Consolidated balance sheet of all banks Al-Baraka Bank Sal Emirates Bank Sal o.w. Bekaa 70 Al-Bilad Islamic Bank for Investment & Finance PSC Federal Bank of Lebanon Sal Overseas Banking Network 422 AM Bank Sal Fenicia Bank Sal Arab African International Bank FFA Private Bank Sal Remarks: Arab Bank Plc Finance Bank Sal Figures herein are based on the consolidated financial statements as Arab Bank (Switzerland) Lebanon Sal First National Bank Sal released by the banks including all their subsidiaries. Audi Investment Bank Sal Fransa Invest Bank Sal Audi Private Bank Sal Fransabank Sal B.L.C. Bank Sal HBL Habib Bank 1- The capital adequacy ratio was estimated on basis of 38 banks out Sal IBL Bank Sal of 46 in 2017 and 2016. Bank of Baghdad Private S.A. Co. IBL Investment Bank Sal 2- Arab African International Bank did not communicate its income Bank of Invest Sal Jammal Trust Bank Sal statement for both years. The consolidated figures does not include Bank of Beirut Sal Lebanese Swiss Bank Sal estimates. Bankmed Sal Lebanon and Gulf Bank Sal 3- Syrian Lebanese Commercial Bank Sal did not communicate its Banque Bemo Sal Libank Sal (Levant Investment Bank) figures in 2017, the consolidated figures include estimates. Banque de Crédit National Sal Lucid Investment Bank Sal 4- Arab Finance House Sal (Islamic Bank) and Lebanese Islamic Bank Banque de l’Habitat Sal MEAB Sal Sal were not included in our analyses because of the specific nature Banque Libano-Française Sal MedInvestment Bank Sal of the banks activity. Banque Misr Liban Sal National Bank of Kuwait (Lebanon) Sal 5- Bank Saderat Iran and Invest Bank P.S.C. did not communicate BBAC Sal North Africa Commercial Bank Sal their figures. BLOM Bank Sal Qatar National Bank S.A.Q. - Lebanon 6- In cases of mergers & acquisitions, subsidiary banks were BLOM Development Bank Sal Rafidain Bank consolidated with their mother bank’s groups. BLOMINVEST Bank Sal Saradar Bank Sal BSL Bank Sal Saudi Lebanese Bank Sal Sal Société Générale de Banque au Liban Sal (SGBL) Byblos Invest Bank Sal Syrian Lebanese Commercial Bank Sal Cedrus Bank Sal Network: Cedrus Invest Bank Sal Lebanon Network 1,070 Citibank N.A. o.w. Beirut 490 Crédit Libanais Investment Bank Sal o.w. Mount Lebanon 288 Crédit Libanais Sal o.w. South Lebanon 116 Creditbank Sal o.w. North Lebanon 106 CSCBank Sal Summary of performance highlights Network and staff 2015 2016 2017 Branches 1,483 1,426 1,411 o.w. Lebanon 1,056 1,067 1,077 Staff employed 36,053 35,818 35,697 o.w. Lebanon 25,952 26,778 27,572 Staff employed in banking entities 34,185 33,798 33,556 Growth (%) 2015 2016 2017 Assets 4.8 5.9 6.9 Loans to customers 5.6 2.0 2.3 Deposits from customers 4.5 3.6 3.3 Shareholders' equity 6.9 9.9 6.6 Total L/C openings of the year -21.0 5.8 14.5 Total income 6.5 31.5 -14.6 General operating expenses 4.0 15.8 -5.5 Net profits for the year 6.9 12.6 4.4 Management efficiency 2015 2016 2017 Average footings per branch (LL Billion) 280.285 296.606 321.236 Average footings per staff (LL Billion) 11.616 12.005 12.743 Average staff per branch 22.9 23.4 23.7 Cost per average branch (LL Billion) 3.304 3.856 3.738 Staff expenses per average staff (LL Billion) 0.076 0.081 0.080 Staff expenses to total