Final Results

Byblos Bank S.A.L.

Regulatory Announcement - 2010 Unaudited Results

2 February, 2011

Byblos Bank's unaudited consolidated net profit for the year 2010 increased by 22.5% to U.S.$ 178.36 million as compared to U.S.$ 145.55 million for the year 2009. Total assets increased by 12.6% during 2010 to U.S.$ 15.3 billion as at 31 December, 2010, as compared to U.S. $13.6 billion at the end of 2009. Customers' deposits increased during 2010 by 15.6% to U.S.$ 11.9 billion as at 31 December, 2010, and net customers' loans increased during 2010 by 18.0% to U.S.$ 3.8 billion as at 31 December, 2010.

Byblos Bank continued to maintain high immediate liquidity in the form of short term placements with banks which increased by 24% during 2010 and represented 21.7% of customers' deposits (or 37.1% if we include due from Central Bank).

Gross Non Performing Loans represented 2.33% of gross loans as at end December 2010 and were covered up to 150% by provisions (specific and collective); Capital Adequacy Ratio according to Basle 2 stood at 17%.

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/UnauditedBS310111English.pdf

For further information, please contact:

Alain Wanna

Assistant General Manager - Head of Finance & Administration and Financial Markets

Byblos Bank S.A.L.

Phone: +961 1335 422