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Investor relations

BIL is a leading independent bank in Luxembourg with a strong brand and offers retail, private, corporate and institutional banking as well as treasury and financial market services.

Investment in BIL represents a rare opportunity for international diversification in the financial sector of Luxembourg, a AAA rated country at the heart of Europe. BIL is one of the biggest banks in Luxembourg and is recognised as systemically important by the European Central Bank. Legend Holdings, a Chinese investment group listed on the Hong Kong Stock Exchange who founded the Lenovo Group, holds a 90% stake in BIL. The remaining 10% are owned by the Luxembourgish Government, thereby further strengthening the strategic position of the bank.

Investor presentation

The investor presentation contains dedicated information for potential buyers of BIL Notes, including an introduction to the bank with key figures pertaining to BIL’s financial performance, asset quality, solvency and liquidity as well as a detailed description of its shareholding structure.

Download the presentation

Ratings and key figures

	A- / Negative / A-2 Full rating report - 30/10/2024
Standalone Rating SACP	bbb+
ALAC Support	+1 notch
Last rating action	22 Nov 2019
Rating affirmed	30 Oct 2024

Credit Ratings

Senior Preferred	A- Negative Outlook
Senior Non-Preferred	BBB
Tier 2	BBB-

	A2 / Stable / P-1 Full rating report - 15/07/2022
Standalone Rating (BCA)	baa2
Government uplift	+1 notch
Loss Given Failure (LGF)	+2 notches
Last Rating Action (ratings affirmed)	03/04/2024
Periodic review (ratings affirmed)	19 July 2023

Credit Ratings

Senior Preferred	A2 Stable outlook
Senior Non-Preferred	(P)Baa2
Tier 2	Baa3

Debt issuance

BIL offers an entire range of investment opportunities for financial professionals and retail clients through its Euro Medium Term Note (EMTN) programme and a diversified set of issuance programmes.