Credit: BIL
On Thursday 30 April 2026, Banque Internationale à Luxembourg (BIL) announced its financial results for 2025, reporting an increase in profitability and progress in the first year of its 2025-2030 strategic plan.
BIL reported a net income of €210 million, up 24% compared with €170 million in 2024. Total revenues remained stable at €708 million, while operating expenses decreased to €485 million (-2% YoY).
BIL reported a “solid performance”, with assets under management rising to €50.1 billion, up 7% year on year. A positive market effect of €3.2 billion and €0.2 billion in net new assets drove this growth.
The balance sheet remained stable, with customer deposits at €18.7 billion and customer loans at €16.2 billion. BIL also maintained strong capital and liquidity positions, with a CET1 ratio of 14.46% after profit allocation and a liquidity coverage ratio of 177%.
2025 marked the first year of BIL’s 2025-2030 strategic plan, which aims to strengthen its position as a “universal bank rooted in Luxembourg”, deliver sustainable value and support its clients’ long-term ambitions. BIL reported it has launched a series of transformative initiatives to sharpen its commercial focus, simplify its organisational structure and drive sustainable growth.
BIL noted it had opened a new branch in Paris as part of its expansion in France. It also closed its Hong Kong wealth management office and began the wind-down of Belair House as part of adjustments to its international presence.
During 2025, BIL accelerated its digital transformation and expanded self-service capabilities through digital onboarding. In parallel, BIL introduced “Berry”, Luxembourg’s first artificial intelligence (AI)-powered virtual banking assistant, as well as started a partnership with cash flow management software, Agicap.
BIL said that its partnership with LIST supported “robust evaluation frameworks” for its AI-powered assistant “Berry”, while participation in EPI’s digital wallet “Wero” demonstrates banks “commitment to trusted, future‑ready payment solutions”. The consolidation of fund execution and distribution activities with Clearstream aims to further strengthen operational reliability, transparency and governance.
Jeffrey Dentzer, CEO of BIL commented: “These results demonstrate the strength of our strategic choices and the commitment of our teams. We are building a more agile and client-centric BIL, equipped to deliver sustainable performance in a complex environment. By putting our clients at the heart of everything we do and continually enhancing our service offering, we create lasting relationships and drive long-term growth as we move forward.”
