Investor Presentation 2016

1. Overview

2. Financial Information

3. Business Information

4. Share Information

Overview 2016

One of the oldest local banks, founded in 1951

The most profitable bank with net profits of $404.3M in 2015

Offers complete range of universal banking services

Highest Credit Ratings: B2 (Moody’s), B- (Standard & Poor’s) & B (Capital Intelligence)

Geographic presence throughout MENA & Europe: Lebanon, Jordan, Egypt, UAE, KSA, Qatar, Iraq, UK, France, Switzerland, Romania, Cyprus

Banker Middle East

Most Awarded Local Bank by Prominent International Sources

330.6 331.5 335.9352.8 364.8

404.3

463.3

2010 2011 2012 2013 2014 2015 2016

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EMEA Finance

ROAA 1.58% 1.42%

ROAE 17.43% 16.00%

EPS ($) $2.25 $1.86

No. of Branches **

No. of Employees 4,673* 4,818

2016 2015

Foreign

Lebanon 88

131

85

174

Overall Liquidity FC

LBP

51.79%

80.14%

48.21%

79.06%

The Asian Banker

Highest Corporate Governance Score in Lebanon by Capital Concept s.a.l.

Key Indicators

Euromoney

Global Investor/ISF

* Deconsolidation of Syrian Operations ** Includes 56 Insurance points of sale

Consistent Annual Income Growth ($M) Major Highlights

European Emerging Markets Awards

The Banker

1. Overview

2. Financial Information

3. Business Information

4. Share Information

Balance Sheet 2016

1,816 1,9732,172 2,339 2,512

2,7112,936

7510

1010

1110

10

2010 2011 2012 2013 2014 2015 2016

Breakdown of Total Assets [$29.5Bn; 1.48% YoY; 2010-2015 CAGR 4.76%]

Loans 24.26%

Securities (Sovereign + Corporate)

19.26%

Interbank 7.28%

Cash & Central Bank 46.73%

Others 2.47%

Tier I & Tier II Capital ($M)[Basel III CAR of 19%]

Breakdown of Assets by Country

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$29.5Bn

Lebanon 23,999 81.27 7.13 22,402 21,612 20,288 19,171

Qatar 94 0.32 5.62 89 120 179 72

($M) 2016 % Total YoY 2015 2014 2013 2012

Egypt 1,532 5.18 (39.37) 2,527 2,093 1,705 1,692

Jordan 1,082 3.66 (2.17) 1,106 1,102 1,003 951

Syria * 0 0 NA 271 374 442 706

UAE 829 2.81 13.72 729 727 732 622

KSA 105 0.36 (3.67) 109 100 78 30

Iraq 76 0.26 38.18 55 27 NA NA

Europe 1,813 6.14 0.11 1,811 1,820 1,722 1,807

Shareholder’s Equity by Country [$2.9Bn; 8.27% YoY]

Lebanon 2,166 73.52 18.95 1,821 1,662 1,554 1,399

KSA 83 2.82 7.79 77 71 38 16

($M) 2016 % Total YoY 2015 2014 2013 2012

Egypt 129 4.38 (46.47) 241 217 187 180

Jordan 128 4.34 4.92 122 113 101 106

Syria * 0 0 NA 47 48 50 89

UAE 129 4.38 0.78 128 124 123 92

Iraq 28 0.95 460 5 12 NA NA

Europe 243 8.25 0.83 241 240 255 260

Qatar 40 1.36 2.56 39 36 41 40

* Deconsolidation of Syrian Operations

Income & Provisioning 2016

2.18%

2.29% 2.29%

2.24%

2.12%

2.07%

2.15%

2.33%

2009 2010 2011 2012 2013 2014 2015 2016

Net Interest Margin[Net Interest Income $690M; 12.88% YoY; 2010-2015 CAGR 5.69%]

3.70

3.20 3.884.74

5.023.69

3.20 2.85 2.84 2.842.92 3.01

3.48

1.20

1.62

3.57 5.19

5.32

2.93

0.69 0.350.32

0.44 0.27 0.23

0.91

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Nov-16

Average Cost of USD Deposits Average Libor 3M

USD Interbank & Deposits (%)

13.89 16.51

39.26

105.06

69.80

41.27

16.8

82.09

3.44%

2.69%

3.20%

5.44%

4.89%

4.44%

4.40%4.18%

2009 2010 2011 2012 2013 2014 2015 2016

Net Provisions ($M) Gross Non-Performing/Gross Loans

Net Provisions [(388.63%) YoY] ; NPLs

Net Income by Country[Net Income $463.31M; 14.60% YoY; 2010-2015 CAGR 5.79% ]

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Lebanon 360.4 77.79 20.80 298.33 286.50 291.14 285.71

