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International Presence

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Byblos Bank S.A.L. – Iraq Branches

Byblos Bank S.A.L. became the first Lebanese bank to open a branch in Erbil, the capital of Iraqi Kurdistan, on 16 May 2007, extending world-class services to both local and international companies and individuals.

On 1 February 2010, Byblos Bank opened a main branch in Baghdad in order to serve clients in the national capital.

On 12 March 2012, Byblos Bank opened its third Iraqi branch in Basra to extend its high-quality products and services to new clients in one of the country’s most important cities.

On 9 December 2015, Byblos Bank opened a fourth branch in Iraq, and its second in the Kurdistan Region, in the city of Sulaymaniyah.

Byblos Bank’s activities in Iraq comprise business and personal banking services, including transfers and trade finance (letters of credit, letters of guarantee, and documentary collections). In addition, Byblos Bank operates a referral business from other international banks.

As with all Byblos Bank S.A.L. branches in Lebanon and abroad, the Iraq branches’ operations are centralized at the Group’s Head Office in Beirut and therefore benefit from all the experience, expertise, and state-of-the-art practices that our customers have come to expect.

 

PRODUCTS

الرجاء الضغط هنا للاطلاع على المنتجات المصرفية باللغة العربية

 

ACCOUNTS

 

Current/Checking (for individuals and companies)

Documents Required

Individual Iraqi citizens: copy of ID + salary attestation
Individual non-Iraqi citizens: copy of passport + residency card + salary attestation

Companies: copy of ID (Iraqi citizens) OR passport and residency card (non-Iraqi citizens) for authorized manager(s) + legal documents of the company

 

  • All clients are subject to compliance clearance measures prior to opening an account
  • For companies: Legal documents should be newly certified from commercial register
  • For companies: All shareholders with stakes of 10% or more must provide “Know Your Customer” information
Term Deposit (for individuals and companies)

Documents Required

Individual Iraqi citizens: copy of ID + salary attestation
Individual non-Iraqi citizens: copy of passport + residency card + salary attestation

Companies: copy of ID (Iraqi citizens) OR passport and residency card (non-Iraqi citizens) for authorized manager(s) + legal documents of the company

  • All clients are subject to compliance clearance measures prior to opening an account
  • Minimum initial deposit: USD 20,000
  • Credit interest rate ranges between 1.5% and 4% on USD, depending on deposit amount and period
  • Credit interest rate ranges between 0.5% and 4.5% on IQD, depending on deposit amount and period
  • For companies: legal documents should be newly certified from commercial register
  • For companies: all shareholders with stakes of 10% or more must provide “Know Your Customer” information
Salary Domiciliation (for individuals and companies, both private and public sectors)

Documents Required

Individual Iraqi citizens: copy of ID
Individual non-Iraqi citizens: copy of passport + residency card

Companies: Copy of ID (Iraqi citizens) OR passport and residency card (non-Iraqi citizens) for authorized manager(s) + legal documents of the company

  • All clients are subject to compliance clearance measures prior to opening an account
  • For companies: legal documents should be newly certified from commercial register
  • For companies: all shareholders with stakes of 10% or more must provide “Know Your Customer” information
  • Companies and individual clients holding salary domiciliation accounts have access to all Byblos Bank banking products and services at discounted rates

 

CARDS

 

Debit Card (for individuals)

Documents Required

Iraqi citizens: Copy of ID
Non-Iraqi citizens: Copy of passport

  • Client should have a private (not joint) account at Byblos Bank
  • Types of cards: Mastercard Titanium Debit and Mastercard Platinum Debit
Credit Card (for individuals)

Documents Required

Iraqi citizens: Copy of ID + salary attestation
Non-Iraqi citizens: Copy of passport + salary attestation

  • Client should have a private (not joint) account at Byblos Bank
  • Types of cards: Mastercard Titanium Credit, Mastercard Platinum Credit, Visa Infinite Credit
  • Cash guarantee required
  •  

Prepaid Internet Card (for individuals)

Documents Required

Iraqi citizens: Copy of ID
Non-Iraqi citizens: Copy of passport

  • Client should have a private (not joint) account at Byblos Bank

RETAIL LOANS


Personal Loan
Documents Required
Click here to download the checklist

  • Life insurance fees and stamp fees are applied
  • Expert fees are applied for mortgages
  • Personal guarantee and/or mortgage required, depending on the loan amount
Doctors Loan
Documents Required
Click here to download the checklist

  • Life insurance fees and stamp fees are applied
  • Expert fees are applied for mortgages
  • Personal guarantee and/or mortgage are required, depending on the loan amount
Cash Collateral
Documents Required
Click here to download the checklist
  • Stamp fees are applied

ONLINE BANKING


Corporate Internet Banking (for companies)
Documents Required

Iraqi citizens: Copy of ID
Non-Iraqi citizens: Copy of passport for authorized users


  • Legal documents of the company; to be newly certified from commercial register
  • Client should have an account at Byblos Bank

 

Note: The Bank reserves the right to accept or reject any application. Interest rates, fees, commissions, and benefits are subject to change

Headquarters

Address and Contact Information

Street 60 – Near Sports Stadium, Erbil, Kurdistan Region, Iraq

PO Box 34-0383 Erbil, Iraq
Phone: +964 750 7377464, +964 750 7377454

Baghdad Branch

Address and Contact Information

Al Karrada, Salman Faeq Street, Al Wahda District, No. 904/14 – Facing Al Shuruk Bldg., PO Box 3085 Baghdad, Badalat Al Olwiya
Phone: +964 780 9133031/2, +964 782 7835508/9
Email: baghdadbranch<at>byblosbank.com
Swift: BYBAIQBABAG
Opening hours: 8:00 to 15:00 from Sunday to Thursday. The branch is closed on Friday and Saturday.

Contact People

Mr. Hassan Sabbagh (Branch Manager)

Mr. Johnny Saab (Assistant Branch Manager)

Erbil Branch

Address and Contact Information

Street 60 – Near Sports Stadium, Erbil, Kurdistan Region, Iraq,
Phone: +964 66 2560017/9, +964 2233457/8/9, +964 750 7377454, +961 7377464, +964 751 1205050

PO Box 34-0383 Erbil, Iraq
Email: erbilbranch<at>byblosbank.com
Swift: BYBAIQBA
Opening hours: 8:00 to 17:00 from Sunday to Wednesday and 8:00 to 15:00 on Thursday. The branch is closed on Friday and Saturday.

 

Contact People

Ms. Lara Azamat (Branch Manager)
Mr. Joseph Atallah (Assistant Branch Manager)

Basra Branch

Address and Contact Information

July 14th Street, Manawi Basha Region, Next to Qaser Al Sultan Hotel, Al Basra – Iraq
Phone: +964 770 4931900, +961 770 4931919, +964 780 9177088/9
Email: basrabranch<at>byblosbank.com
Swift: BYBAIQBABAS
Opening hours: 8:00 to 15:00 from Sunday to Thursday. The branch is closed on Friday and Saturday.

Contact People

Mr. Ali El Husseini (Branch Manager)

Mr. Georges Merhej (Assistant Branch Manager)

Sulaymaniyah Branch

Address and Contact Information

Salem Street – Kurdistan Mall, near Ramada Hotel, Sulaymaniyah – Kurdistan Region – Iraq
Phone: +964 773 0411010, +964 773 0421010, +964 773 0431010, +964 773 0441010
Email: sulaymaniyahbranch<at>byblosbank.com
Swift: BYBAIQBASUL
Opening hours: 8:00 to 17:00 from Sunday to Wednesday and 8:00 to 15:00 on Thursday. The branch is closed on Friday and Saturday.

Contact People

Mr. Michel El Amm (Branch Manager)

Mr. Cesar Nader (Assistant Branch Manager)

Management

  • Mr. Jean Bassil
    Country Manager
  • Ms. Hanadi Naccache
    Deputy Country Manager and Head of Support Functions
  • Mr. Jad Ghattas
    Head of Corporate Banking – Erbil and Sulaymaniyah
  • Mr. Pascal Gerios
    Head of Corporate Banking – Baghdad and Basra
  • Mr. Toros Sajian
    Head of Finance and Administration
  • Mr. Cesar Chaaya
    Head of Retail Banking