Mission Byblos Bank Group is a universal financial institution that is focused on the domestic and regional markets while striving to offer world class services to the customer, value-creation to the shareholder, fulfillment to the employee, and economic benefits to the community it serves. Our values - Integrity - Customer focus - Respect for each other - Professionalism - Teamwork Byblos Bank Armenia will mainly focus its efforts on the development of the following services: Commercial banking Commercial services are rendered to middle market entities and large corporates starting with AMD 40 mln up to the maximum exposure per borrower, set by the legislation. Byblos Bank Armenia provides all the types of commercial services on the basis of a comprehensive financial and operational analysis of the business. The bank grants long-term loans for the acquisition of non-current assets, and revolving credit lines and overdrafts for working capital financing. The bank finances international trade (export/import) with the following instruments: letters of credit, letters of guarantee and standby letters of credit. Commercial services are provided in AMD, USD and EUR. Retail banking The bank intends to develop retail banking services, including traditional retail products as well as services that are new for the Armenian market. The bank will offer term and demand deposits, deposit certificates, different types of debit and credit cards, auto loans, housing and personal loans, as well as small business loans. The bank will continue to enlarge its branch network in Armenia and regional centres. The branch network will be aimed at the development of retail banking products..