Qatar 1.19 0.26 (50.83) 2.42 (4.77) 1.28 0.27

($M) 2016 % Total YoY 2015 2014 2013 2012

Egypt 54.2 11.7 25.05 43.34 33.14 20.92 10.84

Jordan 15.17 3.27 (14.73) 17.79 16.46 11.67 13.34

Syria * NA NA NA 24.08 13.03 1.93 2.01

UAE 10.76 2.32 45.21 7.41 6.68 4.99 11.03

KSA 5.80 1.25 (19.67) 7.22 6.81 10.28 1.15

Iraq 4.03 0.87 143.47 (9.27) (2.39) NA NA

Europe 11.76 2.54 (9.12) 12.94 9.32 10.23 11.58

* Deconsolidation of Syrian Operations

Fee Income 2016

Fee Income ($M)* [5.43% YoY; Ratio of Fee Income to Operating Income 2016 15.13%]

Fee Income Breakdown by Type

98.01

118.12

138.53 133.04145.94

167.38173.51

182.93

2009 2010 2011 2012 2013 2014 2015 2016

Trade Finance 10.1%

Credit & Corporate Finance 5.7%

Retail 22%

Insurance 10%

Asset Management & Custody 28.4%

Private Banking 19.9%

Others 3.9%

*Includes Net Commissions & Fee income, Foreign Exchange Gain & Dividends

* Non-Interest Expenses / Total Revenue

35.58%

35.04%

36.39%

37.99%37.68%

39.11%

36.80%

35.81%

2009 2010 2011 2012 2013 2014 2015 2016

Cost-to-Income

70 %

52 %

Efficiency Ratio *

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$182.93M

57.24 52.66 53.72

58.71 59.62 57.80 57.23 53.94

66.06

2008 2009 2010 2011 2012 2013 2014 2015 2016

Peer Group Analysis 2016

ROA ; ROE (Common)Net Income ($M)

0.85 0.91 0.71

4.88

6.30

7.83

Blom Audi Byblos

Price to Net Book Price to Earnings yield

Financial Ratios

15.88%12.76%

Volatility of Return

463.31470.10

165.30

35.81%

53.60%49.5%

Blom Audi Byblos

Net Profits Cost to Income Ratio

1.58% 1.08%0.81%

17.43%14.7%

9.43%

Blom Audi Byblos

ROAA ROAE

[Average Quarterly Return 2005 – 2016 ] [Quarterly Standard Deviation/Mean ]

76.05 75.59

35.4231.49

37.35 34.74

Blom Audi Byblos

Mean Coefficient of Variation

20.48%

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1. Overview

2. Financial Information

3. Business Information

4. Share Information

Deposit Franchise 2016

Total Deposits by Holder *

LBP 28.79%

USD 49.78%

EURO 6.85%

GBP 1.35%

SYP 0.18%

EGP 7.51% Others 5.54%

$24.81Bn

Total Deposits by Currency (QIII 2016)Deposits Breakdown by Country

Corporate 15.70%

HNW 36.37%Middle 34.48%

Retail 13.45%

$24.81Bn

* Retail < $100k ; Middle $100K - $1M ; HNW >$1M

17.9719.61 20.30

21.79 22.5724.01

25.09 24.81

2009 2010 2011 2012 2013 2014 2015 2016

Total Deposits ($B)[(1.12)% YoY] *

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Lebanon 20,597 83.01 3.67 19,868 19,047 18,052 17,208

Qatar 7 0.03 16.67 6 40 87 11

($M) 2016 % Total YoY 2015 2014 2013 2012

Egypt 1,327 5.33 (38.56) 2,160 1,776 1,415 1,364

Jordan 875 3.52 (4.99) 921 905 813 707

Syria * 0 0 NA 254 362 435 643

UAE 637 2.57 14.98 554 526 510 420

Iraq 39 0.16 18.18 33 7 NA NA

Europe 1,329 5.36 2.63 1,295 1,343 1,260 1,438

* Deconsolidation of Syrian Operations

Lending Business 2016

Breakdown of Lending by Sector *

Project Finance 7.81%

Real Estate 5.02%

SMEs 19.88%

Securities 1.42%

Syndicated Loans 1.09%Corporate

23.83%

Retail 40.95%$7.09Bn *

Breakdown of Lending by Countries

4,019

5,1785,591

6,0286,345

6,9107,196 7,163

2009 2010 2011 2012 2013 2014 2015 2016

22.37%

26.41%27.55% 27.66% 28.11% 28.78% 28.68% 28.87%

2009 2010 2011 2012 2013 2014 2015 2016

Loans to Deposits Ratio

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Growth of Total Net Lending ($M)[(0.46)% YoY]

