Bank Audi
Bank Audi s.a.l. is a Lebanese universal banking group offering commercial, retail, and private banking plus treasury and factoring services across Lebanon, Switzerland, France, Saudi Arabia, Qatar, and the UAE, serving corporates, SMEs, HNWIs, and retail customers with consolidated assets of USD 14.8 billion.
- Company typePublic
- Founded1962
- HeadquartersBeirut, Lebanon
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Bank Audi does
Bank Audi s.a.l. is a Beirut-headquartered universal banking group founded in 1962 (with roots to 1830 under the predecessor Les fils de Oidih Audi) and listed on the Beirut Stock Exchange under ticker Audi.BY. It operates a full-stack banking platform spanning commercial and corporate banking, retail and personal banking, private banking, treasury and capital markets, online brokerage via Audi Capital (KSA) and Audi Tadawul, and factoring services through SOLIFAC sal. As of end-March 2026, the Group reported consolidated assets of USD 14,781 million, customer deposits of USD 12,624 million, and shareholders' equity of USD 1,151 million, with over 1,600 employees and 38 branches in Lebanon.
The Group generates revenue primarily through net interest income on its LL 97,915 billion Lebanese-pound loan book, supplemented by non-interest and fee-based revenues from wealth management, bancassurance, trade finance, and factoring. Private Banking is anchored by Banque Audi (Suisse) SA in Geneva (regulated since 1975) with USD 5.8 billion in AuMs and Audi Capital (KSA) in Riyadh, contributing to USD 6.5 billion in consolidated Private Banking AuM at end-December 2025. Q1 2026 net interest income of USD 45 million and non-interest income of USD 31 million point to a revenue base in the low hundreds of millions USD on an annualized basis.
Distribution is multi-channel: 38 Lebanese branches supplemented by international subsidiaries in Switzerland, France, Saudi Arabia, and Qatar (plus a UAE representative office in Abu Dhabi), digital channels via the neo by Bank Audi platform, and a Research Department (established 1991) producing economic reports on Lebanon and the MENA region that function as institutional marketing. The Group's strategic posture over 2020-2026 reflects defensive consolidation, including divestitures of Odeabank (Turkey, March 2025), Bank Audi Syria (March 2021), and Bank Audi Jordan branches (March 2021), alongside offensive product expansion such as Audi Tadawul and the CMA-regulated Art Investment Fund launched in September 2025.
Bank Audi firmographics
Firmographics- Name
- Bank Audi
- Legal name
- Bank Audi s.a.l.
- Website
- https://bankaudigroup.com
- Company type
- Public
- Founded year
- 1962
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Bank Audi s.a.l. is a Lebanese universal banking group offering commercial, retail, and private banking plus treasury and factoring services across Lebanon, Switzerland, France, Saudi Arabia, Qatar, and the UAE, serving corporates, SMEs, HNWIs, and retail customers with consolidated assets of USD 14.8 billion.
- Ownership category
- akta.pro rank
Bank Audi industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- State Commercial Banks (6022), Commercial Banks, Nec (6029)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
Keywords
Where Bank Audi is headquartered
LocationHeadquarters
- HQ city
- Beirut
- HQ country
- Lebanon
- HQ region
- Middle East
Offices7 records
Markets served
Bank Audi business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- Net Interest Income: The primary revenue stream from the lending business, driven by loans to customers (LL 97,915 billion as at end-March 2026) and customer deposits (LL 1,129,812 billion). The Bank maintains a selective lending strategy within retail and a focus on supporting core client relationships.
- Non-Interest Income and Fee-Based Revenues: Revenue from fee-based services including wealth management, bancassurance, trade finance, and car loans/personal loans. The Bank pursues diversification of revenue streams through fee-based services and tailored financial solutions.
- Private Banking Fees and Commissions: Private Banking entities hold consolidated assets under management and assets under management (comprising AuM, fiduciary deposits, and custody accounts) reaching USD 6.5 billion at end-December 2025, generating management and advisory fees.
- Factoring Services (SOLIFAC): SOLIFAC sal provides factoring services including domestic and international factoring, recourse and non-recourse factoring, generating fee income from financing receivables, collection services, and credit risk coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Interest rates and banking fees are offered on a relationship-specific, quote-based basis consistent with universal commercial banking practice. |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Bank Audi product offering
Product offeringCore offering
Bank Audi is a Lebanese universal banking group that provides commercial and corporate banking, retail and personal banking, private banking, treasury and capital markets, and factoring services. It operates through subsidiaries in Lebanon, Switzerland, France, Saudi Arabia, Qatar, and Abu Dhabi, serving individuals, SMEs, large corporates, and high-net-worth clients across the MENA region and Europe.
Product overview
Bank Audi is a leading Lebanese banking group with a universal banking profile offering a full range of banking products and services. The Group operates across multiple platforms: Corporate and Commercial Banking (including trade finance and working capital facilities), Personal Banking with 'neo by Bank Audi' digital offering and retail card business, Private Banking through Banque Audi (Suisse) in Switzerland and Audi Capital in KSA with USD 6.5 billion in consolidated AuMs, Treasury and Capital Markets operations, and specialized Factoring services via SOLIFAC. The Group has presence in Lebanon (38 branches), Switzerland, France, Saudi Arabia, Qatar, and Abu Dhabi, with over 1,600 employees and more than 1,500 shareholders.
