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Byblos Bank

About Us

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Byblos Bank is Your Bank For Life because we truly care about what matters most to you and want to empower you so you can better manage your finances. As a full-service financial institution, we offer you world-class support, provide our employees with fulfilling careers, and empower communities with economic benefits. A leading bank in Lebanon with a solid presence in strategic countries on three continents, we are an invaluable partner for your endeavors. Through our overseas subsidiaries, we also give you access to commercial banking and other financial activities in Europe and the MENA region. Our long record of helping clients manage their affairs, even at the most difficult times in the most challenging environments, speaks for itself. 

The power and versatility Byblos Bank offers you is the result of values associated with traditional banking: a conservative approach to risk; total commitment to the overlapping interests of our customers, investors, and employees; and real faith in the virtues of hard work. Upholding these values drives us to continually update our products and services to meet your diverse and evolving needs. 

Our Brand and Our Values

At Byblos Bank, “Your Bank For Life” is more than just a marketing slogan. It’s a philosophy that shapes everything we do for you.  

We have built everything we are on the experiences of all your yesterdays, the beliefs and concerns you’ve carried with you, and the milestones that have brought you where you are today. We continue to grow by catering to your present reality – the simple things in life, the harder moments, and the promise that every minute holds. We evolve by addressing the dreams you have for tomorrow, your future, everything you’ve worked so hard for, and all the discoveries that await you. Understanding what matters most to you gives us purpose and is at the heart of what we do every single day.

We believe in providing real banking for real life, and we achieve this by always remaining true to our values:

  • Integrity
  • Performance
  • Customer Focus
  • Teamwork
Corporate Governance

Our History

With roots dating back to 1950, Byblos Bank welcomed its first banking clients in 1963 in Jbeil, Lebanon. What was to become the Byblos Bank Group rapidly evolved into a leading financial institution focused on offering services and products that make a difference to your life and help you take charge of your finances. To serve your needs, today we have an extensive network of subsidiaries, representative offices and branches across Lebanon and in several countries, including Armenia, Belgium, Cyprus (Sold in 2021), France, Iraq, Nigeria, the United Arab Emirates (Closed in 2022), and the United Kingdom.

Major highlights over the years have helped make us Your Bank For Life. From day one, we have been evolving to better empower you with services, products and the financial knowledge you really need to make the most of your present and your future. 

  • 1950

    Establishment of Société Commerciale et Agricole Bassil Frères and Co., engaged in natural silk and leather tanning and agricultural credit activities.

  • 1961

    Company’s name changed to Société Bancaire Agricole (Byblos) Bassil Frères and Co.

  • 1963

    Company’s name changed to Byblos Bank S.A.L. and registration with Central Bank of Lebanon.

  • 1976

    Establishment of Byblos Bank Europe in Brussels (branches in Paris and London).

  • 1980

    Opening of Byblos Bank Europe’s Paris Branch.

  • 1981

    Opening of Byblos Bank Europe’s London Branch.

  • 1983

    Establishment of Adonis Insurance and Reinsurance Company S.A.L. (ADIR).

  • 1984

    Byblos Bank S.A.L. opens its first-ever overseas branch, in Limassol, Cyprus (Sold in 2021).

  • 1997

    Acquisition of Banque de Beyrouth pour le Commerce; listing of 30% of shares on Beirut Stock Exchange.

  • 1998

    Full integration of the subsidiary in Europe as Byblos Bank Europe S.A.

  • 1999

    Acquisition of Bank of Nova Scotia's Lebanon branch.

  • 2000

    Acquisition of Wedge Bank Middle East's Lebanon branch; acquisition of assets of ING Barings' Lebanon branch.

  • 2002

    Acquisition of assets and liabilities of ABN AMRO Bank N.V.'s Lebanon branch.

  • 2003

    Opening of Byblos Bank Africa in Khartoum, Sudan. (Deconsolidated as of 31 December 2016)

  • 2005

    Opening of Representative Office in Abu Dhabi, U.A.E (Closed in 2022); opening of Byblos Bank Syria S.A. (Deconsolidated as of 31 December 2016)

  • 2006

    Commencement of Byblos Bank S.A.L. operations in Erbil, Iraq.

  • 2007

    Acquisition of 100 percent stake in Armenia’s International Trade Bank C.J.S.C., renamed Byblos Bank Armenia C.J.S.C. in 2008.

  • 2008

    Opening of 75th branch of Byblos Bank S.A.L. in Lebanon; acquisition of Unicredit Banco Di Roma’s Lebanon branch.

  • 2009

    Listing on the London Stock Exchange; opening of Representative Office in Nigeria.

  • 2010

    Acquisition of 66.7% stake in Solidaire Banque Internationale, a bank incorporated in the Democratic Republic of the Congo, now renamed as Byblos Bank RDC S.A. (Divested in 2018).

  • 2011

    Issuance of USD 300 million in Byblos Bank ten-year Eurobonds; opening of Byblos Bank Africa Khartoum Tower; Byblos Bank S.A.L. increased its share in Byblos Bank Syria from 41.5% to 52.37%.

  • 2012

    Issuance of USD 300 million in 6.5% convertible fiduciary notes due in 2022.

  • 2013

    Introduction of first biosourced debit and credit cards in the Middle East.

  • 2014

    Introduction of Mobile Banking App and smart ATMs.

  • 2016

    Acquisition of Banque Pharaon and Chiha, Lebanon’s oldest bank (established 1876); rollout of ByblosPay, Lebanon’s first NFC Mobile Payment App with advanced HCE technology. Deconsolidation of both Byblos Bank Africa and Byblos Bank Syria S.A. as at end-December 2016.

  • 1964

    Company was duly registered in the records of Trade Register in conformity with the Lebanese Code of Commerce.

Network and Structure

Byblos Bank has established a considerable international presence over the years, following Lebanon’s famously intrepid businesspeople as they seek out new opportunities overseas. We now operate in 10 countries, tailoring the size and shape of our presence in each to match local market conditions and meet the needs of our customers. The result is a growing constellation of Byblos Bank S.A.L. branches and representative offices abroad, as well as several subsidiary banks and insurance companies that enjoy independent identities while still benefiting from the advice and support of our Headquarters in Lebanon.

Representative Office


Branch 

 Iraq


Group Chart

Business Lines

Byblos Bank offers a wide range of products and services that meet your needs, simplify your life, and help your company prosper.
Discover our business lines:
Major Correspondent Banks

Social and Environmental Policy

At Byblos Bank we want to play a meaningful role in your life. This is why we strive to preserve the environment for future generations, actively spread culture, and provide education for our country’s youth. To help make this happen, we focus on these priorities in our corporate decision-making and in our governance procedures. We want to help you and your community to develop sustainably, and this means evaluating and managing the environmental and social impacts of every policy, product, and initiative we undertake. This also assists us in pinpointing environmental and social opportunities for you.
Byblos Bank complies with all applicable environmental and social laws and regulations, and always adopts relevant local and international best practices. We monitor our customers’ performance and do not form work relationships with individuals or firms involved in activities on our exclusion list. We also ensure that all our stakeholders understand how important environmental and social issues are to us as an institution. Our communication strategy focuses on promoting this commitment and raising awareness about our Corporate Social Responsibility (CSR). We also actively involve our team in our social and environmental policies and procedures.
Download Byblos Bank’s Social and Environmental Policy

France
Paris:
- Natixis*

 

Germany
Frankfurt:
- Commerzbank AG*
- Deutsche Bank AG*

 

Italy
Milano:
- Unicredit SpA*
- Intesa Sanpaolo SpA*

 

Japan
Tokyo:
- Sumitomo Mitsui Banking Corporation*

 

Kuwait
Kuwait City:
- National Bank of Kuwait SAKP*

 

Norway
Oslo:
- Dnb Bank ASA*

 

Qatar
Doha:
- Qatar National Bank (Q.P.S.C.)*

 

Saudi Arabia
Jeddah:
- Saudi National Bank*
- Saudi Fransi Bank*

 

Spain
Alicante:
- Banco de Sabadell SA*


Sweden
Stockholm:
- Skandinaviska Enskilda Banken AB*

 

U.A.E.
Dubai City:
- Emirates NBD PJSC*
- MashreqBank PSC*
Abu Dhabi:
- First Abu Dhabi Bank P.J.S.C.*

 

U.K.
London:
- Barclays Bank PLC*
- Standard Chartered Bank*

 

U.S.A.
New York:
- Citibank NA*
- Standard Chartered Bank*
- The Bank of New York Mellon*
- JP Morgan Chase Bank*

 

*Byblos Bank S.A.L. maintains NOSTRO account(s) with this bank
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Byblos Bank S.A.L., Byblos Bank Headquarters, Elias Sarkis Ave., Ashrafieh, Beirut

List of Banks No.39, CRB:14150, BDL Authorization No. 11/231 Dated 14 May 2005

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