the
name and background of the basic information of the bank
Founded in 1953 as Banque Belgo-Libanaise, SGBL was founded by Antoun Mikhail Sehnaoui in collaboration with the Bank of Belgium. Currently, the bank is controlled by the Antoun Sehnaoui family, with Antoun Sehnaoui himself as chairman. SGBL is a private commercial bank and is not listed on the stock exchange. Its headquarters are located in Beirut, Lebanon.
Scope of
ServicesSGBL has 91 branches in Lebanon, serving more than 300,000 customers and employing more than 2,000 people. With operations in Lebanon, Jordan, Cyprus, the UAE and parts of Europe, it offers a full range of services including retail banking, corporate banking, investment banking and private banking.
Regulation &
ComplianceSGBL is regulated by the Central Bank of Lebanon (Banque du Liban) and complies with relevant financial regulations. In addition, the bank is a member of the Lebanese Banking Association and is committed to maintaining the stability of the financial system and the interests of its customers.
financial healthCapital
adequacy ratioAs
of now, SGBL's capital adequacy data has not been publicly disclosed. However, as a banking group operating in multiple countries, its capital management should comply with local regulatory requirements.
Non-performing loan ratioRegarding
the non-performing loan ratio of SGBL, there is no specific data available at present. However, according to the overall situation of the Lebanese banking sector, banks are generally facing a certain amount of non-performing loan pressure.
Liquidity Coverage Ratio
(LCR) data for SGBL is not publicly available. However, as a diversified bank, it should have a liquidity management mechanism in place to cope with market fluctuations.
Deposit & Loan
ProductsDeposit
ProductsSGBL offers a variety of deposit products, including demand and time deposit accounts. The specific interest rate information is not disclosed in public channels, and customers are advised to contact the bank directly to obtain the latest interest rate information.
Loan products
Car Loan (SOGECAR): Fixed APR starting at 3.90%, loan terms from 1 to 6 years, minimum loan amount of $5,000, and down payment of 25% of the vehicle price.
PERSONAL LOAN (SOGERALOAN): SUITABLE FOR EMPLOYEES AGED 18 TO 64 WITH A STABLE INCOME, THE SPECIFIC INTEREST RATE AND LOAN TERM ARE SUBJECT TO THE CUSTOMER'S SITUATION.
List of common
feesSGBL's fee structure includes account management fees, transfer fees, overdraft fees, ATM interbank withdrawal fees, etc. For specific fee standards, customers are advised to refer to the bank's official website or consult the bank directly for the latest information.
digital service experience
APP and online banking
SGBL's mobile banking app support functions such as account inquiry, real-time transfer, bill management, investment tool integration, and face recognition login. However, based on user feedback, there is room for improvement in terms of user experience and performance.
Technological
InnovationSGBL is committed to digital transformation, providing online banking services and continuously optimizing its digital platform to enhance the customer experience.
customer service
quality service
channelSGBL provides customer service through multiple channels such as phone, live chat and social media. Customers can use these channels to obtain banking product information, solve account problems, and more.
Complaint
HandlingSGBL attaches great importance to customer feedback and has a complaint handling mechanism in place to ensure that customer problems are resolved in a timely manner. Specific complaint rates and average resolution time data are not disclosed in public channels.
Multi-language supportGiven
that SGBL operates in multiple countries, the bank provides multilingual services to meet the needs of different customer groups.
security
measuresFunds SecuritySGBL takes a number of measures to ensure the safety of customer funds, including real-time transaction monitoring and anti-fraud technology. In addition, banks comply with the deposit insurance regulations of the relevant regulatory authorities to protect customer deposits.
Data
SecuritySGBL attaches great importance to information security management and is committed to protecting the confidentiality, integrity, and availability of customer data. Whether or not it is ISO 27001 certified is not disclosed in public channels.
Featured Services & Differentiated
Segment
ServicesSGBL offers a wide range of banking products to meet the needs of different customer segments, including personal banking, corporate banking, investment banking and private banking services.
High Net Worth Services
SGBL's private banking services provide customized wealth management solutions for high net worth clients, covering investment advisory, asset allocation, etc.
Market Position &
AccoladesIndustry
RankingSGBL is one of the leading banks in Lebanon with a significant position in terms of asset size and customer base.
Awards & Accolades
SGBL and its parent company, Société Générale Group, have received a number of accolades worldwide, including "Best Commodity Trade Finance Bank", "Best ESG Bank", etc.