Differentiator
Problem solved
Functional benefit
Brands
- Novo: Digital banking platform/app launched in 2012, winner of multiple innovation awards including EMEA Finance Innovation and Technology award and MENA Cristal Awards 2013 Sapphire for campaign.
- Audi Tadawul
- Audi Capital Art Investment Fund
- SOLIFAC
Products and services
- Corporate and Commercial Banking
- Personal Banking (neo by Bank Audi)
- Private Banking
- Treasury and Capital Markets
- SOLIFAC Factoring Services
- Bank Audi IR App
- Audi Tadawul Online Trading Platform
- Audi Capital Art Investment Fund
Quantifiable outcome
- Total assets of USD 14,781 million with LL 1,322,910 billion as at end-March 2026
- +3 more outcomes
Companies that use Bank Audi
Customer profileNamed customers6 records
Segments5 records
Bank Audi technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Bank Audi partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- GTN (Global Trading Network)coreAudi Capital and GTN announced their partnership to launch 'Audi Tadawul' - an online trading platform for local and global investors. This is a strategic product partnership in the digital trading space for Saudi Arabia and MENA region.
- Factors Chain InternationalminorSOLIFAC sal is a member of Factors Chain International, a global network of leading factoring companies that aim to facilitate international trade through factoring and related financial services.
Scale indicators12 records
Recent moves21 records
Expansion highlights6 records
Bank Audi competitors and assessment
Company assessmentDirect peers
- Bank of Beirut: Lebanese commercial bank with growing retail and corporate franchise; competes with Bank Audi on deposit gathering, corporate lending, and trade finance in Lebanon.
- Credit Libanais: Lebanese commercial bank with similar retail and corporate offering; competes with Bank Audi in domestic lending, deposits, and trade finance.
- BLOM Bank: One of Lebanon's largest privately held banks, BLOM directly competes with Bank Audi across retail, corporate, and private banking in Lebanon and the broader Levant, with similar international subsidiary footprint. Closest pure domestic comparable.
- BankMed (Banque du Liban et d'Outre-Mer): Lebanese universal bank and key domestic competitor to Bank Audi across retail, SME, and private banking segments, with selective regional presence.
- Banque Libano-Française: Mid-sized Lebanese universal bank serving retail, SME, and corporate clients with selective international presence; competes head-to-head with Bank Audi in the Lebanese SME and corporate segments.
- Byblos Bank: Top-three Lebanese commercial bank with a comparable universal banking model (retail, corporate, treasury) and presence across Lebanon and select international markets, including Syria prior to its exit.
Regional players
- Banque Pictet & Cie: Swiss private banking giant competing with Banque Audi (Suisse) for ultra-HNW and family-office clients across Europe and emerging markets; relevant comp on AuM scale and Swiss private banking economics.
Broad incumbents
- Arab Bank: One of the largest Arab banking groups with deep presence across MENA and a global correspondent network. Competes with Bank Audi for regional corporate banking and Lebanese diaspora remittance/wealth flows.
- Emirates NBD: Leading UAE-headquartered universal bank with significant MENA franchise. Competes with Bank Audi's Gulf private banking and corporate banking subsidiaries in Saudi Arabia and Qatar.
- Qatar National Bank (QNB): Largest bank in the Middle East and Africa, with operations across MENA. Competes with Bank Audi in Qatari and Gulf private banking, corporate finance, and cross-border Lebanese diaspora banking.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Bank Audi social profiles
Digital presenceBank Audi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bank Audi leadership team
Management profileNumber of profiles
Bank Audi subsidiaries and ownership
Company hierarchySubsidiaries6 records
Bank Audi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bank Audi M&A and investment
M&A and investmentM&A
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bank Audi
What does Bank Audi do?
Bank Audi is a Lebanese universal banking group that provides commercial and corporate banking, retail and personal banking, private banking, treasury and capital markets, and factoring services. It operates through subsidiaries in Lebanon, Switzerland, France, Saudi Arabia, Qatar, and Abu Dhabi, serving individuals, SMEs, large corporates, and high-net-worth clients across the MENA region and Europe.
Is Bank Audi a public or private company?
Bank Audi is a public company. It is classified as public and is currently operating.
When was Bank Audi founded?
Bank Audi was founded in 1962. It employs 5,001 to 10,000 people.
Where is Bank Audi based?
Bank Audi is headquartered in Beirut, Lebanon, in the Middle East region.
How does Bank Audi make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and Fee-Based Revenues, private Banking Fees and Commissions and factoring Services (SOLIFAC).
Who are Bank Audi's main competitors?
Direct peers on record are Bank of Beirut, Credit Libanais, BLOM Bank, BankMed (Banque du Liban et d'Outre-Mer), Banque Libano-Française and Byblos Bank. Banque Pictet & Cie is listed as a regional player. Broad incumbents are Arab Bank, Emirates NBD and Qatar National Bank (QNB).
Does Bank Audi have an API?
No public API is recorded for Bank Audi.
What industry is Bank Audi in?
Bank Audi's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking. Its NAICS code is 522110 and its SIC code is 6022.