Alerte phishing phishing<b>Warning – ongoing phishing alerts!</b> <br>We have noticed fraudulent calls and SMS messages pretending to be from BIL. Please be extremely vigilant. If you receive a suspicious message or call, ignore it, hang up or delete the message immediately. Do not click on any links and do not under any circumstances share your personal information, such as your login, password or OTP code. <br><br><b>Are you a victim of fraud?</b> Call our hotline on <a href="tel:+35245907070">+352 4590 7070</a>, open from 8:30am – 6pm Monday-Friday, send us a <a href="">secure message</a> via BILnet, or use this <a href="/en/individuals/questions-and-contact/Pages/contact-us.aspx">contact form</a>. 7



Groupe BIL BIL<div class="section-banner-item-inner" data-serialswipe-fx="zoomin"> <h4 class="section-banner-title">Welcome</h4> <p>BIL has been serving retail and business clients since 1856. Its systemic importance makes the bank a key player in the Luxembourgish economy.</p> </div>
Phishing<div class="section-banner-item-inner white" data-serialswipe-fx="zoomin"> <h4 class="section-banner-title">Warning – ongoing phishing alerts!</h4> <p>Be on the lookout for fraudulent calls and text messages. Do not share any personal information or click on any links.</p> <p><a class="section-banner-button" href="/en/individuals/security-prevention/Pages/Index.aspx?utm_source=BIL-COM&utm_medium=HP_PARTICULIER_EN&utm_campaign=PHISHING">Find out more</a></p> </div>



Six major financial services players in Luxembourg join forces to create a shared ATM network major financial services players in Luxembourg join forces to create a shared ATM network<p><b>Spuerkeess</b>, <b>Banque Internationale à Luxembourg</b>, <b>BGL BNP Paribas</b>, <b>Banque Raiffeisen</b>, <b>POST Luxembourg</b> and <b>ING Luxembourg</b> aim to provide their clients with access to a broad ATM network with optimal coverage across the Grand Duchy of Luxembourg by 2025.</p> <p>Management of the network will be entrusted to a new company operating under the Bancomat brand name.</p> <p>This joint network will make it possible:</p> <ul class="list-check"> <li>To guarantee proximity and access to self-service banking through an optimal and balanced spread of ATMs throughout Luxembourg, in both urban and less densely populated rural areas.</li> <li>To meet new expectations of individuals, retailers and businesses for self-service banking with state-of-the-art, secure ATMs.</li> <li>For people with reduced mobility and visual impairments to easily access the ATMs, thanks to lower keyboards and an audio option.</li> <li>To develop the range of services and functions available on the ATMs.</li> </ul> <p>The new ATMs will also help reduce the network’s carbon footprint:</p> <ul class="list-check"> <li>A recycling function will be integrated: banknotes deposited by clients will be distributed during withdrawals, thereby reducing the need for cash transport.</li> <li>Their new technology will reduce energy consumption by at least 30% compared with current ATMs.</li> </ul> <p>Pooling the ATM networks of the six partners will not involve any additional costs for clients, who will continue to benefit from the services provided by their bank throughout Luxembourg.</p> <p>Find out more about the progress of this project at: <a href="" target="_blank"></a>.</p> <p>Contact: <a href=""></a></p> 11/21/2023 11:00:00 AM
Activity report 2022-2023 report 2022-2023<style> #downloadpdfnews{display:none !important;} </style> <iframe width="100%" style="margin-top: 50px;border: 0px; height: 500px;" src="" ></iframe>10/5/2023 4:00:00 PM
Supporting clients in a complex environment clients in a complex environment<p>Over the past 12 months, central banks around the world are raising interest rates to curb the highest levels of inflation seen in decades, and tightening financial conditions. This environment, not seen in years, brings new challenges which BIL is closely monitoring. As a systemic bank, it is following a prudent approach. Risks are identified and managed consistently. BIL has strong financial fundamentals, as shown by the recent ECB Stress Test exercise. Its CET1 ratio stands at 13.63% and it LCR at 154.4%. With robust levels of capital and liquidity, BIL is a reliable partner for all its clients. </p> <p>Marcel Leyers, CEO of BIL commented: <br>“<i>In the complex environment we are currently navigating, the mission of our teams is first and foremost to support our clients and to ensure them of our undivided support. The combination of this relentless work, our resources and our capabilities continued to drive growth in 2023.</i>”</p> <p>During the first half of the year, BIL strengthened its services aimed at entrepreneurs and individual clients with an entrepreneurial mindset. It focused on supporting its clients on its key commercial markets from its hubs in Luxembourg, Switzerland and China. The Group has also made significant progress on its sustainable development action plan, building up skills and awareness on ESG requirements and expanding its ESG investment and financing offering.</p> <p><b>A sound financial performance</b></p> <p>BIL’s net income after tax reached 103 million euros in June 2023 compared with 68 million euros in June 2022. This increase is driven by solid revenues from commercial activities and efficient cost control. To be noted, an increase of the cost of risk, due to prudent provisioning in line with the interest rate increase and inflation.</p> <p>BIL focused on proactively helping clients navigate the current environment of rising interest rates. Client deposits decreased by 6.8% to 19.6 billion euros as they moved their deposits to more remunerative products and also proceeded to the early repayment of their variable rate loans. Client loans slightly decreased to 16.4 billion euros down from 16.5 billion euros at the end of 2022. This decrease is linked to the continued general slowdown in mortgage loan production in Luxembourg, impacted by the rapid rise in interest rates decided by the ECB and delays in new construction projects caused by the current downturn in the real estate sector, the rising cost of raw materials, supply chain disruption and early reimbursement as clients are using their excess of liquidity to deleverage their investment profile. Assets Under Management increased to 44.1 billion euros compared with 43.5 billion euros at year end 2022 due to a positive market effect. </p> The <a href="/Documents/brochures/semi-annual-report-2023-en.pdf" target="_blank">full 2023 semi-annual report</a> is available on</p>9/4/2023 10:00:00 AM



Press releases

    View all press releases

    Publications and brochures

      View all publications

      Career website

      Find out what our experts like about working for BIL, browse the blog and apply for a vacant position: