Founded in 1830, the Bank was incorporated in its present form in 1962 as a private joint stock company with limited liability (société anonyme libanaise) with a duration of 99 years. The Bank is registered on the Beirut Commercial Registry under number 11347 and on the Lebanese List of Banks under number 56. The initial shareholders of the Bank were members of the Audi family, together with certain Kuwaiti investors. Since 1983, the shareholder base has expanded and currently is comprised of more than 1,500 holders of Common Shares and Global Depositary Receipts (representing Common Shares). The Common Shares including the Global Depositary Receipts are listed on Beirut Stock Exchange.
The Bank’s head office and registered address is Bank Audi Plaza, Omar Daouk Street, Bab Idriss, Beirut 2021 8102, P.O. Box: 11-2560, Beirut, Lebanon.
The Bank is a leading Lebanese banking group with a universal banking profile, offering a full range of products and services that principally cover commercial and corporate banking, retail and personal banking and private banking. As at end-June 2026 total assets reached LL 1,308,314 billion, shareholders’ equity LL 102,850 billion, customers’ deposits LL 1,109,687 billion, loans and advances LL 95,732 billion. In addition to its historic presence in Lebanon, Switzerland and France, the Group currently operates in Saudi Arabia, Qatar, Abu Dhabi (through a representative office).
As at end-June 2026, the Bank had a network in Lebanon with 38 branches covering the Greater Beirut area and other strategic regions in Lebanon. The Bank has two subsidiaries in Europe, two subsidiaries in the MENA region outside Lebanon.
As at end-June 2026, the Bank and its consolidated subsidiaries had 1,691 employees, including 1,368 persons employed in Lebanon.
In 2025, global markets continued to navigate the aftermath of geopolitical tensions and monetary policy adjustments, though inflationary pressures showed signs of moderation across major economies. In Lebanon, the restoration of political stability following the presidential election and cabinet formation in early 2025 created renewed momentum for structural reforms.
The passage of the Bank Resolution Law in July 2025 and the subsequent approval by the Council of Ministers of the draft Financial Gap Law in December 2025 reflect ongoing efforts toward establishing a permanent framework for the banking sector. The Financial Gap Law remains pending parliamentary enactment, and the Bank continues to monitor developments while maintaining operational readiness for a potential transition toward normalized sector conditions.
Throughout the year, the Lebanese private sector demonstrated remarkable resilience. Bank Audi remained steadfast in supporting clients through trade finance, working capital facilities, and other essential banking services to sustain business continuity and preserve productive capacity. Notably, the Bank leveraged its foreign subsidiaries, notably Bank Audi France and Bank Audi Qatar, to provide medium-term financing solutions for capex and working capital needs, ensuring continuity of funding to key relationships’ economic activity in Lebanon and abroad.
Retail banking continues to evolve in response to shifting customer expectations, rapid technological advancement, and a changing operating environment. In this context, the Bank has maintained in 2025 a clear focus on enhancing the customer experience through greater digital integration, simplified processes, and more tailored financial solutions across its client segments. Emphasis was also put on sustainable growth, expansion of non-interest income, and deepening engagement across key client segments, including HNWIs, affluent, upper affluent, and mass customers.
Ongoing efforts center on advancing client segmentation, enhancing personalization of banking experiences, and diversifying revenue streams through fee-based services, wealth management, and tailored financial solutions. At the same time, the Bank pursued a selective lending strategy within the retail segment, aiming to support core client relationships and generate sustainable revenue streams offering a comprehensive suite of lending products, including car loans and personal loans, designed to meet customers’ diverse financial needs, in addition to the bancassurance. This approach has, however, been temporarily adjusted considering the recent escalation in geopolitical tensions (since March 2026), with a greater emphasis placed on preserving loan quality, maintaining prudent underwriting standards, and safeguarding the Bank’s risk profile.
Over the past year, the Bank sustained the rollout of its digital transformation strategy, further embedding digital channels as the primary interface for individual customers. Continued enhancements to the digital offering and alternative service channels have supported higher adoption rates, improved accessibility, and more efficient service delivery, while enabling the Bank to respond more effectively to evolving client needs. The below sets out the evolution of neo digital banks as well as that of the Retail Card business of Bank Audi in 2025.
Bank Audi Private Bank, which provides services to high-net-worth individuals through its network in Europe (Geneva) and the Middle East (Beirut, Riyadh and Abu Dhabi), comprises two main booking entities, namely Banque Audi (Suisse) SA and Audi Capital (KSA). Bank Audi Private Bank offers a full and diversified range of services, with access to major markets worldwide and global investment products, including discretionary portfolio management, investment advisory and trade execution services in all asset classes, structuring and management of Saudi and regional funds, and other Private Banking services. Its main customers are high net worth individuals in Lebanon, Europe and the Gulf region, as well as the Lebanese diaspora in Sub-Saharan Africa and Latin America.
Bank Audi Private Bank entities have consolidated on balance sheet assets and assets under management (comprising of assets under management, fiduciary deposits and custody accounts) reaching USD 6.5 billion at end-December 2025. In Switzerland, Banque Audi (Suisse) SA represents the main Private Banking arm of the Group, with over USD 5.8 billion in AuMs. In Saudi Arabia, Audi Capital (KSA) serves as the Group’s main Private Banking hub for GCC markets, with AuMs of USD 0.6 billion.
The Private Banking entities are well structured, with the same Senior Management team which will progressively ensure better synergy and accountability, effective management, corporate governance, and alignment of business objectives.
The Group continues to operate in a challenging environment, particularly in Lebanon, where the banking sector remains in a prolonged transition pending the implementation of comprehensive restructuring and resolution frameworks. In this context, the Bank’s strategy is centered on resilience, readiness, and disciplined growth, enabling the Group to navigate the current phase while positioning itself for recovery once sector reforms are implemented.
The Bank’s principal priorities for the next phase focus on the following key areas:
