Alerte phishinghttps://www.bil.com/en/Lists/BILInternetAlerts/DispForm.aspx?ID=7Alerte phishing<b>Warning – ongoing phishing alerts!</b> <br>Phishing links are appearing on search engines such as Google, trying to redirect you to a fraudulent website. Only use our official address bil.com or our official app BILnet which you can find on app stores. <br>Fraudulent emails and SMS messages are also circulating using BIL’s visual identity to steal customer identifiers. <a href="https://www.bil.com/en/individuals/security-prevention/Pages/Index.aspx">Find out more about these attempts and how to protect yourself here</a>. <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="https://www.bil.com/static/bilnetapp/index-en.html?f=contacts&s=envoyer-message-messagerie-securise&l=mobile">secure message</a> via BILnet, or use this <a href="/en/individuals/questions-and-contact/Pages/contact-us.aspx">contact form</a>. 7

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Access BILnet accountshttps://www.bil.com/en/Lists/BILInternetToolbar/DispForm.aspx?ID=1Access BILnet accounts<a id="bilnetlu" class="linkToolbar" href="javascript:void(0);">Access BILnet accounts</a>1

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Investor relations

BIL is a leading independent bank in Luxembourg with a strong brand and offers retail, private, corporate and institutional banking as well as treasury and financial market services.

Investment in BIL represents a rare opportunity for international diversification in the financial sector of Luxembourg, a AAA rated country at the heart of Europe. BIL is one of the biggest banks in Luxembourg and is recognised as systemically important by the European Central Bank. Legend Holdings, a Chinese investment group listed on the Hong Kong Stock Exchange who founded the Lenovo Group, holds a 90% stake in BIL. The remaining 10% are owned by the Luxembourgish Government, thereby further strengthening the strategic position of the bank.

Investor presentation

The investor presentation contains dedicated information for potential buyers of BIL Notes, including an introduction to the bank with key figures pertaining to BIL’s financial performance, asset quality, solvency and liquidity as well as a detailed description of its shareholding structure.

Download the presentation

Ratings and key figures

​A- / Stable / A-2

Full rating report - 12/15/2020
​Standalone Rating SACP bbb+
​ALAC Support +1 notch
​Last rating action 22 Nov 2019
​Rating affirmed 27 Oct 2022
A2 / Stable / P-1

Full rating report - 15/07/2022
​Standalone Rating (BCA) baa2
​Government uplift +1 notch
Loss Given Failure (LGF) +2 notches
Last Rating Action (ratings affirmed) 15 July 2022
Periodic review (ratings affirmed) ​6 Oct 2021

Strong 2022 Performance in a year of many challenges:

  • Net income after tax: EUR 153 million, +13%
  • Assets under Management: EUR 43.5 billion, -5.3%
  • Customer deposits: EUR 21 billion, +1.7%
  • Customer loans: EUR 16.5 billion, +0.8%
  • Common Equity Tier 1 Capital Ratio (CET1): 14.03% (after 2022 profit allocation)
  • Liquidity Coverage Ratio (LCR): 153%

Debt issuance

BIL offers an entire range of investment opportunities for financial professionals and retail clients through its Euro Medium Term Note (EMTN) programme.

EMTN Programme:

Structured Note Issuance Programme :

Swiss Issuance Programme:

GREEN BOND DOCUMENTATION

Subordinated debt:

Financial and risk reports

BIL publishes annual and semi-annual financial and risk reports:

Investor relations contacts

+352 4590-1

Olivier Habay
Head of Long Term Funding

Didier Le Gloan
Head of Financial Communication

Jérôme Nèble
Head of Products & Markets

Nico Picard
CFO

 

 

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