issueNº52012

Outreach to Members Fransabank in Washington during IMF Summit

Local ReachFirst Bank to Launch Wi-Fi Services in its Branches

Business DevelopmentInnovative Najah Women Business Loan90 Years Kick-Off

The Green BankSigning the Green Pledge

The Citizen BankRoads for Life Fund Raising ConcertMemorable Summer Evening with George Benson

issueNº52012

© 2012 All rights reserved. Copying forother than personal or internal referenceuse without express written permissionfrom Fransabank Group is prohibited.

CONTACT US- We need your input.Please contact us with any suggestions or comments at:marketing@fransabank.com

CONTENTS

04

Letter to Rea

der

09Lo

cal R

each

• Branch 108 on th

e List of the Biggest Local Branch Network

• New

Branches' Architecture / Look

• First B

ank to Launch Wi-Fi Services in its Branches

• A New

Customer-Oriented Unit: retail@fransabank

• 2 Awards for Fransabank by Lebanon Opportunities magazine

14

Business Dev

elopmen

t • FIB Dealer Manager for the Republic of L

ebanon

• iPad 2 Winners with Fransabank’s MasterCard Cards

• More Winners with Visa Infinite and Platinum

• Innovative Najah Loan for Business Wom

en

06

Outrea

ch to M

embers

• Fransabank in Washington during IM

F Summit

• Fransabank in th

e « Journée des Banques Libanaises à Paris »

• Fransabank Syria: 3 new

Branches

• Exceptional 0% credit for Manasseh Clients

• With th

e Medical Sector…

And th

e Educational Sector

• Funding of MEA

’s New

Airbus

• Fransabank Partner of E

conomic and Banking Forum

s

28Our Pe

ople, O

ur Assets

• Growing the Culture of Inclusion

• Fransabank End-of-year Children Event 30

90 Yea

rs Anniversary

• 90 Years Kick-Off

• 90 Years’ Staff Gala Dinner

21

The Citizen

Ban

k• Honoring the Press

• Supporting the Public Sector

• The Green Bank

• For Safer Roads with KunHadi

• Roads for Life Fund Raising Concert

• Mem

orable Sum

mer Evening with George Benson

• Music from

the World

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Dear Valued Reader,

In 1921, Fransabank’s journey began in Allenby Street at the heart ofBeirut. We are the First registered Bank in the country, holding the no.1 on the list of operating banks in Lebanon.

Throughout nine decades, we have witnessed Lebanon’s evolvinghistory, contributing to its prosperity and growth.

Today, marking our 90th anniversary, we launch a year of celebrationsrich of corporate, economic and cultural events.

The start of this special year was marked by our new TV commercialwhere we wanted to tell a story; but not any ordinary story. As the firstestablished Lebanese Bank, we wanted to communicate the fact thatthroughout nine decades we witnessed every event that marked ourcountry and shaped it to what it has become today.

The main heroine of the campaign is a young girl who witnesses 90years of Lebanon’s history, and interacts with key figures who markedthis history, while keeping her same physical look and appearance,revealing that Fransabank kept young throughout the years. Our promise'Tomorrow Starts Now' is thus symbolized throughout the ad byaccompanying people and sharing their aspirations and participating inbuilding their Tomorrows for the years to come. The young girl conceptwas also adapted to all other medias.

In addition, we partnered with the famous film-maker PhilippeAractingi to produce a documentary that tells the story of our Bank.With a special emotional touch, it shows the achievements andsuccesses in the legacy of Fransabank over 90 years.

Today, we start the new 2012 year with pride about every milestone weachieved together and aspire to build, hand-in-hand, more promisingTomorrows.

Fransabank Family

Letter to Reader

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Outreach to Members

Fransabank in Washington during IMF Summit

As a major actor of the Lebanese banking sector, Fransabank participatedin the “Lebanese Banks’ Evening Reception” in Washington DC onSeptember 23, 2011 taking place as part of the 2011 IMF World Bankmeetings in Washington.

This event, organized by TheBanker Magazine, in partnershipwith the Association of Banks inLebanon (ABL), brought togetherleading figures from theLebanese banking community. Itallowed attendees to discoverthe opportunities offered by theLebanese prospering economy.Indeed, as a result of prudentregulation and sound managementpractices, Lebanon’s bankingsector stands apart from itspeers in the region as it hasemerged from the global financialcrisis in good health.

