Bank Audi is one of the oldest and largest banks in Lebanon, founded in 1830 and headquartered in Beirut. As a company limited by shares (Société Anonyme Libanaise), Bank Audi is listed on the Beirut Stock Exchange and has more than 1,500 shareholders, including ordinary shareholders and holders of Global Depositary Receipts (GDRs). Its major shareholders include the Audi family and Kuwaiti investors. As of March 2025, Bank Audi has total assets of 131,129.8 billion Lebanese pounds and more than 1,650 employees.
CoverageBank
Audi operates in Lebanon, Europe (Switzerland, France) and the Middle East and North Africa (Saudi Arabia, Qatar, United Arab Emirates). In Lebanon, Bank Audi has 73 regular branches and 2 private banking offices, with a total of 157 branches operating in the MENA region. The Bank offers a comprehensive range of financial services, including consumer banking, corporate banking, private banking, investment banking, insurance, wealth management, credit cards, mortgages, and capital markets services.
Regulation & ComplianceBank
Audi is regulated by the Banque du Liban and follows international financial regulatory standards. However, in 2024, the Swiss Financial Market Supervisory Authority (FINMA) opened an investigation into Bank Audi's branch in Switzerland and denounced it for serious anti-money laundering violations.
Financial HealthAs
of September 2021, Bank Audi has a common equity Tier 1 (CET1) ratio of 10.5%, a Tier 1 ratio of 13.1% and a total capital adequacy ratio of 14.8%. However, 2025 data shows that its capital adequacy ratio fell to 7.73%. In addition, Bank Audi's non-performing loan ratio is 20.86% as of 2025, indicating that asset quality is under pressure.
Deposit & Loan ProductsDeposit
Category: Bank Audi offers a wide range of deposit accounts in major currencies with interest rates based on account balance, tenor and currency type, with fixed deposit terms of 1, 2, 6 months or longer.
Loans: Bank Audi offers a variety of loan products, including:
new car loans: interest rate of 7%, loan tenure of up to 5 years, and minimum down payment of 25%.
Used Car Loans: Interest rates are 8%, loan terms are up to 5 years, and a minimum down payment of 25%.
Personal Loan: The interest rate is 15.5%, the loan term is 4 years, and the annualized percentage rate (APR) is 19.25%.
Housing Loans: Subsidized housing loans with an interest rate of 3.84% are available to Lebanese residents and expatriates in a home that is the primary residence.
List of common fees
Bank Audi's fee structure includes account management fees, transfer fees, overdraft fees, and ATM interbank withdrawal fees, among others. The specific fees vary depending on the type of account and the type of transaction, and customers are advised to consult in detail before opening an account.
Digital Service ExperienceBank
Audi has launched a digital banking platform called "neo", which offers a comprehensive range of online banking services, including:
- real-time transaction notifications
for secure logins via biometrics
Bill Pay & Account Management
Official Account Statement Generation (with QR Code Verification)
24/7 Customer Support
However, some users have reported that the app lacks optimization on some of the new iPhone devices, affecting the user experience.
Customer Service QualityBank
Audi offers multi-channel customer service, including 24/7 phone support, online chat, and social media response. Customers can submit complaints through the official website, and the bank promises to deal with and respond as soon as possible.
Security MeasuresBank
Audi emphasizes the security of customer funds and data by implementing a number of measures, including:
real-time transaction monitoring
fraud prevention technology
Customer Data Protection PolicyIn
addition, the bank reminds customers to be wary of phishing emails to avoid revealing sensitive information.
Featured Services & DifferentiationBank
Audi offers a wide range of financial products to meet the needs of different customer segments, including:
Student Accounts: Fee-free account options are available
Exclusive wealth management products for the elderlyGreen
financial products, private banking services to support sustainable investment
for high-net-worth customers, and provide customized financial solutionsMarket
position and accoladesBank
Audi is a leader in the Lebanese banking industry and has received a number of accolades, including:
"Best Wealth Management Bank in the Middle East" (Euromoney, 2016) and
"Safest Bank in Lebanon" (Global Finance Magazine)
These awards reflect Bank Audi's excellence in financial services and customer trust.
