board of directors
Mr. Abdul Razzak ACHOUR
Chairman, General manager
  • Lebanese, born in 1965.
  • Chairman of the Board of Directors and General Manager of Fenicia Bank S.A.L since 1994.
  • Chairman of several committees namely: Assets and Liabilities (ALCO), Anti Money Laundry, Credit Rating, and Credit.
  • Chairman of the Board and General Manager of Bellevue Company S.A.L (Real Estate Company).
  • Board member of Trust Construction Company S.A.L (Construction Company).
  • Board member in Achour Group (Trade, Manufacturing, Transportation and Construction).
  • Member of World Union of Arab Bankers.
  • Board member of the Lebanese Banking Association for more than 15 years.
  • Committed to the civil society and to social responsibility, Mr. Achour serves as a Board Member in the Children Cancer Center – Lebanon (CCCL).
  • Through his career in the banking and non banking sector, Mr. Achour is recognized for his strategic vision, leadership skills, and innovative way of doing business.
  • Holder of Bachelor Degree in Business Administration and Accounting from Lucien Coormans Institute - Brussels and a degree in International Commerce Studies from ICAD – Paris.


Mr. Abdallah ACHOUR
  • Lebanese, born in 1958.
  • Major shareholder at Fenicia Bank S.A.L
  • Non Executive Board Member of Fenicia Bank S.A.L
  • Board Member at Bellevue Co. S.A.L (Real Estate Company). Also a Board Member in Achour Group, managing and co-managing several affiliated companies dealing with different lines of business with international trade exposure.
  • Serves as a Board Member in different organizations specifically in sports field. He is currently the president of “Al Sadaka” sporting club (Beirut-Lebanon) and the President of The Handball Federation in Lebanon.
  • Lebanese, born in 1940.
  • Non Executive Board Member at Fenicia Bank S.A.L and member of the Audit Committee.
  • Board Member of Bellevue Company S.A.L (Real Estate Company).
  • Being an ambitious businessman and a bold entrepreneur, he owns a Farm and Real Estate agency in the region of Bekaa – Lebanon. Also, Owner of Dada Company in DRC, and owner of a recognizable company chain in Africa (DRC), (Manufacturing, Electronic Devices, Clothes, Shoes).
  • Holder of several rewards including the highest reward in DRC: “Chevalier de L’Ordre National du Léopard"   as an appreciation of his achievements in the commerce and industry sectors.


Mr. Youssef MERHI
  • Lebanese, born in 1938.
  • Non Executive Board Member at Fenicia Bank s.a.l. and member of the Audit Committee.
  • Board Member of Bellevue Company s.a.l. (Real Estate Company).
  • Driven by ambition and entrepreneurship, he is the owner of a recognizable company chain in Africa (DRC), (Manufacturing, Electronic Devices, Clothes, and Shoes).
  • Pioneer investor in the Lebanese real estate sector through financing the construction of a variety of big projects all across Lebanon.


Mr. Mohsen NAAMANI
  • Lebanese, born in 1946.
  • Assistant General Manager of Fenicia Bank since 2002, executive member of its Board of Directors since 2012.
  • Chairman of Information Security Committee and member of several committees.
  • Joined Fenicia Bank S.A.L in 1992 and held the position of Branches and Organization Manager.
  • Held many senior positions in different banks: Bank of Beirut S.A.L., Societe Nouvelle de la Banque de Syrie et du Liban.
  • Holder a Bachelor Degree in Chemistry from the Lebanese University.
  • Lebanese, born in 1953.
  • Assistant General Manager of Fenicia Bank since 2002, executive member of its Board of Directors since 2012, and member of several committees.
  • Held leading positions in different local and international banks: Al Ahli Bank of Qatar- Doha, Mashreq Bank - Doha, Mashreq Bank – Dubai. Also in the non banking sector: Geonex International Incorporated, Florida, USA, and Middle East Banking Company, Beirut, Lebanon.
  • Professor in different universities: Lebanese University, Islamic University of Lebanon and Lebanese International University.
  • Holder of PHD in Economics from the American University of London, MBA from University of New Hampshire, BA in Accounting & Finance and BA in  Marketing & Administration from the Lebanese University, and Diploma in Banking studies and "Central Bank Regulations" from Saint Joseph University – Beirut.


Dr. Georges Khalil NAJJAR
  • Lebanese, born in 1948.
  • Independent Board Member of Fenicia Bank S.A.L since 2012.
  • Chairman of Risk Committee and member of Audit and Governance committees.
  • He currently holds several senior positions in different Academic institutions namely: Provost for Faculty Affairs at the Lebanese American University, Professor of strategic Management, Advisor to the President of AACSB (The US-based Business School Accreditation Body) in the Middle East and Africa. Also, member of the Board of trustees of several GCC universities in Bahrain, UAE and Oman.
  • Member of the Board of the National Bank of Kuwait (Lebanon).
  • Holder of PHD in General Management from the University of Southern California, MBA Degree from the American University of Beirut.
  • Holder of John Fernandes Strategic leadership award by the academy of Strategic and Entrepreneurial Leadership in the US for the year 2012.
Dr. Samer Khalil
  • Lebanese, born in 1972
  • Independent Board Member of Fenicia Bank s.a.l. and Chair of the Audit Committee as of 2020
  • Currently serves as Associate Professor of Accounting at the American University of Beirut and is a former Chairperson for the Finance, Accounting, and Managerial Accounting Track.
  • Career path encompasses includes financial reporting (Construction, Retail, Oil and Gas) with extensive exposure to internal and external audit, Management Consultancy (Restructuring), as well as Business Valuation in the MENA region (Oil and Gas, Logistics, Commercial and Islamic Banks, Retail, Fragrances, among others).
  • Served as a board member for a Holding Company in Saudi Arabia and as a financial consultant for various high net worth individuals
  • Published articles related to Corporate Governance (External Audit and Board of Directors) as well as Mergers and Acquisitions in reputable Accounting and Finance Journals
  • Conducted executive training workshops for leading companies operating in the Financial Services, Logistics, Retail industries across the MENA region
  • Holds a PhD in Accounting from Concordia University, Canada; an MBA (Finance), BBA, as well as BS (Biology) from the American University of Beirut; and the International Certified Valuation Specialist, Canada.       
Mr. Sarkis Yoghourtjian
  • Lebanese-American, born in 1959
  • Independent Board Member of Fenicia Bank s.a.l. since June 2018
  • Chairman of AML Board Committee of Fenicia Bank s.a.l.
  • Currently serves as Senior Advisor for Financial Integrity Network in Washington, D.C.
  • Recently retired from the Federal Reserve Board, Washington, D.C., after more than 32 years of service, was an Advisor and Assistant Director for banking supervision and regulation in the United States, in addition to being a Consultant and Advisor for the International Monetary Fund (IMF) and The World Bank.
  • Seconded as Advisor to the Bank for International Settlements’ (BIS) Financial Stability Institute during its formative years.
  • Co-Chairman of the Advisory Group of the Asia Pacific Economic Cooperation (APEC) Financial Regulators’ Initiative.
  • Chairman of the Consultative Group of the MENA Financial Regulators’ Initiative which is part of the U.S. Government’s Middle East Partnership Initiative.
  • Served as Senior Commissioned Bank Examiner at the Federal Reserve Bank of Chicago’s Supervision and Regulation Department and a Credit Analyst in the Commercial Lending Department of Bank One Wisconsin.
  • Former Instructor at the School of Business at Gateway College.
  • A rich background in a number of extracurricular and civic activities such as Chairman of the Employees Committee of the Federal Reserve Board; Chicago Area Business Account Executive for United Way charitable organization; and a member of the Faculty Search and Screen Committee for the University of Wisconsin.
  • Holds a B.S. Degree in Business Management from the University of Wisconsin and American Bankers Association Graduate Diploma from the University of Oklahoma.
  • Recipient of the highest Medal of Honor in 2012 from the President of the Republic of Armenia for his notable services in the establishment and modernization of the Central Bank of Armenia.
  • Recipient of the Lifetime Achievement Award in 2017 from the Union of Arab Banks.
  • Renowned speaker at international conferences around the world on bank regulatory and supervisory issues and challenges.