Byblos Bank SAL provides banking and insurance services. It operates through the following business segments: Retail Banking, Corporate Banking and Treasury & Capital Markets. The Retail Banking segment provides a range of products and services to meet the personal banking and consumer finance. The Corporate Banking segment provides a range of products and services to corporate and institutional customers, including loans and other credit facilities, deposits and current accounts, trade finance and foreign exchange operations. The Treasury & Capital Markets segment is responsible for the liquidity management and market risk of the group, as well as managing the group's own portfolio of stocks, bonds and other financial instruments. The company was founded in 1950 by Semaan Melkan Bassil, Joseph Melkan Bassil, Victor FerneinÃ©, FranÃ§ois S. Bassil and Fouad FerneinÃ© and is headquartered in Beirut, Lebanon.