In his allocution, Mr. Adel Kassar- Deputy Chairman and ChiefExecutive Officer of Fransabank –explained that Fransabank Grouphas built up its core strengths tofurther advance and consolidateits leading position in the bankingsector whether locally, regionallyand internationally on a multi-dimensional business develop-ment strategy. This was achievedthrough very selective regionaland international expansionstrategy, acquisitions and mergers,

product diversification and localand regional branch networkexpansion.

He added that Fransabank Groupcontinues to adopt and implementprudent and conservative policiesto further develop its managementpractices, to consolidate itsfinancial strength and to maintainhigh asset quality. These includecontinuous and strict complianceto local and international regulatoryrequirements, advanced riskmanagement and corporategovernance norms and standards,as well as the implementation ofinternational standards on fightingmoney laundering.

Fransabank Chairman H.E. Mr. Adnan Kassarwith some of the select participants

As a constant and essentialparticipant in internationalbanking events, Fransabank waspresent at the conference "Day ofLebanese Banks in Paris” hostedon October 27, 2011 at The WestinParis-Vendôme. The event wasan exceptional opportunity topromote bilateral cooperationbetween the Lebanese andFrench banks. Lebanese banks,whose reputation goes farbeyond the borders of theircountry, are engaged in a strategyto expand regionally and interna-tionally - many of them have setup subsidiaries in France - andposition themselves as partnersfor Europeans groups who wantto strengthen their presence inthe Eastern Mediterranean.

This session was organized bythe Association of Banks in

Fransabank in the « Journée des Banques Libanaises à Paris »

Lebanon (Association desBanques du Liban) and theFrench Banking Federation(Fédération Bancaire Française),in the presence of the FrenchMinister of Economy Finance andIndustry, H.E. Mr. FrançoisBaroin, the Lebanese Minister ofFinance, H.E. Mr. MohammadSafadi, the Governor of theCentral Bank of Lebanon, Mr.Riad Salameh, and the first Vice-Governor of the Banque deFrance, Mr. Jean-Paul Redouin.

Fransabank was represented byits Secretary General, Mr. NabilKassar who stressed in hisspeech that Fransabank Group’srelationship with France is 90years old. Indeed, Fransabankoriginates from from the firstbank established in Lebanon in1921: The "Credit Foncierd’Algérie et de Tunisie”.

He added that FransabankFrance continues to expand inbusiness volume and profitability.This development is supported byits two banking shareholders,and by the cautious and rigorousmanagement policy to which ithas striven since its foundation.

Fransabank France providesservices and banking products tocustomers located in Europe, theMiddle East and West Africa.Thanks to the synergies developedwith its two shareholders, it playsan important role withinFransabank Group, being locatedin one of the main markets ofEurope and the world.

Fransabank Group invited someof its corporate customers to thedinner organized on this occasionand which was attended by morethan 230 persons.

H.E. Mr. Riad Salameh during his speech Mr. Nabil Kassar during his speech View from the dinner

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Fransabank Syria: 3 New Branches

Despite the difficult situation in Syria, Fransabank Syria pursued itsbranch network expansion strategy in 2011.

In April, the Bank opened its 7th branch in Latekia - Yarmouk Street - thusreinforcing its presence in the coastal regions. Only a few months later, inJuly, the 8th branch of the Bank was opened in Sitt Zeinab region - SafirHotel - allowing Fransabank Syria to cover its sixth Mouhafaza; RifDimashq. Finally, in October, the new external branch based in theBaramki free zone of Damascus increased the number of branches to 9.

Outreach to Members

High Standards Procedures

In March 2011, Fransabank Syria set up a contingency plan comprising itspolicies, measures and procedures in order to ensure the Bank’sbusiness continuity under all circumstances.

The plan covers all key issues and measures: Information &Communication Technology, Electrical and related, Liquidity, Credit &Lending, AML, Transfers & Payments, Premises, etc.

In addition, Fransabank Syria has reinforced its Risk functions in order toensure an advanced level of operational control, a tight credit riskhandling and a higher level of liquidity while ensuring continuous marketrisk monitoring.

Branch 108on the List of the Biggest Local Branch Network

Fransabank Group while holding the first rank in terms of local branchnetwork continues its proximity strategy towards its clients. In a continuousdesire to always be closer to them, Fransabank Group opened in August2011 its 108th branch in Hamra - Sadat under its Fransabank SAL list ofbranches.

The launching was supported by a marketing promotional campaignentitling all new clients to enter a draw and win valuable prices.

Local Reach

Recently Inaugurated Hamra - Sadat Branch

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New Branches’ Branding

Fransabank’s customer care strategy regarding the branchesfocuses primarily on a better service and an increased accessibility.In line with this, Fransabank has initiated a wide plan of relocationand rebranding for its branches.

The rebranding consists of new standards: new signage, new façadeand new decoration. The first Branch to undergo this “relooking”was Ain Mreisseh that remained at the same address (NawrassBuilding - Main Road) and has been fully operational sinceDecember 2011.

It was followed by Chekka and Zouk branches which relocated innew premises on this occasion.

The inauguration of these 3 new Branches falls within the Group’sstrategy to portray Fransabank’s dynamic and modern image andinsure the offering of the utmost array of products and services tothe largest number of individuals and companies.

Local Reach

Ain Mreisseh Branch

Fransabank has always strivedto make service in its branchesas comfortable for its cus-tomers as possible. Followingthe increased interest in variousIT innovations, Fransabank isopening the free access to thevast spaces of the Internet inits branches, where, amongother things, the customerswill easily find information onthe bank’s website(www.fransabank.com) andaccess the bank’s latest newson its Facebook page and the90 Years Anniversary news ona specially dedicated website:www.fransabank.com/Fransabank90.

In December 2011, Fransabanksuccessfully launched a pilotproject in its Hamra branchwith the access to free Internetfor customers through iPads 2.The access is permittedthrough a password which canbe obtained from the teller area.

First Bank to Launch Wi-Fi Services in its Branches

This project will expandthroughout Lebanon in order toequip around 10 large branchesby the end of the year.

This new action is part ofFransabank business strategyto develop the use of modern

means of communication forbanking. Indeed it was amongthe first Lebanese banks tolaunch its "ibank", the Internetbanking solution, and stillholds the most advanced servicein this field.

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Local Reach

A New Customer-Oriented Unit:

retail@fransabankAs part of the proximity strategy with the clients that has been Fransabank’smajor asset throughout the years, the Bank created a new concept of service:retail@fransabank.

Located on Hamra main street, on the ground floor of Fransabankheadquarters' Center, this section is fully dedicated to clients’ servicing.

The mission of this unit is to recruit new clients, sell Fransabank’sproducts and services and answer all the clients’ requests. It catersto individuals and professionals.

The idea behind this innovative concept is to strengthen and support theBank’s relationship with its clients in order to maximize their satisfactionwhile optimizing the Bank’s return.

retail@fransabank is one of the most dynamic units within the Bank. It isan active unit which always develops new actions and new sales planningwhile providing fast service and effective answers.

In order to answer all these requests, it is constituted from 3 sections:

- Sales Advisors - Customer Service - E-Lounge

2 Awards for Fransabank by Lebanon Opportunities Magazine

• The Widest National Outreach Award

This award is dedicated to the Group’sfirst ranking in terms of local branchnetwork with 108 branches spread allover the country.

• Best New Retail Banking Product orService Award

This award is bestowed forFransabank’s Energy Loans’ initiativeand its nationwide success. It alsodemonstrates the Bank’s commitmentto develop innovative products that meetthe needs of society and customers.

Launched in March 2011, the EnergyLoans are a series of loans for bothconsumers and businesses whether tobenefit from energy power efficiency athome or at the office, or to developenvironmental friendly projects. Theyare the perfect solution to save moneyand energy!

Fransabank Group was granted 2 National Achievement Awards by theleading Lebanon Opportunities magazine within the LebanonOpportunities National Achievements Awards for Banking:

These awards assert Fransabank’s continuous dynamism and innovationin banking!

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Business Development

FIB Dealer Manager for the Republic of Lebanon

The issue was highly successful. Among the most impressive achievements were:

• The long term maturities of the new Notes issued: 7, 8 and 15-year

• The aggressive pricing of the new Notes

• The book size. A high average oversubscription rate of almost three times ofadditional Notes was recorded.

• The aggregate participation rate of 64.3%. Compared to the 58.53% participationrate of the voluntary exchange offer realized in April 2008 , the participation rateof this exchange is even more significant, given that:

- The country in April 2008 was encountering a lesser adverse situationthan today

- The coupon of the new issued Notes in 2008 was higher or almostequal to the coupons of the three Original Notes exchanged (9.00%versus 7.00%, 7.375% and 10.125%)

- The exchange in 2008 was for medium term new Notes (6-year)whereas the exchange in 2011 was for much longer maturities newNotes (going to 15-year).

