To discharge the chairman and Board members for their administrative duties during the fiscal year To approve the operations performed between the Board members and the Bank during the fiscal year 2015 and to authorize the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2016 all the operations described in the special report of the Board of Directors and the Auditors. To determine the auditors remuneration and the Board of Directors and Board committee members emoluments for the fiscal year Miscellaneous. The balance sheet, inventory, profit and loss account for the fiscal year 2015, general and special reports of both the Board and the Auditors for the fiscal year 2015, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of shareholders, will be made available to the shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 31/03/2016 Unaudited Financial Statements December 31, 2015: Byblos Bank SAL publishes its Unaudited Financial Statements for the year ended December 31, Full report can be accessed by using the following URL: 0dec% pdf Daily Bulletin- 28/01/2016

14 Election of Dr. François Bassil as Chairman of Byblos Group and Mr. Semaan Bassil as Chairman of the Board of Directors and General Manager of Byblos Bank S.A.L. : The Secretariat of the Board of Directors of Byblos Bank S.A.L. announced that the Board of Directors, in line with the development and growth of the Bank s business in Lebanon and abroad, passed during its meeting held on 25 July 2015 two resolutions approving the election of Dr. François Bassil as Chairman of Byblos Group, and the election of Mr. Semaan Bassil as Chairman of the Board and General Manager of Byblos Bank S.A.L. The election of Dr. François Bassil came pursuant to the resolution of the Extraordinary General Assembly of Shareholders held on 15 May 2015 to create Byblos Group, which is comprised of the banks and subsidiaries of Byblos Bank S.A.L. As Chairman of the Board of Directors and General Manager of Byblos Bank S.A.L., Mr. Semaan Bassil is vested with the powers granted to him by law and the Articles of Association. In this capacity, Mr. Semaan Bassil represents Byblos Bank S.A.L. in Lebanon and abroad, implements the Board s decisions, and conducts the Bank s business and daily operations. Byblos Bank S.A.L. operates in 12 countries around the world, through its branches and subsidiaries, namely Byblos Bank Europe, Byblos Bank Syria, Byblos Bank Africa, Byblos Bank Armenia, Byblos Bank RDC, Adonis Insurance and Reinsurance Company (ADIR), Adonis Insurance Company Syria (ADIR Syria), and Byblos Invest Bank, in addition to the branches of both Iraq and Cyprus and the two representative offices in the United Arab Emirates and Nigeria. During more than 25 years of his professional career, Mr. Semaan Bassil, a holder of an MBA from Cambridge University (United Kingdom), has assumed many senior positions. He started his journey in 1988 with Fidelity Bank in the United States and became later Vice-Chairman and General Manager of Byblos Bank S.A.L. in 2000 and until his election as Chairman and General Manager in July He is also Chairman of the Board of Byblos Bank Syria since its establishment in 2005; and Chairman and General Manager of Byblos Invest Bank since Mr. Bassil is as well a Board member of Byblos Bank Europe and Byblos Bank Africa, and chairs a number of board committees in the various banks affiliated to Byblos Bank S.A.L. Dr. François Bassil, Chairman of Byblos Group, noted that these new Board resolutions reinforce Byblos Bank s position among the leading banks in Lebanon, and contribute to the development of its structure and therefore its business in Lebanon and abroad. Under the current local and regional circumstances, the Bank will continue to strengthen its financial performance by maintaining good asset quality and high levels of capital adequacy and liquidity. It will also pursue its plans for the improvement, development, simplification and automation of its procedures, as well as the adoption of the best methods and tools made available by modern technology to offer its customers optimal banking services.

15 Above all, Byblos Group s employees constitute the primary safety net and the key factor in its continued success and progress. Mr. Semaan Bassil s wise leadership and broad experience in banking, coupled with his deep knowledge of all the ins and outs of the business of Byblos Bank S.A.L. and affiliated banks and companies in the 12 countries where it operates, will contribute to the Bank s steady advancement and sustainable growth so that it remains Your Bank for Life. For more information, kindly contact: Rudy Sassine Group Communication Department at Byblos Bank Tel.: (Ext.: 0314) rsassine@byblosbank.com.lb Daily Bulletin- 06/08/2015 Dividend distribution proposal 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 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 Daily Bulletin- 18/05/ Consolidated Annual Financial Statements and Auditors Report:

16 Byblos Bank s Audited Consolidated Annual Financial Statements for the year ended 31 December 2014 (including the Auditors report and accompanying notes) can now be downloaded from the Bank s website by pasting the following link into the address bar of your web browser: ncial%20statements/download%202014%20reports/byblos%20bank- EFSconsolidated%20December%202014(F).pdf Daily Bulletin- 30/04/2015 Dividend distribution proposal for the year 2014: The Board of Directors of Byblos Bank S.A.L. has the pleasure to announce to its shareholders that it resolved in its meeting held on 17 April 2015, to propose to the Ordinary General Assembly convened to meet on 15 May 2015 at the Bank s Headquarters, the distribution of dividends for the year 2014 as follows: For Common Shareholders: LBP 200 per share (Before withholding tax) For Preferred Shareholders: Class 2008: USD 8 per share; (Before withholding tax) Class 2009: USD 8 per share; (Before withholding tax) Subject to the General Assembly s approval, such dividends will be paid on or about 22 May 2015 after deducting the withholding tax, to shareholders as at 20 May 2015 (record date), according to the records of Midclear (the Central Depository). Shares will trade exdividend starting 18 May For GDR holders: LBP 200 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting the withholding tax and other expenses starting 27 May Daily Bulletin- 22/04/2015 Invitation to the Annual Ordinary General Assembly for Holders of Preferred Shares to be held on May 15, 2015: The holders of Byblos Bank S.A.L. preferred shares are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:00 a.m. on Friday, 15 May 2015, in order to discuss and decide on the matters listed in the following agenda: To hear the Board of Directors general and special reports for the fiscal year 2014.

17 To hear the Auditors general and special reports for the fiscal year To advise on the accounts of the fiscal year 2014 and on the allocation of its results. To advise on the discharge of the chairman and Board members for their management duties during the fiscal year To advise on the election of a new Board of Directors. To advise on the operations performed between the Board members and the Bank during the fiscal year 2014 and on the authorization to be given to the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of Money and Credit, to carry out during 2015 all the operations described in the special report of the Board of Directors and the Auditors. To advise on appointment of the Auditors for 2014, 2015 and To advise on the determination of the remuneration of the Auditors and the emoluments of the Board members and Board committee members for the fiscal year Miscellaneous. The balance sheet, inventory, profit and loss account for the fiscal year 2014, general and special reports of both the Board and the Auditors for the fiscal year 2014, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of shareholders, will be made available to the shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 20/04/2015 Invitation to the Annual Ordinary General Assembly Meeting to be held on May 15, 2015: The shareholders of Byblos Bank S.A.L. are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:30 a.m. on Friday, 15 May 2015, in order to discuss and decide on the matters listed in the following agenda: To hear the Board of Directors general and special reports for the fiscal year To hear the Auditors general and special reports for the fiscal year To approve the accounts of the fiscal year 2014 and allocate its results. To discharge the chairman and Board members for their management duties during the fiscal year To elect a new Board of Directors. To approve the operations performed between the Board members and the Bank during the fiscal year 2014 and authorize the Board members, in accordance with Articles 158 & 159 of the Code of Commerce and Article 152 of the Code of

18 Money and Credit, to carry out during 2015 all the operations described in the special report of the Board of Directors and the Auditors. To appoint the Auditors for 2014, 2015 and To determine the remuneration of the Auditors and the emoluments of the Board members and Board committee members for the fiscal year Miscellaneous. The balance sheet, inventory, profit and loss account for the fiscal year 2014, general and special reports of both the Board and the Auditors for the fiscal year 2014, consolidated profit and loss account, consolidated balance sheet and relevant Auditors report, as well as the list of shareholders, will be made available to the shareholders at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, during the regular business hours 16 days before the meeting. Daily Bulletin- 20/04/2015 Invitation to the Extraordinary General Assembly Meeting to be held on May 15, 2015: The shareholders of Byblos Bank S.A.L. are invited to attend the extraordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11 p.m. on Friday, 15 May 2015, in order to discuss and decide on the matters listed on the following agenda: 3. Insertion of article 34 bis in the Bank s Articles of Association. 4. Miscellaneous. Daily Bulletin- 20/04/2015 Byblos Bank Announces its Financial Results for the First Nine Months of 2014: Byblos Bank Headquarters, 27 October 2014: Byblos Bank further extended its run of solid financial performance in the first nine months of 2014, recording healthy ratios despite persistent economic stagnation and political insecurity on both the local and regional levels. The Bank s results served to reaffirm the confidence of depositors and other stakeholders, with customer deposits rising by 5.7% (+USD 0.8 billion) to reach USD 15.6 billion as at 30 September 2014, and total assets registering growth of 2.6% (+USD 0.5 billion) to reach USD 19 billion as at end-september The results also reiterated the Bank s firm support for the private sector, with net customer loans increasing by 4.97% (+USD 0.2 billion) to reach USD 4.73 billion at the end of the same period. Net income remained almost unchanged with a small drop of 0.7% during the first nine months of 2014 to reach US$ million as compared to US$ million in the same period of last year.

19 Grounded in a long-term vision to deliver healthy and sustained returns, Byblos Bank s strategy helps set the standard for the sound banking practices that have enabled Lebanon s financial sector to overcome local and international challenges alike. This strategy focuses on sustaining high levels of capital adequacy and liquidity, allocating enough provisions against potential credit losses, and sticking to conservative lending for consumers. The end-september 2014 results indicate that Byblos Bank has continued to maintain financial cushions sufficient to mitigate unexpected risks and counter economic volatility. Primary liquidity placed with banks and central banks (including Central Bank of Lebanon certificates of deposit) amounted to USD 9.2 billion at the end of the third quarter, representing 48.7% of total assets. The Bank also enjoys a capital adequacy ratio that is one of the highest in the Lebanese banking sector, amounting to 16.5%, versus a minimum of 12% required by the regulatory authorities in Lebanon by December 2015 and 11.5% as at end Moreover, Byblos Bank s sound strategy is supported by a ratio of net non-performing loans (NPLs) to total loans that remains below 1% as at 30 September 2014, and a coverage ratio, including collective provisions, on non-performing loans of 132% as at the same date. Armed with the longstanding confidence of its shareholders, Byblos Bank continues to provide world-class products and services for clients and consistent value for business partners. The Bank s list of shareholder includes, among others, the International Finance Corporation (IFC), private sector arm of the World Bank Group, which has been represented on the Board of Directors since the beginning of In 2010 the IFC set a new record for the largest investment in a Lebanese bank by an international entity when it acquired the equivalent of USD 100,000,000 in Byblos Bank shares. For further information, please contact: Ziad El Zoghby Head of Finance and Administration Division Phone: Daily Bulletin- 28/10/2014 Annual Ordinary General Assembly on May 9, 2014: The Ordinary General Assembly of Byblos Bank S.A.L. held on 9 May 2014 at the Bank s Headquarters decided to approve the Board s general and special reports and all the elements of the Consolidated and stand-alone balance sheet and the Consolidated and separate income statement for fiscal year 2013.

