Banking in Lebanon

Bml Banque Misr Liban

Welcome to BML, a dynamic financial institution that combines a long tradition in Lebanon’s banking sector with a modern corporate culture of excellence in service, loyalty, integrity, transparency, and professionalism. We today are poised to continue the long tradition within the banking sector, offering a full range of corporate, private, commercial, and retail banking through its network of 18 branches strategically located in the major cities and regions of Lebanon, and supported by a network of ATM machines. VALUES, MISSION & VISION -WE are building a better bank day by day and improving our skills and capabilities to provide the best experience to our customers -WE value the trust of our customers and stakeholders and work hard to earn it by being totally transparent in all actions and policies -WE are accountable to our customers, stakeholders, co-workers, the regulatory authorities and the community in all that we do -WE believe that the basis for success is a great team -WE are committed to supporting our community in all its causes and concerns Our Mission As a Lebanese commercial bank and subsidiary of Banque Misr, a leading Egyptian bank, we are dedicated to provide quality financial services to our customers. Our Vision We aim to be the preferred bank of our customers and to become a leading regional bank.

201 to 500 staff

Bsl Bank

With over 155 years of banking history and expertise, BSL BANK has lent, protected and invested money for its clients and customers over generations. BSL BANK is a mid-sized Lebanese bank, operating in Lebanon. Our development is based on three core activities: Retail Banking, Commercial Banking and Treasury and Capital Markets. Our strategy focuses on the needs of our customers, which are central to the development of products and financial solutions. Our long-term strategy however, rests on our responsibility as bankers to assist our clients in their financial decisions and help them to avoid over-indebtedness, and drive productive investments. This strategy has helped the Bank to build a strong reputation as a highly trusted Bank with a conservative risk appetite and disciplined policy. As a mid-sized Bank, our skilled human capital gives us the advantage of flexibility, the dynamics of innovation, and a high responsiveness capacity. Driven by our values built around the importance of ethics, professionalism, care and transparency, we serve all of our parties and clients in the most honest, professional way, building strong, meaningful and sustainable relationships.

201 to 500 staff

Byblos Bank Group

Byblos Bank is one of the leading banks in Lebanon, and, increasingly, an invaluable partner for individuals and companies whose business takes them to other countries in Europe, Asia and Africa. Byblos Bank Group is a full-service financial institution that focuses on the domestic and regional markets while striving to offer world-class services to its customers, fulfillment to its employees, and economic benefit to the communities it serves. Established in Jbeil, Lebanon, in 1950, the Byblos Bank Group is a leading financial institution focused on domestic and selected overseas markets. Byblos Bank now has an extensive branch network spread evenly across Lebanon. The Group currently operates in Armenia, Belgium, France, Iraq, Lebanon, Nigeria, the United Kingdom.

501 to 1000 staff

Cedrus Bank Sal

Since its founding in 2015, Cedrus Bank has grown into a full-fledged financial institution, catering to both individuals and corporations across Lebanon and the region. Today, being one part of one of the fastest growing banking groups in Lebanon, Cedrus Group, it offers clients a full suite of Commercial and Retail banking services, online banking facilities, as well as a diverse range of financial credit facilities, covering mortgages, cars loans, the creation and expansion of business ventures, as well as personal loans. In 2017, Cedrus Bank grew its operations, offering clients mobile and online banking services. The network and reach of the Bank was further strengthened across thousands of point-of-sales terminals found in stores all over Lebanon, as well as strategic partnerships with local payment solution providers, for customers to settle payments in over 900 locations. Cedrus Bank’s complete range of Commercial and Retail banking services, include: Current and Savings Accounts Housing Loans Mortgage Loans Personal Loans Credit Cards Car Loans Investments Bancassurance Fiduciary Accounts Overdraft Facilities Term Loans Re-financing of Goods Project Financing Subsidized Loans Kafalat Loans Commercial Property Loans Cedrus Bank adopts a customer-centric approach, placing the interests and convenience of its clients at the core of its business model. As a result, to deliver on this promise, the Bank’s focus is on developing its values of trust, quality, transparency, innovation and diversity, through its workforce and offerings, with alternative delivery channels including smart ATMs, Internet Banking, Mobile Banking & direct sales.

