BILnet
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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, an 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. The Luxembourgish Government holds a 10% stake in BIL, thereby further strengthening the strategic position of the bank. The remaining 90% of BIL are owned by the Chinese investment group Legend Holdings who are listed on the Hong Kong Stock Exchange and founded the Lenovo Group.

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

S&P
20.12.2018
Full rating report		 Fitch
23.11.2018
Full rating report		 Moody’s
07.05.2018
Full rating report
Long-term rating A- BBB+ A2
Short-term rating A-2 F2 P-1
Outlook stable positive stable

Robust financial health (31.12.2018):

  • Net income after tax: EUR 131 million, +5% (EUR 124 million in 2017 after restatement)
  • Assets under Management: EUR 39.5 billion, +0.2% (EUR 39.4 billion in 2017)
  • Customer deposits: EUR 17.3 billion, +5.8% (EUR 16.3 billion in 2017)
  • Customer loans: EUR 13.4 billion, with a +5.2% increase in commercial loans
  • Common Equity Tier 1 Capital Ratio: 12.04%
  • Capital Adequacy Ratio: 15.62%

Debt issuance

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

EMTN Programme:

Subordinated debt:

Schuldschein:

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

Jérôme Nèble
Head of ALM

Nico Picard
CFO

 

 

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