Banque de l’Habitat S.A.L.was established as a Lebanese joint-stock company by virtue of decree N^o 14 dated 15/1/1977 amended by the law No.283. It is a mixed company between the Lebanese Government and the Private Sector (Banks, Insurance companies, Individual investors). Its total paid up Capital is currently 100 Billion LBP (80% owned by the private sector & 20% by the public sector). Banque de l’Habitat S.A.L. is a member of the Association of Banks in Lebanon and it appears on the list of Banks under N^o 41. Ever since its establishment, the Bank complies with the Collective Labor Agreement rules & conditions.