3rd Quarter Results

Byblos Bank S.A.L.

Regulatory Announcement - 3rd Quarter 2010 Unaudited Results

1 November, 2010

Byblos Bank's unaudited consolidated net profit for the nine months ended 30 September, 2010 increased by 25.7% to U.S.$ 120.59 million as compared to U.S.$ 95.95 million for the same period in 2009. Total assets increased by 11.1% during the first nine months of 2010 to U.S.$ 15.1 billion as at 30 September, 2010, as compared to U.S. $13.6 billion at the end of 2009. Customers' deposits increased during the first nine months of 2010 by 12.7% to U.S.$ 11.6 billion as at 30 September, 2010, and net customers' loans increased during the first nine months of 2010 by 10.3% to U.S.$ 3.5 billion as at 30 September, 2010.

Byblos Bank continued to maintain high immediate liquidity in the form of short term placements with banks which increased by 31% during the first nine months of 2010 and represented 23.5% of customers' deposits (or 39% if we include due from Central Bank).

Gross Non Performing Loans represented 2.40% of gross loans as at end September 2010 and were covered up to 147% by provisions (specific and collective); Capital Adequacy Ratio according to Basle 2 stood at 16%.

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/UnauditedBS300910English.pdf

For further information, please contact:

Alain Wanna

Assistant General Manager - Head of Finance and Administration Division

Byblos Bank S.A.L.

Phone: +961 1334 920