Details

As part of our Non-Financial Services to SMEs and Women in Business, BLC Bank has launched the WOMEN IN BUSINESS PROGRAM, a toolkit for women in business providing them with all the needed information and support to reach their goals.

This program is made up of 7 sessions covering all the necessary business aspects required for every entrepreneur to better grow and scale their business, from creating the business plan, to protecting and registering their intellectual property, establishing a marketing stagey, understanding the basics of accounting and finance and all there is to know related to the taxation laws in Lebanon.

This new non-financial solution is provided by experts from BLC Bank team and from the eco-system, and will be moving in all different regions in Lebanon.

The program is kick started though our contribution with VIDES and DON BOSCO delivering the program fully to the women in Kahale, Baabda region and the surrounding.

This program targets mainly women working from home or with a small business mostly regional and not formal and who want to take their talent/hobby/ small business to a new level.

Our first series is in Don Bosco Center , Kahale

Schedule:

SESSION 1:
BUSINESS PLAN: This training is based on the experimentation methodologies used by startups to build their business plan. It includes the nine components of the business canvas model that gives further insights to building a proper business plan. The highlights will help dig deeper into the problems that women are facing. Moreover, the attendees will learn how to create a good customer value proposition, a detailed business plan and hence will leave with a reliable take away to grow their business.
- Amir Saab - Business and Entrepreneurship Training and Consultant
  Amir Saab is a certified Trainer and Entrepreneurship Educator from Babson College USA. He is the founder of Taqaddam, a training and development company aiming to bring entrepreneurship as a learnable material. He is currently a consultant for SME’s developing their business plans, and a mentor and business coach. He is an angel investor and deal leader with Seeders fund that invest in startups aiming to grow

SESSION 2:
IP PROTECTION - How to Register & Protect your Business: During this session attending women will get an insight to what Intellectual Property (IP) is, from both the legal and commercial points of view. They will also learn the role of IP and its importance in their business life cycle, in addition to the different types of IP from Patents to trademarks, industrial designs and copyrights. It will also support women in the process of registering their business.
- Lea Feghali – Intellectual Property Executive - Alyafi IP Group
  Lea El Feghaly is responsible for patent services at Alyafi IP Group, with a focus on patent prosecution regionally and internationally. Lea has extensive experience in helping inventors and companies navigate the tricky path to obtaining a patent.
  Lea’s areas of expertise are: Intellectual Property Litigation, Legal Research and Writing, Trademarks Infringement and Unfair competition, International Law, Business Development, Territory Management, IP in the digital age and Start-up Training.
- Rimi Kbar – LLM Intellectual Property Consultant - Alyafi IP Group
  Rimi Kbar is responsible for trademarks and copyrights at Alyafi IP Group.
  Rimi’s areas of expertise are: Legal documents preparation, Legal/non-legal research, Excellent analytical and reporting skills, Intellectual property law specialist, Experience in GCC Law and many jurisdictions, Artificial Intelligence (AI) in IP and Copyright law.

SESSION 3:
MARKETING FOR BUSINESS: The marketing strategy part of the business plan tackles the brand creation, and how attendees are going to get their brand to reach customers to buy their products and/or services. This workshop aims at exploring different ways of understanding the market and the consumer behavior, define market segmentation and positioning, the How to Guide to Develop the Market strategy based on the 7 Ps of marketing including digital marketing, the budget and monitoring.
- Carine Fersan – Head of Brand Management, BLC Bank
  Carine Fersan, Head of Brand Management at BLC Bank SAL, has ten years of banking experience through leading the Bank’s strategic marketing planning by segment from a customer centric approach. Among which are the Individuals and High Net worth, SMEs and Enterprises, and We-initiative which is the first holistic Women Empowerment program launched in MENA, positioning BLC Bank as the financial institution of choice for women in Lebanon and as a global example for Women’s Market best practices.

SESSION 4:
BASICS OF ACCOUNTING & RAISING FINANCE FOR SMEs: During this session attendees will get acquainted with the general ideas related to Accounting and how to raise Finance for SMEs. From the basic accounting terms and the types of financial statements to the different financial techniques and various ratios, this is the toolkit to establishing their financials and budgets and assessing ratios and business returns.
- Jerome Dagher – Senior Financial Control Officer, BLC Bank
  Jerome Dagher is a Senior Financial Controller at BLC Bank, mainly in charge of creating and analyzing financial reports as per the International Financial Reporting Standards (IFRS). He is also a teacher at CNAM-Liban (Masters Finance classes) since March 2017 and at the Arab Open University AOU (Finance, marketing & Management) since January 2015.

SESSION 5:
UUNDERSTANDING YOUR FINANCIALS – Balance Sheet & Income Statement: Understanding their financial statements is key to effectively running a business and making smart decisions. This session will provide attendees with a good understanding of how to read, analyze, and create their Balance sheet and income statement so they can improve their business and generate better incomes.
- Myriam Kikano – Head of ME Credit Analysis Department, BLC Bank
  Myriam Kikano Kozhaya is Head of Medium Enterprises Credit Analysis Department within the Credit Management Group.
  Besides her banking career, Mrs. Kozhaya provides financial training programs for the bank's employees covering different subjects. She plays a major role in different events implemented and organized by BLC Bank, such as the Brilliant Lebanese Awards.

SESSION 6:
TAXATION: This session will introduce the women in attendance to the legal aspects of the companies and enterprises in Lebanon, their rights and obligations, and all they need to know about indemnity of service, your tax obligations as a business and the VAT law by learning and applying practical exercises and case studies.
- Bassam Cordahi – Chartered Public Accountant, BC Audit
  Bassam Cordahi is an Independent Chartered Public Accountant at BC Audit, handling external audit for holdings, offshore, contracting & civil works, manufacturing, fashion, telecommunication, media, restaurants, FMCG distribution and other services companies. He is also in charge of reviewing and assessing internal control systems, business restructuring, compliance with laws regulations, due diligence, financial analysis and assessments, building feasibility studies and business plans, business valuation, accounting software selection and implementation taxation, handling VAT, income tax, social security returns, tax consultancy and forensic audit.

SESSION 7:
BUILDING A BANK PARTNERSHIP: It is in this session that the women SME owners will understand why it is important to have a banking account and a good relationship with their bank. Just as well, they will be introduced to the various services offered by BLC Bank, from access to finance to all the financial and non-financial services such as trainings, networking and exposure.
- Elie Tannous – Head of SME Business Development & Support, BLC Bank
  Elie Tannous is Head of SME Business Development & Support Team at BLC Bank. He is in charge of approaching new clients, management of critical credit files, monitoring of follow-up reports and administrative support tasks.

CLOSING CEREMONY: Certificate of completion

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Personal data: Refer to any data that identifies or may identify you, either directly or indirectly, such as your name, contact details, digital images, identification data (e.g. identity card/passport number) and authentication data (e.g. your signature) etc.
Processing: Refer to actions such as the collection, retention, use, disclosure, transfer, deletion or destruction of your personal data.
Individual: Refer to employees, representatives, shareholders, BOD members of BLC, prospective, current and former customers, authorized signatories, beneficial owners, guarantors, advisers, contractors, service providers, partners, committee members, customers, payers, payees and security providers or any other natural persons whose personal information have or will be lawfully obtained by BLC Bank in the normal course of its business.
Data Protection officer: Refer to actions such as the collection, retention, use, disclosure, transfer, deletion or destruction of your personal data.

Individuals: Either directly from you or from your authorized representatives/agents(if applicable), or via other communication channels.
Third parties: Including previous employers, other banks, credit reference agencies and Risk solution companies that enable us to manually screen potential customers and perform enhanced due diligence.
Public sources: Including press, media, internet, Commercial Register, Land Registry , Banking and Liquidation registries, lists and databases maintained by other entities including international organizations.

Fulfillment of contractual obligations : To perform our contractual/Business obligations.
Compliance with Legal obligations : To comply with the legal obligations as well as the requirements of supervisory and regulatory authorities.
Safeguarding legitimate interests : To pursue our legitimate interests. Data are processed under this ground for reasons pertaining to business activities provided that those interests do not override your fundamental rights and freedoms.
Based on your consent : To process your personal data for specific purposes other than the ones described above. The lawfulness of such processing is based on your consent.

Units and/or persons that are authorized to process your data within BLC Bank.
“Fransabank” as a Mother company, where it is necessary for our legitimate interests to do so or in order to comply with our obligations under the law.
Regulatory bodies to whom BLC is required to transfer data under the obligations of national Law and regulations.
Third parties to whom BLC is required to transfer data under the obligations of International treaties and/or binding agreements.
Third parties involved in or in connection with potential or actual litigation, arbitration or other legal process with BLC.
Service providers that deal with BLC under the duty to keep the personal data confidential.
Banks, agents, Financial Institutions, that process your personal data on our behalf are under the obligation to comply with the same personal data protection standards and safeguards as we do
Credit related companies or agencies, which have dealings with BLC.