20 The distribution of the 2013 dividends as follows: - Dividends for Preferred Shares Class 2008 USD 8 per share; (USD 7.6 Net of 5 % withholding tax) - Dividends for Preferred Shares Class 2009 USD 8 per share; (USD 7.6 Net of 5 % withholding tax) - Dividends for Common Shares: LBP 200 per share (LBP 190 Net of 5% withholding tax) The Ordinary General Assembly also decided to discharge of the Chairman and Board members for their duties during the fiscal year 2013 and finally took note and approved the resignations of His Excellency Sami Haddad and decided to elect Mr. Des O Shea as a board member for the remaining mandate of the present Board and until the Annual Ordinary General Assembly meets to examine the 2014 financial statements. Daily Bulletin- 29/05/2014 Dividend distribution for the year 2013: The Ordinary General Assembly of Byblos Bank S.A.L. held on 9 May 2014 at the Bank s Headquarters approved on the distribution of dividends for the year 2013 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 16 May 2014 after deducting the 5% withholding tax, to shareholders as at 14 May 2014 (record date), according to the records of Midclear (the Central Depository). Shares will trade ex-dividend starting 12 May 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 21 May Daily Bulletin- 12/05/2014 Dividend distribution proposal for the year 2013: The Board of Directors of Byblos Bank S.A.L. has the pleasure to announce to its shareholders that it resolved in its meeting held on 11 April 2014, to propose to the Ordinary General Assembly convened to meet on 9 May 2014 at the Bank s Headquarters, the distribution of dividends for the year 2013 as follows: For Common Shareholders: LBP 200 per share (Before withholding tax) For Preferred Shareholders: Class 2008: USD 8 per share; (Before withholding tax)

21 Class 2009: USD 8 per share; (Before withholding tax) Subject to the General Assembly s approval, such dividends will be paid on or about 16 May 2014 after deducting the withholding tax, to shareholders as at 14 May 2014 (record date), according to the records of Midclear (the Central Depository). Shares will trade exdividend starting 12 May For GDR holders: LBP 200 per share paid in US dollars through the depositary bank, The Bank of New York Mellon, after deducting the withholding tax and other expenses starting 21 May Daily Bulletin- 16/04/2014 Invitation to the Annual Ordinary General Assembly of Holders of Preferred Shares to be held on May 9 th, 2014: The holders of Byblos Bank S.A.L. preferred shares are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:00 AM on Friday, May 9, Daily Bulletin- 14/04/2014 Invitation to the Annual Ordinary General Assembly Meeting to be held on April 9 th, 2014: The shareholders of Byblos Bank S.A.L. are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:30 a.m. on Friday, May 9, Daily Bulletin- 14/04/2014 Byblos Bank Records Growth in Key Financial Areas: Byblos Bank Headquarters, 29 January 2014: Despite uncertainty on the political level and an ongoing stagnation of the economy, Byblos Bank witnessed growth in key financial areas. Total assets stood at USD 18.5 billion as at the end of 2013, registering a growth of 8.6% during the year. Customer deposits also grew, rising by 10.2% (+USD 1.4 billion) to reach USD 14.7 billion as at the end of December 2013, while net customer loans increased during 2013 by 9.5% (+USD 393 million) to reach USD 4.5 billion. Byblos Bank s sound asset quality remains one of the key indicators of its solid financial position. Indeed, the Bank allocated enough specific and collective provisions against credit losses for an amount of USD 57.3 million during 2013, of which USD 17.5 million

22 in collective provisions against a loan portfolio of USD 4,792 million. These provisions affected the net income of the Bank for 2013, which amounted to USD million, a decrease of 6% compared to Byblos Bank s healthy financials are also reinforced by net non-performing loans accounting to only 1.0% of net loans as at end-december 2013, all of which are fully covered when collective provisions are taken into account. In fact, the Bank s coverage ratio on non-performing loans, including collective provisions, reached 118.0% as at end- December Moreover, the Bank s Basel III capital adequacy ratio reached a level of 14.7% as at the end of June 2013 versus a 12% minimum regulatory requirement with full compliance by December The solidity of Byblos Bank financial position is also manifested through the Bank s primary liquidity placed with banks and central banks (including Banque du Liban certificates of deposit) amounted to USD 9.3 billion, representing 63.0% of customer deposits as at the end of This steady financial performance is coupled with the trust of strategic international partners such as the International Finance Corporation, the private sector arm of the World Bank Group; the Agence Française de Développement, the development agency of the French government, and its subsidiary, the Société de Promotion et Participation pour la Coopération Economique; who are among the maim Bank s main shareholders. It is to note that The Bankers magazine, a sister publication of The Financial Times, confirmed that Byblos Bank is the most solid among Lebanese banks with a Tier 1 capital-to-assets ratio of 8.18% for For further information, please contact: Ziad El Zoghby Head of Finance and Administration Division Phone: Consolidated Annual Financial Statements and Auditors Report Daily Bulletin- 30/01/2014 Byblos Bank s Audited Consolidated Annual Financial Statements for the year ended 31 December 2012 (including the Auditors report and accompanying notes) can now be downloaded from the Bank s website by pasting the following link into the address bar of your web browser: ancial%20statements/download%202012%20reports/byblos%20bank%20sal%20aud ited%20consolidated%20financials_2012.pdf Daily Bulletin- 15/05/2013

