Bank Audi

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.

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

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

• Retail banking services
• Corporate banking
• Private wealth management
• Treasury capital markets
• Factoring services

Headquarters

HQ city

Beirut

HQ country

Lebanon

HQ region

Middle East

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers6 records

Segments5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• GTN (Global Trading Network)coreStrategic or Co-development Partner · 30 September 2025Audi 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 InternationalminorStrategic or Co-development PartnerSOLIFAC 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

Direct 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

• Xtwitter.com/BankAudi
• YouTubeyoutube.com/@bankaudi
• Facebookfacebook.com/BankAudiLebanon
• LinkedInlinkedin.com/company/bankaudi
• Instagraminstagram.com/bankaudi

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Audi