We retain your personal data for the purposes they were initially collected, in accordance with the law and relevant regulations.
We may need to retain your data for a period longer than 10 years after the termination of our relationship in order to comply with regulatory or legal requirements.
We may need to store your Personal data for a period exceeding 10 years to satisfy our legitimate purposes.
Records can be held on a variety of media (physical or electronic) and formats.

We carry out data evaluations (including on payment transactions) in the context of our anti-money laundering, anti-terrorism financing and anti-fraud measures.
We employ credit scoring to assess your creditworthiness, so that we can evaluate whether customers will meet their contractual payment obligations and to make fair and responsible decisions regarding the provision of our services and products, especially in the context of providing banking facilities, including loans and overdrafts.

You have given us your explicit consent to do so, in which case you may revoke such consent at any time.
Where we believe that such processing is necessary for pursuing our legitimate interests.

The right to access your Personal Data or be provided with a copy of the data being held about you.
The right to request the correction of any inaccuracies in your Personal Data.
The right to request the erasure of your Personal Data, particularly where the continued processing of the data is no longer necessary.
The right to object to the processing of your Personal Data, particularly where there are no longer sufficient legitimate grounds for us to continue processing the data.
The right to data portability, which means to receive a copy of the personal data that you have provided to us and to transmit those data to another organization and/or to request that we transmit such data directly to another organization.
The right to appeal any automated decision making or profiling.
The right to withdraw any consent you may have provided.
The right to fill a complaint to the Data Protection Officer in case of unlawful processing of your Personal Data.

Protect individuals from having their personal data misused or mishandled and assure to them that their personal information is being securely protected.
Establish individuals’ rights by creating responsibilities for businesses by setting guidelines for the way to handle and store their personal data.
Give individuals control over their personal data.
Improve the level of compliance by introducing significant penalties on organizations that fail to meet their regulatory obligations.

LAWFULNESS &FAIRNESS : BLC will only process Personal Data fairly and lawfully and for specified purposes. These restrictions are not intended to prevent processing but to ensure that BLC processes Personal Data for legitimate purposes.
TRANSPARENCY : BLC must provide detailed, specific information to data subjects about what happens to their Personal Data. This information will be provided through appropriate privacy notices that must be concise, transparent, intelligible, easy accessible and in clear and plain Language to allow the data subjects to easily understand the status of their Personal Data.
INDIVIDUAL CONSENT : Explicit consent will be obtained in situations where serious data protection risk emerges, hence, where a high level of individual control over personal data is deemed appropriate. The consent must be freely given, specific, and includes an unambiguous indication whether a clear statement or affirmative action from the data subject to process his/her personal data.
When BLC processes personal data that are necessary to conduct a service requested by a customer, under the agreed terms and conditions the processing is considered legitimate and no further consent is needed.
Written consent shall be presented in an understandable and easily accessible form, using clear and plain language.
Data subjects shall be able to withdraw their consents to processing based on the Bank’s internal procedure. BLC shall maintain a record of all consents obtained to demonstrate compliance.
PURPOSE LIMITATION : Personal Data will be collected only for specified, explicit and legitimate purposes. It will not be further processed in a manner incompatible with those purposes unless the data subject is informed of the new purpose followed by his written consent.
DATA MINIMIZATION : BLC shall make sure that the processed Personal Data is adequate and relevant to the purpose for which it is intended to be processed and will not accumulate Personal Data that is not relevant for those purposes. BLC shall draft a retention policy to ensure that when Personal Data is no longer needed for specified purposes, it is securely destroyed or anonymised.
ACCURACY OF DATA : It is the responsibility of the data subject to provide accurate and updated personal data to BLC. BLC will take all reasonable steps to check the accuracy of any personal data at the point of collection and follow the procedure for reviewing the data at regular intervals thereafter. Incorrect or misleading data will be corrected or deleted as appropriate.
STORAGE LIMITATION : Personal Data will be retained for as long as reasonably necessary and/or as required or permitted by Law .BLC will take the reasonable steps to destroy or erase all personal data that is no longer required by national laws and regulations.
SECURITY OF DATA : BLC Bank shall take the reasonable necessary measures to protect the personal data it processes and to prevent its distortion, alteration, damage or unauthorized access through the implementation of a robust security program including but not limited to policies, controls, monitoring methods, recovery techniques, training and awareness.
Personal data shall be protected against unauthorized access using appropriate organizational, operational and technical measures. BLC will perform regular controls to ensure the effectiveness of these measures.

