Byblos Bank
Byblos Bank is a publicly listed Lebanese commercial bank founded in 1950, offering retail, SME, corporate, and capital markets banking across Lebanon, Belgium, and Iraq. It serves individuals and businesses through an extensive branch network, Smart ATMs, digital and mobile banking, and correspondent banking partnerships.
- Company typePublic
- Founded1950
- HeadquartersBeirut, Lebanon
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Byblos Bank does
Byblos Bank is a publicly listed Lebanese commercial bank founded in 1950, operating primarily from its Beirut headquarters (Elias Sarkis Ave., Ashrafieh) with a BDL-issued banking charter (List of Banks No.39). The bank operates through three legal entities: the parent Byblos Bank S.A.L. in Lebanon, Byblos Bank Europe in Belgium, and Byblos Bank S.A.L. in Iraq, serving retail, SME, corporate, and capital markets clients across the Middle East, Europe, and Africa via an extensive domestic branch network and an international correspondent banking network.
The bank's product platform is organized into four pillars: Personal Banking (Current, Fresh, Digital, Teen, and Wedding accounts; a tiered Visa debit and credit card portfolio including Infinite JetSet, Signature, Platinum, and Fresh variants; personal loans); Business Banking (multi-currency business accounts, SME loans, ATM Deposit Card, Visa Business Euro, and corporate financing for trade, manufacturing, real estate, and project finance syndication); Capital Markets (fixed income, equities trading across Lebanese, US, European, Canadian, and GCC markets via Bloomberg and Reuters, plus FX and precious metals); and Digital Banking (mobile app, Corporate Internet Banking, Smart ATM E-Branches offering 24/7 multi-currency deposits and withdrawals, and a Digital Account opened fully online). Underlying technology is conventional digital banking infrastructure with proprietary Smart ATM hardware and OTP-secured internet banking, rather than AI-native or cloud-native architecture.
Byblos Bank generates revenue primarily through interest income on lending (personal, housing, business, and corporate facilities), transaction and commission fees on accounts, wires, ATM withdrawals, and card usage, capital markets commissions on equities, fixed income, and FX trading, annual and transactional card fees, and trade finance revenue from letters of credit and guarantees. Pricing is published in multiple currencies (LBP, USD, EUR) with subscription, transaction-based, and freemium models. Distribution combines traditional relationship banking through dedicated corporate relationship managers and an extensive Lebanese branch footprint with self-serve digital channels and 24/7 multilingual call center support, targeting retail individuals, SMEs, large corporates in trade and real estate, and capital markets investors.
Byblos Bank firmographics
Firmographics- Name
- Byblos Bank
- Legal name
- Byblos Bank S.A.L.
- Website
- https://byblosbank.com
- Company type
- Public
- Founded year
- 1950
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Byblos Bank is a publicly listed Lebanese commercial bank founded in 1950, offering retail, SME, corporate, and capital markets banking across Lebanon, Belgium, and Iraq. It serves individuals and businesses through an extensive branch network, Smart ATMs, digital and mobile banking, and correspondent banking partnerships.
- Ownership category
- akta.pro rank
Byblos Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
Keywords
Where Byblos Bank is headquartered
LocationHeadquarters
- HQ city
- Beirut
- HQ country
- Lebanon
- HQ region
- Middle East
Offices3 records
Markets served
Byblos Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Core banking revenue from lending activities including personal loans, housing loans, business loans, and corporate financing facilities
- Transaction and Commission Fees: Fees from account maintenance, wire transfers, ATM withdrawals, card transactions, and trade finance services
- Capital Markets Revenue: Commissions from equities trading, fixed income investments, FX trading, and custody services
- Card Fees: Annual fees, transaction fees, and commissions from debit and credit card services including Visa Infinite, Visa Signature, Visa Platinum, and Visa Business cards
- Trade Finance Services: Revenue from letters of credit, documentary collection, guarantees, and international trade financing
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Visa Business Euro Card - Annual Fee |
| Transaction based/ take rate | Pay-as-you-go | Local Equities Trading Commission |
| Transaction based/ take rate | Pay-as-you-go | US Equities Trading Commission |
| Transaction based/ take rate | Pay-as-you-go | European Equities Trading Commission |
| Subscription | Multi-year contract | Custody Fees |
| Subscription | Annual | Visa Platinum LBP Credit Card - Daily Limit |
| Freemium | Monthly | Corporate Internet Banking |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels8 records
Byblos Bank product offering
Product offeringCore offering
Byblos Bank S.A.L. is a Lebanese universal bank providing retail, SME, corporate, and capital markets services through an extensive branch network, digital platforms, and international subsidiaries. Core offerings include current and savings accounts, debit and credit cards, personal and business loans, trade and project finance, FX/equities/fixed income trading, and 24/7 digital banking channels including mobile and internet banking.
