ADIR Insurance is continuously in quest of development and improvement. Therefore, it is backed by 2 well-built shareholders of high standards, Byblos Bank and Natixis Assurances-France.

Byblos Bank

Established in Byblos-Lebanon in 1950, Byblos Bank Group is a leading universal financial institution focused on domestic and selective regional markets while striving to offer world-class service to customers, value-creation to shareholders, fulfillment to employees, and economic benefits to the communities in which it operates. Throughout more than 55 years of growth, Byblos Bank Group was able to expand with the largest best-spread network of 73 branches in Lebanon, and with a strategic presence in Europe and Africa. To date, the Bank counts 4 subsidiaries: Byblos Bank Europe (Brussels, Paris, London), Byblos Bank Africa (Khartoum, Sudan), Byblos Bank Syria (5 branches), and another one in Armenia where Byblos Bank acquired a 100% stake in ITB Armenian bank in September 2007, 2 overseas branches: Limassol, Erbil (Iraq) and one representative office in Abu Dhabi.

The Bank’s aggressive expansion plan was coupled with a sharp concern to apply best banking practices and operational excellence focusing on implementing corporate Governance, Basel II requirements and other international standards.

Byblos Bank operates through 4 major lines of business: Consumer Banking, Commercial Banking, International Banking and Financial Markets.

Natixis Assurances – France

Natixis Assurances is a holding company grouping together various insurance subsidiaries, targets customers of the Banque Populaire and Credit Maritime networks. Since November 2006, it has been a subsidiary of Natixis.

Natixis Assurances offers a broad range of products for individuals in life insurance, health insurance, personal risk insurance and property & casualty insurance. It also has a comprehensive range of professional insurance policies.

In 2006, Natixis Assurances-currently sixth largest Bancassurer in life insurance in France with assets under management of over 27 billion Euros-has established itself as a key market player.

Natixis Assurances is present in Luxembourg, Italy, Tunisia and Lebanon.

2006 Key Figures: