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Credit Libanais' Business Principles

We Serve: We deliver superior customer service. We gain customer satisfaction with service that exceeds customers' expectations.

We Act: We are action-oriented and encourage personal initiative. Can do and Will Do are basic attitudes of all employees.

We Perform: We grow productivity each year. Ethics and Profit per employee are key measures for Bank performance.

We Improve: We embrace change. We continuously seek better problem solutions for the customer and the Bank.

We Cooperate: We function as a team. Cooperation among individuals and units is fundamental in delivering the whole Bank to the customer.

We Communicate: We are open. We encourage continual dialogue across all units and levels.

We Empower: We emphasize delegation. Acceptance of personal accountability permeates our corporate culture.

We Build: We continuously upgrade our skills. Commitment to self-development and training are cornerstones of our competitive advantage.

We Respect: We value each other's ideas. We treat colleagues fairly, sincerely and courteously regardless of differences in background.



A Journey of Continuous Success and Achievements

  • 1961 Establishment of the Bank
  • 1977Acquisition of Continental Bank
  • 1994Acquisition of both First Phoenician Bank and Capital Trust Bank
  • 1996Launching of the investment banking arm of the Group through the majority owned subsidiary "Credit Libanais Investment Bank"
  • 1996 First issuance of Euro CD listed on international markets by a Lebanese bank
  • 1997 Acquisition of a Controlling majority by CIH Manama Holding
  • 2000Acquisition of the operations of American Express Bank, Lebanon
  • 2004 Issuance of $50m preferred shares
  • 2004 Acquisition of ISO9001:2000 Certification for Quality Management System
  • 2005 Issuance of three-year Euro CD listed on international markets
  • 2005 Launching of Islamic banking operations in Lebanon through the Bank's subsidiary "Lebanese Islamic Bank"
  • 2006 A capital increase of USD 102 million by existing shareholders
  • 2006 Implementation of an Employee Stock Ownership Plan for a total consideration of 5.7% of the Bank's common shares
  • 2006 Winning of the Golden Pan Arab Corporate Website Award
  • 2007 Opening of Bahrain Branch
  • 2007 Changing of affiliated leasing company Credilease into a Lebanese financial institution
  • 2009 Successful management by the Bank, with Credit Suisse & Byblos Bank, of the 2009 Republic of Lebanon voluntary exchange transaction for a total consideration of some USD 2.3 billion
  • 2010 Opening of the fully-owned banking subsidiary Credit International sa, Senegal
  • 2010 Acquisition by EFG Hermes Group of a controlling majority in the Credit Libanais. Issuance of USD 75 million Subordinated Bonds maturing in January 2018
  • 2011 Best in category: Social and Economic Award for Housing Loans
  • 2011 Social Media launching
  • 2011 Best Website Awards granted to affiliates: Hermes Travel and CISA (Senegal)
  • 2011 PCI DSS compliance for subsidiaries Netcommerce and IPN
  • 2012 Launching of operations in Iraq (Baghdad and Erbil)
  • 2012 Migration to the core banking system, equation, across all branches of the Group
  • 2013 Increase of CL Tier One capital by 18.28%, through the issuance of $100m preferred shares
  • 2013 JP Morgan Elite “Quality Recognition for Outstanding Achievement” Award
  • 2013 Cross Knowledge Special Award in the Best e-learning Category
  • 2013 World Finance “Best Commercial Bank” Award
  • 2013 World Confederation of Businesses “Peak of Success” Award
  • 2013 First e-payment services for built property taxes and first e-payment services for the Order of Engineers and Architects in Beirut
  • 2013 Opening of Jounieh Branch
  • 2014 Winning of prestigious awards by Citibank, Deutsche Bank and Standard Chartered Bank
  • 2014 Opening of Adlieh and Jal el Dib branches
  • 2014 Social Economic Award (SEA): The National and Social Impact Award
  • 2015 Relocation to the landmark newly built Headquarters Tower in Adlieh
  • 2015 Winning of the prestigious Awards for STP by Citibank and JP Morgan
  • 2015 First bank in Lebanon to be fully compliant with Payment Card Industry Data Security Standard (PCI DSS)
  • 2015 Opening of CISA second branch in Dakar
  • 2016Saw a structural change in the shareholders base of the Bank pursuant to the disposal of a majority stake by EFG Hermes CL Holding SAL in the Bank’s Capital, to a network of international, Arab and Lebanese investors comprising sophisticated funds, institutional and individual investors
  • 2017Straight Through Processing (STP) Outstanding Achievement Award by JP Morgan
    Straight Through Processing (STP) Euro Operational Excellence Award by Deutsche Bank
    Safest Bank Award by World Union of Arab Banks (WUAB)
    Reconstruction and Development Award by Union of Arab Banks (UAB)
  • 2018 CISO (Chief Information Security Officer) 100 Award by Middle East Security Awards (MESA)
    Opening of Beit Chlala – Tannourine Branch 
    Opening of Dbayeh Branch 
    $100 million subordinated notes issuance 
    $50 million from International Finance Corporation (IFC) to Credit Libanais
  • 2019The Prestigious “Lifetime Achievement Award” conferred to Dr. Joseph Torbey by Visa International Inc. “in appreciation for his long and historical contribution in setting up and growing Visa business in Lebanon, electronic payments industry and the banking sector in general.
    Opening of Ghazir branch.
    USD 100 Million financing package from the European Bank for Reconstruction and Development (EBRD).
    Launching of the First Metal Card in Lebanon “The metallic”. A unique card with a minimalist design and contactless technology that offers elite clientele special privileges and services.
    CL signatory of “Investors for Governance & Integrity - IGI” declaration.
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Banks list No.53-CRB:10742
Online & Phone Banking service – BDL 1/984 – July 11,2000
PayMobey service - BDL legal department 11/391 - August 14, 2013
Mobile Application service – BDL legal department 11/392 - August 14, 2013
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