Investor Presentation HI 2019

1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix

BLOM Bank at a glance HI 2019

Most Awarded Local Bank by Prominent International Sources

Assets 38,531 36,741 32,544 29,518

Equity 3,269 3,269 3,005 2,932

Deposits 28,141 27,220 26,642 24,811

Loans 6,658 7,165 7,538 7,164

($M) HI 2019 2018 2017 2016

91

137

90

136

Net Income 238.71 511.62 485.27 462.83

63.49% 61.91%

Key Finance Highlights

Bank of NEWYORK*

34.37%

Banorabe S.A SPF** 18.63%

Actionnaires Unis 1.83%

Azhari Family 7.53%

Chaker Family 4.82%

Jaroudi Family 2.17%

Saade Family 2.55%

Khoury Family 1.80%

Rest of Shareholders

26.30%

BLOM Bank Shareholders

Loans/ deposit (%) 23.66 26.32 28.30 28.88

Cost / Income (%) 35.85 35.38 34.36 35.90

ROAA (%) 1.27 1.48 1.56 1.58

ROAE (%) 14.28 16.52 17.20 17.09

Gross NPL Ratio (%) *** 4.69 4.48 3.13 4.19

Overview of BLOM Bank

• BLOM is the most profitable bank in Lebanon with consolidated profits reaching $512M in 2018

• BLOM Bank is the 2nd largest bank in the country in terms of assets with a workforce of 4,948 employees

• Established in 1951 and headquartered in Lebanon, the Bank and its subsidiaries have 92 branches across Lebanon and 83 branches overseas.

• Universal Banking Services

– Traditional banking products and services

– Broad spectrum of corporate lending and Islamic finance

– Brokerage and custody services

• The bank’s shares are listed on the Beirut Stock Exchange (2008) and Luxembourg Stock Exchange (2006). Out of the total common shares, 34.37% are listed as Global Depository Receipts (GDRs) on the LuxSE and traded on the London Stock Exchange

1/ 17

Employees 4,948 5,078 5,085 4,673

• 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)*** Starting year 2018, NPLs include substandard, doubtful and bad debts.

BLOM Bank offers an International Banking Platform HI 2019

2/ 17

• The most profitable local bank with consolidated net profits of US$511.62M in 2018

• Strong Capitalization (CAR of 20.07% as of December 2018)

• Liquid Balance sheet

• Net Loans to Net Deposits ratio at 23.66% as of June 2019

Solid and Consistent

Financial Track Record

• Strong Management team with extensive experience and good reputation

• Professional Board of Directors with 7 independent members

• Reputable shareholders with Bank of New York acting as the Depository bank (for the bank’s GRDs) since 1998Experienced

Management

• Listed on Luxembourg Stock Exchange and Beirut Stock Exchange

• Internationally rated: Caa1 (Moody’s), B- (Standard & Poor’s) & B (Capital Intelligence)

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

• Most awarded Local Bank by Prominent International Sources: The Banker, Euromoney, Global Finance, Global Investor.

Internationally

and Locally

Renowned Bank

Resilient

Macro Environment

• Banking sector’s solid reputation being one of the country’s most valuable assets

• Diversified economy, rich in human capital – 94% literacy rate

• One of the oldest and most comprehensive legal/institutional frameworks among emerging market countries

3/ 17

Key Highlights HI 2019

Diversified Operations

• Universal Banking Services: Traditional banking products and services, broad spectrum of corporate lending and Islamic

finance, brokerage and custody services

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

Switzerland, Romania, Cyprus

• Approximately 38% of the Bank’s Net Loans and Advances to Customers are granted to customers outside Lebanon as of

June 2019

One of the Oldest and

Largest Local Banks

• Founded in 1951: one of the oldest local banks

• Largest deposit bank in Lebanon in terms of local deposits

• Top-tier bank in Lebanon with a large and loyal customer base

BLOM Bank Strategy HI 2019

• Diversify the Bank’s income by taking advantage of economic and business opportunities present in

regional economies

• Increase share of its overseas operations in terms of business volume and profits, currently

at 32.29% in terms of loans

• Currently present in the form of branches, subsidiaries or representative offices in the following countries: Egypt,