Lebanon 5,277 73.67 2.17 5,165 5,054 4,618 4,328

Qatar 91 1.27 5.81 86 93 139 68

($M) 2016 % Total YoY 2015 2014 2013 2012

Egypt 470 6.56 (34.81) 721 582 465 425

Jordan 512 7.15 0.99 507 456 438 426

Syria * 0 0 0 0 20 51 160

UAE 359 5.01 22.11 294 287 248 237

Iraq 10 0.14 (16.67) 12 1 NA NA

Europe 444 6.20 8.03 411 417 386 384 * Excluding related parties loans & insurance receivables

* Deconsolidation of Syrian Operations

Retail Lending 2016

Growth of Retail Lending ($M)[0% YoY]

Credit Cards 4.72%

Car Loans 20.66%

Housing Loans 63.22%

Personal Loans 11.40%

$2.90Bn

Retail Loans Distribution by Product

Breakdown of Retail Loans by Product

($M) Car Loans % Total YoY (%) Housing Loans % Total YoY(%) Personal Loans % Total YoY(%) Credit Cards % Total YoY(%)

Lebanon 321 53.5 (1.83) 1,697 92.4 6.39 249 75.2 (1.58) 131 95.6 (2.24)

Jordan 67 11.2 (33) 11 0.6 10 33 10 (63.74) 2 1.5 (50)

Syria * 0 0 0 0 0 0 0 0 0 0 0 0

Egypt 212 35.3 1.44 128 7 (0.78) 49 14.8 2.08 4 2.9 0

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Lebanon, 82.58%

Egypt, 3.89%

Syria, 0% *

Jordan, 13.53%

2010 2011 2012 2013 2014 2015 2016

1,558

1,840

2,099

2,904

2,414

2,690

2,904

* Deconsolidation of Syrian Operations

Business Segments 2016

33.20 37.20 39.08 37.9345.32 43.66 41.49 42.28

47

79.6468.99

45.39

63.74 70 68.3475.11

2009 2010 2011 2012 2013 2014 2015 2016

Life Non-Life

Insurance Business - Premium ($M)

Asset Management Business ($M) *Custody Business (AUMs $M)[6.00% YoY]

5,9765,567

5,2055,610

7,1566,719

7,122

2010 2011 2012 2013 2014 2015 2016

52.99%

5.03% 1.13% 2.95%

971.6

21.9

6,606

14,832

Lebanon Syria Jordan Egypt

BLOMINVEST market share Total trading per stock market

Brokerage Activity 2016 US ($M)

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Blom CedarsBalancedFund, 4.3%

Blom Bond Fund, 55.1%

Blom Petra Balanced Fund, 0.5%

Blom Money Market Fund, 33.3%

Blom Saudi Arabia Fund , 0.6%

LBP MMF, 4.4%

Arab Markets Fund, 1.7%

2010 2011 2012 2013 2014 2015 2016

323.07

450.65

491.88

594.29

562.93 567.35

610.65

* Ending of BLOM PYRAMID Fund in 2016

1. Overview

2. Financial Information

3. Business Information

4. Share Information

BLOM BANK Share Performance 2016

Earnings Per Common Share ($)

1.46 1.48 1.53 1.58 1.60

1.86

2.25

2010 2011 2012 2013 2014 2015 2016

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FFA Private Bank Overweight 12.00 Jan 2017

Institution Recommendation Target Price ($) Date

Deutche Bank Buy 12.25 Aug 2015

Arqaam Capital Buy 14.40 Nov 2016

HSBC Hold 11.00 Feb 2016

EFG-Hermes Buy 13.30 Feb 2017

EVA Dimensions Hold NA Jun 2016

Analyst Coverage

2010 180,781,087 74,578,727 255,359,814 1,063,999

IOB BSE Total Daily Average

BLOM GDR Trading on Beirut & London Stock Exchanges ($)*

2011 75,730,415 13,043,123 88,773,538 369,889

2012 132,425,915 31,296,393 163,722,308 682,176

2013 35,012,956 13,481,017 48,493,973 202,058

2014 90,556,591 20,714,978 111,271,569 463,631

2015 78,783.936 20,348,525 99,132,461 550,736

*BLOM BANK Executed a share split of 1/10 for a total of 215 M shares in October 2010

2016 90,786,621 91,096,800 181,883,421 757,848

31.5 30.99 30.1532.2

41.9

44.920.45 0.45 0.450.50

0.66

0.83

2010 2011 2012 2013 2014 2015

Dividend Payout Ratio Dividend Per Share

Dividends Pay-Out(%) & Dividends per Common Share($)

BLOM BANK Shares 2016

1998BLOM Bank had 18,500,000 Common shares in two categories:

-Category A:6,168,000-Category B:12,332,000

Of which 4,389,601(23.72%) were listed as GDR at $ 33 each.