Product overview
Byblos Bank offers a comprehensive banking platform organized into four core pillars: Personal Banking (retail accounts, cards, loans, and special packages for individuals), Business Banking (business accounts, SME banking, and corporate banking covering trade, real estate, project finance, and international trade finance), Capital Markets (fixed income, equities, and FX & precious metals trading), and Digital Banking (mobile app, internet banking, corporate internet banking, E-Branches, and call center). The product portfolio spans multiple account types (Current, Fresh, Digital, Teen, Wedding), over a dozen Visa-branded debit and credit cards (including Infinite JetSet, Signature, Platinum, Classic, Teen, and Fresh variants), personal and business loans, the Akram Loyalty Program, Safe Box services, and Business Solutions Packages. Digital channels serve as the primary engagement layer across all banking segments, with SME-specific cards (ATM Deposit Card, Visa Business Euro) and corporate trade finance capabilities rounding out the offering.
Differentiator
Problem solved
Functional benefit
Brands
- Akram Loyalty Program: A loyalty rewards program offered to Byblos Bank cardholders, enabling accumulation and redemption of points and miles.
- Smart ATMs
- E-Branches
- Byblos Bank Mobile Banking
- Corporate Internet Banking (CIB)
- ByblosPay
Quantifiable outcome
- 24/7 customer service availability
- +2 more outcomes
Companies that use Byblos Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Byblos Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
Byblos Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- VisacoreByblos Bank issues payment cards under the Visa brand including Visa Infinite JetSet, Visa Signature, Visa Platinum, and Visa Business cards. The partnership enables international payment acceptance and card benefits.
- MasterCardcoreByblos Bank partners with MasterCard for payment card processing and acceptance, enabling card transactions at ATMs and merchants worldwide.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Byblos Bank competitors and assessment
Company assessmentDirect peers
- Bank Audi: Bank Audi is Lebanon's largest privately held bank, offering retail, SME, corporate, and private banking services through a comparable branch and digital model. It directly competes with Byblos Bank for Lebanese deposit, lending, and trade finance share.
- BLOM Bank: BLOM Bank is a leading Lebanese commercial bank with retail, corporate, and treasury operations and a regional presence. It competes directly with Byblos Bank across the same customer segments in Lebanon and selected MENA markets.
- Banque Libano-Française: Banque Libano-Française is a mid-sized Lebanese commercial bank providing retail, SME, corporate, and trade finance products. Its product mix, branch-led model, and Lebanese market focus make it a close comparable to Byblos Bank.
- Fransabank: Fransabank is a privately held Lebanese bank with retail, SME, and corporate banking offerings and a branch network across Lebanon. It competes head-to-head with Byblos Bank for Lebanese commercial and retail customers.
- Société Générale de Banque au Liban (SGBL): SGBL is a Lebanese universal bank offering retail, SME, and corporate banking with an affiliated insurance arm. It is comparable to Byblos Bank in scale, geographic footprint, and product breadth within Lebanon.
- Credit Libanais: Credit Libanais is a Lebanese commercial bank with retail, SME, and corporate banking services. It targets a similar customer base as Byblos Bank and operates within the same Lebanese regulatory framework.
- Bank of Beirut: Bank of Beirut is a Lebanese commercial bank with retail, corporate, and treasury services and a regional presence. It competes with Byblos Bank for Lebanese and MENA corporate and retail clients.
- Bank Med (Banque du Liban et d'Outre-Mer): BankMed is a major Lebanese bank offering retail, corporate, and private banking services with regional subsidiaries. It is directly comparable in scale and product mix to Byblos Bank within the Lebanese market.
Broad incumbents
- Arab Bank: Arab Bank is a large regional MENA commercial bank with corporate, trade finance, and treasury capabilities. It overlaps with Byblos Bank's corporate and correspondent banking activities across the Middle East and Africa.
- Standard Chartered Bank Lebanon: Standard Chartered operates in Lebanon with a focus on corporate, trade finance, and priority banking. While its global franchise is much larger, its Lebanese subsidiary competes directly with Byblos Bank for corporate and affluent retail segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Byblos Bank social profiles
Digital presenceByblos Bank compliance and trust
Trust signalCompliance1 record
Byblos Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Byblos Bank leadership team
Management profileNumber of profiles
Profiles16 records
Byblos Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
Byblos Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Byblos Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Byblos Bank
What does Byblos Bank do?
Byblos Bank S.A.L. is a Lebanese universal bank providing retail, SME, corporate, and capital markets services through an extensive branch network, digital platforms, and international subsidiaries. Core offerings include current and savings accounts, debit and credit cards, personal and business loans, trade and project finance, FX/equities/fixed income trading, and 24/7 digital banking channels including mobile and internet banking.
Is Byblos Bank a public or private company?
Byblos Bank is a public company. It is classified as public and is currently operating.
When was Byblos Bank founded?
Byblos Bank was founded in 1950. It employs 1,001 to 5,000 people.
Where is Byblos Bank based?
Byblos Bank is headquartered in Beirut, Lebanon, in the Middle East region.
How does Byblos Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are transaction and Commission Fees, capital Markets Revenue, card Fees and trade Finance Services.
Who are Byblos Bank's main competitors?
Direct peers on record are Bank Audi, BLOM Bank, Banque Libano-Française, Fransabank, Société Générale de Banque au Liban (SGBL), Credit Libanais, Bank of Beirut and Bank Med (Banque du Liban et d'Outre-Mer). Broad incumbents are Arab Bank and Standard Chartered Bank Lebanon.
Does Byblos Bank have an API?
No public API is recorded for Byblos Bank.
What industry is Byblos Bank in?
Byblos Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6022.