LEBANON FACTS & FIGURES 2016 FACTS AND FIGURES 2016

Geography Surface (in sqkm) 10,452 Coast length (in km) 210 Maximum altitude: Qornet-El-Saouda (in m) 3,083 Mount Lebanon average altitude (in m) 2,200 Average temperature (in centigrade) 20.4 Average coastal rainfall (in mm per year) 893 Number of rainy days per year 78 Humidity rate 68% Demography Population (in millions) 4.60 Population growth rate (2016) 0.9% Population density (per sqkm) 440 Urban population/Total population 88% Active labor force (in millions) 2.1 Life expectancy at birth 80 Infant mortality rate (per 1,000 live births) 7 Human Development Index (UNDP) 0.763 Education Adult literacy rate Male 93% Female 86% Net enrollment ratio (Primary) Male (% of primary school-age children) 86% Female (% of primary school-age children) 81% Technology Diffusion Number of telephone mainlines (per 100 people) 22.8 Number of cellular subscribers (per 100 people) 87.1 Number of internet users (per 100 people) 74.0 Number of broadband subscribers (per 100 people) 22.8 Infrastructure Roads (paved): 6,970 km Railways: non functional Airport: Rafic Hariri International Airport (16 km from city center) Ports:  (principal), Tripoli (main port for the North), , and Saida (main port for the South) General Currency: Lebanese Pound Official language: Arabic, French and English are widely spoken Business Hours Government: 8:00 a.m. to 2:00 p.m. Monday to Thursday 8:00 a.m. to 11:00 a.m. Friday 8:00 a.m. to 1:00 p.m. Saturday Banks' counters: 8:30 a.m. to 2:00 p.m. Monday to Friday 8:30 a.m. to 12:00 p.m. Saturday 2014 2015 2016

Macroeconomic Indicators Gross Domestic Product (US$ billion) 49.9 50.8 52.0 Real GDP growth rate 2.0% 1.0% 1.0% Growth in BDL avg. coincident indicator 3.2% 2.0% 3.9% Agriculture Agricultural exports (US$ million) 266 250 242 Agricultural exports/Total exports 8.0% 8.5% 8.1% Industry Industrial exports (US$ million) 3,046 2,704 2,733 Industrial exports/Total exports 91.9% 91.6% 91.8% Energy Electricity generated (million kWh) 12,522 12,475 13,129 Oil imports ('000 metric tons) 6,833 7,659 8,008 Construction Construction permits ('000 sqm) 13,546 12,339 12,234 Value of property sales (US$ million) 8,957 8,006 8,402 Number of sales operations 70,795 63,386 64,248 Average sale value (US$ 000) 127 126 131 Housing loans (US$ million)* 9,879 10,917 11,731 Cement deliveries ('000 tons) 5,517 5,043 5,247 Tourism Number of tourists 1,354,647 1,517,927 1,688,357 o.w. Europe 447,668 505,284 564,499 o.w. Arab countries 460,822 480,723 522,922 o.w. Americas 224,621 264,041 296,831 o.w. Asia 113,597 122,400 125,418 o.w. Africa 55,613 85,187 103,193 o.w. Oceania 50,883 59,670 74,916 o.w. United Nations 1,443 622 578 Hotel occupancy rate (Beirut average) 52% 58% 59%

* 2016 figures as at end-September. 2014 2015 2016

Transport Beirut Port activity Number of ships 1,962 1,807 2,014 Number of containers 764,527 797,228 855,631 Merchandise ('000 tons) 8,281 8,217 8,737 Beirut Airport activity Number of planes 64,578 68,868 70,740 Number of passengers ('000) 6,556 7,205 7,602 Foreign Trade (US$ million) Imports 20,494 18,069 18,705 Exports 3,313 2,952 2,977 Exports/Imports 16.2% 16.3% 15.9% Current account deficit 14,032 9,327 8,305 Current account deficit/GDP 28.1% 18.4% 16.0% Exports to main trade partners South Africa 9.0% 6.6% 21.1% Saudi Arabia 11.4% 12.1% 9.0% UAE 9.7% 10.6% 8.0% Syria 7.3% 7.1% 6.7% Iraq 7.7% 7.6% 5.4% Imports from main trade partners China 12.1% 11.5% 11.2% Italy 8.0% 7.1% 7.5% USA 6.0% 5.7% 6.3% Germany 6.1% 6.8% 6.2% Greece 4.0% 4.3% 5.7% Main exports Jewelry 16.4% 14.7% 27.8% Food products 15.5% 16.4% 15.0% Electrical equipment and products 13.4% 14.0% 11.2% Chemical products 11.5% 13.9% 10.2% Metals and metal products 11.3% 10.6% 8.5% Vegetable products 6.2% 6.2% 6.3% Main imports Mineral products 23.8% 19.0% 20.0% Chemical products 9.8% 10.8% 10.9% Electrical equipment and products 10.7% 11.0% 10.0% Transport vehicles 7.4% 9.7% 9.5% Food products 6.9% 7.5% 7.5% Jewelry 4.8% 4.5% 6.7% 2014 2015 2016