To perform contractual agreements with customers, suppliers and employees.
To manage the business relationship with the customers & suppliers.
To conduct marketing research and surveys that aim to improve BLC products and services.
To perform internal audit and compliance control.
To fulfill examiners’ demands in the course of external audit missions carried out at the Bank.
To prevent, detect, investigate and prosecute crimes including without limitation money laundering, terrorism financing, fraud and other financial crime, identity verification, government sanctions screening and due diligence checks.
To comply with local & applicable foreign laws, rules, regulations, decisions, judgments or court orders.
To comply with agreements between BLC and any public authorities.
To comply with BLC Bank policies and Code of Conduct.
To monitor and record calls and electronic communications with data subjects for quality, training, investigation, complaints and crime/ fraud prevention.
To defend BLC Bank’s rights, participating in potential or actual litigation, arbitration or other legal process.
To seek professional advice, including in connection with any legal proceedings for obtaining legal advice.
Other purposes for which data subject has given his or her expressed consent.

FRANSABANK “ Mother Company”
Third parties to whom BLC is required to transfer data under the obligations of national Law and regulations, such as: BDL, BCC, CMA, SIC & MOF.
To conduct marketing research and surveys that aim to improve BLC products and services.
Third parties to whom BLC is required to transfer data under the obligations of International treaties and/or binding agreements.
Banks, agents, Financial Institutions, contractors or service providers that deal with BLC under the duty to keep the personal data confidential.
Credit related companies or agencies which have dealings with BLC.
Third parties involved in or in connection with potential or actual litigation, arbitration or other legal process with BLC.

BLC will reasonably make sure that third parties who receive personal data of a data subject shall treat the personal data with confidence and in accordance with Data protection law and regulations. BLC will not transfer data of the data subject to any third party to be used for direct marketing purposes without obtaining the prior consent of the data subject.

Withdraw consent to processing personal data based on the Bank’s internal procedure.
Request access to their personal data.
Prevent the use of their personal data for direct marketing purposes.
Ask the Bank to erase personal data if and when it is no longer necessary. However BLC may deny a request of an individual if the request constitutes an abuse of rights or the request entails a deletion of data required by national Law or regulations.
Rectify or complete personal data.
Be notified of any personal data breach.
File a complaint with the appropriate Legal authority.
Receive or ask for their personal data to be transferred to a third party in a structured, commonly used and machine readable format.

To process personal data based on documented instructions from BLC Management.
To have appropriate technical and organizational measures to ensure an appropriate level of security.
To delete or return all the personal data at the sole discretion of BLC at the end of the service provided.
Delete any existing soft or hard copies of the personal data unless required by national Laws & regulations.
Avoid involving another processor without the prior authorization of BLC Management.

Promote & maintain a culture that respects customer privacy & personal data across BLC & related entities.
Review & approve the Data Protection Policy.
Oversee the level of readiness of the Bank for compliance with data protection requirements.

Promote and enforce high standards of data protection.
Ensure that Data Protection Policy is properly and timely implemented.
Ensure that management and employees are aware of, understand and adhere to data protection standards.
React promptly and effectively to compliance issues that arise whenever a data protection breach is detected or suspected.

Develop and update the Data Protection Compliance Program and ensure its proper implementation.
Provide advices where requested on data protection obligations.
Monitor compliance with data protection law and regulations.
Raise awareness on data protection requirements.
Ensure coordination between the supervisory authorities and BLC Bank.
Act as a contact point for data subjects and the supervisory authority.
Submit periodic reports to BOD Compliance & AML/CFT Committee & Senior Management.
Coordinate with the Organization Department to align existing and new procedures with data protection regulations.

Ensure that all staff working under their responsibilities adheres to the instructions reflected in this policy.
Ensure incorporation of data protection requirements & best practices into business processes.

Develop and maintain an information and cyber security program including policies, procedures, controls, as well as awareness activities to ensure data protection commensurate with the level of acceptable risk as established by the Bank’s General Management.
Ensure incorporation of data protection requirements & best practices into business processes.
Report cyber security incidents involving personal data breaches to the DPO.

Amend BLC existing contracts, agreements and terms & conditions to include all data protection requirements.
Make sure that contracts, agreements, legal forms are aligned with data protection requirements.
Assist DPO in proper handling of conflictual situations arising from data breach.

Perform regular compliance audits to determine the level of compliance of Business & control functions with data protection requirements.
Inform the DPO about identified potential compliance weaknesses.
Submit periodic reports to BOD Audit Committee & Senior Management on the effectiveness of implemented security measures.

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Women In Buisness Program

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Women In Buisness Program

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BLC Bank

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