2001 (July)BLOM Bank consolidated the two categories into one.

2006 (February)BLOM Bank increased its capital by $276m through the issuance of 3,000,000 new Global Depository Shares at $92 per share. The GDS were listed on the Luxembourg and Beirut Stock Exchanges.

2006 (August)BLOM Bank listed 7,166,667 common(one third of all common shares) on the BSE.

2008 (June )BLOM Bank listed all its shares on the Beirut Stock Exchange (BSE).

2010 (October)BLOM Bank executed a share split of 1/10 for a total of 215M shares.

Common Shares

1998BLOM Bank issued 4,389,601 Global Depositary Receiptsworth $144.9m.The issue was a secondary issue(No increase in Capital) at $ 33 each.

2006 (February)BLOM Bank increased its capital by $276m through the issuance of 3,000,000 new Global depository Shares at $92 per share. The GDS were listed on the Luxembourg and Beirut Stock Exchanges.The total number of GDR’s wasincreased to 7,389,601(34.37%)

2010 (October)BLOM Bank executed a share split of 1/10 for a total of 73,896,010 GDRs.

GDR

73,896,010(34.37% of Total Common)

DR Ticker: BLBD

- CUSIP:093688109

- DR ISIN: US0936881095

- Ratio: 1:1

- Depositary: Bank of New York

- Effective Date: Jan 20,1998

- Underlying ISIN: lb0099221105

- Underlying SEDOL: 5400597

- Country: Lebanon

- Industry: Banks

DR Program

2002BLOM Bank issued 750,000 unlisted preferred shares(Class 2002),Coupon:10%-15%

2004BLOM Bank issued 750,000 unlisted preferred shares(Class 2004),Coupon:8.5%

2005BLOM Bank issued 1,000,000 unlisted preferred shares(Class 2005) ,Coupon:8.5%-9.5%

2006 (August)BLOM Bank lists all preferred shares on the BSE

2008 (June)BLOM Bank redeemed all preferred shares class 2002, totaling 750,000 shares to reduce the total preferred shares to 1,750,000

2011 (June)BLOM Bank redeemed its Preferred shares Classes 2004 and 2005.

2011(July)BLOM Bank issued 20 million non-cumulative perpetual redeemable preferred shares (Class 2011), Coupon: 7%

Preferred Shares

20,000,000

11/12

215,000,000

Bank of NEWYORK* 34.37%

Banorabe S.A SPF** 15.22%

Actionnaires Unis 1.83%Azhari Family 7.53%

Chaker Family 8.12%

Jaroudi Family 2.71%

Saade Family 2.53%

Khoury Family 1.89%

Rest of Shareholders 25.80%

BLOM Bank

Shareholders

• Starting 1998, and after the issuance of Global Depository Receipts (GDR) by BLOM Bank Shareholders, the Bank of New York as Depository, became shareholder on the Bank’s register

** The major shareholders of Banorabe S.A. SPF (formerly Banorabe Holding S.A.) are the same as in BLOM Bank (except Bank of New York)

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BLOM BANK Shareholders 2016

Disclaimer

The information contained in this presentation has been prepared by BLOM Bank .It has not been fully verified and is subject to material updating, revision and further amendment.

No presentation ,express or implied, is made as to the fairness, accuracy, completeness or correctness of information contained in this presentation, including the accuracy,likelihood of achievement or reasonableness of any forecasts, prospects, synergies, returns, benefits or statements in relation to future matters contained in thepresentation(“Forward-looking statements”).Such forward-looking statements are by their nature subject to significant uncertainties and contingencies and are based on a number orestimates or assumptions that are subject to change(ad in many cases are outside the control of BLOM Bank and its directors) which may cause the actual results or performance ofBLOM Bank to be materially different from any future results or performance expressed or implied by such forward looking statements.

To the maximum extent permitted by law, BLOM disclaims any responsibility for the accuracy or completeness of any information contained in this presentation including anyforward-looking statements and disclaims any responsibility to update or revise any information or forward-looking statement to reflect any change in BLOM Bank’s financialcondition, status or affairs or any change in the events, conditions or circumstances on which a statement is based.

This presentation provides information in summary form only and is not intended to be complete. It is not intended to be relied upon as advice to investors or potential investors anddoes not take into account the investment objectives, financial situation or needs of any particular investor.

To the maximum extent permitted by law, neither BLOM Bank nor its related bodies corporate, Directors, employees or agents, nor any other person, accepts any liability, including,without limitation, any liability arising from fault or negligence, for any direct, indirect or consequential loss arising from the use of this presentation or its contents or otherwise arisingin connection with it.This presentation should be read in conjunction with other publicity available material. Further information including historical results and a description of the activities of BLOM Bankis available on our website, www.blom.com.lb