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Autofestivalhttps://www.bil.com/en/Lists/BILInternetCampaign/DispForm.aspx?ID=42Autofestival<div class="section-banner-item-inner" data-serialswipe-fx="zoomin"> <h2 style="color:white">Big 2018 AutoFestival prize draw</h2> <h1 id="section-introduction-title">What if BIL would refund your car loan*?</h1> <p><a class="section-banner-button" href="https://bilautofestival.lu/index-en.html?utm_source=BILCOM&utm_campaign=AUTOFESTIVAL_2018&utm_medium=HEADER_EN&utm_content=INCENTIVE" target="_blank">Find out more</a></p> <p><small>* Maximum refund is EUR 25,000 (incl. taxes). Prize draw terms and conditions available at <a href="https://bilautofestival.lu/index-en.html?utm_source=BILCOM&utm_campaign=AUTOFESTIVAL_2018&utm_medium=HEADER_EN&utm_content=INCENTIVE" target="_blank">www.bilautofestival.lu</a></small></p> </div>
Mastercard 2017https://www.bil.com/en/Lists/BILInternetCampaign/DispForm.aspx?ID=71Mastercard 2017<div class="section-banner-item-inner" data-serialswipe-fx="zoomin"> <h4 class="section-banner-title">WINTER IS HERE !<br> Enjoy the holidays with complete peace of mind.</h4> <p><a class="section-banner-button" href="/static/2017/12-mastercard/index-en.html?utm_source=BIL-COM&utm_medium=HP_PARTICULIER_EN&utm_campaign=MASTERCARD-2017">Find out more</a></p> </div>
CEDIEShttps://www.bil.com/en/Lists/BILInternetCampaign/DispForm.aspx?ID=72CEDIES<div class="section-banner-item-inner" data-serialswipe-fx="zoomin"> <h4 class="section-banner-title">Start preparing for the future today!</h4> <p>Explore the benefits of a CEDIES loan</p> <p><a class="section-banner-button" href="/en/individuals/products-and-services/borrow/Pages/student-loan.aspx?utm_source=BIL-COM&utm_medium=HP_PARTICULIER_EN&utm_campaign=PRET-ETUDIANT">Simulate your loan</a></p> </div>
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BIL named Bank of the Year 2017https://www.bil.com/en/bil-group/pressroom/news/Pages/bil-named-bank-of-the-year-2017.aspxBIL named Bank of the Year 2017<p><i>“The Bank of the Year 2016 award recognised the initial success of our BIL2020 strategy. The fact that we have received this accolade from renowned magazine <i>The Banker</i> for the second year running once again demonstrates our ability to innovate and offer products and services tailored to our clients.”</i> commented Hugues Delcourt, CEO of Banque Internationale à Luxembourg.</p> <p>By treating innovation as a strategic priority, BIL upgrades and simplifies its service offering on an ongoing basis. For example, the bank was the first in Luxembourg to integrate the Touch ID feature into its mobile application and to offer 100% mobile and yet secure services thanks to app-to-app technology. The real estate website <a href="https://www.bil.com/myhome/index-en.html" target="_blank">my|HOME</a> is another example of the bank’s focus on improving the client experience. The user-friendly simulation tools offered on the website by BIL help private investors to manage their investment project and to make property decisions best suited to their personal needs.</p> <p>Brian Caplen, editor-in-chief of <i>The Banker</i> said: “This year, the panel of judges highlighted the excellent progress made by Banque Internationale à Luxembourg with regard to its innovative client offerings and digital solutions, as well as the bank’s impressive results.”</p> <p>Each year, <i>The Banker</i>, leading magazine for the world of finance published by the Financial Times, honours the best financial institutions at its Bank of the Year Awards ceremony. Composed of 120 financial sector professionals, the jury bases its decision on the institutions’ performance and primary achievements over the past 12 months.</p>11/30/2017 4:00:00 PM
BIL IMMOindex: real-estate market still buoyanthttps://www.bil.com/en/bil-group/pressroom/news/Pages/bil-immoindex-real-estate-market-still-buoyant.aspxBIL IMMOindex: real-estate market still buoyant<p>In the second quarter of 2017, the BIL IMMO<i>index</i> stood at +1.82, up from +1.80 in the fourth quarter of 2016 and from +1.58 year-on-year. Despite a slight decline in the first quarter of 2017, the index returned to the high levels of late 2016. </p> <p>The movements on the BIL IMMO<i>index</i> show that the domestic residential property market remains particularly dynamic. The factors behind this strong performance are essentially the same as those identified at the end of 2016: a sharp increase in the number of mortgages (+13.8%) and construction activity (+11.3%), as well as a more pronounced discrepancy between the price increases of old (+7.5%) and new real estate (+3.8%).</p> <p>"The BIL IMMO<i>index</i> remains at the high level observed in late 2016, making it necessary to remain vigilant of a slight overheating of the market. Luxembourg's robust economic health is a reassuring factor, with a GDP growth forecast of 3% for 2017. The ECB is cautious about a possible rate hike, so a rebalancing of the market could come from an increase to the housing supply rather than a drop in demand," explains BIL Chief of Corporate and Institutional Banking, Marcel Leyers.</p> <div class="grid-adaptive small clear-div"> <div class="sub-column-40"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-groupebil/news/immoindex2017-graph.jpg"> </div> <div class="sub-column-60"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-groupebil/news/immoindex2017-graph2-en.jpg"> </div> </div> <p>Launched in October 2015 and developed by BIL in partnership with PwC Luxembourg, the BIL IMMO<i>index</i> keeps professional, institutional and private investors abreast of residential property market trends in Luxembourg.</p> <p>Updated regularly and published every six months, the index is based on property price trends on the sales market and the rental market, as well as on the underlying factors of supply and demand, like shifting demographics or construction activity in the economy of the country. In total, seven ratios are summarised to produce the BIL IMMO<i>index</i>, an easily readable indicator giving a concise overview of Luxembourg's residential property market over the last 35 years.</p> <p>The complete analysis, region by region, is available on <a href="{%BIL_Internet_Root_URL_Luxembourg%}/immoindex/index-en.html">www.bil.com/immoindex</a>.</p> <p><small><sup>1</sup> The index runs on a scale of -3 to +3 and reads the temperature of the market. At +3, the maximum level, the market is thought to be “overheating”. At the other end of the scale, a negative index means that the market is lacklustre, and a level of -3 indicates a stagnant, “frozen” market.</small></p>11/20/2017 7:00:00 AM
Legend Holdings to acquire Precision Capital's stake in Banque Internationale à Luxembourghttps://www.bil.com/en/bil-group/pressroom/news/Pages/legend-holdings-to-acquire-precision-capital-stake-in-bil.aspxLegend Holdings to acquire Precision Capital's stake in Banque Internationale à Luxembourg <p>Legend Holdings Corp., a Hong Kong-listed diversified investment group, announced today the signing of an agreement with Precision Capital, a Luxembourg-based financial holding company, for the acquisition of Precision Capital’s 89.936% stake in Banque Internationale à Luxembourg (BIL), a leading universal banking group headquartered in Luxembourg.</p> <p>The proposed transaction remains subject to ECB/CSSF approval and that of other regulatory authorities. It also remains subject to Legend Holdings shareholder approval. The Grand Duchy of Luxembourg will retain its 9.993% ownership of BIL. </p> <p>Legend Holdings, founded in 1984, is a leading diversified investment group. Its strategic investments focus on several major sectors including financial services, innovative consumer services, agriculture and food, and IT. As at 31 December 2016, the company had assets of €43.92 billion, annual revenues in excess of €40 billion and close to 70,000 employees worldwide. Lenovo Group, one of its portfolio companies, was founded by Legend Holdings in 1984 and is now one of the world’s leading vendors of personal computers. Lenovo successfully acquired IBM’s global PC business in 2004, subsequently investing and growing the brand into a global leader. </p> <p>The acquisition of 89.936% of BIL represents a long-term strategic investment for Legend Holdings. The company is committed to providing the financial and operational support to maintain and grow the BIL brand domestically and internationally, further enhance its customer offering and support existing management in the delivery of its strategy to achieve sustainable growth. </p> <p>As part of the proposed transaction, Legend Holdings will: </p> <ul class="list-check"> <li>Maintain and invest further in the development of the BIL brand, in Luxembourg, Europe and internationally </li> <li>Invest in BIL’s people, support employment and provide international career opportunities</li> <li>Retain the current governance and management of the bank: Luc Frieden will remain BIL Chairman, while Hugues Delcourt will remain CEO </li> </ul> <p>Precision Capital, along with the Grand Duchy of Luxembourg, acquired BIL in 2012 at a time when the previous shareholder faced significant financial