(1) In April 2008, the three original Notes of US$7.00% maturing in May 2008, US$7.375% maturing inJune 2008 and US$10.125% maturing in August 2008 were submitted to a Voluntary Exchange Offer fornew Notes of US$9% maturing in May 2014

Once again, FIB proves its professionalism, high competitiveness and efficiency.

Fransa Invest Bank S.A.L., FIB, was selected as joint lead manager along with twoother international banks, Deutsche Bank and Standard Chartered Bank, to actas Dealer Managers for the Republic of Lebanon’s Voluntary Debt Exchange forEurobonds maturing in 2012, totaling US$ 1.98 billion. The purpose of theexchange offer was to proactively conduct liability management operations,increase the Republic’s financial flexibility and extend its debt maturity profile.

The aggregate participation rate for the exchange offer was 64.3%. In details,$668,720,000 and €420,942,000 face value of notes maturing in 2012 wereexchanged into new longer-dated notes.

In addition to the new Notes being issued pursuant to the voluntary exchangeoffer, the Lebanese Republic issued additional Notes amounting US$238,3 millionfor cash. As such, total Notes issued reached US$1,468 million broken down asfollows: €445 million bonds maturing in November 2018 with a coupon rate of5.35%, US$ 375 million bonds maturing in November 2019 with a coupon rate of5.45%, and US$ 375 million bonds maturing in November 2026 with a coupon rateof 6.60%.

iPad 2 Winners with Fransabank’s MasterCard Cards

Between August 22 and October16, 2011, each time a client usedhis Classic, Gold, PayPass,Business, World or PlatinumMasterCard® for his purchases,in Lebanon and abroad, and eachtime a customer applied for a newFransabank MasterCard® card,he entered a draw to win an iPad 2of 64 GB.

For the whole duration of thisoperation (60 days), one customerwon an iPad 2 every day!

With this special promotion onFransabank MasterCard® cardsunder our loyalty programs andour wide range of payment cardscollection, customers turned theireveryday spending into arewarding experience!

Moreover, this operation high-lights the importance of the jointeffort between Fransabank and

MasterCard which constitutes amere reflection of the solidcooperation and long relationshipbetween Fransabank andMasterCard, and of the confidencegiven by MasterCard toFransabank due to its pioneeringrole in the local and the regionalpayment cards markets.

The choice of the iPad 2 as a giftwasn’t made randomly. By providingthe most modern device and thelatest standards of technology toits customers, Fransabank seeksto accompany them wherever theyare and allow them to access theirbank accounts with ease.

On a larger scale, all the paymentcard campaigns carried out byFransabank throughout the yearare a confirmation of the ongoingquest to provide the best to itsclients and serve them withexcellence.

With a permanent observational eye on the Lebanese consumers’ behaviors, Fransabank always creates newopportunities that answer the latest wishes of its clients.

During the distribution of iPad 2 to winners

More Winners with Visa Infinite and Platinum

As part of its proximity strategy and high fidelity to its clients, Fransabankwas one of the first Lebanese banks to go beyond his local frontiers toaccompany clients all over the world.

In line with this strategic axis, Fransabank launched a new promotion on itscredit cards. Each client using his Fransabank Visa Infinite or Visa Platinumcards when travelling abroad from July 1st to September 30th, 2011, entereda draw to win his next trip valued at USD 10,000.

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Business Development

Innovative Najah Loan for Business Women

Fransabank has always been anactive member of the Lebanesecommunity and continuouslyseeks ways to participate inimproving the lives of the citizens.Especially when it comes towomen, a lot can still be done. Inorder to encourage them fulfilltheir dream of starting up theirown business and workingindependently, Fransabankjoined hands with the “NationalCommission for LebaneseWomen” (NCLW). Together theyespecially tailored the Najahloans for women, which areMicro-Credit and Kafalat loanswith very appealing conditions.

The cooperation agreement wassigned during a press conference,between the President of theNational Commission for

Lebanese Women (NCLW), theFirst Lady Wafaa Sleiman –represented by Fadi Karam, Esq.,NCLW Secretary General – andthe Chairman & GeneralManager of Fransabank Mr.Adnan Kassar – represented byMr. Philippe El Hajj, DeputyGeneral Manager at Fransabank.