operating expenses (%) 55.84 52.13 54.06 Cost to income (%) 50.33 44.30 49.06 Cost to average assets (%) 1.44 1.59 1.41 Total income per average staff (LL Billion) 0.272 0.352 0.302 Domestic market share (%) 2015 2016 2017 Assets 100.00 100.00 100.00 Loans to customers 100.00 100.00 100.00 Deposits from customers 100.00 100.00 100.00 Investment considerations 2015 2016 2017 Common shares outstanding (000) 5,241,824 3,982,643 3,986,401 Of which GDRs 253,044 257,200 257,248 Preferred shares outstanding (000) 66,638 78,388 59,238 Common earnings per share (LL) 535.59 788.68 847.66 Common book per share (LL) 4,599.41 6,560.42 7,161.59 Common dividends 918,874.887 1,162,545.259 1,310,624.048 Common dividends per share (LL) 175.30 291.90 328.77 Preferred dividends 350,938.714 380,775.590 377,329.100 Common payout ratio 30.96 34.63 37.18 Total payout ratio 38.26 41.29 43.25 ROAE to hurdle rate (times) 0.75 0.80 0.77 Breakdown of assets 2017 Breakdown of income 2017 Loans 29% Fixed assets Other income 2% 16%

Other assets 2% Net commissions Portfolio securities 15% Net interest income 27% 69%

Liquid assets 40% Consolidated balance sheet of all banks Balance sheet and contra accounts LL Million USD Million Structure (%) at year end 2016 2017 17/16 2016 2017 17/16 2016 2017 Assets 1. Cash and balances with Central Banks 96,344,471.131 124,080,503.284 28.8 63,910.097 82,308.792 28.8 26.5 31.9 2. Deposits with banks and financial institutions 20,863,893.834 22,836,320.289 9.5 13,840.062 15,148.471 9.5 5.7 5.9 3. Due from HO/Parent, sister, related banks & financial inst. 1,565,565.420 1,133,950.063 -27.6 1,038.518 752.206 -27.6 0.4 0.3 4. Loans to banks & fin. inst., reverse repurchase agreements 4,879,474.115 3,530,097.577 -27.7 3,236.799 2,341.690 -27.7 1.3 0.9 5. Financial assets given as collateral 1,528,687.081 2,888,846.225 89.0 1,014.054 1,916.316 89.0 0.4 0.7 6. Derivative financial instruments 461,795.737 439,740.532 -4.8 306.332 291.702 -4.8 0.1 0.1 7. Shares and participations at fair value through profit & loss 774,983.991 797,513.360 2.9 514.086 529.030 2.9 0.2 0.2 8. Bonds & other financial assets at fair value through P&L 6,585,054.653 5,845,720.383 -11.2 4,368.195 3,877.758 -11.2 1.8 1.5 Of which net advances & loans at fair value through P&L 21,898.000 47,658.000 117.6 14.526 31.614 117.6 0.0 0.0 9. Net loans and advances to customers at amortized cost 110,166,530.968 113,114,658.400 2.7 73,078.959 75,034.599 2.7 30.3 29.1 10. Net loans & advances to related parties at amortized cost 1,547,368.572 1,179,328.953 -23.8 1,026.447 782.308 -23.8 0.4 0.3 11. Debtors by acceptances 2,312,023.491 3,389,593.566 46.6 1,533.681 2,248.487 46.6 0.6 0.9 12. Debt instruments classified at amortized cost 105,742,194.846 96,133,723.743 -9.1 70,144.076 63,770.298 -9.1 29.1 24.7 13. Shares & participations at fair value through OCI 1,422,250.404 1,563,568.322 9.9 943.450 1,037.193 9.9 0.4 0.4 14. Debt instruments & other financial assets at FVTOCI - 1,391.000 - - 0.923 - - 0.0 15. Investments in associates 394,649.833 573,013.412 45.2 261.791 380.108 45.2 0.1 0.1 16. Assets taken in settlement of debt 1,368,370.138 1,559,844.212 14.0 907.708 1,034.723 14.0 0.4 0.4 17. Tangible fixed assets 