Banking in Lebanon

Qatar Islamic Bank Qib

Qatar Islamic Bank (QIB) was the first Islamic bank to start operating in the country in 1982 and it is still the largest today: the Bank currently holds 42% share of the Islamic banking sector and approximately 12% of the total domestic banking sector. As of end 2016, the total Shareholders' Equity of the bank amounted to QAR 14.2 billion (3.89 billion US Dollars) with total assets reaching QAR 139.8 billion (38.3 billion US Dollars). QIB Group conducts its domestic business through a modern branch network spread throughout Qatar with key branches featuring distinctive centers with specialized relationship managers focused on servicing specific customer segments: Private Banking Centers, Affluent Banking Centers, Small & Medium Enterprises (SME) Centers as well as Ladies Banking Centers. In addition to its branch network, the Bank has accelerated its investments in digital channels providing its services through multi-functional ATMs, mobile and internet banking applications for individuals and companies, and an award winning Call Center. QIB Group has a stake in a number of Qatari Sharia’-compliant financial services companies. This includes QInvest, its investment banking subsidiary, and its affiliates Beema (Takaful solutions provider) and Al Jazeera Finance (Consumer Finance company). QIB Group has established an international presence in key markets so as to be able to serve the cross border needs of its customers as well as to develop a focused presence in geographies with high interest in Islamic banking services. QIB UK is a wholly owned subsidiary, established in 2008, covering the financial needs of Qatari individuals and companies in the United Kingdom. Furthermore, the bank has presence in Lebanon through Arab Finance House, in Malaysia through Asian Finance Bank and one branch in Sudan.

1001 to 5000 staff

Am Bank

We are keen on finding new ways to innovate and to create unique services to better cater to our clients' needs Another factor has been the commitment of our shareholders, who are encouraged to re-invest all profits to support the Bank’s ongoing expansion scheme. The shareholders have also demonstrated their commitment to the Bank by raising capital from their personal funds whenever expansion plans warranted additional capital injection. AL-MAWARID Bank S.A.L. branch network covers most major cities and residential areas. This carefully located branch network has been instrumental in expanding our customer base. Over the years AL-MAWARID Bank S.A.L. has succeeded in meeting its main objective, which is to continuously introduce high-quality products and services that meet our customers’ evolving needs. Aside from basic banking services, AL-MAWARID Bank S.A.L. scope of operations includes as well insurance brokerage. To keep ahead of the highly competitive market, AL-MAWARID Bank S.A.L. has made substantial investments in the latest technologies and now boasts an extremely advanced IT infrastructure. This bold strategy has driven AL-MAWARID Bank S.A.L. further in the Lebanese bank ranking. AL-MAWARID Bank S.A.L. solid corporate foundation combined with its promise to deliver the most innovative and attractive banking products can only strengthen and consolidate its position among Lebanon’s leading banks.

201 to 500 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

Fenicia Bank Sal

OUR COMMITMENT HAS NO LIMITS. In our journey we keep moving forward, guided by our values. We believe that our success relies on our clear vision build on being- Trustful: we want to be seen as consistent and reliable. People can count on us- Convenient: people should feel comfortable doing business with us- Sympathetic: we personalize our solutions to meet with your needs. These values have been cornerstone's in our bank's history for over 50 years of solid achievements and will continue to set the tone of integrity for all our assessments. They are the fabric that holds us together wherever we are. Every journey has a destination: building more value for our stakeholders by practicing sound conservative policies and quality standards based on helping our customers succeed financially. As our vision and values continue to anchor us, we are sure to head for more growth and success for decades to come.

201 to 500 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

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

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

Ahli International Bank

51 to 200 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

Ndcr Sarl

NDCR sarl is a debt collection & recovery company established in the beginning of 2017. The company's main clients are major Lebanese Banks. NDCR's team is dedicated to achieve the targets and goals set by our clients. Professionalism & hard work are main company pillars. Our team is composed of 15 persons: 10 collectors & 3 administrators. Our goal is to work with the majority of Lebanese banks and keep our high standards of professionalism and extensive follow up. The company is based in Hamra main street, the heart of Beirut. Debt collection is the process of pursuing payments of debts owed by individuals or businesses. An organization that specializes in debt collection is known as a collection agency or debt collector. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed. There are many types of collection agencies. First-party agencies are often subsidiaries of the original company the debt is owed to. Third-party agencies are separate companies contracted by a company to collect debts on their behalf for a fee. Debt buyers purchase the debt at a percentage of its value, then attempt to collect it. Each country has its own rules and regulations regarding them. NDCR is a third-party collection agency. A Collection agency is called third-party agency because such agencies were not a party to the original contract. The creditor assigns accounts directly to such an agency on a contingency-fee basis, which usually initially costs nothing to the creditor or merchant, except for the cost of communications. This however is dependent on the individual service level agreement (SLA) that exists between the creditor and the collection agency. The agency takes a percentage of debts successfully collected; sometimes known in the industry as the "Pot Fee" or potential fee upon successful collection.

11 to 50 staff

Soft Management

Established in 1983, Soft Management SAL is a Lebanese Information Technology company that provides a wide range of state of the art technological services and products to its clients. Soft Management specializes in IT business solutions for financial and corporate organization with high quality products and excellent customer service.

11 to 50 staff

Al Mawarid Bank

AL-MAWARID Bank S.A.L. was established in 1980 and has experienced large year on year intrinsic growth since then. This impressive performance can be attributed to the Bank’s sound management structure coupled with our philosophy that customer satisfaction comes first. AL-MAWARID Bank S.A.L. is registered in the Bank's list # 101 BDL. Another factor has been the commitment of our shareholders, who are encouraged to re-invest all profits to support the Bank’s ongoing expansion scheme. The shareholders have also demonstrated their commitment to the Bank by raising capital from their personal funds whenever expansion plans warranted additional capital injection. AL-MAWARID Bank S.A.L. branch network covers most major cities and residential areas. This carefully located branch network has been instrumental in expanding our customer base. Over the years AL-MAWARID Bank S.A.L. has succeeded in meeting its main objective, which is to continuously introduce high-quality products and services that meet our customers’ evolving needs. Aside from basic banking services, AL-MAWARID Bank S.A.L. scope of operations includes as well insurance brokerage. To keep ahead of the highly competitive market, AL-MAWARID Bank S.A.L. has made substantial investments in the latest technologies and now boasts an extremely advanced IT infrastructure. This bold strategy has driven AL-MAWARID Bank S.A.L. further in the Lebanese bank ranking. AL-MAWARID Bank S.A.L. solid corporate foundation combined with its promise to deliver the most innovative and attractive banking products can only strengthen and consolidate its position among Lebanon’s leading banks.

201 to 500 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

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

Sbis

Banking Consultancy

11 to 50 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

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