Investor Presentation QIII 2020 1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix BLOM Bank at a glance QIII 2020 Overview of BLOM Bank BLOM Bank Shareholders

• BLOM is the most profitable bank in Lebanon with consolidated profits reaching Rest of $115M in 2019 Shareholders 26.20% • BLOM Bank is the 2nd largest bank in the country in terms of assets with a Bank of workforce of 4,708 employees NEWYORK* • Established in 1951 and headquartered in Lebanon, the Bank and its subsidiaries 34.37% have 92 branches across Lebanon and 85 branches overseas. Khoury Family 1.80% • Universal Banking Services – Traditional banking products and services Saade Family – Broad spectrum of corporate lending and Islamic finance 2.55% Jaroudi Family – Brokerage and custody services 2.17% Chaker Family • The bank’s shares are listed on the Beirut Stock Exchange (2008) and 4.82% Luxembourg Stock Exchange (2006). Out of the total common shares, 34.37% are Banorabe S.A listed as Global Depository Receipts (GDRs) on the LuxSE and traded on the Azhari Family SPF** 18.73% London Stock Exchange 7.53% Actionnaires Unis 1.83%

Most Awarded Local Bank by Prominent International Sources Key Finance Highlights

The Banker ($M) QIII 2020 2019 2018 2017

Bank of the Year - Lebanon 2020 Assets 30,498 33,296 36,741 32,544

Equity 3,223 3,156 3,269 3,005 Global Finance Deposits 23,997 26,462 27,220 26,642 Best Bank in Lebanon for 2020 Loans 4,170 5,814 7,165 7,538 Best Trade Finance Provider in Lebanon for 2020 Net Income 57.16 115.41 511.62 485.27 The European Loans/ deposit (%) 17.38 21.97 26.32 28.30 Bank of the Year 2020 – Lebanon Cost / Income (%) 73.8863.49% 56.12 35.3861.91 % 34.36 Bank of the Year 2020 – MENA ROAA (%) 0.24 0.33 1.48 1.56 Strongest Performing Bank – Lebanon ROAE (%) 2.36 3.4891 16.52 90 17.20 The Asian Banker Gross NPL Ratio (%) 17.02 7.08 4.48 136 3.13 Best Retail Bank in Lebanon for 2020 Employees 4,708 4,853137 5,078 5,085

• 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 1/ 16 ** 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) BLOM Bank offers an International Banking Platform QIII 2020

2/ 16 Key Highlights QIII 2020

• The most profitable local bank with consolidated net profits of US$115.41M in 2019 • Solid and Consistent Strong Capitalization (CAR of 12.20% as of September 2020) • Financial Track Record Net Loans to Net Deposits ratio at 17.38% as of September 2020

• Strong Management team with extensive experience and good reputation • Experienced Professional Board of Directors with 3 Executive directors and 6 independent members • Management Reputable shareholders with Bank of New York acting as the Depository bank (for the bank’s GRDs) since 1998

• Listed on Luxembourg Stock Exchange and Beirut Stock Exchange Internationally • Most awarded Local Bank by Prominent International Sources: The Banker, Euromoney, Global Finance, Global Investor. and Locally Renowned Bank

• Universal Banking Services: Traditional banking products and services, broad spectrum of corporate lending and Islamic finance, brokerage and custody services • Diversified Operations Geographic presence throughout MENA & Europe: Lebanon, Jordan, Egypt, UAE, KSA, Qatar, Iraq, UK, France, Switzerland, Romania, Cyprus • Approximately 52% of the Bank’s Net Loans and Advances to Customers are granted to customers outside Lebanon as of September 2020

• Founded in 1951: one of the oldest local banks One of the Oldest and • Top-tier bank in Lebanon with a large and loyal customer base Largest Local Banks

3/ 16 Corporate Governance QIII 2020

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

6 Independent Board 6 Board Committees Audit members * Committee

Compliance Risk Committee Management Committee

Board of Directors Consulting, Digital Strategy and Committee Corporate Governance Committee Nomination and Remuneration Committee

28 Management Committees

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 9 members: 6 independent members and 3 executive members 4/ 16 1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix Earnings QIII 2020

Earnings Growth ($M) Earnings Breakdown by Country [Net Income $57.16M] ($M) QIII 2020 % Total 2019 2018 2017 2016