The conference was attended bykey officials from both institutionswith a select panel of journaliststhat gathered around a celebrativecocktail reception.

With the Najah Loan, Fransabankendorses women empowermentin Lebanon by helping themshape both a better career and abalanced economy!

H.E.Mr. Adnan Kassar during his speechSigning of the agreement

between Fransabank and NCLW

Exceptional 0% Credit for Manasseh Clients

Fransabank has concluded an exclusivepartnership with Manasseh for a personalloan that is timely and meets theexpectations of consumers for thefestive period. Indeed, this loan allowsany client of the Manasseh shops topurchase items of their choice benefitingfrom a free payment facility from 6 to 12months. Fransabank thus enables theconsumers to make valuable gifts whilespreading out their payments with anexceptional interest of 0%.

This partnership was launched duringthe opening ceremony of Menassah newshop in down town Beirut mid-November.

Manasseh offers a wide range of luxurybrands such as: Christofle, Baccarat andBernardaud.

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Business Development

With the Medical Sector…

Fransabank has always seen the medical sector as an essential asset of theLebanese society and a major social actor. In continuous cooperation effortswith it, the Bank participated in the Syndicate of Dentists Exhibition and theOsteoporosis Congress.

… And the Educational Sector

Always supportive of the educational sector, Fransabank sponsored theHigher Education International Conference (HEIC 2011) organized by theModern University of Business & Science (MUBS) for the third year in a rowat the Crown Plaza Hotel.

The event was placed under the auspices of the Lebanese Minister ofEducation & Higher Education His Excellency Professor Hassan Diab, andgathered MUBS team members, guests form the General Security Forcesand VIP clients (local and international).

During the conference that was followed by a cocktail reception, Mr. PhilippeHajj, Deputy General Manager – Head of Retail Banking received aCommemorative Plate on behalf of Fransabank.

Mr. Philippe El Hajj and membersof his team during the exhibition

Funding of MEA’s New Airbus

As a confirmation of their mutual and leading commitment to the serviceof the national economy, Deputy Chairman of Fransabank Group Mr. AdelKassar and Chairman - Director General of Middle East Airlines (MEA)Mr. Mohammad El Hout signed a new agreement at the Bank’s headquartersfor funding the purchase of a new Airbus A320-232 aircraft, worth USD 32million by Fransabank. Through this agreement, the number of aircraftsfunded by Fransabank to the favor of MEA sums up to four with acumulative value of USD 157 million.

During the press conference

On this occasion, Mr. Adel Kassardeclared: " At Fransabank, wehave always aimed at confirmingour commitment and full role inthe development of the nationaleconomy through the largestlocal branch network thatextends from the border to theborder, and an internationalnetwork that transcends thenational borders to contribute tothe promotion of the real imageof Lebanon: Lebanon of the greatcivilization and modernity.During our meeting today, weonce again assure our commitmentto our leading role in the serviceof the national economy and its

various vital sectors in general,and the tourism sector in par-ticular; specifically supporting theMiddle East Airlines in theirvision and aspiration to turnLebanon into a meeting point forall people and to play an essentialrole in securing the communicationbetween the Lebanese residents,expatriates, Arabs and ourfriends around the world.”

Mr. Mohamad El Hout in turnexpressed his “gratitude toFransabank, represented by itsChairman and members of theBoard, for the trust they haveplaced in the national carrier,considering that this initiative willlargely contribute in increasingthe capacity, productivity andsupplies of the company.”

He further expressed his pride inthe Lebanese Banking Sectorcapabilities, competing withInternational Banks in financingsimilar operations not only on theNational market but internationally.

The conference was attended bykey officials from both institutionswith a select panel of journalists.

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Fransabank Partner of Economic and Banking Forums

Fransabank continuously participates in debates that enrich the comprehensionof the business sector in general and the banking sector in particular.

Organized by AIWA (Al Iktissad Wal Aamal) at the Coral Beach hotel andresort under the auspices of H.E. Mr. Najib Mikati, President of the Councilof Ministers in Lebanon, the Lebanon Economic Forum was the occasionfor big banks and companies to meet and interact to create new businessopportunities.

Business Development

Being a major actor in the Lebanese Economy, Fransabank is alwayspresent in events that contribute to the development of business in thecountry and the region.

Mohammad Al Safadi, Minister ofFinance and H.E. Mr. Riadsalameh, Governor of the CentralBank of Lebanon and H.E. Mr.Adnan Kassar, Chairman ofGeneral Union, Chambers ofCommerce Industry andAgriculture for Arab Countries andChairman of Fransabank Group.