4,698,155.452 4,981,028.866 6.0 3,116.521 3,304.165 6.0 1.3 1.3 18. Intangible fixed assets 228,669.969 253,647.327 10.9 151.688 168.257 10.9 0.1 0.1 19. Non current assets held for sale 535,162.943 1,974,267.407 268.9 355.000 1,309.630 268.9 0.1 0.5 20. Other assets 1,836,257.517 1,977,588.574 7.7 1,218.081 1,311.833 7.7 0.5 0.5 21. Goodwill 484,163.553 403,416.057 -16.7 321.170 267.606 -16.7 0.1 0.1 Total assets 363,739,723.648 388,657,761.553 6.9 241,286.716 257,816.094 6.9 100.0 100.0 Liabilities and shareholders' equity 1. Due to Central Banks 7,612,706.726 18,720,233.897 145.9 5,049.888 12,418.066 145.9 2.1 4.8 2. Due to banks & financial inst. & repurchase agreements 13,291,156.637 13,551,323.276 2.0 8,816.688 8,989.269 2.0 3.7 3.5 3. Due to HO/Parent, sister, related banks & financial inst. 1,525,036.811 2,270,069.550 48.9 1,011.633 1,505.850 48.9 0.4 0.6 4. Financial assets taken as a guarantee 342,400.266 326,985.289 -4.5 227.131 216.906 -4.5 0.1 0.1 5. Derivative financial instruments 328,152.692 254,242.402 -22.5 217.680 168.652 -22.5 0.1 0.1 6. Financial liabilities at fair value through profit & loss 161,628.925 142,515.291 -11.8 107.217 94.538 -11.8 0.0 0.0 Of which deposits at fair value through profit & loss 161,628.925 142,515.291 -11.8 107.217 94.538 -11.8 0.0 0.0 7. Deposits from customers at amortized cost 284,726,186.738 294,887,647.653 3.6 188,873.092 195,613.697 3.6 78.3 75.9 8. Deposits from related parties at amortized cost 6,444,017.111 5,888,414.664 -8.6 4,274.638 3,906.079 -8.6 1.8 1.5 9. Debt issued and other borrowed funds 1,418,649.052 739,971.768 -47.8 941.061 490.860 -47.8 0.4 0.2 10. Engagements by acceptances 2,312,023.491 3,389,593.566 46.6 1,533.681 2,248.487 46.6 0.6 0.9 11. Other liabilities 6,749,571.946 5,637,152.656 -16.5 4,477.328 3,739.405 -16.5 1.9 1.5 12. Provisions for risks and charges 2,002,205.901 2,167,495.209 8.3 1,328.163 1,437.808 8.3 0.6 0.6 13. Subordinated loans and similar debt 1,939,296.887 2,252,315.189 16.1 1,286.432 1,494.073 16.1 0.5 0.6 14. Non current liabilities held for sale 31,477.804 1,267,903.446 - 20.881 841.064 - 0.0 0.3 Total liabilities 328,884,510.987 351,495,863.856 6.9 218,165.513 233,164.752 6.9 90.4 90.4 1. Capital - common shares 5,743,907.267 6,089,489.915 6.0 3,810.220 4,039.463 6.0 1.6 1.6 2. Capital - preferred shares 283,765.600 279,388.100 -1.5 188.236 185.332 -1.5 0.1 0.1 3. Issue premium on common shares 2,218,836.903 2,273,869.998 2.5 1,471.865 1,508.371 2.5 0.6 0.6 4. Issue premium on preferred shares 5,387,356.588 5,363,613.681 -0.4 3,573.703 3,557.953 -0.4 1.5 1.4 5. Cash contribution to capital 1,010,060.832 991,953.769 -1.8 670.024 658.012 -1.8 0.3 0.3 6. Legal and statutory reserves 7,348,619.271 8,506,710.499 15.8 4,874.706 5,642.926 15.8 2.0 2.2 7. Reserves available for distribution 1,629,848.355 1,380,624.497 -15.3 1,081.160 915.837 -15.3 0.4 0.4 8. Treasury shares -175,937.605 -218,017.427 -23.9 -116.708 -144.622 -23.9 0.0 -0.1 9. Retained earnings 5,474,016.560 6,281,929.353 14.8 3,631.188 4,167.117 14.8 1.5 1.6 10. Revaluation reserve of real estate 630,184.828 627,902.623 -0.4 418.033 416.519 -0.4 0.2 0.2 11. Reserve on revaluation of financial assets at FVTOCI 272,491.904 197,004.571 -27.7 180.757 130.683 -27.7 0.1 0.1 12. Reserve on changes in fair value of cash flow hedges -50,000.712 -39,267.559 21.5 -33.168 -26.048 21.5 0.0 0.0 13. Foreign currency translation reserve -2,060,617.669 -2,069,264.545 -0.4 -1,366.911 -1,372.646 -0.4 -0.6 -0.5 14. Other reserves 1,011,158.969 1,202,587.694 18.9 670.752 797.736 18.9 0.3 0.3 15. Result of the financial period 3,456,018.410 3,700,756.661 7.1 2,292.550 2,454.897 7.1 1.0 1.0 Total shareholders' equity - Group share 32,179,709.499 34,569,281.831 7.4 21,346.408 22,931.530 7.4 8.8 8.9 Shareholders' equity - Non controlling interests 2,675,503.161 2,592,615.866 -3.1 1,774.795 1,719.812 -3.1 0.7 0.7 Total shareholders' equity 34,855,212.661 37,161,897.697 6.6 23,121.202 24,651.342 6.6 9.6 9.6 Total liabilities and shareholders' equity 363,739,723.648 388,657,761.553 6.9 241,286.716 257,816.094 6.9 100.0 100.0 Off-balance sheet items LCs 3,986,862.861 4,015,628.836 0.7 2,644.685 2,663.767 0.7 Total LC openings during the year 27,147,518.539 31,074,161.184 14.5 18,008.304 20,613.042 14.5 LGs 13,629,445.786 14,133,993.669 3.7 9,041.092 9,375.784 3.7 Other commitments 19,226,546.583 17,019,787.789 -11.5 12,753.928 11,290.075 -11.5 Fiduciary accounts 5,970,309.833 6,131,848.897 2.7 3,960.405 4,067.561 2.7 Assets under management 36,366,915.315 38,467,139.480 5.8 24,123.990 25,517.174 5.8 Total footings 442,919,804.025 468,426,160.224 5.8 293,810.815 310,730.455 5.8 LL Million USD Million Share in total 2016 2017 17/16 2016 2017 17/16 2016 2017 Selected balance sheet data in foreign currencies Assets 242,233,549.855 258,174,927.910 6.6 160,685.605 171,260.317 6.6 66.6 66.4 Loans to customers 87,594,484.960 86,124,135.427 -1.7 58,105.794 57,130.438 -1.7 78.4 75.3 Deposits from customers 202,173,237.027 215,066,642.466 6.4 134,111.600 142,664.439 6.4 69.4 71.5 Share of foreign entities in selected balance sheet data Assets 55,467,959.959 55,567,753.494 0.2 36,794.667 36,860.865 0.2 15.2 14.3 Loans to customers 28,836,168.231 26,178,911.064 -9.2 19,128.470 17,365.778 -9.2 25.8 22.9 Deposits from customers 40,706,343.855 39,044,906.231 -4.1 27,002.550 25,900.435 -4.1 14.0 13.0 Consolidated balance sheet of all banks Consolidated income statement LL Million USD Million Structure (%) 2016 2017 17/16 2016 2017 17/16 2016 2017 Interest & similar income 19,191,406.113 21,383,785.299 11.4 12,730.618 14,184.932 11.4 Interest & similar expense 12,834,159.482 14,512,636.978 13.1 8,513.539 9,626.957 13.1 Net interest income 6,357,246.631 6,871,148.321 8.1 4,217.079 4,557.976 8.1 49.0 64.8 Fee & commission income 2,980,977.013 2,000,226.220 -32.9 1,977.431 1,326.850 -32.9 Fee & commission expense 423,327.054 429,351.566 1.4 280.814 284.810 1.4 Net fee & commission income 2,557,649.959 1,570,874.654 -38.6 1,696.617 1,042.040 -38.6 19.7 14.8 Net gain/loss on financial assets/liabilities at FVTP&L 2,011,537.681 836,236.849 -58.4 1,334.353 554.718 -58.4 15.5 7.9 o.w. net revaluation gain/loss 49,798.689 -121,915.221 - 33.034 -80.872 - o.w. net interest income/expense 449,483.969 440,905.306 -1.9 298.165 292.474 -1.9 o.w. net profits on foreign exchange 463,998.220 210,498.867 -54.6 307.793 139.634 -54.6 Net gain/loss on financial investments 1,733,800.185 368,710.553 -78.7 1,150.116 244.584 -78.7 13.4 3.5 Other operating income 305,785.915 952,177.182 211.4 202.843 631.627 211.4 2.4 9.0 Total operating income 12,966,020.371 10,599,147.559 -18.3 8,601.009 7,030.944 -18.3 100.0 100.0 Net provisions for credit losses 1,862,612.015 719,087.437 -61.4 1,235.564 477.007 -61.4 Credit losses on debt instruments at amortized cost -1,165.941 2,314.714 - -0.773 1.535 - Credit losses on doubtful loans 861,163.143 972,378.604 12.9 571.252 645.027 12.9 Recoveries of provisions for doubtful loans 287,411.920 320,565.604 11.5 190.655 212.647 11.5 Collective provisions (IS) 933,063.047 33,211.117 -96.4 618.947 22.031 -96.4 Other net provisions 356,963.686 31,748.605 -91.1 236.792 21.060 -91.1 Prov. for impairment of other financial instr./investments 227,966.596 12,234.252 -94.6 151.222 8.116 -94.6 Net operating income 10,875,441.761 9,867,825.871 -9.3 7,214.223 6,545.821 -9.3 Staff expenses 2,923,898.020 2,866,643.327 -2.0 1,939.568 1,901.588 -2.0 52.1 54.1 Administrative & other operating expenses 1,927,036.192 1,910,885.051 -0.8 1,278.299 1,267.585 -0.8 34.4 36.0 Depreciation of tangible fixed assets 310,331.450 304,686.339 -1.8 205.858 202.114 -1.8 5.5 5.7 Amortization of intangible fixed assets 58,932.640 48,999.846 -16.9 39.093 32.504 -16.9 1.1 0.9 Impairment of goodwill 388,921.609 171,604.497 -55.9 257.991 113.834 -55.9 6.9 3.2 Total operating expenses 5,609,119.910 5,302,819.060 -5.5 3,720.809 3,517.625 -5.5 100.0 100.0 Operating profit 5,266,321.851 4,565,006.811 -13.3 3,493.414 3,028.197 -13.3 Share of profit of associates under equity method 41,775.615 46,618.119 11.6 27.712 30.924 11.6 Net gain/loss from sale or disposal of other assets -85,191.781 19,405.543 - -56.512 12.873 - Profit before tax 5,222,905.685 4,631,030.473 -11.3 3,464.614 3,071.994 -11.3 Income tax 1,223,400.389 872,010.562 -28.7 811.543 578.448 -28.7 Profit after tax from operating activities 3,999,505.296 3,759,019.910 -6.0 2,653.072 2,493.546 -6.0 Result of discontinued operations -261,966.449 143,790.729 - -173.775 95.384 - Net profit 3,737,538.846 3,902,810.640 4.4 2,479.296 2,588.929 4.4 o.w. Net profit - Non controlling interest 215,715.703 146,363.985 -32.1 143.095 97.091 -32.1 o.w. Net profit - Group share 3,521,823.143 3,756,446.654 6.7 2,336.201 2,491.839 6.7 Earnings per share (LL) ------Diluted earnings per share (LL) ------Non interest income analysis 2016 Share 2017 Share 17/16 Net fee & commission income 2,557,649.959 43.7 1,570,874.654 44.9 -38.6 Net profits on foreign exchange 463,998.220 7.9 210,498.867 6.0 -54.6 Net gain / loss on financial assets and / or investments 2,831,855.678 48.4 553,543.230 15.8 -80.5 Other income 403.299 0.0 1,161,991.573 33.2 - Total non interest income 5,853,907.156 100.0 3,496,908.323 100.0 -40.3 Structural ratios (%) 2016 2017 17/16 Non interest income / total income 46.24 32.35 -13.89 Net fees and commissions / average assets 0.72 0.42 -0.31 Operating expenses / average assets 1.59 1.41 -0.18 Credit cost / pre-provision, pre-tax profit 25.47 13.41 -12.06 Income tax / profit before tax 23.42 18.83 -4.59 Key performance metrics (%) 2016 2017 17/16 Yield on earning assets 5.79 6.06 0.28 o.w. in LL 6.55 6.77 0.22 o.w. in