Our Board

Dr. Riad Obegi

Executive Board Member/Chairman of the Board

Educational Background:

  • 1981, Maîtrise de Gestion Paris IX Dauphine 

  • 1981, Licence en Droit des Affaires Paris ASSAS 

  • 1982, Diplôme de la section Economique et Financière from IEP Paris

  • 1997, PMD from Harvard Business School

  • 2008, PhD in Economics from Lyon Lumiere University

Current Position:

  • Chairman and General Manager of Banque BEMO SAL (Lebanon)

  • Non-Executive Chairman of Banque BEMO Europe (Luxembourg)

  • BOD member of Banque Bemo Saudi Fransi SA (BBSF – Syria)

  • Chairman of Unifert Holding SAL      

  • Chairman of BSEC (BEMO Securitisation)


Banque BEMO SAL is a commercial bank whose services and activities cover both the Lebanese and regional markets.

The Bank is known for its competency in delivering high quality services and products, and for its customer satisfaction orientation. Products and services target private individuals; families; medium and  large sized local companies; international and subsidiaries of multinationals and; banks and financial institutions.

In order to maintain its sound position, Risk Management has become an integral part of the Bank’s operations and contributed to maintaining its strong balance sheet. This is in line with the Bank’s  conservative foundations, which have provided a solid platform for the Bank to build up its value and advance its market position.

Mr. Samih Saadeh represents Banque Bemo SAL in the Board of Directors of BSEC.



Mr. Samih Saade

Executive Board Member/Vice Chairman of the Board


Educational Background:

  • 1978: Masters of Business Administration, American University of Beirut (AUB)
  • 1976: Bachelor of Business Administration, American University of Beirut (AUB)
  • 1977: Degree in Law, Lebanese University, Beirut – Lebanon, Honor’s List

Professional Experience:

  • 2003 - To date, Banque Bemo sal – General Manager, Vice Chairman, BoD member  

  • 1994-2003, ABN AMRO Bank NV,      - F.V.P., Corporate and Private Banking Head   

  • 1993-1994, Bank of Beirut SAL -  Senior Manager – Credit 

  • 1991-1992, Lebanese American University, -     Appointed Lecturer  

Non-Executive Board Directorship – To Date                                                                             

  • 2010, BSEC, Beirut, Lebanon,   Board Member                                                                                                

  • 2013, International Campus (IC) Group Holdings SARL, Luxembourg,  Board Member                                    

  • 2015, Blu Stone Management Limited, Dubai, UAE -- Member of the Investment Committee                              


Dr. Fouad Zmokhol

Educational Background:

  • Doctorate in Business Administration – Newport University – USA/California
  • Masters of Business Administration – Lebanese American University (LAU)
  • Bachelor of Science in Management / Economics – Lebanese American University (LAU)
  • French Baccalaureate (C series: Mathematics) Collège Louise Wegman

Professional Experience:

  • Dean of the Faculty of Business and Management at Saint Joseph University (USJ)
  • Co-Owner Zimco Group
  • President of the International Confederation of the  Lebanese Business People (MIDEL)
  • Vice President of the Economic and Social Council at “Agence Universtaire Francophone” (AUF)as representative for the Middle East region
  • IFC certified independent board member
  • Keynote speaker at national, regional and international conferences
  • Author of various publications and research papers
  • Board member in several private institutions: BSEC (BEMO Group);  BEMO Bank , ITG (HOLCOM Group) as Advisor to the Board of Directors
  • Board member in prominent organizations:  Lebanese American University (LAU), Notre Dame University (NDU; Forum Francophone des Affaires (FFA); Institute of Directors (IoD);  Management Committee at Collège Notre Dame de Jamhour (NDJ)


Dr. Shadi Antoine Karam

Educational Background:

  • Graduate of the American University of Beirut, Columbia University (New York, N.Y.) and Harvard University (Cambridge, Mass.), as well as of the Institut des Sciences Sociales (Paris, France).
  • Taught at the Institut d’études politiques (IEP) in Paris and at the University of Southern Europe in Monaco.

Professional Experience:

  • Member of the Cabinet of the Director General of UNESCO, Paris (1975-1980) in charge of project financing in education, science and culture in member states. Also served as Director of the Cabinet of the Chairman of the Executive Board of UNESCO.
  • Occupied the posts of Chairman of the Board of Directors and CEO of various companies between 1981 and 1993 in the
    o textile sector: Per Spook S.A., a member of the Chambre Syndicale de la Haute Couture in Paris, which also produced a ready-to-wear line, men’s wear and branded licensed products (leather items, eyewear, etc.);
    o finance sector: FirstCorp Invest S.A., a finance and private equity company based in Luxembourg;
    o industry: DECOTEC S.A., manufacturing facilities of precision metallic parts that enter into the production of planes, the fast train TGV, large computers, machine tools, etc.;
    o hotels: Hoteles Coach S.A. ownership and management of hotels in Bruges, Frankfurt, Paris, Montego Bay (Jamaica) and Marbella;
    o Shopping Malls: FirstCorp Retail with shopping malls in West Palm Beach, Florida, USA and Naples, Florida, USA
    o Real estate development in Germany, France and Spain and the USA;
    o Vice President of Merrill Lynch S.A.M., Monte Carlo, Monaco (1993 to 2002).
  • Credited with the successful turn-around of several of the companies listed above, but also of the Real Estate Bank of Syria (1997) as an Advisor and of BLC Bank S.A.L. (2002 to 2008) and BLC Bank France S.A. (2002 to 2010), as Chairman and CEO. During this period, I built for BLC Bank France a very successful network of branches in the United Arab Emirates (Abu Dhabi, Dubai, Sharjah and Ras El Khaimah). It is notable that BLC Bank was a very successful operation for its shareholders as a significant shareholder value was created for its first shareholder, the Central bank of Lebanon and after that for its subsequent shareholder, the State of Qatar through the Qatar Investment Authority (QIA).
  • President of Souria Holding (2009-2010), an investment holding company in Syria. During this period, I started a joint venture with CMA CGM, a French container transportation and shipping company and the world third largest container shipping company. This joint venture secured a BOT contract to operate the container terminal of the Port of Lattakieh. During this period, Souria Holding also started a large real estate project of two-hundred seventy thousand square meters of construction comprising a five-star hotel, residential units, offices and a shopping mall in a choice location in the heart of the capital. I resigned from this position in March 2010 at the beginning of events in Syria and has had no contacts with the Syrian business community or the public sector and has never visited Syria since.
  • Economic Advisor of the President of the Republic of Lebanon, General Michel Sleiman during his entire mandate (2008-2014) and subsequently, Senior Advisor to the President of the Council of Ministers, Mr. Tammam Salam until the end of his mandate in October 2016. During Mr. Salam’s mandate there was a prolonged presidential vacancy of two and a half years.
  • Sits on the board of various companies in the banking, industrial and trading sectors.
  • Chairman of the Board of Directors of Astro Bank, Cyprus from March 2017 until December 2021.
  •  Vice-President of the International Chamber of Commerce Lebanon.
  • Member of the Board of Trustees of USEK University (Kaslik, Lebanon).
  • Holds several medals from Lebanon, European and Latin American countries.