Investor Presentation HI 2020 1. Introduction
2. Financial Overview
3. Business Overview
4. BLOM’s Shares
5. Appendix BLOM Bank at a glance HI 2020 Overview of BLOM Bank BLOM Bank Shareholders
• BLOM is the most profitable bank in Lebanon with consolidated profits Rest of reaching $115M in 2019 Shareholders 26.20% • nd BLOM Bank is the 2 largest bank in the country in terms of assets with a Bank of workforce of 4,769 employees NEWYORK* 34.37% • Established in 1951 and headquartered in Lebanon, the Bank and its subsidiaries have 92 branches across Lebanon and 85 branches overseas. Khoury Family 1.80% • Universal Banking Services
– Traditional banking products and services Saade Family 2.55% – Broad spectrum of corporate lending and Islamic finance Jaroudi Family 2.17% – Brokerage and custody services Chaker Family 4.82% • The bank’s shares are listed on the Beirut Stock Exchange (2008) and Banorabe S.A Luxembourg Stock Exchange (2006). Out of the total common shares, 34.37% Azhari Family SPF** 18.73% are listed as Global Depository Receipts (GDRs) on the LuxSE and traded on 7.53% Actionnaires the London Stock Exchange Unis 1.83%
Most Awarded Local Bank by Prominent International Sources Key Finance Highlights ($M) HI 2020 2019 2018 2017 Assets 31,414 33,296 36,741 32,544
Equity 3,189 3,156 3,269 3,005
Deposits 24,154 26,462 27,220 26,642
Loans 4,550 5,814 7,165 7,538
Net Income 38.81 115.41 511.62 485.27
Loans/ deposit (%) 18.84 21.97 26.32 28.30
Cost / Income (%) 72.8163.49% 56.12 35.3861.91 % 34.36
ROAA (%) 0.24 0.33 1.48 1.56
ROAE (%) 2.44 3.4891 16.52 90 17.20 Gross NPL Ratio (%) 15.35 7.08 4.48 136 3.13 Employees 4,769 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 HI 2020
2/ 16 Key Highlights HI 2020
• The most profitable local bank with consolidated net profits of US$115.41M in 2019 • Solid and Consistent Strong Capitalization (CAR of 11.22% as of June 2020) • Financial Track Record Net Loans to Net Deposits ratio at 18.84% as of June 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 49% of the Bank’s Net Loans and Advances to Customers are granted to customers outside Lebanon as of June 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 HI 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 HI 2020
Earnings Growth ($M) Earnings Breakdown by Country [Net Income $38.81M; (83.74%) YoY] ($M) HI 2020 % Total %YoY 2019 2018 2017 2016
511.6 Lebanon 7.80 20.10 (96.01) 21.75 440.51 418.82 360.39 462.8 485.3 Egypt 23.01 59.28 (16.24) 49.10 37.20 29.95 53.23 404.3 352.4 364.8 330.6 331.5 335.9 Jordan 3.04 7.83 (30.91) 10.10 11.40 12.59 15.17
UAE 3.83 9.87 (33.74) 11.89 11.78 9.69 10.76
KSA (0.39) (1.00) (152.00) 7.59 2.88 2.23 6.34 115.4 Qatar 1.11 2.86 79.03 2.14 1.57 1.02 1.17 38.81 Iraq 1.09 2.81 101.85 1.09 0.00 (1.18) 4.03
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI Europe (0.68) (1.75) (118.99) 11.75 6.28 12.15 11.74 2020