Jordan, UAE, KSA, Qatar, Iraq, Switzerland, UK, France, Romania, Cyprus

Overseas Market

• Ranks #1 in Lebanon, in terms of Income generated from Lebanon business, reaching US$419 million and US$441

million as of December 2017 and December 2018 respectively

• Prudently increase the number of branches through both organic growth and the acquisition of smaller banks

• Acquired the assets and liabilities of HSBC Lebanon in June 2017

Lebanese Market

• Focus on the bank’s digital outreach

• Increase online services by providing a technology-oriented and safe banking environment

• Currently offers a range of e-banking and other services, including internet banking, live video chat,

and BLOM e-cash

Digital Expansion

The Bank’s primary objectives are to maintain its lead position among Lebanese banks, while diversifying its business and expanding cautiously

Business Activities

• Diversify its business activities to become a universal banking model

• Expand the operations of BLOM’s investment banking arm by enhancing its private and investment banking and capital

market activities

• Highly liquid with a potential upside to further increase exposure to Corporates and SMEs

• Established an asset management company (BAMCO) in Lebanon in 2016

4/ 17

Corporate Governance HI 2019

BLOM Bank applies international Compliance and AML standards and strives to abide by international corporate governance practices.

Board of Directors

Audit Committee

RiskManagement

Committee

Consulting, Strategy and

Corporate Governance Committee

Nomination and Remuneration

Committee

Compliance Committee

7 Independent Board

members *6 Board Committees

27 Management Committees

5/ 17

Digital Committee

BLOM Bank SAL was the first bank in Lebanon to sign the Investors for Governance and Integrity (IGI) Declaration.

* The Board of Directors of BLOM Bank SAL includes 10 members: 7 independent members and 3 executive members

1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix

Earnings Breakdown by CountryEarnings Growth ($M)[Net Income $238.7M; (2.08)% YoY; 2010-2018 CAGR 5.6%]

Income Statement ($M)

330.6 331.5 335.9352.4 364.8

404.3

462.8 485.3511.6

238.7

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

($M) HI 2019 % Total %YoY 2018 2017 2016 2015

Earnings HI 2019

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Earnings Breakdown by Business Segments 2018

Banking 40.1%

Asset Management and Private Banking

1.7%

Treasury, Money and Capital

Markets 56.0%

Insurance 2.2%

$511.6M

Lebanon 195.57 81.93 (6.63) 440.51 418.82 360.39 298.33

Qatar 0.62 0.26 (28.74) 1.57 1.02 1.17 2.42

Egypt 27.47 11.51 57.69 37.20 29.95 53.23 43.34

Jordan 4.40 1.84 (24.91) 11.40 12.59 15.17 17.79

UAE 5.78 2.42 4.14 11.78 9.69 10.76 7.41

KSA 0.75 0.31 (28.57) 2.88 2.23 6.34 7.22

Iraq 0.54 0.23 1900 0.00 (1.18) 4.03 (9.27)

Europe 3.58 1.50 (0.83) 6.28 12.15 11.74 12.94

Net interest income 373.99 Net Fees and commission income 64.08Net gain (loss) on financial assets & liabilities designated at fair value through profit & loss 32.76Net gain (loss) on financial operations 0.78Other operating income 4.71 Total operating income 476.32 Net impairment losses on financial assets (8.81)Net operating income 467.51 Personnel charges (109.12)General and other operating expenses (58.60)Depreciation of tangible fixed assets (12.39)Amortization of intangible fixed assets (0.70)Total operating expenses (180.81)Net operating profit 286.70 Net profit (loss) from sale or disposal of other assets 0.10Net profit before taxes 286.80 Income tax (48.09)Net profit 238.71

