BYBLOS BANK EUROPE

Byblos Bank Europe SA is a Belgium-based credit institution and subsidiary of Byblos Bank SAL (Lebanon), headquartered in Brussels and focused on corporate banking, trade finance, and private banking for clients engaged in cross-border transactions between Europe and the Middle East/Africa. It is licensed and supervised by the National Bank of Belgium and subject to EU prudential and conduct rules; eligible deposits are covered by Belgium’s deposit guarantee scheme up to EUR 100,000 per depositor per bank. The product set typically includes multicurrency current and term deposit accounts, SEPA and SWIFT payments, letters of credit, documentary collections, standby LCs and guarantees, trade-related lending, treasury and foreign exchange services, and cash management. The bank targets corporates, financial institutions, and professional or high-net-worth clients; onboarding involves standard and enhanced due diligence aligned with AML, sanctions, FATCA, and CRS requirements, which can restrict access for certain jurisdictions or activities. Digital access is available for payments and reporting, while card and ATM features and branch coverage are limited compared with mainstream retail banks. Pricing is relationship-based, with fees for account maintenance, payments, and trade instruments, and with FX and credit margins; deposit and term rates vary by currency, tenor, and market conditions. Public disclosures comprise audited financial statements and Pillar 3 reports, outlining capital and liquidity metrics under CRR/CRD and risk exposures related to trade finance counterparties, market movements in FX and interest rates, and concentration in specific corridors, managed within Belgian regulatory requirements. The institution primarily serves businesses and professional clients looking for a eurozone banking counterparty for trade and treasury needs rather than a full-scope retail offering.