Banque de lâHabitat S.A.L.was established as a Lebanese joint-stock company by virtue of decree No 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 lâHabitat S.A.L. is a member of the Association of Banks in Lebanon and it appears on the list of Banks under No 41. Ever since its establishment, the Bank complies with the Collective Labor Agreement rules & conditions.