Assets HI 2019

Asset Growth[$38.5Bn; 11.4% YoY; 2.0% QoQ; 2010-2018 CAGR 6.4%]

Breakdown of Assets by Country

($M) HI 2019 % Total % YoY 2018 2017 2016 2015

Breakdown of Assets by Uses Breakdown of Assets by Funding

($M) HI 2019 % Total % YoY 2018 2017 2016 2015

Deposits 28,141 73.03 3.86 27,220 21,642 24,811 25,091

Interbank 380 0.99 (14.80) 575 384 392 323

Equity 3,269 8.48 8.64 3,268 3,005 2,932 2,721

Central Bank 5,864 15.22 90.70 4,738 1,501 346 305

Others 877 2.28 (10.42) 940 1,012 1,037 659

22.34 23.1725.05 26.15

27.98 29.10 29.5232.54

36.7438.53

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Cash & Central Bank 65.9%

Interbank 4.4%

Government Securities 8.3%

Corporate Securities 1.8%

Loans & Advances to

customers 17.3%

Other Assets 2.3%

$38.5Bn

7/ 17

Lebanon 31.843 82.64 11.50 30,390 26,496 23,999 22,402

Qatar 79 0.21 (21.00) 88 105 94 89

Egypt 2,549 6.62 22.78 2,195 1,951 1,519 2,527

Jordan 1,007 2.61 (2.42) 1,003 1,047 1,082 1,106

UAE 972 2.52 2.97 1,027 981 829 729

KSA 96 0.25 - 97 93 105 109

Iraq 100 0.26 49.25 74 86 76 55

Europe 1,885 4.89 8.83 1,867 1,785 1,813 1,811

Equity HI 2019

Equity Growth[$3.27Bn; 8.6% YoY ; (3.5%) QoQ; 2010-2018 CAGR 7.13%]

Shareholder’s Equity by Country

($M) HI 2019 % Total % YoY 2018 2017 2016 2015

Capital Adequacy Ratios (%)

1.891.98

2.182.35

2.52

2.72

2.93 3.01

3.27 3.27

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

16.0717.52

17.72

19.12

17.5418.97

17.73

19.13

17.64

19.8518.14

20.07

2015 2016 2017 2018

Common Tier 1 CAR Tier 1 CAR Total CAR

Shareholders Equity Book Value Calculation

Shareholders’ Equity 3,269 3,269 3,005 2,932 2,721

($M) HI 2019 2018 2017 2016 2015

Less:

Minority Interest 52 53 51 49 71

Tier II 13 9 10 10 10

Shareholders Equity for 3,204 3,207 2,944 2,659 2,427Book Value Calculation

8/ 17

Lebanon 2,276 69.62 8.85 2,316 2,120 2,164 1,821

KSA 85 2.60 (1.16) 86 84 83 77

Egypt 236 7.23 29.67 203 164 116 241

Jordan 135 4.13 1.50 136 133 128 122

UAE 139 4.25 0.72 144 129 129 128

Iraq 55 1.68 12.24 54 49 29 5

Europe 301 9.21 4.15 289 285 243 241

Qatar 42 1.28 0.00 41 41 40 39

Bookvalue Per Share 14.96 14.97 13.73 12.43 12.05

Dividends on Preferred 0 0 0 14 14 Shares

Preferred Shares 0 0 0 200 200

Deposits HI 2019

Deposit Growth

19.61 20.3021.79 22.57

24.0125.09 24.81

26.64 27.2228.14

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

[$28.1Bn; 3.9 % YoY ; 1.2% QoQ; 2010-2018 CAGR 4.18%]