201 to 500 staff

Credit Card Management S.A.L Ccm

Founded in 1994, CCM has grown to become one of the most dynamic leaders of the card industry in Lebanon and the Middle East, delivering quality service and ensuring high standards of value and security, for banks, institutions, and merchants across the country while handling the full range of card business activities: strategic planning, issuing, account processing, authorization of payments, innovation of loyalty programs and co-branding schemes in various set ups and telecommunication environments. With the support of its principal shareholders, CCM is currently managing the first and largest merchant network equipped with point of Sale terminals (POS), thus servicing a multitude of international and local cards and connecting Lebanon to international payment systems such as Visa, MasterCard and American Express. Moreover CCM maintains its leading place in the country for upgrading its POS terminals to comply with the EMV standards (VSDC for Visa and MChip for MasterCard). Steered by dedicated professionals, CCM delivers a complete card solution, starting with Strategic Consulting and Business Planning, to Card Program Development, Loyalty Programs, Issuing and Acquiring, Smart Card Technological innovations and POS services, based on the latest in high-tech equipment and programs, elaborated in strategic alliances with international card industry leaders.

51 to 200 staff

Investment And Capital Bank

Founded in 1994 and regulated by Banque du Liban (BDL) since 1996 as a financial institution, I&C Bank has become over the years one of Lebanon’s leading investment firms in the fields of Investment Banking, Wealth Management and Capital markets Today, FFA Private Bank Group operates from its headquarters in Beirut and in Dubai (DIFC) and is one of the region’s leading specialized banks with a consolidated shareholders’ equity in excess of USD 44 million and over USD 1.5 billion in total assets under management The leading private bank in the Middle East, covers a spectrum of services in the fields of Capital Markets, Asset Management, Investment Banking, in addition to Real Estate Investment services. I&C Bank caters to affluent individuals and their families, Corporations and Financial Institutions in the MENA region.

51 to 200 staff

Banque De L'habitat

Banque de l’Habitat was established as a Lebanese joint-stock company by virtue of decree No 14 dated 10/1/1977 amended by the law No.283. It is a mixed company between the Lebanese Government and the Private Sector (Bank’s, insurance companies, individual investor). Its total paid up Capital was set up to 50 Billion LBP (80% owned by the private sector & 20% by the public sector). Banque de l’Habitat is a member of the Association of Banks in Lebanon and it appears on the list of Banks under No 41. Ever since its establishment, the Bank complies with the Collective Labor Agreement rules & conditions. Banque de l’Habitat grants long-term housing loans in Lebanese Pounds, and manages the portfolio of Foreign Worker’s Certificates of Deposit as per decree No 283 dated 30/8/1993. The Bank’s main mission is to lend individuals especially those who have limited or average income, in order to buy a house, build their own, renovate it accomplish it, expand it, or ameliorate it, as well as to finance the housing cooperatives. Banque de l’Habitat manages public & private funds that aim particularly at financing operations of housing loans, especially those that form a benefit for categories specified in the housing law, provided that it takes into consideration the loaner’s terms, if there are any. Banque de L’Habitat grants long term Housing loans to all Lebanese citizens whether resident or not. The main characteristics of a housing loan at Banque de L’Habitat are as follows: 1. The maximum loan amount is 2. The interest rate is fixed throughout the loan period. Housing Loans approval are generally granted within 24 hours from the Interview date & are open to all Lebanese citizens, whether working in Lebanon or abroad. Housing loans contracted by Banque de L’Habitat customers are exempted from real estate mortgage fees whenever the mortgage is registered & or lifted.

51 to 200 staff

First National Bank S.A.L

First National Bank S.A.L. is among the leading banking institutions operating in Lebanon, classified among the alpha group banks, with a nationwide network of 18 branches & 8 standalone ATM’s covering major areas in Lebanon. The bank’s headquarters is located in the heart of Beirut’s Central District. Founded in 1994, FNB conducts commercial, retail, finance & investment banking activities throughout the Middle East by offering a wide range of innovative products & banking services. The acquisition of FNB Capital (previously Middle East Capital Group Ltd - MECG) in 2008 & Capital Finance Company s.a.l- CFC in 2010 boosted & enhanced the development of the group’s network which created opportunities worldwide & in the MENA region. FNB currently owns 98.9% of FNB Capital's shares and 100% of CFC’s shares. These subsidiaries have enriched the Group’s activities in the marketplace. Additionally, in June 2014 the European Investment Bank & FNB signed a partnership agreement whereby EIB will be a holder of preferred shares with an option to become Common Shareholders within the coming 7 years. To enhance its accountability, FNB has adopted a code of conduct defining superior professional ethics. One of these changes involved a new corporate governance structure that provides an effective coordination between senior management autonomy and board control. Accordingly, the board has delegated a number of assignments through the creation of committees to increase culpability, transparency & internal controls. In an effort to improve its services, the bank is in process of developing advanced banking technology with a highly qualified & motivated workforce; FNB's employees are at the disposal of our clients in an endeavor to provide proficient service. By end of 2014, FNB acquired Corporate Finance House Group, which provides specialist financial advisory services for debt & equity private placements.