511.6 Lebanon 10.65 18.63 21.75 440.51 418.82 360.39 462.8 485.3 Egypt 34.72 60.74 49.10 37.20 29.95 53.23 404.3 352.4 364.8 330.6 331.5 335.9 Jordan 3.40 5.95 10.10 11.40 12.59 15.17

UAE 4.84 8.47 11.89 11.78 9.69 10.76

KSA 1.31 2.29 7.59 2.88 2.23 6.34 115.4 Qatar 1.65 2.89 2.14 1.57 1.02 1.17 57.16 Iraq 1.47 2.57 1.09 0.00 (1.18) 4.03

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII Europe (0.88) (1.54) 11.75 6.28 12.15 11.74 2020

Income Statement ($M) Net Operating Income Breakdown by Business Segments HI 2020 Net interest income 895.63 Net Fees and commission income 74.47 107.30% Net gain (loss) on financial assets & liabilities designated at fair value through profit & loss (36.52) Net gain (loss) on financial operations (46.18) Other operating income 5.06 Total operating income 892.46 Net impairment losses on financial assets (487.68) Net operating income 404.78 Personnel charges (135.96) General and Other operating expenses (79.45) Depreciation of Property, equipment and right-of-use-assets (18.90) Amortization of intangible fixed assets (1.06) Total operating expenses (235.37) 1.90% 1.80% Net Operating profit 169.41 Net Profit (loss) from sale or disposal of other assets 0.39 Net profit before taxes 169.80 Insurance Treasury, Money -11.00% Asset Mnagement Income tax expense (112.64) and Capital Markets Banking and Private Banking Net profit 57.16

5/ 16 Assets QIII 2020

Asset Growth Breakdown of Assets by Country [$30.5Bn ; (2.92%) QoQ] ($M) QIII 2020 % Total 2019 2018 2017 2016

36.74 Lebanon 23,895 78.35 26,731 30,390 26,496 23,999

32.54 33.30 30.50 Egypt 2,892 9.48 2,769 2,195 1,951 1,519 29.10 29.52 27.98 26.15 25.05 Jordan 854 2.80 937 1,003 1,047 1,082 22.34 23.17 UAE 921 3.02 989 1,027 981 829

KSA 97 0.32 99 97 93 105

Qatar 68 0.22 63 88 105 94

Iraq 67 0.22 106 74 86 76

Europe 1,704 5.59 1,602 1,867 1,785 1,813 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

Breakdown of Assets by Uses Breakdown of Assets by Funding

Other Assets Loans & ($M) QIII 2020 % Total 2019 2018 2017 2016 Advances to 2.5% customers 13.7% Deposits 23,997 78,68 26,462 27,220 21,642 24,811

Corporate Securities 1.1% Central Bank 2,009 6.59 2,586 4,738 1,501 346 Cash & Central Government Bank 67.4% Interbank 224 0.73 345 575 384 392 Securities 10.8% $30.5Bn

Interbank 4.5% Others 1,045 3.43 747 940 1,012 1,037

Equity 3,223 10.57 3,156 3,268 3,005 2,932

6/ 16 Equity QIII 2020

Equity Growth Shareholder’s Equity by Country [$3.22Bn ; 1.05% QoQ] ($M) QIII 2020 % Total 2019 2018 2017 2016 3.27 3.22 3.15 Lebanon 2,225 69.04 2,099 2,316 2,120 2,164 2.93 3.01 2.72 Egypt 306 9.49 270 203 164 116 2.52 2.35 2.18 Jordan 140 4.34 142 136 133 128 1.98 1.89 UAE 155 4.81 150 144 129 129

KSA 88 2.73 91 86 84 83

Qatar 45 1.40 43 41 41 40

Iraq 57 1.77 56 54 49 29

Europe 207 6.42 305 289 285 243 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

Shareholders Equity Book Value Calculation Capital Adequacy Ratios (%)

($M) QIII 2020 2019 2018 2017 2016

19.85 19.13 20.07 Shareholders’ Equity 3,223 3,156 3,269 3,005 2,932 18.97 19.12 18.14 17.52 17.52 17.73 Less:

Preferred Shares 0 0 0 0 200 12.20 11.22 11.05 Minority Interest 57 56 53 51 49 9.88 11.22 9.88 Tier II 14 16 9 10 10