Total Deposits by Currency QI 2019

Deposits Breakdown by Country

($M) HI 2019 % Total % YoY 2018 2017 2016 2015

Deposits by Type of Client**

Corporate 16.0%

HNW 33.9%

Individuals 50.1%

$28.1Bn*

** Individuals < $1M ; HNW >$1M

* Excluding BLOM Euro CD’s of $308M

9/ 17

Lebanon 22,832 81.13 1.50 22,318 21,878 20,597 19,868

Qatar 14 0.05 (12.50) 10 20 7 6

Egypt 2,230 7.93 24.10 1,926 1,711 1,327 2,160

Jordan 812 2.89 2.92 802 841 875 921

UAE 719 2.55 3.30 777 744 637 554

Iraq 54 0.19 28.57 49 32 39 33

Europe 1,480 5.26 17.27 1,338 1,416 1,329 1,295

LBP 21.5%

USD 59.7%

EURO 6.1%

GBP 1.1%

EGP 5.7% Others 5.9%

$27.8Bn

1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix

Overview of BLOM Bank’s Business Segments HI 2019

BLOM Bank offers a full array of Universal Banking Services

Commercial Banking

Corporate Banking

Retail Banking

Islamic Banking

Investment Banking

Private Banking

Brokerage

Asset Management

Insurance

Lebanon, Egypt, UAE, Jordan, Iraq, Qatar, Europe

Lebanon, Egypt, UAE, Jordan, Iraq, Qatar, Europe

Lebanon, Egypt, Jordan

Lebanon

Lebanon, KSA

Lebanon, Switzerland

Lebanon, Egypt, Jordan

Lebanon, Egypt, KSA

Lebanon, Egypt

10/ 17

Sovereign Exposure[$28.4B]

Central Bank 25.2 23.0 17.5 13.6 11.5

Government Securities 3.2 3.1 3.3 4.3 5.2

($B) HI 2019 2018 2017 2016 2015

Corporate Securities[Bonds 67.8% ; Equities 21.3% ; Funds 10.9%]

BDL 23.3 21.2 16.3 12.5 10.3

in LBP 10.2 9.0 6.2 5.6 4.6

in FC 13.1 12.2 10.1 6.9 5.7

Other 1.9 1.8 1.2 1.1 1.2

Domestic Exposure 2.8 2.7 2.9 2.9 3.6

FC Exposure 0.4 0.4 0.4 1.4 1.7

Assets Utilization HI 2019

Regional 42.9%

International 57.1% $695 M

11/ 17

Commercial Loans *

Corporate Loans 1,567 1,703 1,807 1,690 1,632

($M) HI 2019 2018 2017 2016 2015

SME Loans 1,342 1,510 1,504 1,411 1,409

Real Estate 735 764 793 910 1,018

Others 147 140 200 178 200

Total 3,791 4,117 4,304 4,189 4,259

Retail Loans

Housing 1,832 1,706 31 95

($M) HI 2019 Lebanon Egypt Jordan

Car 488 244 64 180

Personal 351 210 69 72

Cards 166 141 3 22

Total 2,837 2,301 167 369

* Excluding related parties loans & insurance receivables

Loans HI 2019

5,1785,591

6,0286,345

6,910 7,196 7,1647,538

7,165

6,658

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Net Lending Growth ($M)[$6.66Bn; (10.46%) YoY; (3.59%) QoQ; Loan to Deposit 23.66%]

Breakdown of Lending by Country

($M) HI 2019 % Total % YoY 2018 2017 2016 2015

12/ 17

Breakdown of Lending by Currency QI 2019

LBP 22.6%

USD 50.5%

EURO 3.0%

GBP 1.1%

JOD 6.6%

EGP 8.2%

Others 8.0%

$6.91Bn

Lebanon 4,508 67.71 (13.66) 4,891 5,432 5,277 5,165

Qatar 67 1.01 (20.24) 77 96 92 86

Egypt 744 11.17 2.06 720 645 470 721

Jordan 502 7.54 (8.39) 529 523 512 507

UAE 435 6.53 (6.85) 508 434 359 294

Iraq 9 0.14 28.57 8 8 10 12

Europe 393 5.90 3.42 432 400 444 411

2.3% 2.3% 2.2%2.1% 2.1%

2.2%2.3% 2.4% 2.4%

1.9%

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Net Interest Margin[Net Interest Income $373.99M; (5.3%) YoY; 2010-2018 CAGR 5.9%]