FX 5.42 5.71 0.29 - Cost of earning assets 3.78 4.03 0.25 o.w. in LL 4.59 4.46 -0.13 o.w. in FX 3.39 3.82 0.43 Cost of funds (for info) 4.12 4.42 0.30 o.w. in LL 5.40 5.32 -0.07 o.w. in FX 3.57 4.02 0.45 = Interest margin 2.01 2.03 0.03 o.w. in LL 1.96 2.31 0.35 o.w. in FX 2.03 1.89 -0.14 x Average interest earnings / Average assets 95.97 95.69 -0.28 o.w. in LL 95.49 95.64 0.14 o.w. in FX 96.20 95.72 -0.48 = Spread 1.92 1.94 0.02 o.w. in LL 1.87 2.21 0.34 o.w. in FX 1.95 1.81 -0.14 + Non interest income / Average assets 1.66 0.93 -0.73 = Asset utilization ratio 3.58 2.87 -0.71 x Net operating margin 29.52 36.11 6.59 o.w. cost to income 44.30 49.06 4.76 o.w. credit cost 14.71 6.65 -8.06 o.w. other provisions 1.80 0.11 -1.69 o.w. tax cost 9.66 8.07 -1.60 = ROAA 1.06 1.04 -0.02 x Leverage (average assets times average equity) 10.63 10.45 -0.18 = ROAE 11.23 10.84 -0.39 ROACE 12.18 11.76 -0.42 Consolidated balance sheet of all banks Asset quality LL Million USD Million Sector avg 17 2016 2017 17/16 2016 2017 17/16 LL Million Breakdown of loans and advances to customers Retail 12,181,681.514 12,251,465.369 0.6 8,080.717 8,127.009 0.6 266,336.204 SMEs 18,824,475.103 18,903,766.426 0.4 12,487.214 12,539.812 0.4 410,951.444 Corporate 42,747,328.327 42,881,867.833 0.3 28,356.437 28,445.683 0.3 932,214.518 Housing 17,803,401.946 19,676,669.758 10.5 11,809.885 13,052.517 10.5 427,753.690 Public sector 809,628.791 865,792.929 6.9 537.067 574.324 6.9 18,821.585 Secured by commercial real estate 10,477,037.163 10,498,138.241 0.2 6,949.942 6,963.939 0.2 228,220.397 Other loans 8,892,244.696 9,263,944.796 4.2 5,898.670 6,145.237 4.2 201,390.104 Total net loans 111,735,797.540 114,341,645.353 2.3 74,119.932 75,848.521 2.3 2,485,687.942 Gross loans 119,673,332.866 122,719,846.086 2.5 79,385.295 81,406.200 2.5 2,667,822.741 Gross substandard loans (SLs) 1,748,097.016 2,363,569.995 35.2 1,159.600 1,567.874 35.2 51,381.956 o.w. Interest in suspense 276,616.886 381,324.946 37.9 183.494 252.952 37.9 8,289.673 o.w. Net substandard loans 1,471,480.130 1,982,245.049 34.7 976.106 1,314.922 34.7 43,092.284 Gross doubtful loans (DLs) 7,821,773.462 8,198,373.399 4.8 5,188.573 5,438.390 4.8 178,225.509 o.w. Net doubtful loans 1,890,884.326 1,995,897.622 5.6 1,254.318 1,323.979 5.6 43,389.079 o.w. Specific provisions 2,778,377.468 2,902,529.242 4.5 1,843.036 1,925.393 4.5 63,098.462 o.w. Interest in suspense 3,152,511.668 3,299,946.536 4.7 2,091.218 2,189.019 4.7 71,737.968 Loan loss reserves 6,207,506.022 6,583,800.723 6.1 4,117.749 4,367.364 6.1 143,126.103 Collective provisions 1,730,029.304 1,794,400.010 3.7 1,147.615 1,190.315 3.7 39,008.696 Debt fully provided for (Off balance sheet) 2,509,013.147 3,078,731.261 22.7 1,664.354 2,042.276 22.7 66,928.940 Ratios (in %) DLs / Gross loans 6.54 6.68 0.14 6.54 6.68 0.14 6.68 SLs + DLs / Gross loans 8.00 8.61 0.61 8.00 8.61 0.61 8.61 Net DLs / Gross loans 1.58 1.63 0.05 1.58 1.63 0.05 1.63 Net DLs + SLs / Gross loans 2.81 3.24 0.43 2.81 3.24 0.43 3.24 LLRs on DLs / DLs 75.83 75.65 -0.17 75.83 75.65 -0.17 75.65 LLRs / Gross loans 6.63 6.83 0.19 6.63 6.83 0.19 6.83 Collective provisions / Net loans 1.55 1.57 0.02 1.55 1.57 0.02 1.57 Net DLs / Equity 5.42 5.37 -0.05 5.42 