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The bank

 

 

Discover BILhttps://www.bil.com/en/bil-group/the-bank/Pages/discover-BIL.aspxDiscover BIL<!-- section : présentation du groupe --> <div data-section="Groupe BIL" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">BIL, a key player in the Luxembourg financial market</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <iframe width="100%" height="315" src="https://www.youtube.com/embed/R5w52fPipNs?rel=0" frameborder="0" allowfullscreen style="margin-top: 50px;"></iframe> </div> <div class="sub-column-50"> <p>Founded in 1856, Banque Internationale à Luxembourg (BIL) is the oldest private banking group in the Grand Duchy. It issued its first banknotes in the year it was created and retained this privilege until the introduction of the euro.</p> <p>Recognised as being a true cornerstone of the Luxembourg financial market, BIL plays a key role in developing the local economy. Operating in retail banking, private banking and corporate banking activities, it is among the country’s top three banks.</p> <p>BIL is currently owned by Legend Holdings - a leading diversified investment group that is headquartered in Beijing, China, and listed on the Hong Kong Stock Exchange – and the State of Luxembourg.</p> <p>Its systemic importance has been confirmed by the European Central Bank. The BIL group employs more than 2,000 staff worldwide.</p> </div> </div> </div> </div> <!-- section : Métiers de la banque --> <div data-section="Our activities" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">A diverse range of business lines to meet the needs of our Luxembourg and international clients</h2> <p class="title-1-description">BIL also operates through several Luxembourg-based subsidiaries in the Family Office (Belair House), alternative fund management (BIL Manage Invest), financial structuring services (Experta) and leasing (BIL Lease) sectors.</p> </div> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Retail banking</h3> <div class="list-accordion-content"> <p>Through its network of 40 branches in Luxembourg, retail clients can access BIL’s renowned expertise in banking, financing solutions, savings and investments.</p> <p>In addition to the products and services available in-branch, BIL provides its clients with an efficient and secure online banking solution: BILnet.</p> <p>BIL has made its mark as an innovator in the field of new technologies: mobile banking, cardless cash withdrawals, fingerprint recognition, contactless payment, etc.</p> </div> </li> <li> <h3 class="list-accordion-title">Private Banking</h3> <div class="list-accordion-content"> <p>BIL helps its private banking clients to manage and structure their wealth and financial sector professionals to develop their activities.</p> <p>BIL focuses its Wealth Management activities on a certain number of target markets, particularly in Europe and the Middle East. This has led BIL to create centres of excellence in Luxembourg, Switzerland, Denmark, Sweden and Dubai.</p> <p>In February 2017, BIL was voted “Best Private Bank for Super Affluent Clients in Luxembourg” in the Euromoney Private Banking Survey.</p> </div> </li> <li> <h3 class="list-accordion-title">Corporate banking</h3> <div class="list-accordion-content"> <p>BIL is a strong partner of companies of all sizes, financial institutions and the public sector. It supports many projects and strategic initiatives launched in the Luxembourg and abroad.</p> <p>Always attentive to its clients, BIL serves their professional and private interests by offering them a comprehensive range of banking and financial products and services.</p> </div> </li> <li> <h3 class="list-accordion-title">Financial markets</h3> <div class="list-accordion-content"> <p>BIL’s activity on financial markets is carried out on two trading floors located in Luxembourg and Zurich.</p> <p>These activities comprise financial market transactions, cash management, financial engineering and long-term financial solutions through the EMTN issuance programme in particular.</p> <p>BIL also promotes and markets a comprehensive range of Treasury & Financial Markets products designed for professional clients (banks, insurance firms, large corporations and multinationals, state institutions, asset managers and investment funds).</p> </div> </li> <li> <h3 class="list-accordion-title">Insurance</h3> <div class="list-accordion-content"> <p>BIL is a licenced insurance broker and offers its clients and partners a broad range of solutions (life insurance, pension schemes, retirement savings, etc.).</p> </div> </li> </ul> </div> </div> <!-- section : Groupe BIL --> <div data-section="Key figures & ratings" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">The BIL Group</h2> <p class="title-1-description">The oldest multi-business bank in the Grand Duchy of Luxembourg. Since being established in 1856, BIL has been helping private and corporate clients with their financial projects.