In his allocution, H.E. Mr. AdnanKassar, say many opportunitiesand many fruitful interactions tocome between Arab countries.

Fransabank at the Lebanon Economic Forum

With a presence in many Arabcountries, Fransabank Group hasstays alert regarding the region.

The Bank participated in the AnnualArab Banking Conference 2011organized by the Union of ArabChambers under the theme:“Future of the Arab World in Lightof Recent Transitions”.

Key speakers who launched theconference were H.E. Mr. NajibMikati, President of the Council ofMinisters in Lebanon, H.E. Mr.

Fransabank at the Annual Arab Banking Conference

H.E. Mr. Najib Mikati and H.E. Mr. Adnan Kassar at Fransabank's booth

H.E. Mr. Adnan Kassar, during his speechat the Annual Arab Banking Conference

The Citizen Bank

Fransabank has always considered the Media as partners that havealways accompanied the Bank throughout its history.

Therefore, it was natural to the Bank to sponsor the special event that wasorganized by the Honoring Committee of the Orient Pioneers (Rouwad AlShark) to honor the biggest Lebanese journalists under the auspices ofthe Minister of Information HEM. Walid Al Daouk.

The event took place in the Pierre Abou Khater auditorium in the campusof the Université Saint Joseph (USJ). It featured a concert by the band ofthe Internal Security Forces and was followed by a cocktail reception.

Honoring the Press

Within its ongoing commitmenttoward the public sector,Fransabank sponsored theconference “Regards Croisés surla Formation des Agents Publics”

(different views on the training of public sector officials) organized by the“Institut Des Finances - Institut Basil Fuleihan” and placed under theauspices of the Minister of Finance HEM. Mohammad Safadi.

This event crowns the solid collaboration between Fransabank Group andthe “Institut Des Finances” as the Bank has partnered with the Institutefor two years in a row to sponsor its Education Program which consists ofsequences of gatherings offering higher education to senior employees ofthe Lebanese public sector.

Supporting the Public Sector

H.E. Mr. Walid Daouk during his speech The awarded journalists on the stage

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The Citizen Bank

The Green Bank

Fransabank was among the pio-neering signatories to join in 2011the “Green Pledge” initiated bythe renowned LebanonOpportunities within their GreenOpportunities Initiative. By sign-ing the pledge, Fransabank com-mits itself to a greener corporateenvironment.

This commitment means thatpreserving the environment andenergy should start at home.This is exemplified byFransabank staff minimizingprinting jobs or reusing paper toprint, reducing their use of elec-tricity and water resources, car-pooling with colleagues to savegas emissions and recyclingmaterials. At every branch, aGreen coordinator is nominatedwhose responsibility is to moni-tor such initiatives among staff.Beyond this, we also strive toproduce our credit cards from

eco-friendly raw materials and tooffer clients green initiatives thathelp them bank without harmingthe environment. It is throughcombining such small but effec-tive actions with other, large-scale initiatives that tangiblecontributions to the environ-ment’s welfare can be made.

Respect and preservation of theenvironment forms one of thekey pillars of Fransabank’s cor-porate social responsibility whichmanifests itself in a range of ini-tiatives beyond the Bank, such asmaking financial contributions toenvironmental organizations andprojects, as well as maintainingbeauty spots of greenery in majorcities. At the heart of each ofthese actions lies a firm commit-ment to our country’s future andthat of its citizens.

Confident that maximizing profits does not only pass through qualityproducts and services, but also through sustainable practices,Fransabank has committed to a green initiative.

To express its active support to green initiatives, Fransabank is themain sponsor of the “Green Series” in Lebanon Opportunities mag-azine. From September 2011 till June 2012, this special sectiondevelops Lebanese companies’ behaviors and decisions that aim toprotecting the planet and saving energies. Each series focuses onone sector of the economy (Construction, Hospitality, Business &Economy, Finance etc.).

Sponsoring the Green issues of Lebanon Opportunities

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The Citizen Bank

For Safer Roads with KunHadi

Fransabank has also joined forces withlocal organizations like Kunhadi andYASA (Youth Association for SocialAwareness), to raise awareness of roadsafety issues and to join the campaign toreduce the number of road accidents inthe country. In 2011, Fransabank was anactive partner of the alliance created byKunhadi for the UN Decade for RoadSafety. The Alliance combined differentprivate sector companies that have cometogether to act on improving road safety. A

Memorandum of Understanding was signed with all partners pledgingto work with together on promoting road safety. Continuing its commitmenttowards roads’ safety, Fransabank co-sponsored the one-month eventsorganized by the Kunhadi association.

