New Delhi, May 2: With the death of Al Qaeda chief Osama bin Laden, the curtains are drawn over a long era of terror spanning different continents on the globe. The Al Qaeda's reins will now shift to the former Egyptian doctor Ayman al Zawahiri, for long No.2 in the Qaeda hierarchy.
Osama bin Laden's life has been a long-running story of turbulence, terror and tenacity.
Born 1957 to a Syrian mother, Osama bin Laden was the seventh son among fifty brothers and sisters.
According to a report in Frontline, his father Mohammed Awad bin Laden came to the kingdom from Hadramout (South Yemen) sometime around 1930.
The father started his life as a very poor laborer (porter in Jeddah port), to end up as owner of the biggest construction company in the kingdom.
During the reign of King Saud, bin Laden the father became very close to the royal family when he took the risk of building King Saud's palaces much cheaper than the cheapest bid.
He impressed King Saud with his performance but he also built good relations with other members of the royal family, especially Faisal. During the Saud-Faisal conflict in the early sixties, bin Laden the father had a big role in convincing King Saud to step down in favor of Faisal.
After Saud's departure the treasury was empty and bin Laden was so supportive to King Faisal that he literally paid the civil servants' wages of the whole kingdom for six months.
King Faisal then issued a decree that all construction projects should go to bin Laden. Indeed, he was appointed for a period as the minister of public works.
In 1969 the father took the task of rebuilding Al-Aqsa mosque after the fire incident. Interestingly the bin Laden family say that they have the credit of building all the three mosques, because later on their company took over the task of major extension in Mecca and Medina mosques.
The father was fairly devoted Moslem, very humble and generous. He was so proud of the bag he used when he was a porter that he kept it as a trophy in the main reception room in his palace. The father used to insist on his sons to go and manage some projects themselves.
The father had very dominating personality. He insisted to keep all his children in one premises. He had a tough discipline and observed all the children with strict religious and social code. He maintained a special daily program and obliged his children to follow. At the same time the father was entertaining with trips to the sea and desert. He dealt with his children as big men and demanded them to show confidence at young age. He was very keen not to show any difference in the treatment of his children.
EERLY LIFE, SCHOOL AND MARRIAGE
Osama was exposed very early on his age to this experience but he lost his father when he was 13. He married at the age of 17 to a Syrian girl who was a relative. He grew up as religiously committed boy and the early marriage was another factor of protecting him from corruption.
Osama had his primary, secondary and even university education in Jeddah. He had a degree in public administration 1981 from King Abdul-Aziz university in Jeddah. Countries of the Arabian Peninsula, Syria, Pakistan, Afghanistan, and Sudan are the only countries he has been to. All stories of trips to Switzerland, Philippines, and London are all unfounded.
STRUCTURING HIS MENTALITY
In addition to the general Islamic commitment he started forming an Islamic responsibility at early age. His father used to host hundreds of pilgrims during Hajj season from al over the world. Some of those were senior Islamic scholars or leaders of Muslim movements. This habit went on even after his father's death through his elder brothers. He used to make good contacts and relations through those gatherings.
At secondary school and university he adopted the main trend of many educated Muslims at that time, Muslim Brotherhood. There was a collection of Muslim scholars in Jeddah and Mecca at that period. There was nothing extraordinary in his personality and that trend was rather very non-confrontational. Interestingly, the 1980 raid in the Grand Mosque in Mecca was not appealing to him, neither the theology or that group. He had two distinguished teachers in Islamic studies, which was a compulsory subject in the university. First was Abdullah Azzam who became later as one of the big names in Afghanistan and the second was Mohammed Quttub, a famous Islamic writer and philosopher.
AFGHANISTAN, THE FIRST ENCOUNTER
The first encounter with Afghanistan was as early as the first two weeks of Soviet invasion. He went to Pakistan and was taken by his hosts Jamaat Islami from Karachi to Peshawar to see the refugees and meet some leaders. Some of those leaders like Rabbani and Sayyaf were common faces to him because he met them during Hajj gatherings That trip which was [a] secret trip lasted for almost a month and was an exploratory rather than action trip. He went back to the kingdom and started lobbying with his brothers, relatives and friends at the school to support the mujahedeen. He succeeded in collecting huge amount of money and material as donations to jihad. He made another trip to take this material. He took with him few Pakistanis and Afghanis who were working in bin Laden company for more than ten years. Again, he did not stay more than a month The trip was to Pakistan and the border only and was not to Afghanistan. He went on collecting money and going in short trips once or twice a year until 1982.
In 1982 he decided to go inside Afghanistan. He brought with him plenty of the construction machinery and put them at the disposal of the mujahedeen He started spending more and more time in Afghanistan occasionally joining actual battles but not in an organized manner. His presence was encouraging to more Saudis to come but the numbers were still small at that period.
In 1984 he had one further step in strengthening his presence in Afghanistan by establishing the guesthouse in Peshawar (Baitul'ansar). That house was supposed to be the first station of Arab mujahedeen when they come to Afghanistan before going to the front or start training. At that period Osama did not have his own command or training camps. He used to send the newcomers to one of the Afghan factions.
The guesthouse establishment was coinciding with the formation of Jihad Service Bureau by Abdullah Azzam in Peshawar. The Bureau was very active in terms of media, publications and charity work. The Bureau publications were important in attracting more Saudis and Arabs to Afghanistan.
In 1986 Osama decided to have his own camps inside Afghanistan and within two years he built more than six camps. Some were mobilized more than once. He decided to have his own front and to run his own battles with his own command. Among the Arab fighters he had, there were senior Arab ex-military men from Syria and Egypt with good military experience. The story of the guesthouse and the camps was very attractive for more Arab mujahedeen to come and there was a significant surge in their numbers at that period.
In addition to many exchanges of fire and small operations, the first major battle he had face to face with the Soviet army with pure Arab personnel was the battle of Jaji in the province of Baktia 200 kilometers away from Khost. From then until 1989 he had more than five major battles with hundreds of small operations and exchanges of fire. During the period 1984-1989 he was staying more in Afghanistan than Saudi Arabia. He would spend a total of eight months a year or more in Afghanistan.
In 1988 he noticed that he was backward in his documentation and was not able to give answers to some families asking about their loved ones gone missing in Afghanistan. He decided to make the matter much more organized and arranged for proper documentation. He made a tracking record of the visitors, be they mujahedeen or charity or simple visitors. Their movement between the guesthouse and the camps had to be recorded as well as their first arrival and final departure. The whole complex was then termed Al-Qa'edah which is an Arabic word meaning "The Base." Al-Qa'edah was very much public knowledge. It was funny to see some people triumphing because they discovered it!
BACK TO KINGDOM
Late 1989 after the Soviet withdrawal from Afghanistan, he went to the kingdom in an ordinary trip. There he was banned from travel and was trapped in the kingdom. The Soviet withdrawal might have been a factor but the main reason for the travel ban were his intentions to start a new "front" of jihad in South Yemen. In addition, he embarrassed the regime by lectures and speeches warning of impending invasion by Saddam. At that time the regime was at very good terms with Saddam. He was instructed officially to keep low profile and not to give public talks. Despite the travel ban he was not hostile to regime at this stage. Indeed he presented a written advice in the form of a detailed, personal, private and confidential letter to the king few weeks before the Iraqi invasion of Kuwait.
AFTER THE IRAQI INVASION
He reacted swiftly to Iraqi invasion and saw it fulfilling his prophecy. He immediately forwarded another letter to the king suggesting in detail how to protect the country from potentially advancing Iraqi forces. In addition to many military tactics suggested, he volunteered to bring all the Arab mujahedeen to defend the kingdom. That letter was presented in the first few days of the incident, and the regime response was of consideration!
While he was expecting some call to mobilize his men and equipment he heard the news which transferred his life completely. The Americans are coming. He always describes that moment as shocking moment. He felt depressed and thought that maneuvers had to change. Instead of writing to the king or approaching other members of the royal family, he started lobbying through religious scholars and Muslim activists. He succeeded in extracting a fatwah from one of the senior scholars that training and readiness is a religious duty. He immediately circulated that fatwah and convinced people to have their training in Afghanistan. It was estimated that 4000 went to Afghanistan in response to the fatwah. The regime was not happy with his activities so they limited his movement to Jeddah only. He was summoned for questioning twice for some of his speeches and activities and was given warnings. To intimidate him, the regime raided his farm in the suburb of Jeddah by the National Guard. He was not there during the raid and was very angry when told. He wrote a letter of protest to Prince Abdullah. Abdullah apologized and claimed he is not aware and promised to punish who ever were responsible.
