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Management

Farid RAPHAËL
H.E. Mr. Farid RAPHAËL (1933-2014)
Founder and Chairman General Manager of Banque Libano-Française from 1979 to 2014

Board of Directors
Mr. Walid RAPHAËL, Chairman of the Board 
Born in 1971
Chairman since September 2014
Term expires at the 2018 Annual General
Meeting of Shareholders
Chairman of the Board Member of the Board Risk Committee
Member of the Board Compliance Committee

Chairman of the Board of Directors since September 2014 and General Manager of the Bank since March 2010, Chairman and General Manager of Libano-Française Finance and Member of the Board of Banque SBA and LF Finance (Suisse), Mr. Raphaël began his banking career in 1995 at Credit Agricole Indosuez, where he held several positions in both Paris and London, in the International Project Finance Department and in capital markets covering emerging markets. He joined the General Management of the Bank in 2004 and was elected member of the Board of Directors and appointed Deputy General Manager in April 2006. Mr. Raphaël is also member and secretary of the Board of the Association of Banks in Lebanon. He received a Master’s degree in Law from PanthéonAssas University (France), a Masters diploma in Banking and Financial Law from PanthéonSorbonne University (France), and a MBA from INSEAD (France).
Mr. Elie NAHAS, Group Chairman 
Born in 1944
Director since April 2006
Term expires at the 2018 Annual General
Meeting of Shareholders
Chairman of Group Banque Libano-Française
Member of the Board Risk Committee
Member of the Board Compliance Committee

Member of the Board of Directors since April 2006, Mr. Nahas has been the General Manager of the Bank since 2004 and was Vice-Chairman between 2010 and 2014. He was elected Chairman of Group Banque Libano-Française in September 2014. He began his career in banking with ABN AMRO in 1964 and was Country Manager Lebanon from 1986 to 2002. Mr. Nahas was General Manager and Member of the Board of Directors of Byblos Bank between 2003 and 2004. He was a member of the Board of Directors of the Lebanese Bankers’ Association from 1987 to 1990. He was Honorary Consul General of Netherlands in Lebanon from 1988 to 2010. Mr. Nahas was recognized by H.M. Queen Beatrix of the Netherlands as “Grootmeester der orde van Oranje-Nassau” in 1997. He graduated from Saint-Joseph University in Beirut with a degree in Economics and Banking.
Mr. Zafer CHAOUI 
Born in 1947
Director since June 1991
Term expires at the 2018 Annual General
Meeting of Shareholders Non-Executive Director
Member of the Board Risk Committee
Member of the Corporate Governance and Remunerations Committee

Member of the Board of Directors, Mr. Chaoui is a businessman. He has been Honorary Consul General of Finland in Lebanon since 1996. He is also Chairman and a Board Member of various industrial and commercial companies and acts as an agent in Lebanon and in several Arab countries for major international companies. Mr. Chaoui was recognized as “Commander of the Finnish Lion” in 2001, received the “Finnish Army Medal” in 2001, and the “Medal of the Catholic Church of Jerusalem” in 2006. He graduated from Saint-Joseph University in Beirut with a degree in Economics.
Mr. Philippe DORÉ 
Born in 1966
Director since April 2008
Term expires at the 2020 Annual General
Meeting of Shareholders
Independent Non-Executive Director
Chairman of the Board Risk Committee
Chairman of the Corporate Governance and Remunerations Committee
Member of the Audit Committee

Mr. Doré is a Director at Financière de Courcelles a corporate finance advisory firm based in Paris. Mr. Doré was until September 2010, Assistant Director in the International Division at Credit Agricole France. He graduated From Ecole Nationale des Ponts et Chaussées (France) with a degree in Civil Engineering.
Mr. Samer ISKANDAR 
Born in 1967
Director since 2017
Term expires at the 2020 Annual General
General Meeting of Shareholders
Independent Non-Executive Director

Dr. Iskandar is an international academic, consultant and investor with more than 20 years of experience in capital markets, corporate finance and corporate governance. From 1989 to 1994, he was a Fund Manager at BAII in Paris (BNP Paribas Group). Between 1996 and 2001, Dr. Iskandar was a Senior Writer and Editor at The Financial Times in London, Brussels and Paris. In 2001-2003, he was an Executive Director at Euronext Group, Europe’s largest stock exchange. Between 2006 and 2009, Dr. Iskandar advised leading companies in the Middle East, such as Solidere International and Medgulf Insurance, on their corporate governance and financial structure. Since 2010, Dr. Iskandar has been an Affiliate Professor of finance at ESCP Europe in Paris, and teaches regularly at ESA Business School and the Institute for Finance and Governance in Beirut. He is a graduate of the London School of Economics, holds an Executive MBA from ESCP Europe and a PhD in Finance from Panthéon Sorbonne University (France).
Mr. Habib LETAYF 
Born in 1934
First elected to the board in 1979
Term expires at the 2018 Annual General
Meeting of Shareholders
Independent Non-Executive Director
Chairman of the Board Compliance Committee

