The Federal Bank of Lebanon s.a.l is a privately owned Lebanese Retail Bank established in 1952 by the late Michel Ayoub Saab as a joint stock company. The Bank operates solely under Lebanese law and offers catered services to its clients through its International Clients Unit and 9 Branches across the country (Ashrafieh, Ras Beirut, Aley, Dora, Damour, Jbeil, Jounieh, Sin El Fil & Mazraa). The Bank was amongst the 20 first Banks to be established in Lebanon, and is today owned by the late founder’s two sons Ayoub Farid Michel Saab, and Fadi Michel Saab. Having been on the financial market for over 60 years, the Federal bank of Lebanon s.a.l is the only Lebanese Bank owned by Lebanese citizens in its entirety. Led by a skilled management team and dedicated staff, the Bank provides a full range of retail banking products and services. These include: Commercial, Trade and Corporate Finance, Retail Banking, Smart Cards, ATM's and Financial Market Brokerage. The Bank has built a large client base throughout the years, both internationally and locally. FBL prides itself in holding a solid client service reputation by remaining close to its customers understanding their requirements and accommodating its Banking services in order to satisfy their needs. Hence the aim of being a "boutique" Bank with distinctive characteristics catering banking services primarily to small and medium sized enterprises.