FEELING THE KINGDOM
Osama was fed up with this almost house arrest situation and did not imagine himself able to stay in the country with the American forces around. One of his brothers was very close to King Fahad and also close to Prince Ahmed, deputy minister of interior. He convinced his brother that he needed to leave the country to sort out some business matters in Pakistan and come back. There was a difficult obstacle, the stubborn Prince Nayef, minister of interior. His brother waited until Nayef went in a trip outside the kingdom and extracted lifting the ban from prince Ahmed. When he arrived in Pakistan around April 1991 he sent a letter to his brother telling him that he is not coming back and apologized for letting him down with the royal family.
IN AFGHANISTAN AGAIN
After his arrival to Pakistan he went straight to Afghanistan because he knew the Pakistani intelligence would hand him back to the Saudis. There, he attended the collapse of the communist regime and the consequent dispute between the Afghan parties. He spent great effort to arbitrate between them but with no success He ordered his followers to avoid any involvement in the conflict and told them it was a sin to side with any faction. During his stay the Saudis tried more than once to kidnap or kill him in collaboration with the Pakistani intelligence. His friends in the Saudi and Pakistani establishments would always leak the plan and make him ready for it. After his failure in sorting the Afghani dispute, he decided to leave Afghanistan. The only alternative country he had was Sudan. He left Afghanistan disguised in private jet only few months after his arrival. That was late 1991.
His choice of Sudan had nothing to do with jihad or "terrorism." He was attracted to Sudan because of what was at that time an Islamic banner raised by the new regime in Sudan. He wanted to have good refuge as well as help the government in its construction projects. There was no intention from his side or from the Sudanese regime to have any military activity in Sudan. Indeed the Sudanese government refused even sending some of his followers to the front in the south. He was treated in Sudan as a special guest who wanted to help Sudan when everybody was turning away. In Sudan he mobilized a lot of construction equipment and enrolled himself in busy construction projects. He spent good effort in convincing Saudi businessmen to invest in Sudan and had reasonable success. Many of his brothers and Jeddah merchants had and still have investment in real estate, farming and agricultural industry. In Sudan he had again escaped an assassination attempt which turned out later to be the plan of Saudi intelligence.
SOMALIA AND YEMEN
During his stay in Sudan anti-American incidents happened in Somalia and South Yemen. Neither of the two incidents was performed by his group in the proper sense of chain of command. Both were performed by people who had training in Afghanistan and had enough anti-American drive. He might have given some sanctioning to the operations but one thing was certain, the Sudanese were completely unaware of either.
SAUDI GO ANTI-BIN LADEN
Between his arrival to Sudan and early 1994 he was not regarded publicly as Saudi opposition and Saudi citizens were visiting him without too much precautions. Only the well-informed people would know that he was classified as enemy to the Saudi regime. His assets were frozen sometime between 1992 and 1994 but that was not published. The Saudis decided to announce their hostility early 1994 when they publicized withdrawing his citizenship.
BIN LADEN GOES ANTI-SAUDI
After long silence and tolerance, bin Laden replied by issuing a communiqué condemning the Saudi decision and saying that he does not need the "Saudi" reference to identify himself and it is not up to Al-Saud to admit or expel people from Arabian Peninsula. He then formed together with activists and scholars from the kingdom a group called "Advice and Reform Committee" (ARC). The ARC was, according to its communiqués and published agenda, a purely political group. The ARC published around 17 communiqués which might have contained harsh criticism of the Saudi regime and plenty of religious rhetoric but never contained reference for violence or incitment of violence.
The car bomb in spring 1995 in Riyadh was the first major anti-American action in the kingdom. Bin Laden never claimed responsibility, but the Saudi government tried to link the incident to bin Laden by showing video confessions of four "Arab Afghans" involved in the bombing.
