Director : Mohsen Berri

Role and Function

The Central Security and Surveillance Unit isafeguards the bank’s physical assets and personnel through robust security protocols and advanced surveillance.

Key Responsibilities 

1- Physical Security Management

• Protect bank premises (branches, ATMs, data centers, HQ).

2- Surveillance & Monitoring

• Operate 24/7 CCTV systems and alarm networks.
• Monitor activities in real-time.

3- Access Control

• Manage entry/exit points
• Restrict unauthorized access to sensitive areas.

Director : -

Role and Functions

To cultivate a strong corporate governance culture across Lebanon’s financial and banking sectors by promoting transparency, accountability, and robust oversight in alignment with international standards.

Key Responsibilities   

1- Awareness & Advocacy

• Leads initiatives to educate and train banks and financial institutions on corporate governance principles
• Disseminates international best practices through workshops, guidelines, and policy papers

2- Regulatory Development

• Proposes new regulations and frameworks to strengthen governance structures
• Advises on risk management, compliance, and ethical standards

3- Implementation & Monitoring

• Tracks adoption of governance policies across the sector
• Assesses effectiveness of internal controls and recommends improvements

4- Transparency & Accountability

• Promotes disclosure standards and fair stakeholder treatment
• Encourages board independence and audit committee effectiveness

Director : 

Role and Functions    

The Compliance Unit  reports directly to the Governor. Its primary role is to monitor and ensure compliance with applicable laws and regulations by BDL departments, banks and financial institutions supervised by BDL. It also proposes measures to mitigate risks related to non-compliance, safeguarding the reputation of BDL and the banking sector. The Compliance Unit monitors international best practices in compliance, represents BDL at local and international compliance conferences, coordinates with regulatory bodies, such as the Banking Control Commission of Lebanon (BCCL) and the Special Investigation Commission (SIC) and proposes regulatory amendments and recommendations.

Organizational Structure 

1- BDL Compliance Section:

•  Monitors BDL's financial operations, including clearing, settlements, and bank transfers.
•  Identifies and assesses potential non-compliance cases, particularly in AML/CFT regulations.
•  Ensures corrective measures are implemented and promptly reports significant issues to the Governor.
•  Evaluates and recommends updates to BDL’s compliance policies and procedures.
•  Develops compliance-related training for BDL employees.

2- BDL-supervised entities Compliance Section:

• Promotes a culture of compliance through training sessions aligned with international standards.
• Maintains communication with compliance departments of supervised entities.
• Evaluates the compliance frameworks of supervised entities.
• Conducts visits and inspections when requested by the Governor.

3- Anti-Bribery and Corruption Compliance Section:

• Develops and oversees BDL’s anti-bribery and corruption policies.
• Assesses corruption risks related to BDL’s services and high-risk clients.
• Monitors accounts opened at BDL for potential corruption and bribery exposure.
• Investigates cases of corruption reported in the media or by official sources.
• Conducts anti-corruption training and promotes integrity within BDL.

Director: Mario Khoury

The Executive Office reports directly to the Governor.

It is entrusted with many functions, among which the following:

• Manage and follow up the organizational and reform projects that fall within the BDL strategic orientation and the programs approved by the Governor.
• Give its opinion concerning these projects and to submit the relevant proposals. 
• Coordinate with the concerned departments, units and branches, in order to implement these projects within the specified time limits. 
• Identify the problems that hinder the projects’ implementation and to collect the relevant information and data for submission to the Governor. 
• Attend meetings that concern the projects’ implementation and to follow up the implementation of the decisions taken.
• Verify the proper implementation of the administrative memos relating to these projects, in coordination with both the Audit and Inspection Department and the Organization and Development Department.
• Submit to the Governor periodic reports on the projects’ progress.
• Follow up the implementation of BDL Intermediate Circular No 331 issued in August 2013, with a view to boost the Lebanese economy by granting facilities to banks that support Startups and Knowledge Economy, and to study all related files referred by the Governor. 
• Handle all public relations on the local and international levels, as requested by the Governor.
• Manage and consolidate the data of both the Investment Committee and the Open Market Committee.
• Examine thoroughly the employees’ loan requests referred by the Mini Bank, then to submit the relevant reports to the Governor.
• Review employees’ training needs and the reports sent by the Training Department concerning any training, and to submit the relevant proposals to the Governor. 
• Follow up personal requests submitted by BDL employees to the Governor. 
• Submit proposals for the development of BDL Corporate Social Responsibility (CSR), through the organization of social projects and events and the launching of related initiatives.
• Develop solutions, through the Executive Office Web Platform (EOWP), in order to run the BDL information and administrative work. These solutions include: the latest news (BDL Governor’s statements, press articles, and worldwide economic and financial news); BDL administrative texts (all BDL decisions, Circulars, and administrative memos, etc.); all incoming and outgoing correspondence; all training information (internal and external sessions provided to BDL employees, the participation modalities, and attendants’ reports); CPI data collector; administrative software for the Capital Markets Authority etc.
• Carry out any other specific task, upon the Governor’s request.

Director : Mazen Halawi

Role and Functions  

The Financing Unit serves as BDL’s strategic arm for:

• Interest Rate Subsidies: Administering concessional financing programs for productive sectors (SMEs, startups).
• Reserve Requirement Facilities: Granting exemptions to incentivize bank lending to priority sectors.
• International Program Coordination: Negotiating and implementing financing initiatives with global partners.

Key Responsibilities 

1. Interest Rate Subsidy 

• Application Review: Evaluates subsidy requests from banks/financial institutions for loans to:
• Agriculture | Tourism | Industry | Handicrafts | IT
• Eligibility Oversight: Ensures compliance with Circulars (80, 286, 195, etc.).
• Impact Monitoring: Tracks subsidized loans in LBP/Foreign Currency.

2- Reserve Requirement Facilities 

• Limit Approvals: Processes applications for reserve requirement exemptions linked to:
• SME/Startup loans | Housing | Education | Environment
• Regulatory Alignment: Enforces Circulars (84, 306, 291, etc.).
• Cost Reduction: Lowers interest burdens on end-borrowers.

3-  Financing Programs 

• International Coordination: Manages partnerships with:
  • Kafalat
  • EIB
  • AFD
  • IFC
  • World Bank
• Program Design: Structures funding initiatives for economic priorities.

Organizational Structure   

• Interest Rate Subsidy Divition
• Reserve Requirement Facilities
• Financing Programs

Director : Zeina Fayad 

Role and Function

To ensure cost-effective, transparent, and efficient procurement of goods and services while maintaining compliance with BDL's financial and operational requirements.

Key Responsibilities

1. Budget Planning & Needs Assessment

• Prepare annual capital expenditure budgets for fixed assets
• Analyze and consolidate purchasing needs from:
  • All BDL departments and branches
  • Banking Control Commission
  • Special Investigation Commission

2. Procurement Process Management

• Receive and process purchase requisitions
• Execute procurement according to the Governor's priorities
• Manage end-to-end tender processes:
  • Draft and publish tender notices
  • Evaluate bids for goods/services (including maintenance contracts)
  • Recommend vendor selection

3- Contract Administration

• Issue official purchase orders
• Prepare procurement contracts in coordination with the Legal Department
• Maintain records of all purchasing documentation

Director : Joseph Assaf

Role & Function 

The Retail Services Unit serves as the internal banking division of Banque du Liban (BDL), providing comprehensive financial services exclusively to BDL employees. The unit operates as a full-service retail bank, offering customized products and personalized financial solutions.

Key Responsibilitie

1. Account Management 

• Opening and maintenance of:
• Personal banking accounts
• Salary domiciliation accounts
• Processing all account-related transactions

2. Loan Services

• End-to-end processing of employee loan applications including Application review and credit analysis, Approval process facilitation and ongoing loan servicing:
  • Housing loans (mortgage financing)
  • Vehicle loans (car financing)
  • Personal loan

3- Card Services

• Issuance and management of Debit cards
• PIN generation and card replacement services

4. Insurance Management

• Administration of employee insurance programs:
  • Life insurance policies
  • All-risk insurance for financed assets
  • Loan protection insurance

5. Service Development

• Continuous enhancement of employee banking offerings
• Introduction of new retail banking products

Director: Rodolphe Mouci

Role and Function

The Unit proactively monitors and preserves the stability of Lebanon’s financial sector—with a primary focus on banking—by identifying, assessing, and mitigating systemic risks through data-driven insights and macroprudential oversight.

Key Responsibilties 

1. Systemic Risk Monitoring

• Conducts ongoing surveillance of the financial sector’s health using quantitative and qualitative indicators.
• Identifies emerging vulnerabilities (e.g., liquidity shortages, asset bubbles, contagion risks).
• Adopts a forward-looking approach to anticipate potential crises.

2. Early Warning System (EWS)

• Operates a comprehensive EWS to detect threats to financial stability.
• Integrates and analyzes data from:
  • Bank balance sheets and capital adequacy reports
  • Macroeconomic indicators (e.g., GDP growth, inflation, FX reserves)
  • Market trends (e.g., credit growth, NPL ratios, interbank rates)
  • Global/regional risk factors (e.g., geopolitical shocks, commodity price volatility

3. Policy Advisory

• Prepares analytical reports and stress-testing results for the Governor.
• Recommends macroprudential measures (e.g., capital buffers, sectoral risk limits).
• Collaborates with:
  • Banking Control Commission (BCCL)
  • Special Investigation Commission (SIC)
  • International bodies (IMF, World Bank, Basel Committee)

Director: Halim Berti

Role & Functions

The Public Relations & Communications Unit serves as the official voice and media liaison of Banque du Liban (BDL). Its primary mission is to:

• Manage BDL's public image and media relations
• Disseminate official communications and financial information
• Enhance public engagement through digital and traditional media channels

Key Responsibilities

1- Media Relations

• Serve as the primary contact for local and international press
• Coordinate all media interactions and interviews upon the Governor's request
• Publish BDL advertisements in collaboration with media outlets

2- Digital Communications

• Manage and update BDL's official website content
• Oversee all official social media platforms (Facebook, Twitter, Instagram, YouTube)
• Post daily banking/financial sector news excerpts and full-text articles
• Display BDL activities on electronic screens across all building

3- Publications & Events

• Distribute BDL publications (memos, brochures, articles) to targeted media
• Organize conferences and seminars (both internal and external)
• Ensure cross-departmental coordination for website content updates

Director: Abbas Awada