</p> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-3">Robust financial health (31.12.2017)</h3> <ul class="list-1"> <li><strong>€39.4</strong> billion of assets under management (<strong>+4.5%</strong> compared with December 2016)</li> <li>Total assets of <strong>€23.8</strong> billion</li> <li><strong>117</strong> million net income after tax</li> <li>Common equity tier 1 ratio of <strong>12.21%</strong></li> <li>Tier 1 ratio of <strong>14.47%</strong> </li> </ul> <p><a target=_blank" href="/Documents/divers/Investor-Presentation.pdf">Further information for investors</a></p> </div> <div class="sub-column-50"> <div class="table-1-outer"> <table class="table-1"> <tr> <th></td> <th>S&P<br>23.11.2017<br><a target=_blank" href="/Documents/divers/sp.pdf">Full rating report</a></th> <th>Fitch <br>07.12.2017<br><a target=_blank" href="/Documents/divers/fitch.pdf">Full rating report</a></th> <th>Moody’s<br>07.05.2018<br><a target=_blank" href="/Documents/divers/moody.pdf">Full rating report</a></th> </tr> <tr> <th>Long-term rating</th> <td>A-</td> <td>BBB+</td> <td>A2</td> </tr> <tr> <th>Short-term rating</th> <td>A-2</td> <td>F2</td> <td>P-1</td> </tr> <tr> <th>Outlook</th> <td>stable</td> <td>positive</td> <td>stable</td> </tr> </table> </div> </div> </div> </div> </div> <!-- section : Groupe BIL --> <div data-section="Awards" class="section-default" id="award"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Recognised expertise</h2> <p class="title-1-description">BIL is regularly honoured by leading international institutions for its expertise and excellence. But excellence isn’t just measured by awards; it is earned in day-to-day business through the trust of our clients and the commitment of each and every member of the BIL group staff.</p> <p>In early 2018, BIL was named Best Bank in Luxembourg for the second consecutive year by Global Finance group. This accolade is the latest addition to the bank’s list of prestigious awards.</p> </div> <div class="table-1-outer"> <table class="table-1"> <tr> <td><img src="/PublishingImages/site-groupebil/award-2018.png" alt="" style="width: 50px;"></td> <th>03/2018</th> <td>Global Finance</td> <td>« Best Bank in Luxembourg »</td> </tr> <tr> <td><img src="/PublishingImages/site-groupebil/Banker2017.png" alt=""></td> <th>11/2017</th> <td>The Banker</td> <td>« Bank of the Year 2017 Luxembourg » </td> </tr> <tr> <td><img src="/PublishingImages/site-groupebil/global_finance.jpg" alt=""></td> <th>03/2017</th> <td>Global Finance</td> <td>« Best Bank in Luxembourg »</td> </tr> <tr> <td><img src="/PublishingImages/site-groupebil/euromoney2016.jpg" alt=""></td> <th>02/2017</th> <td>Euromoney private banking survey</td> <td>« Best Private Bank for Super Affluent Clients in Luxembourg »</td> </tr> <tr> <td><img src="/PublishingImages/site-groupebil/Banker2016.png" alt=""></td> <th>12/2016</th> <td>The Banker</td> <td>« Bank of the Year 2016 Luxembourg » </td> </tr> <tr> <td><img src="/PublishingImages/site-groupebil/euromoney2015.jpg" alt=""></td> <th>07/2015</th> <td>Euromoney</td> <td>« Best Bank in Luxembourg »</td> </tr> </table> </div> </div> </div> </div>
Governancehttps://www.bil.com/en/bil-group/the-bank/Pages/Governance.aspxGovernance<div data-section="Governance" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Governance</h2> </div> <p>The Bank strictly adheres to legal requirements to have a clear organisational structure with transparent lines of responsibility and adequate internal control mechanisms - including sound administrative and accounting procedures - as well as remuneration policies that promote effective risk management.</p> <p>BIL's corporate governance framework is laid out in a <a href="/Documents/documentation-legale/corporate-governance-charter.pdf" target="_blank">Charter</a></p> <p>As a systemically important institution, BIL is supervised by the European Central Bank together with Luxembourg’s Commission de Surveillance du Secteur Financier. </p> <p><b>Management bodies</b></p> <p>The administration of the bank is entrusted to its Board of Directors, whose members are appointed by the shareholders’ general meeting. The Board of Directors is responsible for ensuring that the overall strategic and organisational objectives of BIL and its subsidiaries and branches are attained. </p> <p>The Board of Directors has delegated the daily management of the bank to the Management Board, which is chaired by the Chief Executive Officer. </p> </div> </div> <!-- section : conseil d'administration --> <div data-section="Board of Directors" class="section-default is-silver" id="administration"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Board of Directors</h2> </div> <ul class="grid-adaptive is-small"> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-lucfrieden.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Luc FRIEDEN</span> <span class="sub-jobposition"></span> <span class="sub-management">Chairman (independent Director)</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-pengli.