OUT OF SUDAN
Sudan was exposed to huge international pressure for hosting bin Laden and his followers, and bin Laden felt that he is becoming an embarrassment to the Sudanese. Early in 1996 he started making contacts with his old friends in Afghanistan to prepare for his reception. He fled Sudan in a very well planned trip with many of his followers to go straight to Jalalabad in Eastern Afghanistan.
IN AFGHANISTAN 3RD TIME
When he arrived there, the situation in Afghanistan was very unsettled between the many factions, but he had very good relations with all factions and all would protect him. The area he arrived to was under control of Yunis Khalis, a very influential warlord who later on joined Taliban.
THE KHOBAR BOMBING
June 1996, after his arrival in Afghanistan was the Khobar bombing. Nobody claimed responsibility, but sources from inside the Saudi ministry of interior confirmed involvement of Arab Afghans, with possible link to bin Laden The Saudi government wanted to frame Shi'a, at the beginning but Americans were very suspicious of the Saudi story. Bin Laden himself never claimed responsibility but gave many hints that he might have been involved. The Saudi government has acknowledged recently that bin Laden's men were behind the bombing.
After few months of his arrival he issued his first anti-American message, a Declaration of War. That declaration was limited to expelling American forces outside the Arabian Peninsula. His sense of security and nobody to embarrass must have been the drive to release that 12 page declaration. Interest in him by the Saudis never stopped and they tried very hard to convince Yunis Khalis to hand him over, and he flatly refused despite the luxurious offers.
Taliban swept Jalalabad late 1996, almost without war, and bin Laden came under their control. He was optimistic that they will give him sanctuary but he was not sure. He was surprised when a delegation of Taliban came to meet him by order of Mullah Omer, the leader of Taliban, with instructions to reassure him that he will have even better protection under Taliban. The delegation expressed Taliban honor of protecting somebody like him who sacrificed a lot for the sake of jihad.
UNDER KIDNAP FOILED
The Saudis never gave up. Early 1997 they bought some mercenaries in the Pakistani Afghani border. The operation was arranged with the Pakistani intelligence. The information leaked to bin Laden and he decided to move immediately to Qandahar, the stronghold of Taliban. The operation was then cancelled.
CREDIT WITH TALIBAN
When bin Laden left Jalalabad, he ordered many of his followers to join Taliban in their war against Dostum and to protect Kabul. The unexpected happened. Taliban troops were fooled by a trap in the north and Kabul front was exposed to Shah Masood. Taliban were so disorganized at that stage that it was only those few Arabs who were there to push Shah Masood off Kabul and they did efficiently.
FACE TO FACE WITH MULIA OMER
The leader of Taliban Mulla Omer was keen to meet Osama. He met him early 1997 after two TV interviews, Channel 4 and CNN. Mulla Omer expressed respect and admiration but requested him to have low profile. He stressed that that was a request and not an order. Osama replied with appreciation and thanks and reassured Mulla Omer that he was going very low profile.
ANOTHER KIDNAP FOILED
Sometime in late 1997 a big operation was planned by the Americans. The primary plan was for American special forces to attack bin Laden's residence in Qandahar and kidnap him in a commando style operation. The plan was mocked in Pakistani desert and proved dangerous. While the Americans were reconsidering the decision, the news leaked to bin Laden, again through the Pakistani military, and he made it public. That was published in Al-Quds Al-Arabi in London. The Americans had no choice but to cancel. Americans acknowledged this incident only recently, but did not acknowledge the leak.
LOBBYING WITH ULEMA
Bin Laden noticed that the driving force in Taliban were Ulema (religious scholars). He made very good links with them and lobbied specifically for the subject of American forces in the Arabian Peninsula. He was able to extract a fatwah signed by some 40 scholars in Afghanistan sanctioning the use of all means to expel the American forces from the Peninsula. The issue of that fatwah was an asset to him inside Taliban domain. He felt that Ulema were at his back and he can go high profile after long silence.
THE INTERNATIONAL FRONT
His second presence in Afghanistan has attracted many mujahedeen to move there again. Among those were Ayman El-Zawahery of Egyptian Jihad and Rift'ee Taha of Jama'a Islamia. There was also new phenomenon during that period. Bin Laden decided to go pan-Islamic instead of Saudi or Arabic. He attracted Kashmiris, Pakistanis, Indians, and Muslims from the Soviet Republics. He thought at that stage that he could make an international alliance against America. In February 1998 he declared the formation of the International Front. The declaration contained two elements, formation of the front and a fatwah sanctioning killing Americans and Jews. Apart from two Arabic newspapers, the declaration had minimal coverage by the press.
