Name

Banque Libano-Française

Legal name

Banque Libano-Française SAL

Website

https://eblf.com

Company type

Private

Founded year

1930

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Corporate banking solutions
• Wealth management funds
• Bancassurance products
• Payment processing services

Headquarters

HQ city

Hamra

HQ country

Lebanon

HQ region

Middle East

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans, mortgages, and credit facilities provided to retail and corporate clients.
2. Fee and Commission Income: Banking fees including account maintenance, wire transfers, check processing, card annual fees, and various service charges across retail and corporate banking products.
3. Bancassurance: Insurance products distributed through the bank's branch network, issued by affiliate Bancassurance S.A.L. The bank earns commissions on life insurance, savings plans, travel insurance, and other insurance products.
4. Asset Management Fees: Management fees and performance fees from in-house managed funds including LF Total Return Bond Fund, LF Lebanon Income Fund, and LF Global Opportunities Fund. Fund management handled through Luxembourg and Cayman Islands vehicles.

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels6 records

Core offering

Banque Libano-Française is a universal Lebanese commercial bank offering retail and corporate banking products including current/savings/term deposit accounts, a tiered Visa debit and credit card portfolio, professional packages (Engineer, Pharmacist), youth packages (Lucky to be Young), insurance plans through Bancassurance S.A.L., three in-house LF Funds (Lebanon Income, Total Return Bond, Global Opportunities), and treasury/capital markets services. It also operates merchant payment services (POS terminals, Point ecom online gateway, Pay by Link) and digital channels (Point Com e-banking, My BLF app).

Product overview

Banque Libano-Française (BLF) operates as a full-service Lebanese commercial bank offering an integrated portfolio of banking products and services. The core banking offerings include current accounts, savings accounts, and term deposits available in LBP, USD, EUR, and Fresh USD. The bank serves retail customers through specialized sub-brands including the Lucky to be Young Package (targeting ages 0-14, 14-18, and 18-25), Wedding Package, Engineer Package, and Pharmacist Package for professionals. Credit and debit card offerings span multiple tiers (Blue, Gold, Platinum, Infinite) across Visa networks, including co-branded Air France KLM Flying Blue cards. Insurance products are distributed through the Bancassurance partnership, covering life insurance (term life, savings-linked, retirement, educational, housing, investment), property insurance (home, office/shop, car), and protection plans (income compensation, travel, payment means). Digital banking is delivered via Point Com e-banking, My BLF App, and SMS/call center services. Payment services include POS terminals, Point ecom online gateway, and Pay by Link. The bank's treasury and capital markets division offers FX risk management, fixed income products, and equities services. Wealth management includes three LF Funds (Lebanon Income Fund USD, Total Return Bond Fund, Global Opportunities Fund) managed under ISO 26000 and UN Global Compact principles. SME banking is supported through Point Info notification packages and specialized business insurance.

Differentiator

Problem solved

Functional benefit

Brands

• Lucky to be Young: Youth-focused banking program with packages for different age groups (0-14, 14-18, 18-25) offering specialized accounts, cards, and financial services tailored for young customers.
• Point ecom
• Point of Sale (POS)
• Pay by Link
• Point Info
• LF Funds

Products and services

• Current Account
• Multi Package Account
• Fresh USD Offshore Account
• Savings Account
• Term Deposit Account
• Lucky to be Young Package (Youth Banking Program)
• Wedding Package
• Engineer Package
• Pharmacist Package
• Air France KLM - BLF Visa Signature Credit Card
• Air France KLM - BLF Visa Platinum Credit Card
• Air France KLM - BLF Visa Platinum Debit Card
• Blue Credit Card
• Gold Credit Card
• Platinum Credit Card
• Infinite Credit Card
• Blue Debit Card
• Gold Debit Card
• Platinum Debit Card
• Infinite Debit Card
• Blue Cash Card
• Platinum Cash Card
• Term Life Insurance Plan
• Life Insurance Plan with Accidental Coverage
• Housing Savings Plan
• Educational Savings Plan
• Retirement Savings Plan
• Investment Plan Fresh USD
• Compulsory Car Insurance
• Home Insurance Plan
• Income Compensation Insurance Plan
• Insurance Plan of Payment Means
• Travel Insurance Plan
• Group Insurance
• Key Person Insurance
• Office and Shop Insurance Plan
• Point Com E-Banking
• My BLF Mobile App
• Points of Sale (POS) Terminals
• Point ecom Online Payment Gateway
• Pay by Link
• Treasury and Capital Markets Services
• LF Lebanon Income Fund (USD)
• LF Total Return Bond Fund
• LF Global Opportunities Fund
• Asset Management Service
• Point Info SME Service

Quantifiable outcome

• 1 billion Flying Blue Miles offered to customers in 5 years through Air France KLM partnership
• +3 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability2 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core, strategic and minor.

• Air France KLMcoreGTM or Marketing Partner5-year partnership (since 2013) producing a co-branded Visa card that has offered 1 billion Flying Blue Miles to customers. The Visa Signature card ranks first in Levant and second in MENA for average card spending. Joint marketing events and customer rewards programs.
• Visa InternationalcoreTechnology or IntegrationPayment card partnership providing Visa-branded debit, credit, and co-branded cards. Includes access to Visa Airport Companion app, Priority Pass, insurance benefits, and payment processing through Visa CyberSource for online payments.
• Visa CyberSourcecoreTechnology or IntegrationGlobal leader in online payments powering the Point ecom gateway with PCI DSS compliance, AI fraud detection, 3D Secure 2.2, and tokenization. Also powers Pay by Link service.
• LF Finance (Suisse) SAcoreOthersWholly-owned subsidiary in Geneva, Switzerland founded in 1984. Focuses on wealth management offering political and financial stability for international clients.
• Bancassurance S.A.L.coreOthersAffiliated life insurance company (CRB: 75 309, Beirut) with paid-in capital of LBP 4.5 billion. Issues insurance products distributed through BLF branches including life, savings, retirement, and general insurance.
• Crédit AgricolestrategicTechnology or IntegrationInternational asset manager providing investment fund management for the Investment Plan Fresh USD, giving BLF clients access to international financial markets and diversification across equity funds.
• ConnectminorGTM or Marketing PartnerInternet service provider partnership offering preferential subscription fees, free modem, and free bill domiciliation for BLF account holders with package accounts.
• DragonPassstrategicGTM or Marketing PartnerAirport lounge access provider integrated with Visa Airport Companion app, offering complimentary lounge visits and fast track services for premium cardholders.
• Priority PassstrategicGTM or Marketing PartnerAirport lounge membership available as optional add-on for Platinum cardholders at USD 50 annually.
• Allianz Global AssistancestrategicGTM or Marketing Partner24-hour worldwide travel insurance coverage provider for BLF travel insurance plans.
• Issam Fares Institute (AUB)strategicStrategic or Co-development PartnerAnnual Climate Change Student Competition partnership for 2018-2019 theme 'Climate Change and Water Scarcity'. BLF co-sponsored with IHE Delft and WUR Netherlands, reaching regional scale.
• Banque SBA SA (France)strategicOthersSubsidiary in France operating under the Lucky to be Young brand.
• Banque SBA SA - Limassol BranchstrategicOthersCyprus branch of the SBA subsidiary, expanding regional presence.
• AXAstrategicGTM or Marketing PartnerTravel insurance provider for Platinum card holders with coverage up to EUR 50,000.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank Audi: Bank Audi is the largest Lebanese commercial bank and a direct competitor to BLF, offering a similar universal banking model with retail, corporate, and private banking services across Lebanon and international subsidiaries.
• Byblos Bank: Byblos Bank is a top-tier Lebanese universal bank with comparable retail, SME, and corporate banking offerings, plus international branches that compete directly with BLF's overseas operations.
• Bank of Beirut: Bank of Beirut is a major Lebanese commercial bank (formerly BLOM subsidiary context) offering retail, corporate, and investment banking services with comparable product breadth and a similar Lebanese focus.
• Banque BLC (formerly BLOM Bank): BLC is one of Lebanon's largest banks by assets, providing retail, corporate, and private banking with international presence — a direct competitor to BLF across both domestic and diaspora segments.
• Fransabank: Fransabank is a long-established Lebanese commercial bank with comparable retail, SME, and corporate banking offerings, including specialized packages and a similar geographic concentration in Lebanon.
• Crédit Libanais: Crédit Libanais is a mid-sized Lebanese commercial bank providing universal banking services, directly competing with BLF for retail, SME, and corporate clients across Lebanon.
• Banque SBA (parent company relationship): Banque SBA is a French-headquartered bank with Lebanese origins; BLF's Lucky to be Young brand operates through its French subsidiary, making SBA a peer and corporate family member with comparable retail and diaspora banking.
• BankMed: BankMed is a Lebanese universal bank offering retail, corporate, and private banking with a similar Lebanese market focus and comparable product suite including cards, loans, and digital banking.
• SGBL (Société Générale de Banque au Liban): SGBL is a Lebanese universal bank affiliated with Société Générale, offering retail, corporate, and investment banking — a direct competitor to BLF with stronger international parent backing.

Broad incumbents

• Arab Bank: Arab Bank is a major regional MENA bank with significant Lebanese operations and international branch network; competes with BLF on corporate banking, trade finance, and correspondent banking across the region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BLFLebanon

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Banque Libano-Française