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Peng Li</span> <span class="sub-jobposition">Vice-Chairman</span> <span class="sub-management">Legend Holdings representative</span> </span> </span> </li> </ul> <ul class="grid-adaptive is-small"> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-huguesdelcourt.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Hugues DELCOURT</span> <span class="sub-jobposition"></span> <span class="sub-management">Director and CEO</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-mauricelam.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Maurice LAM</span> <span class="sub-jobposition"></span> <span class="sub-management">Independent Director (UK chartered accountant)</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-jingli.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Jing Li</span> <span class="sub-jobposition">Director</span> <span class="sub-management">Legend Holdings representative</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="https://www.bil.com/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-christianschaack.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Christian SCHAACK</span> <span class="sub-management">Independent Director (PhD. MIT)</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-michelscharff.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Michel SCHARFF</span> <span class="sub-jobposition"></span> <span class="sub-management">Director representing the Employees</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-sergeschimoff.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Serge SCHIMOFF</span> <span class="sub-jobposition"></span> <span class="sub-management">Director representing the Employees</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-vincentthurmes.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Vincent THURMES</span> <span class="sub-jobposition"></span> <span class="sub-management">Director representing the State of Luxembourg (Ministère des Finances, Conseiller de Gouvernement)</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-vanaeken.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Chris VAN AEKEN</span> <span class="sub-jobposition"></span> <span class="sub-management">Independent Director (MBA – University of Chicago)</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-donnywagner.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Donny WAGNER</span> <span class="sub-jobposition"></span> <span class="sub-management">Director representing the Employees</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-fernandwelschbillig.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Fernand WELSCHBILLIG</span> <span class="sub-jobposition"></span> <span class="sub-management">Director representing the Employees</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/visual-conseiladministration-christophezeebichter.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Christophe ZEEB-ICHTER</span> <span class="sub-jobposition"></span> <span class="sub-management">Director representing the State of Luxembourg (Ministère des Finances, Conseiller de Gouvernement première classe)</span> </span> </span> </li> </ul> </div> </div> <!-- section : comité de direction --> <div data-section="Management Board" class="section-default" id="direction"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Management Board</h2> </div> <ul class="grid-adaptive is-small"> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/hugues-delcourt.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Hugues DELCOURT</span> <span class="sub-jobposition">CEO</span> <span class="sub-management">Chairman of the Management Board</span> </span> </span> </li> </ul> <ul class="grid-adaptive is-small"> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/stephane-albert.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Stéphane ALBERT</span> <span class="sub-jobposition">Chief Risk Officer</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/yves-baguet.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Yves BAGUET</span> <span class="sub-jobposition">Chief Operations Officer</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/visual-comitedirection-hanspeterborgh.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Hans-Peter BORGH</span> <span class="sub-jobposition">Wealth & Investment Management</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/visual-comitedirection-olivier-debehogne.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Olivier DEBEHOGNE</span> <span class="sub-jobposition">Retail & Digital Banking </span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/marcel-leyers.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Marcel LEYERS</span> <span class="sub-jobposition">Corporate & Institutional Banking</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/bernard-mommens.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Bernard MOMMENS</span> <span class="sub-jobposition">Secretary General and General Counsel</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/nico-picard.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Nico PICARD</span> <span class="sub-jobposition">Chief Financial Officer</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/claude-schon.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Claude SCHON</span> <span class="sub-jobposition">Treasury & Financial Markets</span> <span class="sub-management">Member of the Management Board</span> </span> </span> </li> </ul> </div> </div>