After avoiding the media for almost a year he decided to open the door wide for them. In April 1998 he received the ABC TV team and two weeks later he held press conference in Khost and warned of impending attack in few weeks time. Mulla Omer was not happy with this new media escalation, but felt it difficult to control him while he is protected by the scholars. Indeed bin Laden said that he would abide with what ever the Ulema board decides
The bombings in Kenya and Tanzania July 1998 were not a big surprise. Yes, it was a surprise but in terms of choice of location and targets. Despite his declaration of war against America anywhere, the attack was expected inside Saudi Arabia. Having said that, it is not [to be taken] for granted that he is behind the bombing.
THE AMERICAN MISSILE
It is not known why the Americans chose a camp in Khost to retaliate. The camp was an almost deserted camp where only few Arabs have stayed, with a neighboring camp of Kashmiris. Bin Laden himself was hundreds of miles away, and the rest of Arab Afghans were in the northern front celebrating their recent victories.
Since the American attack bin Laden was put in heavy protection and advised to stay hiding. His followers made another credit when they protected Kabul front again and pushed Masood forces back.
BIN LADEN THE PERSON
Bin Laden was brought up with good manners. He matured as extremely humble and very generous person. He insists to join his comrades in every act. Very frequently he cooks for them and serves them. He lives a simple life in a small flat in Jeddah or in a shed in Afghanistan and insists on his family to eat simple and to dress simple.
He is known to be strictly truthful and would never lie, but he is politically conscious and believes there is a room for political maneuver even if you are devoted person. Despite being shy he has dominating personality. He speaks very little and looks serious most of the time. He would appear with a soft smile but he seldom laughs. His followers see a lot of aura on him and show great voluntary respect to him. For some reason that falls short of a proper charisma. He is not known for giving distinguished speeches, and there is almost no audio or video recordings of him.
He is widely educated and spends a good deal of time reading. He is fond of media monitoring and information gathering and research. There was always a data management team with him wherever he went.
Among the outstanding features is his courage. He will not show a flicker even if a bomb exploded near him. He was exposed to more than 40 incidents of heavy bombardment, three of them were full of death and flesh around him. A Scud missile exploded 17 meters distance from him. At one time he was almost the victim of chemical weapons. More than once he needed treatment in hospital for body injuries. Despite this courage he is very cautious person. He would not keep any electronic instrument close to his vicinity. Some times he even avoids any device even if it is a simple watch near him because he believes this might help in targeting him.
He is intelligent and has reasonable strategic thinking, but he downgrades himself in the presence of Islamic scholars. He always admires Shiekh Safar al-Hawali and would have not gone through his current controversial path if al-Hawali was free. Some people saw him as a man with vision, others doubt it. They think that he never had clear long term plan. They see the last fatwah as evidence of that.
RELATION WITH AL-SAUD
Contrary to what is always reiterated bin Laden has never had official relations with the Saudi regime or the royal family. All his contacts would happen through his brothers. The brothers would approach two members of the royal family who were fairly sympathetic to Osama. They were Ahmed bin Abdul Aziz, deputy minister of interior and Abdul Rahman bin Abdul Aziz, deputy minister of defense. He might have met them in few occasions but those meetings would have been purely social or accidental in one of his brother's houses. Specifically he had no relation with Turki al-Faisal head of Saudi intelligence. He used to be very suspicious of his role in Afghanistan and once had open confrontation with him in 1991 and accused him of being the reason of the fight between Afghan factions. He was wary of the Saudi government very early in the eighties, but he thought it was wiser to keep silent and benefit from their de facto support to jihad in that period.
RELATION WITH AMERICA
Bin Laden has never had any relation with America or American officials. Claims of relation with CIA or other American departments are all unfounded. Since the late seventies he had strong anti-American feeling. He committed himself and family and advised all friends to avoid buying American goods unless it was necessary. He was saying very early in the eighties that the next battle is going to be with America. ... No aid or training or other support have ever been given to bin Laden from Americans. Bin Laden would bring money from individuals donating straight to him. The weapons he had were either captured from the Soviets or bought from other factions.