201 to 500 staff

International Payment Network

The international Payment Network S.A.L.(IPN) is a private company founded in 1996 and is currently owned by: • Banque du Liban et d’Outre Mer • Bank Audi • Fransabank • Credit Libanais • Byblos Bank IPN is the first leading network in Lebanon for payment by means of Automated Teller Machines. The company currently processes a group of 18 banks operating in Lebanon covering 789 ATMs spread all over the country regions ensuring different banking services such as- Withdrawals, balance inquiry, Mini-statement Print, Bill payment, Cash Deposit and Transfer from Account to Account. All transactions are offered with Currency Selection (Lebanese Pounds and US Dollars) and real account selection- The ability to recharge mobile phone cards via the convenience of an ATM anytime: Day or night-"Dfa3leh" technically described as P2P (Person-to-Person) payment transaction and which is a new cashless transaction technology launched in Lebanon by IPN. It allows payments between banks' account customers of different IPN shareholders and members banks via mobile or online banking.

11 to 50 staff

Neo By Bank Audi

As Lebanon’s first digital bank, our mission goes beyond delivering exceptional digital banking services - we are shaping the financial landscape of tomorrow! With neo, open a bank account in minutes, receive & send money to any bank locally and internationally, pay in-stores with a card or QR code, deposit & withdraw cash, buy online subscriptions, get an official statement of account, access lending solution, and so much more — all from your phone. No paperwork. No waiting. No hassle. Every feature we launch is designed to give you more control, more freedom, and more time for what really matters in your life. Our commitment to innovative hiring is at the heart of our institution. At neo, every team member is valued, and motivated to push boundaries. We enable our people to make a real impact for our clients and for the industry by combining deep financial knowledge with technical innovation. Join us, and be part of a team that is shaping the future of digital banking!

51 to 200 staff

Ahli International Bank

51 to 200 staff

Cedars International Consulting

Premier comité libanais de certification et de validation de la conformité des opérations financières au droit musulman dit (Fiqh al-Mou’amalat). Acteur actif de la finance islamique en Europe. A pioneer Lebanon-based company for Shari’a Certification and Validation of Financial Services. Active player of Islamic finance in Europe.

1 to 10 staff

Ibl Investment Bank

In early 2011, the IBL Bank established IBL Investment Bank SAL (IBL Invest), a fully owned Lebanese specialized bank. IBL Invest provides value-added investment banking services, meeting the needs of clients and targeting new regional markets, especially the Gulf. The main business line is advisory, corporate finance, and wealth management services.

1 to 10 staff

Syrian Lebanese Commercial Bank Sal

Our Policy Revolves Around Providing You with the Best Services. SLCB is a leading interactive bank operating in the Lebanese market since 1974, with a proven record of accomplishment in tailoring services and creating new products to fit customers’ business and financial needs. While providing its services, SLCB has a relentless focus on quality management, delivery and continuous improvement, in view of raising the bar with regard to best practices.

51 to 200 staff

Necb Sal Saradar Group

Near East Commercial Bank sal, established in 1978, is one of the oldest banks in Lebanon. NECB is a boutique bank focused on providing differentiated and market leading levels of service to its target Private, Commercial and Retail Banking customers through a limited but well located branch network. NECB will simply go that extra mile for its customers, driven by its employees’ passion to deliver excellent quality service. Our customer-focused approach allows us to grant our clients the time and attention they deserve, as we place them at the heart of everything we do. Our success rests primarily with our innovative approach, committed colleagues and strong business partnerships. An exceptionally enjoyable work environment motivates our professional performance. We believe in creating strong, long term relationships, founded on an intimate understanding of our customer needs.

51 to 200 staff

We-Initiative

BLC Bank’s Women Empowerment Initiative, We Initiative, is the first and only holistic program dedicated to the financial empowerment of women in the Middle East. It targets women in their plurality, as entrepreneurs, professionals, mothers, in their daily lives, seeking to find solutions for their challenges and concerns and aiming to unleash their potential. In addition, this initiative allows women to enhance their professional and personal lives through dedicated financial and non-financial products and services including a unique and innovative platform enabling them to connect, network and evolve. This platform allows women to widen their professional and personal connections and gives them access to business toolkits to assist them in their daily business requirements. Through this program, BLC Bank intends to provide women with equal chances to excel without gender preferences and to be evaluated based on their skills and knowledge. The Bank strives to become the employer of Choice for Women and the Reference Bank for Women. It is the first and only Bank in the Middle East and North Africa region that has joined the Global Banking Alliance for Women and is committed to the UN Women/UN Global Compact Women's Empowerment Principles.