Retail Lending HI 2019

13/ 17

Credit Cards 5.85%

Car Loans 17.20%

Housing Loans 64.58%

Personal Loans 12.37%

$2.84Bn

Retail Loans Distribution by Product

Breakdown of Retail Lending by Country

($M) HI 2019 % Total % YoY 2018 2017 2016 2015

Lebanon 2,301 81.11 (11.36) 2,472 2,670 2,398 2,309

Egypt 167 5.88 9.15 151 134 113 205

Jordan 369 13.01 (8.21) 388 397 393 390

LBP 48.3%FC 51.7%

$2.84Bn

Retail Loans Distribution by Currency

Total 2,837 100 (9.97) 3,011 3,201 2,904 2,904

1,558

1,840

2,099

2,414

2,690

2,904 2,904

3,2013,011

2,837

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Retail Lending Growth ($M)[(9.97%) YoY]

Asset Quality/ Provisioning HI 2019

Balance sheet Provisions ($M)

* Starting year 2018, NPLs include substandard, doubtful and bad debts** Allowances for ECL – Stage 3 and Real Guarantees

14/ 17

Net Impairment Losses on Loans [(19.33%) YoY] ; NPLs * Coverage Ratios (%)

(%) HI 2019 Coverage 2018 2017 2016 2015

Asset Quality ; Coverage Ratio **

16.51

39.26

105.06

69.80

41.27

16.8

82.10

12.67 13.415.05

2.69%

3.20%

5.44%

4.89%

4.44% 4.40%

4.19%

3.13%

4.48%4.69%

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Net Impairment Losses on Loans ($M) Gross Non-Performing/Gross Loans

142.00

121.00 125.25134.53 130.59

140.10128.42 134.90

155.47

68.5461.62

74.7063.66 64.81

89.9483.91 76.91

71.13

2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Coverage Ratio ** Coverage Ratio (Allowances for ECL - Stage 3)

Lebanon 4.70 168.67 4.89 2.94 4.28 4.13

Qatar 14.14 105.60 6.94 5.62 5.79 6.16

Egypt 1.97 178.18 1.83 0.54 0.62 1.44

Jordan 8.07 129.02 5.41 3.98 4.21 3.33

UAE 0.003 11.22 0.09 1.69 1.78 10.33

Iraq - - - - 15.47 0.00

Europe 8.52 106.17 7.57 9.38 7.92 8.27

127

211245

204 214

283

206258

233

69

68

103

84 83

61

68

61 89

2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Allowances for ECL - Stage 3 Allowances for ECL - Stage 1 & 2

Business Segments HI 2019

15/ 17

37.20 39.08 37.9345.32 43.66 41.49 42.28 40.99 39.39

8.56

79.6468.99

45.39

63.74 7068.34

75.11 80.4270.75

12.50

2010 2011 2012 2013 2014 2015 2016 2017 2018 QI 2019

Life Non-Life

Insurance Business - Premium ($M)[(20.38%) YoY]

17.60 33.90 27.50 15.40

15.99 34.88

52.99 37.19

13.53 14.42

180

515408 375

661 629972 762 678 801

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

BLOMINVEST Share (%) BSE Total Turnover ($M)

Beirut Stock Exchange Brokerage Share ($M)

AUMs ($M)[(1.86%) YoY]

5,9765,567

5,2055,610

7,1566,719

7,122

7,841 7,9357,690

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Asset Management Business ($M)[(45.74%) YoY]

450.65491.88

562.93 567.35610.65 594.29

546.96

262.16222.67

2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix

BLOM BANK Shares HI 2019

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.

2017 (June)BLOM Bank increased its capital by $42.786M through the incorporation of an additional amount from the reserves account, resulting in a nominal value of LBP 1,500 per common share.