Dividends on Preferred 0 0 0 0 14 Shares

Shareholders Equity for 3,152 3,084 3,207 2,944 2,659 Book Value Calculation 2016 2017 2018 2019 QIII 2020

Bookvalue Per Share 14.68 14.39 14.97 13.73 12.43 Common Tier 1 CAR Tier 1 CAR Total CAR

7/ 16 Deposits QIII 2020

Deposit Growth Deposits Breakdown by Country [$24.00Bn ; (0.65%) QoQ]

($M) QIII 2020 % Total 2019 2018 2017 2016

Lebanon 18,624 77.61 21,097 22,318 21,878 20,597 26.64 27.22 26.46 25.09 24.81 24.01 24.00 Egypt 2,486 10.36 2,410 1,926 1,711 1,327 21.79 22.57 19.61 20.30 Jordan 579 2.41 703 802 841 875

UAE 693 2.89 752 777 744 637

Qatar 13 0.05 23 10 20 7

Iraq 6 0.03 53 49 32 39

Europe 1,596 6.65 1,424 1,338 1,416 1,329 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

Deposits by Type of Client** Total Deposits by Currency

EGP 8.5% Others 4.3% Corporate 20.5% LBP 12.2% GBP 1.1%

EURO 6.2% Individuals 54.4%

$23.69Bn * $23.99Bn

HNW 25.1%

* Excluding BLOM Euro CD’s of $308.7M ** Individuals < $1M ; HNW >$1M USD 67.7%

8/ 16 1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix Overview of BLOM Bank’s Business Segments QIII 2020

BLOM Bank offers a full array of Universal Banking Services

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

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

Retail Banking Lebanon, Egypt, Jordan

Islamic Banking Lebanon

Investment Banking Lebanon, KSA

Private Banking Lebanon, Switzerland

Brokerage Lebanon, Egypt, Jordan

Asset Management Lebanon, Egypt, KSA

Insurance Lebanon, Egypt

9/ 16 Assets Utilization QIII 2020

Sovereign Exposure Corporate Securities [$23.7Bn] [Bonds 45.6% ; Equities 29.5% ; Funds 24.9%]

($B) QIII 2020 2019 2018 2017 2016

Central Bank 20.4 21.8 23.0 17.5 13.6 International 27.5% BDL 18.8 19.9 21.2 16.3 12.5 in LBP 4.2 5.3 9.0 6.2 5.6

in FC 14.6 14.6 12.2 10.1 6.9 $334 M Regional 72.5% Other 1.6 1.9 1.8 1.2 1.1

Government Securities 3.3 3.1 3.1 3.3 4.3 Domestic Exposure 3.1 2.7 2.7 2.9 2.9

FC Exposure 0.2 0.4 0.4 0.4 1.4

Commercial Loans * Retail Loans

($M) QIII 2020 2019 2018 2017 2016 ($M) QIII 2020 Lebanon Egypt Jordan

Corporate Loans 885 1,263 1,703 1,807 1,690 Housing 1,423 1,300 35 88

SME Loans 833 1,137 1,510 1,504 1,411 Car 308 83 76 149

Real Estate 265 630 764 793 910 Personal 254 116 77 61

Others 108 138 140 200 178 Cards 74 55 4 15

Total 2,091 3,168 4,117 4,304 4,189 Total 2,059 1,554 192 313

* Excluding related parties loans & insurance receivables

10/ 16 Loans QIII 2020

Net Lending Growth ($M) Breakdown of Lending by Country [$4.17Bn ; (8.35%) QoQ]

($M) QIII 2020 % Total 2019 2018 2017 2016 7,538 7,164 7,165 6,910 7,196 Lebanon 2,232 53.53 3,664 4,891 5,432 5,277 6,345 6,028 Egypt 830 19.89 819 720 645 470 5,814 5,591 5,178 Jordan 429 10.29 477 529 523 512 4,170 UAE 327 7.84 496 508 434 359

Qatar 62 1.49 57 77 96 92

Iraq 7 0.17 10 8 8 10

Europe 283 6.79 291 432 400 444

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

Net Interest Margin Breakdown of Lending by Currency [Net Interest Income $341.88M]

3.5% Others 9.0%

LBP 26.3% 2.4% 2.4% EGP 16.9% 2.3% 2.3% 2.3% 2.2% 2.2% 2.1% 2.1% 1.9% $4.2Bn JOD 9.6%

GBP 1.6%

EURO 4.1%

USD 32.5% 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

11/ 16 Retail Lending QIII 2020

Retail Lending Growth ($M) Breakdown of Retail Lending by Country [$2.1Bn ; (7.29%) QoQ]

3,201 ($M) QIII 2020 % Total 2019 2018 2017 2016 3,011 2,904 2,904 2,690 2,617 Lebanon 1,555 75.52 2,092 2,472 2,670 2,398 2,414

2,099 2,059 Egypt 191 9.28 178 151 134 113 1,840 1,558 Jordan 313 15.20 347 388 397 393

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

Retail Loans Distribution by Product Retail Loans Distribution by Currency

Personal Loans Credit Cards 12.34% 3.59%

Car Loans 14.96%

LBP 53.01% $2.1Bn FC 46.99% $2.1Bn

Housing Loans 69.11%

12/ 16 Asset Quality/ Provisioning QIII 2020

Net Impairment Losses on Loans; NPLs * Coverage Ratios (%)

17.02% 168.39 89.94 83.91 138.95 74.70 76.91 64.81 68.54 63.66 64.51 105.06 61.62 58.75

82.10 7.08% 69.80 4.44% 5.44% 4.89% 39.26 41.27 4.40% 4.19% 4.48% 2.69% 3.20% 3.13% 16.51 16.8 12.67 13.41

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020 2020 Net Impairment Losses on Loans ($M) Gross Non-Performing/Gross Loans Coverage Ratio (Allowances for ECL - Stage 3)

Asset Quality Balance sheet Provisions ($M)

(%) QIII 2020 2019 2018 2017 2016

138 Lebanon 25.69 8.57 4.89 2.94 4.28

Egypt 2.57 2.37 1.83 0.54 0.62

Jordan 12.17 8.40 5.41 3.98 4.21 61 183 75 61 83 UAE 3.76 0.11 0.09 1.69 1.78 68 84 68 479

Qatar 7.79 10.41 6.94 5.62 5.79 69 283 287 245 258 211 204 214 206 Iraq - - - - 15.47 127

Europe 2.48 9.23 7.57 9.38 7.92 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020

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

* Starting year 2018, NPLs include substandard, doubtful and bad debts 13/ 16 Business Segments QIII 2020

AUMs ($M) Insurance Business - Premium ($M) [$5.1Bn ]

7,841 7,935 7,156 7,122 6,719 6,616 5,976 5,567 5,610 5,205 80.42 5,149 79.64 63.74 70 75.11 68.99 68.34 70.75

45.39 12.50

38.43

45.32 43.66 42.28 37.20 39.08 37.93 41.49 40.99 39.39 35.98 22.74

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII Life Non-Life 2020

Beirut Stock Exchange Brokerage Share ($M) Asset Management Business ($M)

972 762 678 901 661 629 610.65 594.29 515 567.35 408 375 562.93 546.96 180 190 491.88 450.65

262.16

17.60 33.90 27.50 15.40 52.99 34.88 37.19 133.10 21.27 15.99 13.53 99.62 5.90

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020 BLOMINVEST Share (%) BSE Total Turnover ($M) 2020

14/ 16 1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix BLOM BANK Shares QIII 2020