Balance of Payments (US$ million) Trade balance -17,181 -15,117 -15,728 Gross financial inflows 15,773 11,763 16,966 Balance of payments -1,408 -3,354 1,238 o.w. Change in banks' net foreign assets -5,223 -2,881 -2,629 o.w. Change in BDL net foreign assets 3,815 -474 3,866 Public Finance (US$ million) Government expenditures 13,952 13,528 14,867 o.w. Debt service 4,380 4,677 4,965 Government revenues 10,879 9,576 9,923 o.w. Custom duties & VAT 3,545 3,464 3,549 Public finance deficit 3,073 3,952 4,944 Primary balance 1,307 724 21 Total gross debt 66,564 70,311 74,886 o.w. Gross domestic debt 40,963 43,247 46,785 o.w. Foreign currency debt 25,601 27,064 28,101 Total net debt 57,300 61,537 65,421 Monetary Situation (US$ million) M1 (currency + LP demand deposits) 5,506 5,998 6,739 M2 (M1+quasi-money in LP) 48,690 52,153 54,679 M3 (M2+FX deposits) 117,676 123,622 130,035 M4 (M3+Tbs public) 124,594 130,925 139,960 Foreign assets-net 35,596 30,917 32,976 Gold 10,951 9,848 10,705 FX 24,645 21,069 22,271 Debit position of public sector 36,537 42,645 45,817 Net claims on public sector 41,941 46,891 50,930 Valuation adjustment -5,404 -4,246 -5,113 Claims on private sector 47,242 50,212 53,193 Claims on private sector in LP 13,100 14,417 16,530 Claims on private sector in FX 34,142 35,795 36,663 Other items-net -1,699 -152 810 Prices and Wages Average consumer price index 1.9% -3.7% -0.8% Minimum salary (in LP) 675,000 675,000 675,000 Minimum salary (in US$) 447.8 447.8 447.8 LP/US$ exchange rate 1,507.5 1,507.5 1,507.5 Interest Rates Average deposit rate (LP) 5.56% 5.56% 5.56% Average deposit rate (US$) 3.07% 3.17% 3.52% Average lending rate (LP) 7.49% 7.45% 8.23% Average lending rate (US$) 6.97% 7.06% 7.35% Weighted rate on LP Tbs 6.93% 6.98% 6.98% 2014 2015 2016

Lebanese Stock Market Market capitalization (US$ million) 10,550 10,496 10,951 Market capitalization/GDP 21.2% 20.7% 21.1% Trading value (US$ million) 619 498 885 Trading value to market capitalization 5.9% 4.7% 8.1% Number of listed companies 10 10 10 Audi price index (Jan. 22,1996 = 100) 105.9 104.6 106.9 P/E ratio (times)* 7.2 6.7 6.5 P/BV ratio (times)* 0.98 0.93 0.92 Banking System Number of banks 70 69 67 Number of branches 1,020 1,039 1,056 Number of medium & long term credit banks 16 16 17 Number of staff employed 22,951 23,723 24,004 Domestic activity highlights (US$ million) Total assets 175,697 185,989 204,311 Total deposits 144,425 151,585 162,495 Total loans 50,899 54,225 57,180 Total shareholders' equity 15,734 16,671 18,240 Key ratios Loans to deposits 35.2% 35.8% 35.2% Non-performing loans/total loans 3.6% 3.6% 3.6% Provisions/non-performing loans 71.0% 68.8% 66.2% Equity to assets 9.0% 9.0% 8.9% Basle II ratio** 14.9% 15.1% 14.6% ROAA 0.99% 1.04% 0.96% ROAE 11.3% 11.6% 10.7% TOP 10 BANKS BY CONSOLIDATED ASSETS AS AT 31/12/2016 (US$ MILLION)

Bank Bank Audi sal 44,396 BLOM Bank sal 29,530 Fransabank sal 20,871 Byblos Bank sal 20,825 SGBL sal 19,067 Bank of Beirut sal 17,207 BankMed sal 16,155 Banque Libano-Française sal 12,709 Crédit Libanais sal 10,658 IBL Bank sal 6,803

* For large listed banks. ** 2016 figures as at end-June. LEBANON GEFINOR Gefinor Center, Clemenceau Street. Bank Audi sal Tel: (961-1) 743400. Fax: (961-1) 743412. Member of the Association of Banks in HAZMIEH Lebanon Dar Assayad Bldg., Saïd Freiha Street, Capital: LBP 672,334,681,824 Hazmieh Roundabout. (as at December 2016) Tel: (961-5) 451850. Fax: (961-5) 457963. Consolidated shareholders’ equity: LBP 5,575,458,574,550 (as at December 2016) JNAH C.R. 11347 Beirut Tahseen Khayat Bldg., Khalil Moutran Street. List of Banks No. 56 Tel: (961-1) 844870. Fax: (961-1) 844875.

HEADQUARTERS MAZRAA Bank Audi Plaza, Bab Idriss. Wakf El-Roum Bldg., Saeb Salam Blvd. P.O. Box 11-2560 Beirut - Lebanon Tel: (961-1) 305612. Tel: (961-1) 994000. Fax: (961-1) 990555. Fax: (961-1) 316873, 300451. Customer helpline: (961-4) 727777. Swift: AUDBLBBX. NABATIEH E-mail: [email protected] Office 2000 Bldg., Hassan Kamel bankaudigroup.com El-Sabbah Street. Tel: (961-7) 767812. Fax: (961-7) 767816. COUNTRY MANAGEMENT LEBANON SAIDA – SOUTH Bank Audi Palladium, Bab Idriss. Moustapha Saad Street. P.O. Box: 11-2560 Beirut – Lebanon. Tel: (961-7) 728601. Fax: (961-7) 752704. Tel: (961-1) 994000. Fax: (961-1) 990555. Customer helpline: (961-4) 727777. SHTAURA Swift: AUDBLBBX. Daher Bldg., Main Road. E-mail: [email protected] Tel: (961-8) 542960. Fax: (961-8) 544853. bankaudi.com.lb TABARIS M1 Building, Bab Idriss. Bourj El-Ghazal Bldg., Fouad Shehab Avenue, P.O. Box: 11-2560 Beirut – Lebanon. Ashrafieh. Tel: (961-1) 994000. Fax: (961-1) 990555. Tel: (961-1) 332130. Customer helpline: (961-4) 727777. Fax: (961-1) 201992, 204827. Swift: AUDBLBBX. E-mail: [email protected] TRIPOLI – EL-MINA bankaudi.com.lb Mandarine Bldg., Riad El-Solh Street, El-Mina Blvd. Tel: (961-6) 205100. Fax: (961-6) 205103. Commercial Banking Network DORA TYRE Cité Dora 1, Dora Highway. Abou Saleh & Moughnieh Bldg., Main Road. Tel: (961-1) 255686. Tel: (961-7) 345196. Fax: (961-7) 345201. Fax: (961-1) 255695, 259071. ZOUK Val de Zouk Center, Zouk Mikhael. Tel: (961-9) 211140. Fax: (961-9) 223603, 225505. Corporate Banking Network HAMRA ASHRAFIEH – MAIN BRANCH Mroueh Bldg., Hamra Street. SOFIL Center, Charles Malek Avenue. Tel: (961-1) 341491. Fax: (961-1) 344680. Tel: (961-1) 200250. Fax: (961-1) 200724, 339092. MOUSSEITBEH Makassed Commercial Center, BAB IDRISS Mar Elias Street. Bank Audi Plaza, Omar Daouk Street. Tel: (961-1) 818277. Fax: (961-1) 303084. Tel: (961-1) 977588. Fax: (961-1) 999410, 971502. RAMLET EL BAYDA Al Iwan Bldg., Saeb Salam Avenue. VERDUN Tel: (961-1) 785951. Fax: (961-1) 785736. Verdun 2000 Center, Rashid Karameh Avenue. Tel: (961-1) 805805. RAOUSHEH Fax: (961-1) 865635, 861885. Majdalani Bldg., Raousheh Corniche. Tel: (961-1) 805068. Fax: (961-1) 805071. Retail & Personal Banking Network SAIFI El-Hadissa Bldg., El-Arz Street, Saifi. BEIRUT Tel: (961-1) 580530. Fax: (961-1) 580885. ASHRAFIEH – SASSINE SELIM SALAM Le Gabriel Hotel, Elias Sarkis Avenue, Sassine. Sharkawi Bldg., Selim Salam Avenue. Tel: (961-1) 200640. Fax: (961-1) 216685. Tel: (961-1) 318824. Fax: (961-1) 318657. ASHRAFIEH – SAYDEH Shibli Bldg., Istiklal Street. SODECO Tel: (961-1) 200753. Fax: (961-1) 204972. Alieh Bldg., Istiklal Street. Tel: (961-1) 612790. Fax: (961-1) 612793. BADARO Ibrahim Ghattas Bldg., Badaro Street. ZARIF Tel: (961-1) 387395. Fax: (961-1) 387398. Salhab Center, Algeria Street. Tel: (961-1) 747550. Fax: (961-1) 747553. BASTA Ouzaï Street, Noueiri Quarter. MOUNT LEBANON Tel: (961-1) 661323. Fax: (961-1) 651798. AIN EL-REMMANEH Etoile Center, El-Areed Street. BESHARA EL-KHOURY Tel: (961-1) 292870. Fax: (961-1) 292869. Banna & Sayrawan Bldg., Beshara El-Khoury Street. AJALTOUN Tel: (961-1) 664093. Fax: (961-1) 664096. Bou Shaaya & Khoury Center, El-Midane. Tel: (961-9) 234620. Fax: (961-9) 234439. BLISS Kanater Bldg., Bliss Street. ALEY Tel: (961-1) 361793. Fax: (961-1) 361796. Beshara El-Khoury Road (near Aley Club), Aley. EL-HORGE Tel: (961-5) 556902. Fax: (961-5) 558903. Khattab Bldg., Hamad Street. Tel: (961-1) 660636. Fax: (961-1) 660686. HADATH Boulos Brothers Bldg., Damascus El-Ain Square, Main Road. International Road. Tel: (961-5) 464050. Fax: (961-5) 471854. Tel: (961-5) 451452. Fax: (961-5) 953236. HARET HREIK BHAMDOUN Ahmad Abbas Bldg., Baajour Street, Main Road. Main Road. Tel: (961-5) 261285. Fax: (961-5) 261289. Tel: (961-1) 277270. Fax: (961-1) 547265.

BOURJ HAMMOUD JAL EL-DIB Mekheterian Bldg., Municipality Square. Milad Sarkis Bldg., Main Road. Tel: (961-1) 263325. Fax: (961-1) 265679. Tel: (961-4) 710393. Fax: (961-4) 710395.

BROUMMANA JBEIL Lodge Center, Main Road. Byblos Sun Bldg., Jbeil Roundabout. Tel: (961-4) 860163. Fax: (961-4) 860167. Tel: (961-9) 543890. Fax: (961-9) 543895.

DEKWANEH El-Nefaa, Main Road. Joseph Kassouf Bldg., Mar Youhanna Street. Tel: (961-1) 693790. Fax: (961-1) 693795. Tel: (961-1) 892674, 892698, 892701. Fax: (961-1) 892428. DORA – CITY MALL City Mall, Dora Highway. JEITA – ANTOURA Tel: (961-1) 884114. Fax: (961-1) 884115. Antoura Square. Tel: (961-9) 235257. Fax: (961-9) 235260. DORA – VARTANIAN Vartanian Center, Dora Highway. JOUNIEH Tel: (961-1) 250404. Fax: (961-1) 241647. La Joconde Center, Fouad Shehab Blvd. Tel: (961-9) 641660. Fax: (961-9) 644224. ELYSSAR Elyssar Main Road, Mazraat Yashouh. JOUNIEH – EL-SHIR Tel: (961-4) 913928. Fax: (961-4) 913932. Beaino Bldg., Notre Dame du Liban Hospital Street. Tel: (961-9) 638060. Fax: (961-9) 915511. La Rose Center, Main Road. Tel: (961-1) 879637. Fax: (961-1) 879641. KHALDEH Lebanese Commercial Mall, Saida Highway. FURN EL-SHEBBAK Tel: (961-5) 801988. Fax: (961-5) 806405. Joseph Jreissati Bldg., Damascus International Road. MANSOURIEH Tel: (961-1) 290713. Fax: (961-1) 282104. Kikano Bldg., Main Road. Tel: (961-4) 533610. Fax: (961-4) 533614. GHAZIR Haddad Bldg., Main Road, Kfarhebab. MREIJEH Tel: (961-9) 851720. Fax: (961-9) 856376. Mreijeh Plaza Center, Abdallah Yaffi Avenue. Tel: (961-1) 477980. Fax: (961-1) 477200. GHOBEYRI Hoteit Bldg., Shiyah Blvd., NACCASH – Mousharrafieh Square. Naccash – Dbayeh Highway, East Side. Tel: (961-1) 541125. Fax: (961-1) 272342. Tel: (961-4) 521671. Fax: (961-4) 521677. SOUTH Rabieh First Entrance, Street No. 5. ABRA Tel: (961-4) 405950. Fax: (961-4) 416105. Nhouli & Solh Bldg., Main Road. Tel: (961-7) 752267. Fax: (961-7) 752271. ROUEISS Hoteit Bldg., Hady Nasrallah Blvd. BENT JBEIL Tel: (961-1) 541146. Fax: (961-1) 541149. Ahmad Beydoun Bldg., Serail Square. Tel: (961-7) 450900. Fax: (961-7) 450904. SHIYAH Youssef Khalil Bldg., Assaad El-Assaad Street. MARJEYOUN Tel: (961-1) 541120. Fax: (961-1) 541123. Boulevard Hay El-Serail, Jdeidet Marjeyoun. Tel: (961-7) 831790. Fax: (961-7) 831794. SIN EL-FIL Hayek Street. SAIDA – EAST Tel: (961-1) 490301. Fax: (961-1) 510384. Dandashli Bldg., Eastern Blvd. Tel: (961-7) 751885. Fax: (961-7) 751889. Romeo & Juliette Bldg., Zalka Highway. SAIDA – RIAD EL-SOLH Tel: (961-1) 875124. Fax: (961-1) 900274. Wakf El-Roum Catholic Bldg., Riad El-Solh Blvd. ZOUK – ESPACE Tel: (961-7) 733750. Fax: (961-7) 724561. Vega Center, Zouk Mikhael Highway. Tel: (961-9) 210900. Fax: (961-9) 210897. TYRE ABBASSIEH Tyre North Entrance, Main Road, Abbassieh. NORTH Tel: (961-7) 741830. Fax: (961-7) 741835. AMYOUN Main Road. AL-ZAIDANIEH Tel: (961-6) 955600. Fax: (961-6) 955604. Al-Zaidanieh village, Main Road, Majdelyoun. Tel: (961-7) 724905. Fax: (961-7) 723639. HALBA Main Road. BEKAA Tel: (961-6) 692020. Fax: (961-6) 692024. JEB JANNINE Majzoub Bldg., Main Road. SHEKKA Tel: (961-8) 661488. Fax: (961-8) 661481. Main Road. Tel: (961-6) 545379. Fax: (961-6) 541526. ZAHLEH Beshwati Bldg., El-Boulevard. TRIPOLI – AZMI Tel: (961-8) 813592. Fax: (961-8) 801921. Fayad Bldg., Azmi Street. Tel: (961-6) 445590. Fax: (961-6) 435348. NOVO NETWORK

TRIPOLI – EL-BOHSAS CITY MALL Fattal Tower 1, El-Bohsas Blvd. City Mall, Dora. Tel: (961-6) 410200. Fax: (961-6) 410799. PALLADIUM DOWNTOWN Bank Audi Palladium Bldg., Bab Idriss. TRIPOLI – SQUARE 200 Akkad Bldg., Square 200. URUGUAY STREET Tel: (961-6) 448840. Fax: (961-6) 437383. Downtown, Beirut. ZAITUNAY BAY FRANCE Beirut Waterfront. Bank Audi France sa ZGHARTA North Palace Hotel, Kfarhata. 73, Avenue des Champs-Elysées. 75008 Paris, France. Tel: (33-1) 53 83 50 00. BEIRUT DIGITAL DISTRICT (BDD) Fax: (33-1) 42 56 09 74. Beshara El-Khoury Street. E-mail: [email protected] bankaudi.fr Audi Investment Bank sal JORDAN Bank Audi Plaza, Block B, Bab Idriss. Bank Audi sal - P.O. Box: 16-5110 Beirut - Lebanon. Tel: (961-1) 994000. Fax: (961-1) 999406. Jordan Branches E-mail: [email protected] Bldg. 26, Suleiman Al-Nabulsi Street, bankaudigroup.com Abdali, Amman. P.O. Box 840006 Amman. 11184, Jordan. Audi Private Bank sal Tel: (962-6) 4604000. Fax: (962-6) 4680015. Bank Audi Plaza, Block D, Bab Idriss, Beirut. E-mail: [email protected] P.O. Box: 11-1121 Beirut - Lebanon. bankaudi.com.jo Tel: (961-1) 954800, 954900. Fax: (961-1) 954880. IRAQ E-mail: [email protected] bankaudipb.com Bank Audi sal - Iraq Branches SOLIFAC sal Bank Audi Bldg., District 923, Al-Jadriya Zen Building, Charles Malek Avenue, Main Street, Baghdad. Ashrafieh. P.O. Box 2080 Al-Jadriya, Iraq. P.O. Box: 11-1121 Beirut - Lebanon. Tel: (964-772) 9768900. Tel: (961-1) 209200. Fax: (961-1) 209205. E-mail: [email protected] bankaudiiraq.com SWITZERLAND EGYPT Banque Audi (Suisse) sa 18, Cours des Bastions. Bank Audi sae P.O. Box: 384. 1211 Geneva 12, Switzerland. Pyramids Heights Office Park, Tel: (41-22) 704 11 11. Cairo-Alexandria Desert Road, Km 22, Fax: (41-22) 704 11 00. Sixth of October City. E-mail: [email protected] P.O. Box 300 El Haram. Postal Code 12556. bankaudipb.com Tel: (20-2) 35343300. Fax: (20-2) 35362120. E-mail: [email protected] Beirut bankaudi.com.eg Representative Office Bank Audi Plaza, Bab Idriss. P.O. Box: 11-2666 Beirut - Lebanon. Tel: (961-1) 977 544. Fax: (961-1) 980 535. SAUDI ARABIA UNITED ARAB EMIRATES Audi Capital (KSA) cjsc Bank Audi sal Centria Bldg., 3rd Floor, 2908 Prince Representative Office Mohammad Bin AbdulAziz Road (Tahlia). Etihad Towers, Tower 3, 15th Floor, Postal Address: Unit No. 28, Office 1503, Corniche Street. Ar Riyadh 12241-6055. P.O. Box 94409 Abu Dhabi, P.O. Box: 250744 Riyadh 11391 United Arab Emirates. Kingdom of Saudi Arabia. Tel: (971-2) 6331180. Fax: (971-2) 6336044. Tel: (966-11) 2199300. E-mail: Fax: (966-11) 4627942. [email protected] E-mail: [email protected] bankaudipb.com audicapital.com QATAR

Bank Audi LLC Qatar Financial Centre Tower, 18th Floor, Diplomatic Area, West Bay. P.O. Box: 23270 Doha, Qatar. Tel: (974) 44967365. Fax: (974) 44967373. E-mail: [email protected] bankaudipb.com MONACO Audi Capital Gestion SAM Monte-Carlo Palace, 3-9 Boulevard des Moulins. MC - 98000 Monaco. Tel: (377) 97 97 65 11. Fax: (377) 97 97 65 19. E-mail: [email protected] bankaudipb.com TURKEY Odea Bank A. . Odea Bank A.Ş. headquarters, Levent 199, Buyukdere Street, No. 199, Floors 33-39, 34394 Sisli, Istanbul. Tel: (90-212) 3048444. Fax: (90-212) 3048445. E-mail: [email protected] odeabank.com.tr RESEARCH DEPARTMENT BANK AUDI sal

Bank Audi Plaza, Bab Idriss P.O. Box 11-2560 Beirut - Lebanon Tel: (961-1) 994000. Fax (961-1) 985622. E-mail: [email protected] bankaudigroup.com