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%

2017(June)BLOM Bank redeemed its 20 million preferred shares class 2011

Preferred Shares

215,000,000

16/ 17

BLOM BANK Share Performance HI 2019

Earnings Per Common Share ($) *

1.46 1.48 1.53 1.58 1.60

1.86

2.20 2.252.37

2.22

2010 2011 2012 2013 2014 2015 2016 2017 2018 HI 2019

Institution Recommendation Target Price ($) Date

Analyst Coverage

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

44.92

49.1650.14

47.55

0.45 0.45 0.45 0.50

0.66

0.83

1.00

1.13 1.13

2010 2011 2012 2013 2014 2015 2016 2017 2018

Dividend Payout Ratio Dividend Per Share

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

2017 60,843,963 126,870,950 187,714,913 782,145

* Annualized

2018 87,428,292 31,068,420 118,496,712 493,736

17/ 17

FFA Private Bank Overweight 13.00 Feb 2018

Arqaam Capital Buy 14.40 Jun 2019

HSBC Hold 13.10 Apr 2018

EFG-Hermes Buy 14.70 Jun 2019

Hi 2019 11,201,322 4,437,481 15,638,803 130,323

1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix

• 1951 First established

• 1974 Established AROPE INSURANCE with a leading French re-insurance company, LASCOR.

• 1976 Banorabe Bank was founded in Paris by BLOM BANK and other Swiss & Arab shareholders.

• 1994 Established an investment banking subsidiary (Banque d’Affaires du Liban et d’Outre-Mer)

• 1996 Acquired Banque Banorabe, which in turn owns 100% BLOM Bank Switzerland (in 1992)

1950–2000

• 2004 Established the private bank, BANK OF SYRIA AND OVERSEAS in Syria. BLOM BANK was the largest shareholder

with a 39% share whereas IFC’S share is 10%. The remaining capital is subscribed by Syrian individuals

• 2004 Opened branches in Jordan

• 2005 BLOM BANK’s share of AROPE INSURANCE increased to 88.49%

• 2005 Acquired 96.78% of MISR ROMANIAN BANK. The Bank was renamed BLOM BANK EGYPT and BLOM BANK

currently owns approximately 99% of it

• 2006 Issued 3 millions Global Depositary receipts” GDR” for a total amount of US$ 276 million and was listed on the

Luxembourg Stock Exchange

• 2006 Established an Islamic Bank, BLOM Development Bank

2001–2006

2007–2017

• 2009 Established BLOM Bank Qatar

• 2010 Established BLOMINVEST SAUDI ARABIA, in Riyadh.

• 2011 Launched its new eCash service

• 2013 Established Beirut Traders Shopping card

• 2014 Signed the Investors for Governance & Integrity declaration

• 2016 Signed an agreement to acquire the assets and liabilities of HSBC Bank Middle East Limited – Lebanon.

• 2016 Wrote-off its Syrian investments and deconsolidated its operations in Syria.

• 2016 Established BLOM Asset Management Company S.A.L

• 2017 Established BLOM Egypt Investment Company S.A.E

• 2017 Acquired assets and liabilities of HSBC Bank Middle East Limited – Lebanon

I

BLOM Bank’s History HI 2019

Peer Group Analysis HI 2019

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

Volatility of Return

[Average Quarterly Return 2005 – HI 2019 ] [Quarterly Standard Deviation/Mean ]

II

238.7

250.4

59.9

35.85%

43.74%59.79%

Blom Audi Byblos

Net Profits Cost to Income Ratio

1.27%1.06%

0.47%

14.28% 14.30%

5.69%

Blom Audi Byblos

ROAA ROAE

0.49 0.49

3.33 3.26

Blom Audi

Price to Net Book Price to Earnings yield

Financial Ratios 30.72%

30.00%

84.21 83.50

36.1233.7442.29

33.26

Blom Audi Byblos

Mean Coefficient of Variation

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