Common Shares GDR DR Program Preferred Shares

215,000,000 73,896,010 1998 (34.37% of Total Common) BLOM Bank had 18,500,000 2002 Common shares in two categories: BLOM Bank issued 750,000 unlisted -Category A:6,168,000 1998 preferred shares(Class -Category B:12,332,000 BLOM Bank issued DR Ticker: BLBD 2002),Coupon:10%-15% 4,389,601 Global Depositary 2004 Of which 4,389,601(23.72%) were Receipts - CUSIP:093688109 listed as GDR at $ 33 each. worth $144.9m.The issue was a BLOM Bank issued 750,000 unlisted secondary issue(No increase in preferred shares(Class 2001 (July) - DR ISIN: US0936881095 2004),Coupon:8.5% BLOM Bank consolidated the two Capital) at $ 33 each. categories into one. 2006 (February) 2005 - Ratio: 1:1 BLOM Bank issued 1,000,000 unlisted 2006 (February) BLOM Bank increased its capital by $276m through the issuance of preferred shares(Class 2005) BLOM Bank increased its capital - Depositary: Bank of New York ,Coupon:8.5%-9.5% by $276m through the issuance of 3,000,000 new Global depository 3,000,000 new Global Depository Shares at $92 per share. The GDS 2006 (August) Shares at $92 per share. The GDS were listed on the Luxembourg and - Effective Date: Jan 20,1998 BLOM Bank lists all preferred shares were listed on the Luxembourg Beirut Stock Exchanges. on the BSE and Beirut Stock Exchanges. The total number of GDR’s was - Underlying ISIN: lb0099221105 increased to 7,389,601(34.37%) 2008 (June) 2006 (August) BLOM Bank redeemed all preferred - Underlying SEDOL: 5400597 BLOM Bank listed 7,166,667 2010 (October) shares class 2002, totaling 750,000 common(one third of all common BLOM Bank executed a share split shares to reduce the total preferred shares) on the BSE. of 1/10 for a total of 73,896,010 - Country: Lebanon shares to 1,750,000 GDRs. 2008 (June ) 2011 (June) - Industry: Banks BLOM Bank listed all its shares on BLOM Bank redeemed its Preferred the Beirut Stock Exchange (BSE). shares Classes 2004 and 2005.

2010 (October) 2011(July) BLOM Bank executed a share split BLOM Bank issued 20 million non- of 1/10 for a total of 215M shares. cumulative perpetual redeemable preferred shares (Class 2011), 2017 (June) Coupon: 7% BLOM Bank increased its capital by $42.786M through the 2017(June) incorporation of an additional BLOM Bank redeemed its 20 million amount from the reserves account, preferred shares class 2011 resulting in a nominal value of LBP 1,500 per common share.

15/ 16 BLOM BANK Share Performance QIII 2020

Earnings Per Common Share ($) * Dividends per Common Share($) 2.37 2.20 2.25 1.13 1.13

1.86 1.00

1.60 1.53 1.58 0.83 1.46 1.48 0.66

0.50 0.45 0.45 0.45

0.51 0.34

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 QIII 2020 2010 2011 2012 2013 2014 2015 2016 2017 2018 * Annualized

Dividends Pay-Out(%) BLOM GDR Trading on Beirut & London Stock Exchanges ($) IOB BSE Total Daily Average

50.14 2012 132,425,915 31,296,393 163,722,308 682,176 49.16 47.55 44.92 2013 35,012,956 13,481,017 48,493,973 202,058 41.9 2014 90,556,591 20,714,978 111,271,569 463,631

2015 78,783.936 20,348,525 99,132,461 550,736 31.5 32.2 30.99 30.15 2016 90,786,621 91,096,800 181,883,421 757,848

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

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

2019 28,182,489 7,966,885 36,149,374 150,622

QIII 2020 3,452,512 1,573,213 5,025,625 27,920 2010 2011 2012 2013 2014 2015 2016 2017 2018

16/ 16 1. Introduction

2. Financial Overview

3. Business Overview

4. BLOM’s Shares

5. Appendix BLOM Bank’s History QIII 2020

• 1951 First established • 1974 Established AROPE INSURANCE with a leading French re-insurance company, LASCOR. • 1950–2000 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)

• 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% 2001–2006 • 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

• 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 2007–2017 • 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 Peer Group Analysis QIII 2020

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

57.16 2.36%

75.93% 0.24% 0%

73.88 70.97% Blom Audi Byblos

(0.06)% 0 (2.30)% (8.99) Blom Audi Byblos (2.85)%

Net Profits Cost to Income Ratio ROAA ROAE

Financial Ratios Volatility of Return* 11.33%

8.82 114.95

80.52 70.67 67.32

37.81 31.18

0.17 0.20 0

Blom Audi Blom Audi Byblos 0% Mean Coefficient of Variation Price to Net Book Price to Earnings yield [Average Quarterly Return 2005 – QIII 2020] [Quarterly Standard Deviation/Mean ]

* Due to the postponement of financial results in QIII /QIV , the figures were averaged.

II 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 the presentation(“Forward-looking statements”).Such forward-looking statements are by their nature subject to significant uncertainties and contingencies and are based on a number or estimates 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 of BLOM 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 any forward-looking statements and disclaims any responsibility to update or revise any information or forward-looking statement to reflect any change in BLOM Bank’s financial condition, 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 and does 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 arising in 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 Bank is available on our website, www.blom.com.lb