501 to 1000 staff

Tasneed Consulting T&d S.A.R.L

Established in Beirut early 2018, tasneed consulting is a mosaic of former bankers with a vast experience in banking operations and development of Banks biggest and most important asset; the Human Capital. Having served the industry in various geographies mainly within MENA, each of our executives carries an average of 20+ years of banking experience in the field, around customers and employees and everything in between. For our clients this means that we will bring to you: 1. Professional Bankers who in their international careers have dealt with the same issues you are addressing. Proven best practices, methodologies and frameworks best suited to your specific situation. The highest levels of integrity to ensure that our mutual efforts are fully aligned to your best interests and purpose. At tasneed consulting, we specialize in helping financial institutions become more knowledgeable, more profitable and efficient. Showing you the big picture and how you fit in it. Our key differentiation is the practical and hands-on support and know-how we provide for the effective execution of strategies and business plans that only a practitioner can deliver.

1 to 10 staff

Banque Pharaon Et Chiha

1 to 10 staff

Banque Libano-Française

Mission and vision Banque Libano-Française is a Lebanese, highly performing universal bank, renowned for its professionalism and financial strength. We aim at being a leading player and a reference in the banking sector in Lebanon. We are committed to constantly developing our skills to ensure expertise and quality of service, and to maintain and strengthen our trust relationship with- our clients who see us as a real partner- our staff to whom we offer opportunities for self-accomplishment and a promising future- our shareholders who are looking for capital preservation and appreciation- the Lebanese banking sector by spearheading its drive towards sustainable growth - the Lebanese economy towards the prosperity of which we are strongly committed. In addition, we aim at creating shared value while supporting community needs and protecting the environment. Values- Integrity - Competences - Responsibility - Humanism - Engagement

1001 to 5000 staff

Société Générale De Banque Au Liban Sal

SGBL group is a major player on the international banking scene with more than 300 clients, 2.161 employees and 91 branches, offering universal banking services in Lebanon, Jordan, Cyprus, UAE and Europe. The SGBL group offers a complete and personalized range of banking services to all customer segments, whether individuals or companies. The Group’s activity is concentrated around 4 core business lines: Retail Banking; Corporate Banking; Investment Banking and Private Banking. The Group also provides specialized financial services through its affiliated companies: fidus (wealth management and financial brokerage), Sogelease Liban (financial leasing), SGBL Insurance (life insurance) and CTM (credit card processing). As part of its international development strategy, SGBL group acquired Banque Richelieu France, Banque Richelieu Monaco and Richelieu Gestion in July 2018. This group of companies, with an aggregate amount of assets under management of US$ 3.6 billion, is steered by Compagnie Financière Richelieu (fully owned by SGBL) which manages this new platform of private banking and asset management.

1001 to 5000 staff

Société Nouvelle De La Banque De Syrie Et Du Liban

11 to 50 staff

Depositors Union رابطة المودعين

Time has come for us, the depositors in Lebanese banks, to organize ourselves in order to protect our savings, punish those responsible for this crisis, and reform the political, financial and banking system. The Depositors Union offers a platform for resident and expatriate Lebanese depositors, as well as non-Lebanese foreign depositors, to meet and gather in order to act together and reclaim our savings. United we are strong! HOW WE STARTED After the Lebanese banks seized the depositors’ money, it was necessary to form a legal and democratic framework that organizes the depositors, through which they can claim their rights, form a pressure force on the banks and the Central Bank, and represent the depositors to have their voice heard. Therefore, in November 2019 the founding members developed the idea of establishing a union concerning this matter. The Depositors Union began its activity through a group of committees, where a legal committee was formed consisting of a number of volunteer lawyers, and an economic committee composed of economic experts, a secretariat committee, and a public relations committee, and a media committee, that boosted its work on various tracks and levels. OUR MISSION The Depositors Union is currently exerting an effort to defend the rights of depositors in their legal disputes with banks, as well as carrying out various media activities and providing economic studies in order to press for a solution suitable for depositors and with the aim of urging depositors to claim their rights and spread awareness about the risks of actions undertaken by the financial and banking authority on Depositors’ rights.

11 to 50 staff