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en 2024
chiffres clés
Key figures 2024
Client deposits
124,91 bn€
Cash
11,99
bn€
Liquid securities
73,97
bn€
Illiquid securities
38,93
bn€
Consolidated net income
from banking operations
385 m€
Net profit
79,4 m€
Equity capital
1,08 bn€
Loans and advances
to customers
3,40 bn€
Figures at 31/12/2024.
chiffres qui augmentent avec titre
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service
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If you had invested €10,000 in B’SAVE in 2016,
what would you have gained in 2025 for each orientation?
DEFENSIVE
In 2025* you would have
€9,481
Conservative
In 2025* you would have
€12,763
Balanced
In 2025* you would have
€16,740
Dynamic
In 2025* you would have
€16,845
Growth
In 2025* you would have
€16,424
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RESIDENTIAL PROPERTY
- Purchasing a:
- primary residence
- secondary residence
- exceptional property
→ YOUR BENEFITS
- Customised analysis of your situation
- Assessment of the tax, asset and personal wealth implications of your project
INVESTMENT
- Rental property project
- Generation of income and long-term capital gains
- Developing your property portfolio
→ YOUR BENEFITS
- Definition of a coherent long-term strategy
- Income analysis and customised advice
- Advice on rental property investment in Luxembourg and internationally
UNDERSTANDING INVESTMENT OPPORTUNITIES
- Investing in financial assets
- Wealth structuring
→ YOUR BENEFITS
- Access to capital without liquidating your assets
- Greater financial flexibility through the option of a Lombard loan
PASSION PROJECTS
- Purchasing a car, artwork, collector’s watch, etc.
→ YOUR BENEFITS
- Access to capital without liquidating your assets
SUSTAINABILITY PROJECTS
- Purchasing an eco-friendly vehicle
- Green renovation project
- Optimising the energy performance of your home
→ YOUR BENEFITS
- Range of financing solutions designed specifically for your sustainability projects
- Attractive rates
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Purchase:
- primary residence
- secondary residence
- one-of-a-kind property
- Personalised analysis of your situation
- Assessment of the tax, asset and personal wealth implications of your project
- Buy-to-let project
- Generation of income and a long-term capital gains
- Developing your property portfolio
- Definition of a coherent long-term strategy
- Income analysis and customised advice
- Advice on rental property investment in Luxembourg and internationally
- Investment in financial assets
- Wealth structuring
- Access to capital without liquidating your assets
- Greater financial flexibility through the option of a Lombard loan
- Purchase of a car, artwork, collector’s watch, etc.
- Access to capital without liquidating your assets
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Individuals, families, businesses
philanthropy advisory service
Non-profit organisations, NGOs, registered charities, etc.
profile
- Analyse motivation, interests and resources.
- Assist with determining strategies and areas of engagement.
- Donor meetings.
- Establish the extent of the commitment (one-off or recurring donation, or more structured support via a sheltered or charitable foundation).
- Determine and set up the appropriate vehicle (charitable foundation, sheltered foundation, etc.)
- Specify short-, medium- and long-term investment objectives in line with the commitment strategy.
- Define the allocation of assets and the corresponding portfolio.
- Manage and monitor the investments.
- Flow organisation.
- Determine the objectives and the related commitments.
- Liaise with potential beneficiary organisations.
- Draw up a commitment timetable and identify indicators of progress.
portfolio of projects
- Assess organisations and projects.
- Propose a selected portfolio of projects.
- Regular information.
- Possibility of meetings with beneficiaries.
- Methodological and technical support.
- Measure the impact of the commitment undertaken.
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BL-Expert
BL-Invest
BL-Select
Delegate the management of your portfolio to our specialists
Do you want to benefit from active portfolio management and free yourself from the constraints involved in managing assets? Our discretionary management portfolios aim to provide capital growth over the long term according to your performance expectations and desired level of security.
Retain control of your investments and benefit from investment advice and support
BL-Invest is an investment advisory service. Your adviser ensures that your portfolio and your investment strategy are aligned in accordance with your situation, your financial knowledge and stock market experience.
A solution for investment portfolios needing more complex advice
BL-Select provides direct access to our investment experts. Together with your adviser, they work to devise investment proposals based on your objective and risk profile with the aim of growing your assets. This solution is reserved for portfolios of over 5 million euros.
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Discretionary management and investment advice
Private Equity and alternative products
Funds creation
Structured products
Do you want to benefit from our investment specialists’ expertise?
Our discretionary management mandates and proactive advisory service gives you access to tailored support.
You receive guidance from your adviser and a dedicated investment expert, who:
- offer active, conviction-based portfolio management investing in funds and direct lines
- provide investment proposals to suit your objectives
- apply the Bank’s investment methodology to every investment proposal and decision
- hold investment meetings with you to
- discuss the macroeconomic environment and the markets,
- analyse the allocation, performance and risk of the assets and securities in your portfolio, and
- review transactions excecuted,
- provide you with a consolidated overview of your assets.
In addition, you benefit from tax reclaim and tax relief services.
Do you want to diversify your portfolio by investing in other asset classes?
Private Equity represents an opportunity to diversify your wealth. Having unlisted companies in your portfolio allows you to invest in businesses with high growth potential.
Together with our dedicated team, you
- define a target allocation and gradually build a diversified private equity portfolio
- access a wide range of alternative investment products – due diligence and monitoring of your commitments
- benefit from administrative support for your investments and cash flows (capital calls, distributions, etc.); and
- obtain a consolidated report of your private equity investments.
Interested in setting up an investment vehicle?
Whether your plan is to launch a fund investing in listed stocks or private equity, or you with to set up a dedicated fund for your family, our experts will support you with:
- the structure and creation of your fund UCITS, RAIF, SIF, SICAR, etc.
- custodian bank and administration services; and
- the management of a fund or a fund component, in line with your profile and specifications.
Interested in enhancing returns on your investments, while safeguarding all or part of your capital?
Gain access to dealing room skills via the establishment of structured products on an extensive range of underlyings (equities, foreign exchange, interest rates, etc.) through a dedicated issuance programme.
You can thus subscribe to our regular issues of structured products or opt for tailor-made products that match your profile and meet your specific objectives.