5.37 -0.05 5.37 Write offs / (Gross NPLs + write offs) 20.77 22.57 1.80 20.77 22.57 1.80 22.57 Liquidity LL Million USD Million Sector avg 17 2016 2017 17/16 2016 2017 17/16 LL Million Portfolio securities breakdown o.w. Lebanese Treasury bills in LL 30,055,132.968 26,968,145.913 -10.3 19,937.070 17,889.317 -10.3 586,264.042 o.w. Lebanese Sovereign Eurobonds 24,381,549.307 22,452,095.939 -7.9 16,173.499 14,893.596 -7.9 488,089.042 o.w. BDL's Certificates of deposits in LL 21,049,071.409 17,107,005.926 -18.7 13,962.900 11,347.931 -18.7 371,891.433 o.w. BDL's Certificate of deposits in FX 27,207,121.736 26,382,085.337 -3.0 18,047.842 17,500.554 -3.0 573,523.594 o.w. Other debt instruments 9,612,476.079 9,023,844.011 -6.1 6,376.435 5,985.966 -6.1 196,170.522 o.w. Equity Instruments 2,197,234.395 2,361,081.682 7.5 1,457.535 1,566.223 7.5 51,327.863 Total portfolio securities 114,502,585.894 104,294,258.809 -8.9 75,955.281 69,183.588 -8.9 2,267,266.496 Primary liquidity / assets 34.42 39.74 5.33 34.42 39.74 5.33 39.74 o.w. Central Bank / assets 26.49 31.93 5.44 26.49 31.93 5.44 31.93 o.w. Banks / assets 7.93 7.82 -0.11 7.93 7.82 -0.11 7.82 Net primary liquidity / deposits 35.15 39.75 4.59 35.15 39.75 4.59 39.75 o.w. net primary liquidity in LL / deposits in LL 37.55 38.79 1.23 37.55 38.79 1.23 38.79 o.w. net primary liquidity in FX / deposits in FX 34.09 40.13 6.03 34.09 40.13 6.03 40.13 Loans / deposits 38.35 38.00 -0.36 38.35 38.00 -0.36 38.00 o.w. in LL 27.08 32.87 5.79 27.08 32.87 5.79 32.87 o.w. in FX 43.33 40.05 -3.28 43.33 40.05 -3.28 40.05 Portfolio securities / deposits 39.30 34.66 -4.64 39.30 34.66 -4.64 34.66 Lebanese Treasury bills in LL / deposits in LL 33.71 31.41 -2.30 33.71 31.41 -2.30 31.41 BDL's Certificates of deposits in LL/deposits in LL 23.61 19.93 -3.68 23.61 19.93 -3.68 19.93 Lebanese Sovereign eurobonds / deposits in FX 12.06 10.44 -1.62 12.06 10.44 -1.62 10.44 BDL's Certificates of deposits in FX/deposits in FX 13.46 12.27 -1.19 13.46 12.27 -1.19 12.27 Lebanese Sovereign eurobonds / equity 69.95 60.42 -9.53 69.95 60.42 -9.53 60.42 Capital adequacy LL Million USD Million Sector avg 17 As per Basle II 2016 2017 17/16 2016 2017 17/16 LL Million Risk weighted assets 196,882,745.066 206,988,165.006 5.13 130,602.153 137,305.582 5.13 4,499,742.718 Risk weighted assets / total assets in % 54.13 53.26 -0.87 54.13 53.26 -0.87 53.26 Common Tier 1 (including profits net of dividends) 22,746,960.406 25,073,047.621 10.23 15,089.194 16,632.204 10.23 545,066.253 Additional Tier 1 Capital 6,194,660.845 6,123,890.358 -1.14 4,109.228 4,062.282 -1.14 133,128.051 Tier 1 Capital 28,941,621.250 31,196,937.979 7.79 19,198.422 20,694.486 7.79 678,194.304 Tier 2 Capital 3,519,947.032 3,624,149.407 2.96 2,334.957 2,404.079 2.96 78,785.857 Total capital 32,461,568.283 34,821,087.386 7.27 21,533.379 23,098.565 7.27 756,980.161 Common Tier 1 ratio 11.55 12.11 0.56 11.55 12.11 0.56 12.11 Additional Tier 1 ratio 3.15 2.96 -0.19 3.15 2.96 -0.19 2.96 Tier 1 ratio 14.70 15.07 0.37 14.70 15.07 0.37 15.07 Tier 2 ratio 1.79 1.75 -0.04 1.79 1.75 -0.04 1.75 Total capital ratio 16.49 16.82 0.33 16.49 16.82 0.33 16.82 Capital adequacy ratio (as provided by banks) 16.49 16.82 0.33 16.49 16.82 0.33 16.82