Subsidiaries in Luxembourghttps://www.bil.com/en/bil-group/the-bank/Pages/Subsidiaries-in-Luxembourg.aspxSubsidiaries in Luxembourg<!-- section : Belair House --> <div data-section="Belair House" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Belair House</h2> <p class="title-1-description">Belair House offers the best of both worlds: the family office and the investment office.</p> <p>Belair House proposes an integrated, comprehensive range of solutions aimed at assisting wealthy families on all subjects potentially of concern to them.</p> <p>Our experts work with them to identify and implement strategies tailored to their needs and objectives: protecting, growing and bequeathing their wealth, and simplifying its day-to-day management.</p> <p><a class="btn-default" href="http://www.belairhouse.lu/">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-filiales-belairhouse.jpg" alt=""></span> </div> </div> </div> </div> </div> <!-- section : BIL Manage Invest (BMI) --> <div data-section="BIL Manage Invest" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">BIL Manage Invest (BMI)</h2> <p class="title-1-description">BMI specialises in structuring conventional and alternative investment funds.</p> <p>BMI offers a wide range of services through its open architecture, in particular fund structuring, portfolio and risk management and the monitoring of certain proxies.</p> <p><a class="btn-default" href="http://bilmanageinvest.lu/">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-filiales-bilmanageinvest.jpg" alt=""></span> </div> </div> </div> </div> </div> <!-- section : BIL Manage Invest (BMI) --> <div data-section="Experta" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Experta</h2> <p class="title-1-description">Experta offers its clients an open architecture approach meeting their needs as closely as possible.</p> <p>Experta offers services to businesses: fund services, tax services, legal services, domiciliation and management, accounting and reporting, etc.</p> <p>Experta also offers financial and real estate wealth structuring solutions.</p> <p><a class="btn-default" href="http://www.experta.lu/">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-filiales-experta.jpg" alt=""></span> </div> </div> </div> </div> </div>
International presencehttps://www.bil.com/en/bil-group/the-bank/Pages/International-presence.aspxInternational presence<!-- section : BIL Suisse --> <div data-section="BIL Suisse" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">BIL Suisse</h2> <p>A reputed and recognised name in the rich tradition that is Swiss private banking, BIL Suisse endeavours to assist clients with their projects in the years and generations to come.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Suisse%}/en/private-banking/Pages/index.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-presenceinternationale-suisse.jpg" alt=""></span> </div> </div> </div> </div> </div> <!-- section : BIL Dubai --> <div data-section="BIL Dubai" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">BIL Dubai</h2> <p>As a renowned international private banking institution, BIL helps its wealthy clients in the Middle East to achieve their objectives.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Dubai%}/en/private-banking/Pages/index.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-presenceinternationale-dubai.jpg" alt=""></span> </div> </div> </div> </div> </div> <!-- section : BIL Danemark --> <div data-section="BIL Danmark" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">BIL Danmark</h2> <p>Working closely with Scandinavian entrepreneurs and high level executives in particular, BIL Danmark specialises in wealth management and asset management services.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Danemark%}/dk/private-banking/Sider/index.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-presenceinternationale-danemark.jpg" alt=""></span> </div> </div> </div> </div> </div> <!-- section : BIL Luxembourg Representative Office--> <div data-section="BIL Luxembourg Representative Office" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">BIL Luxembourg Representative Office</h2> <p>BIL has the largest Nordic team of all non-Nordic banks in Luxembourg, in total, 30 people cover the Swedish, Finnish, Danish and Norwegian markets.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/private-banking/Pages/bil-luxembourg-representative-office.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"><img src="/PublishingImages/site-groupebil/groupebil-abanque-presenceinternationale-representativeoffice.jpg" alt=""></span> </div> </div> </div> </div> </div>