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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="BIL Group" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">BIL, a key player in the Luxembourgish financial market</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <iframe width="100%" height="315" src="https://www.youtube.com/embed/4jmlRZyOJco?rel=0" frameborder="0" allowfullscreen style="margin-top: 50px;"></iframe> </div> <div class="sub-column-50"> <p>Headquartered in Luxembourg, BIL has dedicated wealth management offices in Switzerland, Denmark and the Middle East as well as trading floors in Luxembourg and Zurich.</p> <p>In addition, BIL Group subsidiaries in Luxembourg offer specialised services: <a href="http://www.belairhouse.lu/" target="_blank">Belair House</a> (family office and investment management), <a href="http://bilmanageinvest.lu/" target="_blank">BIL Manage Invest</a> (alternative fund management), <a href="https://www.bil.com/static/2018/04-bil-lease/index-en.html" target="_blank">BIL Lease</a> (leasing solutions) and <a href="http://www.experta.lu/" target="_blank">Experta Corporate and Fund Services</a>.</p> <p>This international network enables BIL to offer bespoke and innovative financial services which help private wealth and businesses to flourish and support financial professionals in developing their activities. </p> <p>BIL was founded in 1856, making it the oldest multi-business bank in the Grand Duchy. It has always played an active role in financing Luxembourg’s economy. The Group has over 2,000 employees.</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 broad range of services to meet the needs of our Luxembourgish and international clients</h2> </div> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Retail banking</h3> <div class="list-accordion-content"> <p>Through its network of over 40 branches in Luxembourg, retail clients can benefit from BIL’s renowned expertise to meet all their banking, financing, saving and investment needs.</p> <p>In addition to the products and services available in the branches, BIL offers efficient and secure online and mobile banking solutions.</p> <p>BIL has made its mark as an innovator when it comes to the early introduction of new technologies such as mobile banking, cardless cash withdrawals, fingerprint recognition, contactless payments, etc.</p> <p><a href="https://www.bil.com/en/individuals/Pages/index.aspx" target="_blank">Further information on BIL’s services for individuals</a></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 professional investors to develop their activities.</p> <p>BIL offers wealth management services in Europe and the Middle East via dedicated centres of excellence in Luxembourg, Switzerland, Denmark 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> <p><a href="https://www.bil.com/en/private-banking/Pages/Hub.aspx" target="_blank">Further information on BIL’s private banking services</a></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.</p> <p>Business owners, staff and management benefit from a comprehensive range of banking and financial solutions for their professional and private needs.</p> <p><a href="https://www.bil.com/en/corporations/Pages/index.aspx" target="_blank">Further information on BIL’s corporate banking services</a></p> </div> </li> <li> <h3 class="list-accordion-title">Financial markets</h3> <div class="list-accordion-content"> <p>BIL also offers a comprehensive range of professional treasury and financial market products and services such as financial engineering and structuring. These services meet the needs of a diverse client base including <a href="https://www.bil.com/en/corporations/banks/Pages/index.aspx" target="_blank">banks</a>, insurance firms, <a href="https://www.bil.com/en/corporations/large-corporates/Pages/index.aspx" target="_blank">large corporations and multinationals</a>, <a href="https://www.bil.com/en/corporations/public-sector/Pages/index.aspx" target="_blank">state institutions</a>, asset managers and investment funds.</p> <p>In-house trading floors in Luxembourg and Zurich handle financial market transactions for all business areas of the bank. </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 insurances, pension schemes, retirement savings, etc.).</p> </div> </li> </ul> </div> </div> <!-- section : Groupe BIL --> <div data-section="Awards" class="section-default is-silver" id="award"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Recognised expertise</h2> <p class="title-1-description">The high quality of BIL’s services and the bank’s strong client focus are regularly acknowledged by external parties. </p> </div> <div class="table-1-outer"> <table class="table-1"> <tr> <td><img src="https://www.bil.com/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="https://www.bil.com/PublishingImages/site-groupebil/Banker2017.png" alt="Logo The Banker 2017"></td> <th>11/2017</th> <td>The Banker</td> <td>« Bank of the Year 2017 Luxembourg » </td> </tr> <tr> <td><img src="https://www.bil.com/PublishingImages/site-groupebil/global_finance.jpg" alt="Logo Global Finance 2017"></td> <th>03/2017</th> <td>Global Finance</td> <td>« Best Bank in Luxembourg »</td> </tr> <tr> <td><img src="https://www.bil.com/PublishingImages/site-groupebil/euromoney2016.jpg" alt="Logo Euromoney private banking survey 2017"></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="https://www.bil.com/PublishingImages/site-groupebil/Banker2016.png" alt="Logo The Banker 2016"></td> <th>12/2016</th> <td>The Banker</td> <td>« Bank of the Year 2016 Luxembourg » </td> </tr> <tr> <td><img src="https://www.bil.com/PublishingImages/site-groupebil/euromoney2015.jpg" alt="Logo Euromoney 2015"></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 Executive Committee, 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 and 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"></span> <span class="sub-management">Vice-Chairman and Director, 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</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"></span> <span class="sub-management">Director, Legend Holdings Representative</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/conseiladministration/pierrot-rasque.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Pierrot Rasqué</span> <span class="sub-jobposition"></span> <span class="sub-management">Director, State of Luxembourg 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</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, Staff Representative</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, Staff Representative</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, State of Luxembourg Representative</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</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, Staff Representative</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, Staff Representative</span> </span> </span> </li> </ul> </div> </div> <!-- section : comité de direction --> <div data-section="Executive Committee" class="section-default" id="direction"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Executive Committee</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 Executive Committee</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 Executive Committee</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 Executive Committee</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 Executive Committee</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/marie-bourlond.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Marie BOURLOND</span> <span class="sub-jobposition">Compliance</span> <span class="sub-management">Permanent Invitee of the Executive Committee</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 Executive Committee</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/martin-freiermuth.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Martin FREIERMUTH</span> <span class="sub-jobposition">Products & Markets</span> <span class="sub-management">Member of the Executive Committee</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/pia-haas.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Pia HAAS</span> <span class="sub-jobposition">General Inspection</span> <span class="sub-management">Permanent Invitee of the Executive Committee</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/emilie-hoel.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Émilie HOËL</span> <span class="sub-jobposition">Strategy & Corporate Development</span> <span class="sub-management">Member of the Executive Committee</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 Executive Committee</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 Executive Committee</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 Executive Committee</span> </span> </span> </li> <li class="sub-column-33"> <span class="box-employee"> <img class="sub-visual" src="/PublishingImages/site-groupebil/comitedirection/karin-scholtes.jpg" alt=""> <span class="sub-content"> <span class="sub-name">Karin SCHOLTES</span> <span class="sub-jobposition">People, Culture & Communication</span> <span class="sub-management">Member of the Executive Committee</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>