BIL delivers strong 2025 financial results

Banque Internationale à Luxembourg (BIL) today announced its financial results for the year ended 31 December 2025, reporting a solid increase in profitability and significant progress in the first year of its 2025–2030 Strategic Plan.

Key Figures

• Assets under Management: EUR 50.1 billion

• Customer deposits: EUR 18.7 billion

• Customer loans: EUR 16.2 billion

• Total revenues: EUR 708 million

• Expenses: EUR 485 million

• Net income: EUR 210 million

• CET1 ratio: 14.46% (after profit allocation)

• Liquidity coverage ratio: 177 %

These results demonstrate the strength of our strategic choices and the commitment of our teams. We are building a more agile and client centric BIL, equipped to deliver sustainable performance in a complex environment. By putting our clients at the heart of everything we do and continually enhancing our service offering, we create lasting relationships and drive long-term growth as we move forward.

Jeffrey Dentzer, CEO of BIL

Strong Financial Performance

Despite a challenging macroeconomic environment marked by subdued global growth and persistent geopolitical tensions, BIL demonstrated resilience, disciplined execution, and growing momentum in its transformation.

BIL reported a net income of EUR 210 million, up 24% compared with EUR 170 million in 2024. This performance was supported by effective cost control, a significantly lower cost of risk, and the positive contribution from discontinued operations following the sale of BIL Manage Invest. Total revenues remained stable at EUR 708 million, while operating expenses decreased to EUR 485 million (–2% YoY), reflecting clarity in strategic prioritisation, improved operational efficiency, and the structural streamlining of the organisation.

BIL delivered a solid performance with Assets under Management rising to EUR 50.1 billion (+7% YoY), driven by a EUR 3.2 billion positive market effect and EUR 0.2 billion in net new assets. Balance sheet figures remained stable with customer deposits at EUR 18.7 billion and customer loans at EUR 16.2 billion. BIL also maintained strong capital and liquidity positions, with a CET1 ratio of 14.46% (after profit allocation) and a liquidity coverage ratio of 177%.

Year One of the 2025–2030 Strategy: Major Milestones Achieved

2025 marked the first year of BIL’s 2025-2030 strategic plan, which aims to strengthen the Bank’s position as a universal bank rooted in Luxembourg, deliver sustainable value and support its clients’ long- term ambitions. The Bank launched a series of transformative initiatives to sharpen its commercial focus, simplify its organisational structure and drive sustainable growth.

European markets, especially within its Wealth Management franchise. The Bank opened a new branch in Paris to accelerate growth in France, while selectively streamlining its international footprint through the closure of its Hong Kong wealth management office and the wind‑down of Belair House, in line with its strategic priorities.

At the same time, BIL reshaped its Wealth Management model to become leaner, more client centric, and better equipped to serve entrepreneurial families and cross-border clients. Anchored in its two booking centres, Luxembourg and Switzerland, the Bank strengthened collaboration between Wealth Management, Corporate Finance, Digital Banking, and Corporate Banking to deliver more holistic advisory solutions. These changes have already resulted in increased client proximity, new advisory mandates, and a stronger commercial foundation to sustain future momentum.

During 2025, BIL accelerated its digital transformation with the clear ambition of creating a best in class, end to end banking experience. The Bank expanded self service capabilities through digital onboarding, e signature and online subscription of savings products, simplifying client interactions. In parallel, BIL introduced “Berry”, Luxembourg’s first AI powered virtual banking assistant, marking a major milestone in its digital evolution and offering clients faster, more intuitive support directly within the BILnet platform. A redesigned version of BILnet further improved usability and consistency. Together, these enhancements freed relationship managers to focus on client interactions and laid the foundation for scalable growth beyond Luxembourg.

BIL’s Corporate and Institutional Banking division gained renewed momentum in 2025 as the Bank expanded its offering for SMEs, mid-cap clients, corporates, and institutional investors. A new partnership with Agicap enhanced BIL’s ability to support clients with cash flow management tools, while a dedicated Cash Collection Desk provided improved solutions for managing liquidity, working capital, and treasury solutions.

Driving Innovation Through Strategic Collaborations

As BIL sharpens its focus on core strengths, it increasingly collaborates with best-in-class partners to reinforce its service offering and technical expertise.

The partnership with LIST supported robust evaluation frameworks for its AI-powered assistant Berry, while participation in EPI’s digital wallet Wero demonstrates BIL’s commitment to trusted, future‑ready payment solutions. The consolidation of fund execution and distribution activities with Clearstream further strengthens operational reliability, transparency and governance. Together, these partnerships ensure that BIL brings the most advanced expertise, technology, or service to its clients while maintaining high standards of reliability, transparency, governance, and security.

Looking Ahead with Clarity, Trust and Momentum

BIL enters 2026 with a strengthened balance sheet, clearer operating model, reinforced client trust and tangible strategic momentum. The Bank will continue to advance its transformation by deepening personalised banking relationships, scaling digital and AI capabilities, and expanding its cross-border presence in France and Belgium. BIL remains committed to building long-term value for its clients, employees and the Luxembourg economy.