Income Statement ($M) Net Operating Income Breakdown by Business Segments 2019 Net interest income 553.28 Net Fees and commission income 52.51 Net gain (loss) on financial assets & liabilities designated at fair value through profit & loss (43.71) Insurance 4.2% Net gain (loss) on financial operations (39.13) Other operating income 3.40 Total operating income 526.35 Banking 34.6% Net impairment losses on financial assets (280.79) Net operating income 245.56 Personnel charges (91.94) Treasury, Money $563.81M General and other operating expenses (53.40) and Capital Depreciation of tangible fixed assets (12.62) Markets 59.1% Amortization of intangible fixed assets (0.70) Asset Total operating expenses (158.66) Management and Net operating profit 86.90 Private Banking Net profit (loss) from sale or disposal of other assets 0.26 2.1% Net profit before taxes 87.16 Income tax (48.35) Net profit 38.81
5/ 16 Assets HI 2020
Asset Growth Breakdown of Assets by Country [$31.4Bn ; (18.47%) YoY; (1.49%) QoQ] ($M) HI 2020 % Total % YoY 2019 2018 2017 2016
36.74 Lebanon 25,028 79.67 (21.40) 26,731 30,390 26,496 23,999
32.54 33.30 31.41 Egypt 2,783 8.87 9.18 2,769 2,195 1,951 1,519 29.10 29.52 27.98 26.15 25.05 Jordan 892 2.84 (11.42) 937 1,003 1,047 1,082 22.34 23.17 UAE 871 2.77 (10.39) 989 1,027 981 829
KSA 95 0.30 (1.04) 99 97 93 105
Qatar 65 0.21 (17.72) 63 88 105 94
Iraq 83 0.26 (17.00) 106 74 86 76
Europe 1,597 5.08 (15.28) 1,602 1,867 1,785 1,813 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Breakdown of Assets by Uses Breakdown of Assets by Funding
Other Assets Loans & ($M) HI 2020 % Total % YoY 2019 2018 2017 2016 Advances to 2.3% customers 14.5% Deposits 24,154 76.89 (14.17) 26,462 27,220 21,642 24,811
Corporate Securities 1.0% Central Bank 3,019 9.61 (48.52) 2,586 4,738 1,501 346 Cash & Central Government Bank 67.8% Interbank 219 0.70 (42.37) 345 575 384 392 Securities 10.1% $31.4Bn
Interbank 4.3% Others 833 2.65 (5.02) 747 940 1,012 1,037
Equity 3,189 10.15 (2.45) 3,156 3,268 3,005 2,932
6/ 16 Equity HI 2020
Equity Growth Shareholder’s Equity by Country [$3.19Bn ; (2.48%) YoY ; 0.89% QoQ] ($M) HI 2020 % Total % YoY 2019 2018 2017 2016 3.27 3.19 3.15 Lebanon 2,228 69.86 (2.11) 2,099 2,316 2,120 2,164 2.93 3.01 2.72 Egypt 287 9.00 21.61 270 203 164 116 2.52 2.35 2.18 Jordan 135 4.23 - 142 136 133 128 1.98 1.89 UAE 143 4.48 2.88 150 144 129 129
KSA 85 2.68 0.46 91 86 84 83
Qatar 44 1.38 4.76 43 41 41 40
Iraq 57 1.79 3.64 56 54 49 29
Europe 210 6.58 (30.23) 305 289 285 243 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Shareholders Equity Book Value Calculation Capital Adequacy Ratios (%)
($M) HI 2020 2019 2018 2017 2016
19.85 19.13 20.07 Shareholders’ Equity 3,189 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 11.05 11.22 Minority Interest 55 56 53 51 49 9.88 10.04 9.88 10.04 Tier II 14 16 9 10 10
Dividends on Preferred 0 0 0 0 14 Shares
Shareholders Equity for 3,120 3,084 3,207 2,944 2,659 Book Value Calculation 2016 2017 2018 2019 HI 2020
Bookvalue Per Share 14.53 14.39 14.97 13.73 12.43 Common Tier 1 CAR Tier 1 CAR Total CAR
7/ 16 Deposits HI 2020
Deposit Growth Deposits Breakdown by Country [$24.15Bn ; (14.17 %) YoY ; (2.04%) QoQ]
($M) HI 2020 % Total % YoY 2019 2018 2017 2016
Lebanon 18,958 78.49 (16.97) 21,097 22,318 21,878 20,597 26.64 27.22 26.46 25.09 24.81 24.01 24.15 Egypt 2,412 9.99 8.16 2,410 1,926 1,711 1,327 21.79 22.57 19.61 20.30 Jordan 619 2.56 (23.77) 703 802 841 875
UAE 635 2.63 (11.68) 752 777 744 637
Qatar 14 0.06 - 23 10 20 7
Iraq 31 0.13 (42.59) 53 49 32 39
Europe 1,485 6.15 0.34 1,424 1,338 1,416 1,329 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Deposits by Type of Client** Total Deposits by Currency
EGP 8.0% Others 4.5% Corporate 19.5% LBP 12.4% GBP 1.0%
EURO 6.0% Individuals 55.4%
$24.2Bn * $24.2Bn
HNW 25.1%
* Excluding BLOM Euro CD’s of $302.9M ** Individuals < $1M ; HNW >$1M USD 68.1%
8/ 16 1. Introduction
2. Financial Overview
3. Business Overview
4. BLOM’s Shares
5. Appendix Overview of BLOM Bank’s Business Segments HI 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 HI 2020
Sovereign Exposure Corporate Securities [$24.3B] [Bonds 46.3% ; Equities 29.3% ; Funds 24.4%]
($B) HI 2020 2019 2018 2017 2016
Central Bank 21.1 21.8 23.0 17.5 13.6 International 28.4% BDL 20.4 19.9 21.2 16.3 12.5 in LBP 4.2 5.3 9.0 6.2 5.6 in FC 16.2 14.6 12.2 10.1 6.9 $328 M Regional 71.6% Other 0.7 1.9 1.8 1.2 1.1
Government Securities 3.2 3.1 3.1 3.3 4.3 Domestic Exposure 3.0 2.7 2.7 2.9 2.9
FC Exposure 0.2 0.4 0.4 0.4 1.4
Commercial Loans * Retail Loans
($M) HI 2020 2019 2018 2017 2016 ($M) HI 2020 Lebanon Egypt Jordan
Corporate Loans 904 1,263 1,703 1,807 1,690 Housing 1,519 1,390 36 93
SME Loans 945 1,137 1,510 1,504 1,411 Car 338 109 76 154
Real Estate 352 630 764 793 910 Personal 274 132 72 71
Others 107 138 140 200 178 Cards 90 69 4 17
Total 2,308 3,168 4,117 4,304 4,189 Total 2,221 1,700 187 334
* Excluding related parties loans & insurance receivables
10/ 16 Loans HI 2020
Net Lending Growth ($M) Breakdown of Lending by Country [$4.55Bn ; (31.66%) YoY; (9.95%) QoQ]
($M) HI 2020 % Total % YoY 2019 2018 2017 2016 7,538 7,164 7,165 6,910 7,196 Lebanon 2,589 56.90 (42.57) 3,664 4,891 5,432 5,277 6,345 6,028 Egypt 797 17.51 7.12 819 720 645 470 5,814 5,591 5,178 Jordan 460 10.11 (8.37) 477 529 523 512 4,550
UAE 332 7.30 (23.68) 496 508 434 359
Qatar 59 1.30 (11.94) 57 77 96 92
Iraq 8 0.18 (11.11) 10 8 8 10
Europe 305 6.70 (22.39) 291 432 400 444
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Net Interest Margin Breakdown of Lending by Currency [Net Interest Income $553.28M; 47.94% YoY]
Others 9.6% 3.3%
LBP 24.1% 2.4% 2.4% EGP 14.4% 2.3% 2.3% 2.3% 2.2% 2.2% 2.1% 2.1% 1.9% $4.6Bn JOD 9.4%
GBP 1.5%
EURO 3.9%
USD 37.1% 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
11/ 16 Retail Lending HI 2020
Retail Lending Growth ($M) Breakdown of Retail Lending by Country [$2.2Bn ; (21.71%) YoY; (8.41%) QoQ]
3,201 ($M) HI 2020 % Total % YoY 2019 2018 2017 2016 3,011 2,904 2,904 2,690 2,617 Lebanon 1,700 76.54 (26.12) 2,092 2,472 2,670 2,398 2,414 2,221 2,099 Egypt 187 8.42 11.98 178 151 134 113 1,840 1,558 Jordan 334 15.04 (9.49) 347 388 397 393
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Retail Loans Distribution by Product Retail Loans Distribution by Currency
Personal Loans Credit Cards 12.29% 4.05%
Car Loans 15.27%
FC 51.30% LBP 48.70% $2.2Bn $2.2Bn
Housing Loans 68.39%
12/ 16 Asset Quality/ Provisioning HI 2020
Net Impairment Losses on Loans [3,057.2% YoY] ; NPLs * Coverage Ratios (%)
15.35% 159.44
138.95 167.33
142.00 140.10 134.90 143.41 134.53 130.59 128.42 105.06 121.00 125.25