stress. Precision Capital and BIL have since overseen a turnaround of the bank following an in-depth strategic review, having made significant investments in the bank and its brand. </p> <p>Since 2012, the management team has grown operating revenue by 20% to €505 million in 2016, while operating profit has risen 57% to €124 million. Over the same period, total assets have increased to €23 billion, total loans to customers are up by 27% to €12.2 billion and assets under management have grown by 30% to €37.7 billion. The bank’s capital strength has been bolstered over this time, reaching a Common Equity Tier-1 ratio of 13.4% at end 2016 – up from 10% in 2012. </p> <p><b>Commenting on the announcement, Liu Chuanzhi, Founder and Chairman of Legend Holdings, said: </b> <em>“This is an important and exciting strategic investment for Legend. Financial services is one of Legend Holdings’ key target industries. BIL’s asset scale, revenue and profit growth potential, and its business stability meet Legend’s pillar assets criteria. It affirms Legend’s target of investing in pillar assets. </em> </p> <p> <em> “Legend Holdings has accumulated extensive experience in the financial services industry, and has achieved a solid performance in the sector over the past years. BIL is a well-run and respected universal banking group with strong roots in Luxembourg’s history. We aim to preserve and enhance this status, supporting the bank and its existing management team in growing BIL from a national champion to a Luxembourg-based, international banking brand. We believe that as a long-term strategic shareholder, Legend can add value to the international business development opportunities and application of financial technology of the bank, and realize our mission of building great companies. </em> </p> <p> <em> “We would like to thank Precision Capital, the Luxembourg State and the BIL management team for their support. We look forward to working closely with Luxembourg State and the bank in the years ahead.” </em> </p> <p><b>Luc Frieden, Chairman of BIL, said: </b><em>"Thanks to strategic measures taken since 2012 – with the support of Precision Capital, the Luxembourg State, our employees and our clients – BIL has successfully regained its status as a leading Luxembourg financial institution. </em></p> <p><em>“We welcome our new shareholder, who has a proven track record of successful investment in a range of companies and have demonstrated great sensitivity to what makes BIL unique. We look forward to working with the Legend Holdings team to build on BIL’s tradition of excellence that dates back to 1856 as a strong, stable and innovative Luxembourg universal bank. While clients and staff will experience full continuity, we will also have an opportunity to further strengthen BIL's exceptional place in the Luxembourg economy, while enhancing its European and international ambitions. </em></p> <p><em> I am proud to chair this great Luxembourg bank as we prepare to write the next chapter in BIL’s success story,” </em> Frieden added. </p> <p><b>George Nasra, CEO of Precision Capital, said: </b><em>“BIL has made tremendous progress in the past five years. The business is in great shape and boasts an exceptionally strong brand, supported by an experienced management team and over 2,000 committed employees in Luxembourg and abroad. Legend Holdings is the right partner for BIL as it moves into its next phase of its sustained growth and expansion.” </em> </p> <p>Nasra noted that Precision Capital’s only other investment – its 99.9% ownership of KBL European Private Bankers (KBL epb), a pan-European private banking group headquartered in Luxembourg – will not be impacted by the agreement with Legend Holdings. <em> “We remain committed to supporting the long-term stability and growth of KBL epb,” </em> Nasra concluded. </p> <p>The proposed transaction is expected to close in the first quarter of 2018, subject to approval from the European Central Bank, the Commission de Surveillance du Secteur Financier and other relevant regulatory authorities. The acquisition entity is Beyond Leap Limited, a wholly owned subsidiary of Legend Holdings incorporated in Hong Kong. </p> 9/1/2017 1:00:00 PM

 

 

Tariff overviewhttps://www.bil.com/Documents/brochures/tarif-jan-2018-en.pdfTariff overview11/30/2017 11:00:00 PM
BIL Patrimonialhttps://www.bil.com/Documents/brochures/bil-patrimonial-en.PDFBIL Patrimonial11/6/2017 11:00:00 PM
eBrochure B-activehttps://www.bil.com/Documents/brochures/ebrochure-bactive-en.PDFeBrochure B-active9/11/2017 10:00:00 PM

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