23 Dividend distribution for the year 2012: The Ordinary General Assembly of Byblos Bank S.A.L. held on 11 May 2013 at the Bank s Headquarters approved on the distribution of dividends for the year 2012 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 17 May 2013 after deducting the 5 % withholding tax, to shareholders as at 15 May 2013 (record date), according to the records of Midclear (the Central Depository). Share will trade ex-dividend starting 13 May For GDR holders: LBP 200 per share paid in US dollars through the depositary The Bank of New York Mellon after deducting the 5 % withholding tax and other expenses starting 23 May Daily Bulletin- 14/05/2013 Dividend distribution proposal for the year 2012: The Board of Directors of Byblos Bank S.A.L. has the pleasure to announce to its shareholders that it resolved in its meeting held on 18 April 2013, to propose to the Ordinary General Assembly convened to meet on 11 May 2013 at the Bank s Headquarters, the distribution of dividends for the year 2012 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) Subject to the General Assembly s approval, such dividends will be paid on or about 17 May 2013 after deducting the 5 % withholding tax, to shareholders as at 15 May 2013 (record date), according to the records of Midclear (the Central Depository). Shares will trade ex-dividend starting 13 May 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 23 May Daily Bulletin- 08/05/2013

24 Invitation to the Annual Ordinary General Assembly of Holders of Preferred Shares to be held on April 11 th, 2013: The holders of Byblos Bank S.A.L. preferred shares are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:00 AM on Saturday, May 11 th, Daily Bulletin- 19/04/2013 Invitation to the Annual Ordinary General Assembly Meeting to be held on April 11 th, 2013: The shareholders of Byblos Bank S.A.L. are invited to attend the annual ordinary general assembly to be held at Byblos Bank Headquarters in Ashrafieh, Elias Sarkis Avenue, at 11:30 a.m. on Saturday, May 11 th, Daily Bulletin- 19/04/2013 Byblos Bank 2012 Financial Highlights: Issuance of USD 300 million Sub-debt and Maintenance of High Liquidity: Byblos Bank Headquarters, 26 January 2013: Byblos Bank showed high resilience facing the worldwide economic downturn as well as the political uncertainty in the region. By sticking to its conservative strategy, the Bank preserved its solid financial position during the year The Bank successfully issued in December 2012, USD 300 million, 10-year convertible subordinated loans bearing a yearly coupon of 6.5% paid quarterly. Byblos Bank maintained one of the most elevated liquidity levels in the banking sector. Indeed, its Primary Liquidity Placed with Central Banks and Banks amounted to USD 8.9 billion representing 66.6% of total deposits at the end of December The capitalization of Byblos Bank recorded a high level with a Basel III Capital Adequacy Ratio of 15.5%, versus a 12% minimum regulatory requirement with full compliance by December Byblos Bank kept a strong asset quality, thereby allocating specific and collective provisions for credit losses for an amount of USD 66.7 million during 2012, out of which USD 30.6 million are collective provisions. Gross Non-performing Loans represented 4.0% of gross loans as at 31 December 2012, and were covered up to 75.1% by specific provisions and reserved interest. The coverage ratio reaches 128.4% when collective provisions are accounted, which represents 2.3% of Net Loans. Net Non-performing