1st Quarter Results

Byblos Bank S.A.L.

Press Release - 1st Quarter 2011 Unaudited Results

27 April, 2011

Byblos Bank's unaudited consolidated net profit for the three months ended 31 March, 2011 increased by 22.8% to U.S.$ 38.56 million as compared to U.S.$ 31.41 million for the same period in 2010. Total assets increased by 4.1% during the first quarter of 2011 to U.S.$ 15.9 billion as at 31 March, 2011, as compared to U.S. $15.3 billion at the end of 2010. Customers' deposits increased during the first quarter of 2011 by 2.8% to U.S.$ 12.2 billion as at 31 March, 2011, and net customers' loans remained stable during the first quarter of 2011 and stood at U.S.$ 3.8 billion as at 31 March, 2011.

Byblos Bank continued to maintain high immediate liquidity in the form of short term placements with banks which increased by 15.2% during the first quarter of 2011 and represented 28.3% of customers' deposits as at 31 March, 2011. (or 45.7% if we include due from Central Bank).

Gross Non Performing Loans represented 2.28% of gross loans as at as at 31 March, 2011 and were covered up to 155% by provisions (specific and collective).

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/newscenter/financial_reports/UnauditedBS310311English.pdf

For further information, please contact:

Alain Wanna

Deputy General Manager - Head of Financial Markets

Byblos Bank S.A.L.

Phone: +961 1335 422