RELATION WITH PAKISTAN
Again there were no official relations with officials in Pakistani government. However, he had paramount respect by many Pakistanis including people in the army, intelligence and religious establishment. They were so penetrating that they would always leak any plan against him by the Pakistani-Saudi-American alliance.
RELATION WITH TALIBAN
His relation with Taliban would best be understood if Taliban themselves are understood properly. First of all Taliban are not simply another Afghan faction supported by Pakistan. Taliban are sincere to their beliefs, a religiously committed group unspoiled by political tactics. They would never bargain with what they see as matters of principle. Bin Laden for them is a saint. He is a symbol of sacrifice for the sake of jihad. They see him as very rich Arab from the Holy Land who gave up his wealth and luxury to fight for the sake of his brother Muslims in Afghanistan. They see themselves performing a double duty here, an Islamic duty of protecting this distinguished person and a tribal duty of protecting a descent refugee. The latter is a big value in Afghanistan. Once, a Taliban leader said to a Saudi envoy that if a goat would seek refuge to my tent I would never hand it over, how on earth do you want us to hand over a holy man like bin Laden?
There was no argument within Taliban about handing over bin Laden. There is however some difference in opinion about how high his media profile should be.
In addition to the factor of principle, bin Laden had twice had the credit of protecting Kabul recently.
Bin Laden became an intimate part of Taliban structure when he taught them how to deal with state affairs in a proper manner. For example, they were to be fooled by some oil and gas companies and sell the pipeline project for cheap. He advised them to learn from the Iraq-Turkey and Iraq-Syria agreements. They wanted to privatize some factories and were about to sell them to Pakistani businessmen for cheap prices. He taught them how to conduct proper bidding procedure and guarantee good prices.
RELATION WITH IRAN
It is needless to say that bin Laden has not had any relation with Iran. Iran knows that bin Laden is a committed Sunni and he regards Iran as Shi'a state. The trust between the two is minimal but both have avoided criticizing each other publicly. Having said that, he sees America as common enemy and according to a Pakistani newspaper he regards an anti-American alliance with Iran and China as something to be considered.
BIN LADEN FOLLOWERS
Bin Laden has two circles of followers. First are the closed core followers who are related to him by a chain of command and take orders like a secret organization. Most of those are probably in Afghanistan. Many are inside Saudi Arabia, Yemen, Somalia and probably Gulf countries. Like any secret group, those followers would not disclose their relation. Inside Saudi Arabia many of those would appear like any average citizen. The number of those is probably in hundreds.
The second circle is much wider and the number is probably in thousands. They are located in the same countries. They would look at bin Laden as Godfather but they do not have proper chain of command or secret links with him. They would regard themselves obliged to perform some of his general orders. Most of those followers are not organized and get trapped by the Saudi police fairly easily. But some are intelligent and make use of the loose nature of their structure to function without attracting attention.
Before his final departure from Saudi Arabia, his financial activities were almost copies of his brothers. Indeed, he is still part of the big mother company. However he had committed himself at very early stage to a special code which he thought was necessary to guarantee the Islamic nature of this activity. For example he would never invest in non-Islamic country. He would never use banks unless it was absolutely necessary. He does not believe in stock market because he thought the investor cannot escape interest since the money has to be in a bank and produce some interest. He is also preoccupied with the idea that Jews control banks and stock market.
He had three setbacks which would have made him bankrupt otherwise. The first was the freezing of his direct assets by the Saudi government. All his traceable money was frozen including his share in the big mother company of bin Laden. No body knows the exact amount but it was probably in the range of 200-300 million Dollars.
The second setback was the loss he had in Sudan. The Sudanese government was too weak financially to pay him for the construction projects and he ended up hardly with 10% of the payment. He lost in Sudan not less than 150 million dollars.
The third setback happened last year when one of his close aids defected to the Saudi government. The defector Sidi Tayyib Al-Madani had some financial information about him until early 1995. Bin Laden knew about the plans of this man to defect and so had few months to liquidate the few businesses known to this defector. There was very little trace of those businesses but dismantling them was not without loss.
There is, however the other side of the story. Bin Laden is a member of a big family. His father's financial inheritance has not been sorted. The brothers agreed to keep many assets of the father and distribute the profits only. Most of the brothers and sisters are observing Muslims and very keen not to "spoil" their income with money which is not theirs. They believe it is their duty to let the owner of any riyal to have it. The only way they guarantee that is by letting bin Laden's share reach him. Some of the brothers and sisters believed it was their religious duty to support this distinguished brother from their own money. While many are very careful not to irritate the royal family, many more do not care and insist on letting the money reach Osama.
The way bin Laden family money is structured is very complicated because there is the big company and there are many small companies of few brothers together, and there are many individuals with their personal investment. To make the matter even more complex it is very well known that bin Laden family money is intimately mixed with the royal family money in a very complex way. Most of the companies are joint ventures with members of the royal family including King Fahad himself.
There is another big source of income to bin Laden, donations. During the early jihad era when it was blessed by the Saudi regime, he made excellent relations with many wealthy Saudis and Arabs. It is true that most of those would not support him now because of the Saudi government position but some do take the risk.
Lastly, bin Laden activities are not very dependent on money. His followers are not mercenaries. Training does not cost a lot of money. Explosives and weapons are very cheap in some parts of the world. In Somalia TNT for example is cheaper than sugar. In Yemen you can buy an RPG for less than TV set. The role of money here is over exaggerated by many writers.
In the eighties bin Laden was seen as a star of the Afghan Jihad. He was very much admired and respected for his sacrifice but he was not seen as a potential leader. Almost nobody saw leadership ambitions in him at that period. His public image was so good that the regime used this image to have a boost during early days of the Gulf War. The regime published a fabricated interview with him in "Al-Muslimoon" newspaper claiming he supported the regime measures to counteract the Iraqi invasion.
In the period between Iraqi invasion and his reappearance in Afghanistan 1996 he was almost forgotten by the public. The elite and especially the jihadis were still admiring him and following up his news. Some even made their way to Sudan to meet him and offer support. The public were reminded about him by the video confessions of the group attributed to Riyadh bombing.
After his declaration of jihad in 1996 his public image had a surge but this time as a leader rather than a star. There was a lot of controversy about him. In Saudi Arabia nobody would accuse him of being part of conspiracy but people would differ about his new program. There was almost a consensus in the Saudi domain on refusal of American presence in Arabia and many would like the idea of expelling the Americans by force. Many others had reservations and thought violence will bring a lot of trouble to the country. Interestingly those who disagreed with him did not accuse him having personal agenda or looking for personal benefits.
This image went on with occasional boosts by the media until the African bombings. Interestingly the story of the International Front and fatwah did not attract much attention. The Kenya Tanzania bombings reminded people of bin Laden. The media coverage was so overwhelming that the Saudi authorities felt jealous of bin Laden. People's reaction, however, was mixed. While many felt triumph for scaring the Americans, many others felt upset by the picture of hundreds of civilians killed and injured in the attack. They felt that this can never be justified.
The American missiles then played very strong role in sorting the controversy. After the American attack on Sudan and Afghanistan it became almost shameful to criticize bin Laden. People inside Saudi Arabia and in other Arab countries were full of anger towards America, and whoever can antagonize America would provide a fulfillment to their desire of discharging their anger. The American strike with the associated remarks by Clinton and American officials proved that bin Laden is a big challenge to America. In the mind of average Arab and Muslim bin Laden appeared as the man who was able to drive America so crazy that it started shooting haphazardly at unjustified targets. There was another factor which made people forget the scene of civilian victims, the special nature of the Sudanese factory. Those who had reservations of the African bombings thought that this arrogance of the Americans is much worse than the embassy bombings. Their view was that while bin Laden or others can make "executive" mistake because of their difficult circumstances, logistics and communication, America is not supposed to do this mistake unless it is done in purpose.
Interestingly the jealousy of the Saudi regime was seen clearly in the Saudi media when they instructed the Saudi TV and radio not to mention bin Laden name at all. Even when they reported the American missile attack the news item was " attack on terrorist base in Afghanistan, period".