Banque Internationale à Luxembourg (Bil) generated total revenue of €708m in 2025, down 0.4% from a year earlier, while net profit after tax rose to €210m, up 24% year on year.
The improvement in profit was supported by capital gains from the sale of its subsidiary Bil Manage Invest, as well as effective cost control and relatively low risk cost.
Profit rises despite softer revenue
The results point to a year in which Bil was able to lift earnings even as top-line growth stalled. Revenue slipped slightly, suggesting pressure on underlying banking income, but the bank still delivered a marked rise in net profit through tighter management of costs and the one-off benefit from the subsidiary sale.
The year also brought changes to the group’s business perimeter. In 2025, Bil closed Belair House and Bil Manage Invest to concentrate resources on its higher value-added wealth management business.
AUM tops €50bn
Assets under management rose to €50.1bn at the end of 2025, up from €46.8bn at the end of 2024.
The rise in AUM also came as Bil sharpened its focus on wealth management. The closure of Belair House and Bil Manage Invest underlined that shift, as the group streamlined activities to focus more heavily on businesses with higher added value.
By contrast, customer deposits edged down slightly to €18.7bn from €18.8bn over the same period. The decline was primarily linked to lower interest rates, which encouraged clients to move funds into more remunerative products.
That shift is consistent with a broader trend across the banking sector, where falling rates have reduced the appeal of traditional deposits and pushed savers to seek higher-yielding alternatives.
Lending remains flat
Customer loans were unchanged at €16.2bn at the end of 2025, broadly in line with the previous year.
The lack of loan growth suggests that credit demand remained subdued or that the bank maintained a cautious lending stance during the year. In either case, the figures indicate that balance-sheet expansion was limited, with growth coming more from assets under management than from core lending activity.
Cross-border network
Bil also expanded its European footprint during the year. In June 2025, the Paris branch commenced operations, strengthening its European network and supporting the growth of its cross-border business.
That move points to a broader strategy of focusing resources on wealth management and international client activity, even as domestic lending remained broadly flat.
Capital and liquidity stay strong
Bil maintained robust asset quality and strong liquidity metrics. Its Common Equity Tier 1 ratio stood at 13.64% at the end of 2025, before profit allocation, while its liquidity coverage ratio was 177%.
Those levels indicate that the bank remained well capitalised and comfortably funded at the end of the year, providing a buffer against market volatility and credit stress.
A Bil representative told Paperjam that the annual results will be “formally released by the end of April” and that the bank could not comment further on the full-year performance ahead of that date.