Member of the Board of Directors, Mr. Letayf was the General Manager of the National Council for Touristic Development in Lebanon from 1964 to 1984, Attaché to the Lebanese Embassy in Paris from 1985 to 1992, and Chairman and General Manager of Casino du Liban from 1992 to 1999. Mr. Letayf holds a degree in Economics.
Me. Philippe LETTE 
Born in 1948
Director since April 2006
Term expires at the 2018 Annual General
Meeting of Shareholders Non-Executive Director
Member of the Audit Committee
Member of the Corporate Governance and Remunerations Committee

Member of the Board of Directors, Mr. Lette is an international commercial lawyer with offices in Toronto, Montréal, Paris and Geneva. He is a Board Member of various companies. Mr. Lette received a Bachelor of Civil Law from McGill University (Canada), a Masters diploma in Law from University of Bordeaux (France), a Masters diploma in Comparative Private Law from Panthéon-Sorbonne University (France), and a LLM from Faculté Internationale pour l’Enseignement du Droit Comparé (France).
Dr. Marwan NSOULI 
Born in 1938
Director since May 2014
Term expires at the 2020 Annual General
Meeting of Shareholders
Independent Non-Executive Director
Chairman of the Audit Committee
Member of the Board Compliance Committee

Dr. Nsouli is an international lawyer specialized in the Banking and financial sector. Dr. Nsouli was Vice-Governor of the Lebanese Central Bank, “Banque du Liban” from 1998 to 2008. During those years, Dr. Nsouli represented the “Banque du Liban” at the IMF, World Bank and the AMF (Arab Monetary Fund). Prior to joining BDL, he was Chief Counsel for the IFC from 1996 to 1998. Dr. Nsouli holds a Phd degree in Law from Paris V- René Descartes University (France) and a Masters in Comparative Law from New York University (USA).
Mrs. Raya RAPHAËL NAHAS 
Born in 1973
Director since April 2010
Term expires at the 2019 Annual General
Meeting of Shareholders Executive Director
Member of the Board Risk Committee
Member of the Board Compliance Committee

Member of the Board of Directors since April 2010, she serves as General Manager of the Bank since September 2014. Mrs. Nahas began her career in banking at Banque Libano-Française in 1997 as a Financial Analyst and subsequently, has taken responsibilities in project finance, investment banking, retail banking and bancassurance. She was elected member of the Board of Directors and appointed Deputy General Manager in March 2010. Mrs. Nahas founding Member of LIFE (Lebanese International Finance Executive). She chairs the Promote Pillar of this non-profit association that seeks to channel the influence and expertise of its members to help them connect, promote Lebanon and its economy and nurture the next generation. Mrs. Nahas received a degree in Economics and a Masters in Financial Management from Paris-Dauphine University (France) and a Masters diploma in Money, Banking and Finance from Panthéon-Sorbonne University (France).


General Management
Executive Committee

Walid RAPHAËL
Chairman and General Manager

Elie NAHAS
Group Chairman and General Manager

Raya RAPHAËL NAHAS
General Manager

Elie AOUN
Assistant General Manager,
Middle-Market Banking

Hoda ASSI
Assistant General Manager,
Corporate Banking

Josephine CHAHINE
Assistant General Manager,
Risk Management

Philippe CHARTOUNY
Assistant General Manager,
Organization, Information Technology & Security

Maurice ISKANDAR
Assistant General Manager,
International

Charles SALEM
Assistant General Manager,
Private Banking & Wealth Management

Georges KHOURY
Assistant General Manager,
Treasury & Capital Markets
 

Marwan RAMADAN
Assistant General Manager,
Branch Network

 

Business Development Divisions

Marwan RAMADAN
Branch Network
 

Hoda ASSI
Corporate Banking

Elie AOUN
Middle-Market Banking

Charles SALEM
Private Banking & Wealth Management

Georges KHOURY
Treasury & Capital Markets
 

Maurice ISKANDAR
International
 

Moustafa ALWAN
Loan Remediation
 

Myrna WEHBE
Cards Services
 

Ronald ZIRKA
Marketing and Retail
Management and Support Divisions

Josephine CHAHINE
Risk Management

Zahi AZOURI
Credit Risk

Philippe CHARTOUNY
Organization, Information Technology & Security
                       

Ghassan SAWAYA
Information Technology
 

Philippe CHARTOUNY
Organization & Strategic Planning


Iskandar AOUN
Security

Nada KHAYAT
Operations
 

Jean MEDLEGE
Fiscal Administration and Financial Affairs

Walid ISSA
Finance

Tania RIZK
Communications, CSR and Customer Experience

Georges BEHLOCK
Human Resources
 

Gabriel RIZK
General Services
 

Said GEBRAN
Compliance

Maya HARDINI ABBOUD
Legal Compliance

Youmna NASSIF BOU-RIZK
KYC Intelligence
 

Fady LAHOUD
Internal Audit

Marc de CHADAREVIAN
Legal Advisor
 

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