| 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>
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<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>
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| 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>
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<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>
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</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. | | |
| Financing Transformation: How BIL is building tomorrow while delivering today | https://www.bil.com/en/bil-group/pressroom/news/Pages/financing-transformation-how-bil-is-building-tomorrow-while-delivering-today.aspx | Financing Transformation: How BIL is building tomorrow while delivering today | | <p>In a fast-changing environment marked by evolving client expectations, technological disruption and increasing regulatory demands, the bank continued to deliver solid results while advancing the transformation outlined in its Building Tomorrow Together strategy.</p>
<p>Revenues increased to EUR 359 million, Assets under Management reached EUR 50.3 billion, customer deposits grew to EUR 19.2 billion and customer loans rose to EUR 16.8 billion. At the same time, the Bank maintained a net profit of EUR 90 million and further improved its efficiency ratio, demonstrating both resilience and financial discipline.</p>
<p>For <b>Melanie Babb, Chief Financial Officer of BIL</b>, these figures tell a story that goes far beyond the numbers.</p>
<blockquote>
<p>
Financial performance is important, but what matters just as much is what it enables us to do. Maintaining a strong financial position allows us to invest in our future, support our clients' evolving needs and continue transforming the bank.
</p>
</blockquote>
<h2>A strategy focused on long-term value</h2>
<p>In an environment marked by economic uncertainty, geopolitical tensions and growing regulatory requirements, BIL is pursuing the next phase of its strategic plan, Building Tomorrow Together. The ambition is clear: become a simpler, more agile and more data-driven bank while continuing to deliver value to clients and stakeholders.</p>
<p>For Melanie Babb, finance plays a central role in making that transformation possible. </p>
<blockquote>
<p>
Transformation requires making choices. As a bank, we must balance short-term performance with long-term investments that will strengthen our business over time. Our role in Finance is to ensure we allocate resources where they can create the greatest value.
</p>
</blockquote>
<h2>Investing in the BIL of tomorrow</h2>
<p>One of the most visible examples is the Bank's ongoing technology transformation. Earlier this year, BIL extended its strategic partnership with Kyndryl to further modernise its technology foundations, strengthen cyber resilience and accelerate innovation.</p>
<p>At the same time, the Bank continues to invest in its data capabilities, a critical asset for financial institutions and a cornerstone of its future AI ambitions.</p>
<blockquote>
<p>
Data is a key driver of decision-making, risk management and client service. But it is also the foundation of our AI strategy. To unlock the full potential of AI, we first need data that is reliable, trusted and well governed. That is why we are investing both in our data capabilities and in the modernisation of our technology platform.
</p>
</blockquote>
<p>These investments are helping BIL build the technological and data foundations needed to support future growth, accelerate innovation and meet increasingly demanding regulatory expectations while delivering even greater value to clients. </p>
<h2>Enhancing the client experience through digital innovation</h2>
<p>Transformation is not only happening behind the scenes. It is also reshaping how clients interact with the bank.</p>
<p>Over the past months, BIL has continued to expand and improve its digital banking services, including the launch of digital onboarding for Belgian clients and the deployment of a new mortgage origination platform designed to simplify and accelerate processes.</p>
<p>The bank is also investing in artificial intelligence to enhance both employee productivity and client experience. One example is Berry, BIL's AI-powered assistant, whose capabilities continue to evolve.</p>
<blockquote>
<p>
Artificial intelligence offers significant opportunities, but its value comes from how we use it. Our objective is not technology for technology's sake. It is about helping colleagues work more efficiently, simplifying processes and ultimately creating a better experience for clients.
</p>
</blockquote>
<p>These initiatives demonstrate how innovation and financial discipline can work hand in hand says Melanie Babb.</p>
<blockquote>
<p>
Every investment must support our strategic priorities and contribute to sustainable value creation. Technology, digitalisation and AI are important enablers of our future competitiveness.
</p>
</blockquote>
<h2>Supporting growth across our core markets</h2>
<p>Alongside its transformation efforts, BIL continues to invest in growth opportunities across its core businesses and markets. The bank's Wealth Management activity remains a strategic priority, with a particular focus on strengthening its presence in Europe. Following the opening of its Paris branch in 2025, BIL is continuing to develop its capabilities to support private clients, entrepreneurs and families across its target markets.</p>
<p>This growth ambition is supported by a diversified business model, strong capital position and solid liquidity profile, allowing the bank to invest confidently while remaining resilient in a changing environment.</p>
<h2>Building tomorrow, today</h2>
<p>Looking ahead, Melanie Babb believes the priorities are clear: continue improving efficiency, invest in innovation, strengthen resilience and support sustainable growth. The transformation of BIL is not a one-off project but an ongoing journey requiring constant adaptation and disciplined execution.</p>
<blockquote>
<p>
The banking industry is evolving rapidly. Client expectations are changing, technology is advancing and the regulatory landscape continues to evolve. Our responsibility is to ensure BIL is prepared for the future while continuing to deliver on our commitments today.
</p>
</blockquote>
<p>The bank's half-year results show that progress is already underway. Beyond the figures, they reflect a broader ambition: building a stronger, more innovative and more agile BIL for the years ahead.</p> | 24-Sep-26 2:00:00 PM | EN | BIL's half-year 2026 results tell a story that goes beyond financial performance. | | |