Kunhadi is an association for youth awareness on road safety focusing onspeeding, drink driving, fatigue driving, helmets, seat belts and textmessaging while driving.

For the launching of the UN Decade for Road Safety on June 1st, 2011,Kunhadi launched a wide media campaign consisting of unipoles,brochures, posters, and mass emails.

Roads for Life Fund Raising Concert

“L’Algerino and Faudel in Concert” featuredover 2,500 attendees and aimed at raisingawareness mainly among the youth againstexceeding speed limits and reckless driving. Itwas attended by numerous political, social andmedia figures with a vibrant youth audience, inthe presence of First Lady of Lebanon, Mrs.Wafaa Sleiman.

Proceeds of the concert went for the TalalKassem Fund for Post-Accident Care fortraining of Emergency physicians. Traumasurgeons and Emergency physicians fromhospitals across Lebanon will be offered theAdvanced Trauma Life Support course (ATLS).This course will improve the chance of survivalfor injured victims on the roads in the first 60minutes of the accident known as the goldenhour. Roads for Life will cover the fees for asmany physicians as possible in as manysessions as needed. Upon completion of thecourse, they will receive Advanced TraumaLife Support (ATLS) Certification from theAmerican College of Surgeons, committee onTrauma, Chicago, Illinois.

View from the Show

First Lady with Fransabank's Chairman

Fransabank partnered with Roads for Life - the Talal Kassem Fund for Post-Accident Care -, for hosting aconcert by international stars L'Algerino and Faudel at the Roman Amphitheater in Zouk Mkhael inLebanon on June 26, 2011.

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The Citizen Bank

Memorable Summer Evening with George Benson

From the majestic courtyards ofBeiteddine, to the authenticBatroun city old Phoenician fenceand the famous port of Byblos;Fransabank was present allthrough international festivalssponsoring world-class art from awealth of genres and heritage.

The highlight of the summer wasthe sponsoring of the concert ofGeorge Benson, the great musicianholding 8 Grammy Awards, inBeiteddine. After a breathtakingperformance, Fransabank invited ahappy few of political and diplo-matic figures as well as friendsand clients to a cocktail in thecourtyard of Beiteddine castle.

View from the dinner

Fransabank’s summer fever spread relentlessly across the four corners of Lebanon to fulfillFransabank’s continuous socially-responsible thrive topromote Lebanon as a cultural destination and a land ofincessant liveliness.

Benson performing on the stage

Music from the World

As part of Fransabank’s continuous socially responsible actions tobring culture from all parts of the world to Lebanon and to promoteit in all the parts and layers of the Lebanese population, the Banksponsored two exceptional concerts during the autumn of 2011.

Fransabank is the first Lebanesebank established in Algeriathrough its subsidiary FransabankEl Djazair SPA that operates since2006. Fransabank El Djazaïrdistinguished itself in a shortperiod of time with the servicequality and availability of its teamscomposed mostly of youngprofessional Algerians trained inmodern management methodsand supervised by Lebaneseexpatriates with many years ofexperience in banking. The Bank,which provides professional andpersonalized service, is wellestablished in Algeria with onebranch in Algiers and two branchesin Oran and will open shortly a newbranch in Constantine.

An enthusiastic crowd attendedthe concert of Warda Al Jazaïriya inDowntown Beirut and enjoyed themelodies of the Diva. Tourists fromvarious Arab countries invaded thestands and their applauseresounded long after the GreatWarda had left the stage to thecheers of a delighted and conqueredaudience.

Fransabank, partnered with theorganizers of this event among itscultural activities to boostexchanges between variouscommunities and strengthen tiesbetween the peoples of theMediterranean, in this instance,Lebanon and Algeria.

Warda el Jazaïriya

Quatuor Modigliani

The outstanding Quatuor Modigliani band charmed the audience of the StElie Church (Kantari) and the Abou Khater auditorium (Université SaintJoseph) before offering two free performances at Roumieh and Baabdaprisons.

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Our People, Our Assets

Growing the Culture of Inclusion

One of the essential assets onwhich Fransabank has built upits performances and reputationis its human capital.

The secret behind this commitmentto the company resides in a seriesof team building activities organizedby the Amicale Employees Club.

In the summer of 2011, two outdoorgatherings were organizedcombining cultural activities andgroup games:

Ayto (North of Lebanon): visit ofthe tomb of Saint Rafka, hiking andguided visit of Gibran KhalilGebran museum in Bcharreh.

Faqra club (Faqra): ATV driving,group activities and games.

Ayto group picture

Hiking in Ayto ATV in Faqra

Group games in Faqra club

The big family of FransabankGroup, represented by its threebanks operating in Lebanon(Fransabank SAL, Fransa InvestBank SAL and BLC Bank SAL) andtheir affiliate companies,arranged its annual childrenChristmas gathering at Biel. Morethan 1,200 members ofFransabank Group and their fami-lies gathered to celebrate on thisspecial occasion along with repre-sentatives from the local andinternational subsidiaries.

Fransabank End-of-year Children Event

participants among which theGroup’s management wished itsemployees and their families a newyear full of joy, good health andprosperity while the employees, inturn, wished the Group continuoussuccess and development.

With the smiles of the children,Fransbank happily ends the year2011 and wishes for its members,partners, clients and friends to seizeevery golden opportunity in 2012.

The event included a luncheon,amusement programs and thedistribution of gifts to employees’children.

The young and the elder wereequally amused and entertained bythe distinct show that included avariety of animations (JinglingChristmas parade, Circus boom,Sparkling Christmas show). Afestive spirit full of happinessand laughter reigned among the

View from the audience

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90 Years Anniversary

90 Years Kick Off

Fransabank decided to celebrate its 90 years of establishmentthrough a series of events. It was only natural to kick off the annualfestivities of this unique and distinct occasion with its partners, staffand stakeholders; announcing to them the celebration scheduleretracing 90 years of success with Fransabank.

Other events will roll throughout 2012 to include all the communitieswe serve on this unique occasion…

Fransabank unveiled its 90 years celebrations’ plan and contentfirstly to the Media to crown the long lasting relationship that boundus together. An honorary luncheon was held, on December 8, 2011,at Le Maillon Restaurant in Ashrafieh, hosting media representatives.

Chairman Adnan Kassar stressed on the important role that themedia plays in transmitting the news in objectivity, accuracyand transparency. He thanked the media people for accompanyingFransabank in its successful journey and transmitting its newswith professionalism while highlighting the leading role that theBank has played and is still playing in the growth of the Lebaneseeconomy in general and the balanced development of the entirenation in particular.

Media Kick Off Event

H.E. Mr. Adnan Kassar during his speech

In order to constantly update clientsand partners on the many events andnews that will occur during thisyear of celebrations, Fransabankcreated a microsite specially dedicatedto the 90 Years Anniversary.

Visit now: www.fransabank.com/Fransabank90

The Microsite

On Saturday, December 10, 2011 the whole Fransabank family gatheredfor an honorary gala dinner. Around 1,600 persons coming from all theregions of Lebanon, met on this occasion at Habtoor Grand Hotel in Sin elFil in the presence of the majority of Fransabank’s shareholders.

90 Years’ Staff Gala Dinner

In their speeches, both gentlemenwere very keen to share with theaudience a bit of how they madetheir success with Fransabank’shuman capital to date. However,they took a lot more time, whetherin what they said on stage, or in thedocumentary to move us with whata real family tie means, its impor-tance and the blessings it bring topeople who cherish it!

Chairmen’s exemplary “team-work” and “family” relationship isdefinitely what made all the 90years communication what it isabout! A lot of great milestonesthat one cannot but applaud andsay “Chapeau Bas”.

At this occasion the documentaryand the 90 year’s TVC wererevealed and we could hear greatapplauses that would not stop untilChristina Sawaya, former MissLebanon, would come up again onstage and play her assigned role ofMistress of Ceremony.

The large family members did notreally know what was making themthat emotional on that date. Couldit be that they associated them-selves so much to the milestonesand culture of Fransabank,revealed in the documentary andTVC? Or could it be the impressiveand moving speeches that bothChairmen Adnan and Adel Kassaraddressed in a warm atmosphere?

Cutting the "90 Years" cake

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90 Years Anniversary

90 Years’ Staff Gala Dinner

Lebanon • France • Algeria • Syria • Belarus • Cyprus • Sudan

www.fransabank.com

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