As a "specialized bank", ASIB is subject to certain restrictions on its funding and lending activities, but benefits from exemptions from reserve requirements otherwise applicable to commercial banks and from other regulatory advantages. Since March 31, 1997, specialized banks, including ASIB, have been exempted from Central Bank reserve requirements, provided that they maintain a ratio of at least 1:1 between loans to the private sector and loans to the public sector (including investments in Lebanese treasury bills).
Specialized banks can invest up to 50 per cent. of their aggregate deposits with a maturity of at least five years in equity and other similar securities without being subject to limits on such investments applicable to commercial banks. As a "specialized bank", ASIB is not permitted to take short-term deposits or make short-term loans, all deposits being required to have a minimum maturity of six months and all loans being required to have a minimum tenor of two years.