82.10 7.08% 69.80 4.44% 5.44% 4.89% 89.94 4.40% 83.91 39.26 4.48% 74.70 41.27 4.19% 68.54 63.66 76.91 2.69% 3.20% 64.81 64.51 3.13% 61.62 59.64 16.51 16.8 12.67 13.41
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Net Impairment Losses on Loans ($M) Gross Non-Performing/Gross Loans Coverage Ratio ** Coverage Ratio (Allowances for ECL - Stage 3)
Asset Quality ; Coverage Ratio ** Balance sheet Provisions ($M)
(%) HI 2020 Coverage 2019 2018 2017 2016
Lebanon 21.96 138.82 8.57 4.89 2.94 4.28 136
Egypt 2.45 180.48 2.37 1.83 0.54 0.62
Jordan 11.03 131.32 8.40 5.41 3.98 4.21 61 183 75 61 83 UAE 3.62 195.35 0.11 0.09 1.69 1.78 68 84 68 472
Qatar 9.05 182.48 10.41 6.94 5.62 5.79 69 283 287 245 258 211 204 214 206 Iraq - - - - - 15.47 127
Europe 5.28 272.36 9.23 7.57 9.38 7.92 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020
Allowances for ECL - Stage 3 Allowances for ECL - Stage 1 & 2
* Starting year 2018, NPLs include substandard, doubtful and bad debts 13/ 16 ** Allowances for ECL – Stage 3 and Real Guarantees Business Segments HI 2020
AUMs ($M) Insurance Business - Premium ($M) [$5.4Bn ; (29.64%) YoY] [(20.38%) YoY]
7,841 7,935 7,156 7,122 6,719 6,616 5,976 5,567 5,610 5,205 5,411 80.42 79.64 63.74 70 75.11 68.99 68.34 70.75
45.39
45.32 43.66 37.20 39.08 37.93 41.49 42.28 40.99 39.39 12.50 8.56 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020 2010 2011 2012 2013 2014 2015 2016 2017 2018 QI 2019 Life Non-Life
Beirut Stock Exchange Brokerage Share ($M) Asset Management Business ($M) [(55.19%) YoY]
972 762 678 901 661 629 610.65 594.29 515 567.35 408 375 562.93 546.96
180 124 491.88 450.65
262.16
17.60 33.90 27.50 15.40 52.99 34.88 37.19 133.10 24.36 15.99 13.53 99.77 5.90
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020 BLOMINVEST Share (%) BSE Total Turnover ($M)
14/ 16 1. Introduction
2. Financial Overview
3. Business Overview
4. BLOM’s Shares
5. Appendix BLOM BANK Shares HI 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 $42.786M through the 2017(June) incorporation of an additional BLOM Bank redeemed its 20 million amount from the reserves account, preferred shares class 2011 resulting in a nominal value of LBP 1,500 per common share.
15/ 16 BLOM BANK Share Performance HI 2020
Earnings Per Common Share ($) * Dividends per Common Share($) 2.37 2.20 2.25 1.13 1.13
1.86 1.00
1.60 1.53 1.58 0.83 1.46 1.48 0.66
0.50 0.45 0.45 0.45
0.51 0.35
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 HI 2020 2010 2011 2012 2013 2014 2015 2016 2017 2018 * Annualized
Dividends Pay-Out(%) BLOM GDR Trading on Beirut & London Stock Exchanges ($) 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
HI 2020 2,957,258 1,534,193 4,491,451 37,429 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 QI 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 HI 2020
Net Income ($M) ROA ; ROE (Common)
2.44% 38.81
0.24% 0% 0% 77.23% Blom Audi Byblos
72.81% 66.39% (2.27)%
0 0 (3.01)% Blom Audi Byblos
Net Profits Cost to Income Ratio ROAA ROAE
Financial Ratios Volatility of Return* 10%
10.0 113.34
81.27 68.41 67.87
37.05 31.83
0.24 0.23 0
Blom Audi Blom Audi Byblos Mean Coefficient of Variation Price to Net Book Price to Earnings 0% yield [Average Quarterly Return 2005 – HI 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