| Risk management: How BIL Strengthens Resilience in a Changing World | https://www.bil.com/en/bil-group/pressroom/news/Pages/risk-management-how-bil-strengthens-resilience-in-a-changing-world.aspx | Risk management: How BIL Strengthens Resilience in a Changing World | | <p>In their 2026-2028 regulatory agenda, that includes the continued implementation of CRR III and CRD VI, the supervisory authorities maintain strong expectations regarding capital adequacy, governance and risk management. These developments are transforming the way risk-weighted assets are calculated, prompting banks to optimise capital allocation across their business lines. While traditional prudential risks remain at the core of regulatory expectations, the scope of Risk Management continues to expand.</p>
<h2>Adapting to a new generation of risks</h2>
<p>Cyber threats, geopolitical tensions and sustainability challenges are elevating the importance of non-financial risks and requiring new capabilities and greater organisational agility. Regulatory frameworks such as DORA further reinforce expectations around operational resilience, particularly in relation to IT systems, cyber security and third-party providers. As non-financial risks continue to grow in complexity and significance, understanding their potential impact on the Bank’s operations, reputation and long-term sustainability has become a strategic imperative. </p>
<p>For BIL, these changes represent an opportunity not only to reinforce its foundations, but also to strengthen its ability to support clients, allocate capital efficiently, and pursue sustainable growth.</p>
<blockquote>
<p>
Risk is evolving rapidly in today’s environment. Ten years ago, risk discussions focused primarily on credit and market risk. Today, we must also anticipate cyber threats, operational disruptions, ESG factors and other emerging risks that could affect our clients, our business and the wider financial system.
</p>
<cite>Jérôme Nèble, Chief Risk Officer, BIL</cite>
</blockquote>
<p>This broader, more interconnected view of risk calls for a forward-looking approach and close collaboration across all departments of the Bank. </p>
<blockquote>
<p>Today’s challenge is not only to understand individual risks. It is to understand how they interact with one another and ensure the Bank is prepared across all dimensions.</p>
</blockquote>
<h2>From regulatory compliance to strategic advantage</h2>
<p>Risk Management is no longer simply about compliance, it is a strategic enabler that supports BIL’s long-term ambitions. By embedding risk awareness into everyday decision-making, the Bank ensures that risk considerations are fully integrated into how it manages its business, serves clients and delivers its strategy.</p>
<p>This commitment is reflected in several strategic initiatives. BIL is strengthening its governance framework and risk culture, reinforcing accountability and transparency across the organisation. At the same time, the Bank is enhancing its data, modelling and risk measurement capabilities through stronger data governance and an updated model strategy.</p>
<p>Capital discipline remains central to BIL’s strategy. The Bank is enhancing the accuracy of its capital and risk calculations while actively managing its non-performing loan portfolio, supporting the continued strength of its balance sheet. In parallel, BIL is refining the way it assesses profitability by incorporating the level of risk associated with activities, products and client relationships. This enables more effective capital allocation, directing resources towards activities that generate sustainable returns while maintaining a prudent risk profile. The approach is supported by a more granular view of client profitability and the active development of synergies across business lines</p>
<blockquote>
<p>Effective risk management is not about limiting ambitions. It is about creating the confidence to make the right decisions, seize opportunities, support clients and generate long-term value.</p>
</blockquote>
<p>Looking ahead, Jérôme Nèble expects the banking sector to face increasing complexity, requiring institutions to remain agile and forward-looking. A strong risk framework will remain essential to helping BIL navigate change and reinforce its position as a trusted partner for clients, employees and stakeholders.</p> | 15-Oct-26 9:00:00 AM | EN | As geopolitical tensions, digital transformation and regulatory expectations continue to reshape the banking sector, resilience has become a key strategic priority for banks. | | |
| Bancomat: A New ATM Network for Customers in Luxembourg | https://www.bil.com/en/bil-group/pressroom/news/Pages/bancomat-a-new-atm-network-for-customers-in-luxembourg.aspx | Bancomat: A New ATM Network for Customers in Luxembourg | | <p>The rollout of the Bancomat network is now underway. Led by BIL, Spuerkeess, BGL BNP Paribas, POST Luxembourg and Banque Raiffeisen, this collective initiative is progressively transforming several separate ATM networks into a single national network. The objective is simple: to provide customers with easier access to essential cash services anywhere in Luxembourg.</p>
<p>In the longer term, more than 200 Bancomat ATMs will be available across the country, with an optimised footprint designed to ensure better nationwide coverage. </p>
<p>For BIL customers, this means:</p>
<ol>
<li>
<p><b>a new look:</b> en favorisant l’accès à des événements artistiques et en soutenant la création locale.</p>
</li>
<li>
<p><b>greater proximity:</b> with more access points available throughout Luxembourg;</p>
</li>
<li>
<p><b>an enhanced experience: </b>with new services to come and the possibility to deposit cash at 80% of the new Bancomat ATMs;</p>
</li>
<li>
<p><b>simplicity:</b>customers will continue using their bank card as they do today to access BIL services such as Quick Money;</p>
</li>
<li>
<p><b>no additional fees.</b></p>
</li>
</ol>
<h2>A New Generation of ATMs</h2>
<p>The rollout of Bancomat includes the gradual installation of modernised equipment. These new ATMs have been designed to provide a smoother, more intuitive and more secure user experience. They incorporate accessibility features such as audio assistance and ergonomics adapted for people with reduced mobility or visual impairments. Additional features will progressively enhance the customer experience, including contactless cash withdrawals. Finally, the new Bancomat ATMs offer enhanced security standards to better protect users and their day-to-day transactions.</p>
<h2>A More Sustainable Approach</h2>
<p>Beyond the benefits for customers, Bancomat is also part of an initiative to reduce the carbon footprint associated with ATM operations. The consolidation of networks, combined with cash recycling functionality on deposit-enabled Bancomat machines, helps reduce cash transportation and maintenance operations. The use of modern technologies also delivers greater energy efficiency. This approach contributes to building a more sustainable model for local banking services.</p>
<h2>A Shared Vision for the Future of Banking Services</h2>
<p>For BIL, the creation of the Bancomat network demonstrates the ability of Luxembourg's banking sector to collaborate around a common objective: improving the customer experience while preparing the infrastructure of tomorrow. </p>
<blockquote>
<p>
With Bancomat, the five partner banks have chosen to join forces to offer customers a modern, accessible and efficient network. This initiative strengthens access to banking services across Luxembourg while introducing a new generation of ATMs that are more innovative, more sustainable and safer.
</p>
<cite>Olivier Gorin, Head of Digital Banking, BIL</cite>
</blockquote>
<div class="newstories-highlight">
<p>Learn More</p>
</div>
<p>The rollout of the Bancomat network will continue progressively throughout 2026 and 2027, with new features being activated and additional ATMs being installed or replaced across the country.</p>
🔗 <a href="https://bancomat.lu/en/" target="_blank">Discover the new Bancomat network and find an ATM near you. </a>
<div class="video-panel-content" style="width: 800px;max-width: 100%;aspect-ratio: 1920 / 1080;margin-top:50px;margin-bottom:50px;">
<div class="video-panel-content-frame">
<video controls="" style="max-width: 100%;height: auto;">
<source src="/PublishingImages/Videos/Bancomat.mp4" type="video/mp4">
Votre navigateur ne supporte pas la vidéo HTML5.
</video>
</div>
<div class="video-panel-content-overlay"style="background-image: url(/PublishingImages/site-groupebil/news/bancomatlu.jpg);">
<div class="video-panel-content-play">
<svg viewBox="0 0 330 330">
<path
d="M292.95,152.281L52.95,2.28c-4.625-2.891-10.453-3.043-15.222-0.4C32.959,4.524,30,9.547,30,15v300
c0,5.453,2.959,10.476,7.728,13.12c2.266,1.256,4.77,1.88,7.272,1.88c2.763,0,5.522-0.763,7.95-2.28l240-149.999
c4.386-2.741,7.05-7.548,7.05-12.72C300,159.829,297.336,155.022,292.95,152.281z M60,287.936V42.064l196.698,122.937L60,287.936z" />
</svg>
</div>
</div>
</div>
| 08-Oct-26 8:00:00 AM | EN | Since 28 September 2026, the first Bancomat ATMs have been gradually coming into service across Luxembourg. | | |
| BIL welcomes the launch of Kyndryl's AI Innovation Lab in Luxembourg | https://www.bil.com/en/bil-group/pressroom/news/Pages/bil-welcomes-the-launch-of-kyndryls-ai-innovation-lab-in-luxembourg.aspx | BIL welcomes the launch of Kyndryl's AI Innovation Lab in Luxembourg | | <p>As the Lab's anchor customer, the Bank is pleased to support a project that brings new capabilities to the Luxembourg market and creates opportunities to develop practical solutions for regulated industries. </p>
<p>The new Lab will bring together expertise from technology, financial services, academia and public institutions, creating an environment where ideas can be explored, tested and transformed into secure, compliant and business-relevant applications. For BIL, the initiative aligns closely with its strategy to become a more Lean, Efficient, Agile, Digital and Data-Driven (LEAD) organisation, while remaining focused on delivering value to customers and empowering employees with the right tools and capabilities. </p>
<p>As customer expectations continue to evolve, banks must find new ways to simplify processes, improve responsiveness and enhance customer experiences while maintaining the highest standards of security, resilience and data protection. The AI Innovation Lab offers a space to explore how emerging technologies can help address these challenges responsibly and effectively. </p>
<p>The initiative builds on the long-standing partnership between BIL and Kyndryl. Combining Kyndryl's global technology expertise with BIL's deep banking knowledge and customer insight creates a strong foundation for identifying and developing solutions that respond to real business needs and practical customer challenges. </p>
<blockquote>
<p>
The launch of Kyndryl's AI Innovation Lab is an important investment in Luxembourg's innovation ecosystem. As the Lab's anchor customer, we are excited to explore how new technologies can help simplify banking, improve customer experiences and support our ambition to become a more agile, digital and data-driven organisation, while maintaining the high standards of trust, security and reliability our customers expect.
</p>
<cite>Jeffrey Dentzer, CEO of BIL</cite>
</blockquote>
<div class="newstories-gal">
<div class="newstories-gal-preview">
<img src="/PublishingImages/site-groupebil/newstories/galery/AILab/001.jpg" alt="exemple">
<div class="newstories-gal-filter"></div>
<div class="newstories-gal-cta">
<p>
Photo gallery</p>
<div class="newstories-gal-cta-picto">
<svg viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="2"
stroke-linecap="round" stroke-linejoin="round">
<path stroke="none" d="M0 0h24v24H0z" fill="none" />
<path
d="M7 5.667a2.667 2.667 0 0 1 2.667 -2.667h8.666a2.667 2.667 0 0 1 2.667 2.667v8.666a2.667 2.667 0 0 1 -2.667 2.667h-8.666a2.667 2.667 0 0 1 -2.667 -2.667l0 -8.666" />
<path
d="M4.012 7.26a2.005 2.005 0 0 0 -1.012 1.737v10c0 1.1 .9 2 2 2h10c.75 0 1.158 -.385 1.5 -1" />
<path d="M17 7h.01" />
<path d="M7 13l3.644 -3.644a1.21 1.21 0 0 1 1.712 0l3.644 3.644" />
<path d="M15 12l1.644 -1.644a1.21 1.21 0 0 1 1.712 0l2.644 2.644" />
</svg>
</div>
</div>
</div>
</div><br>
<p>Beyond its relevance for the financial sector, the AI Innovation Lab also represents a positive development for Luxembourg's broader innovation ecosystem. By encouraging collaboration across disciplines and sectors, it contributes to the country's continued competitiveness and attractiveness as a centre for business, technology and investment. As a bank that has been part of Luxembourg's history for 170 years, BIL welcomes initiatives that help shape the future of the Grand Duchy and support sustainable economic growth. </p>
<p>As the Lab begins its journey, BIL looks forward to exploring the opportunities it can create for customers, employees and the wider Luxembourg ecosystem, while continuing to place trust, innovation and customer value at the heart of everything it does. </p>
<div class="newstories-popup">
<div class="newstories-popup-scroll">
<div class="newstories-popup-content">
<div class="newstories-popup-gap">
<div class="newstories-popup-close">
<div class="newstories-popup-close-btn">
<p>Close</p>
<span>
<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"
fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round"
stroke-linejoin="round" class="icon icon-tabler icons-tabler-outline icon-tabler-x">
<path stroke="none" d="M0 0h24v24H0z" fill="none" />
<path d="M18 6l-12 12" />
<path d="M6 6l12 12" />
</svg>
</span>
</div>
</div>
</div>
<div class="newstories-popup-imgs">
<div class="newstories-popup-imgs-slider">
<div class="newstories-popup-imgs-slider-panel">
<div class="newstories-popup-imgs-item">
<img src="/PublishingImages/site-groupebil/newstories/galery/AILab/001.jpg" alt="">
</div>
<div class="newstories-popup-imgs-item">
<img src="/PublishingImages/site-groupebil/newstories/galery/AILab/002.jpg" alt="">
</div>
</div>
<div class="newstories-popup-nav --prev --dk">
<svg viewBox="0 0 24 24" fill="none" stroke-width="2" stroke-linecap="round"
stroke-linejoin="round">
<path stroke="none" d="M0 0h24v24H0z" fill="none" />
<path d="M15 6l-6 6l6 6" />
</svg>
</div>
<div class="newstories-popup-nav --next --dk">
<svg viewBox="0 0 24 24" fill="none" stroke-width="2" stroke-linecap="round"
stroke-linejoin="round">
<path stroke="none" d="M0 0h24v24H0z" fill="none" />
<path d="M9 6l6 6l-6 6" />
</svg>
</div>
</div>
</div>
<div class="newstories-popup-preview">
<div class="newstories-popup-preview-slider">
<div class="newstories-popup-preview-slider-panel">
<div class="newstories-popup-preview-item">
<img src="/PublishingImages/site-groupebil/newstories/galery/AILab/001.jpg" alt="">
</div>
<div class="newstories-popup-preview-item">
<img src="/PublishingImages/site-groupebil/newstories/galery/AILab/002.jpg" alt="">
</div>
</div>
<div class="newstories-popup-count-panel">
<div class="newstories-popup-nav --prev --mob">
<svg viewBox="0 0 24 24" fill="none" stroke-width="2"
stroke-linecap="round" stroke-linejoin="round">
<path stroke="none" d="M0 0h24v24H0z" fill="none" />
<path d="M15 6l-6 6l6 6" />
</svg>
</div>
<div class="newstories-popup-nav --next --mob">
<svg viewBox="0 0 24 24" fill="none" stroke-width="2"
stroke-linecap="round" stroke-linejoin="round">
<path stroke="none" d="M0 0h24v24H0z" fill="none" />
<path d="M9 6l6 6l-6 6" />
</svg>
</div>
</div>
</div>
</div>
</div>
</div>
</div> | 02-Oct-26 9:00:00 AM | EN | BIL welcomes the launch of Kyndryl's AI Innovation Lab in Luxembourg, an initiative that reinforces the country's position as a leading hub for innovation, technology and financial services. | | |