Clients

Security and stability

Our solid equity capital base and the Aa2 rating from Moodyʼs, which we have held since 2016, underpin our position as one of the most reliable, trustworthy banks in the world. The Principality of Liechtenstein has an AAA rating. In a global environment that is increasingly characterised by mounting uncertainty, with the State of Liechtenstein as our majority shareholder, we can provide security and stability. Our clients appreciate this reliability.

Closeness to clients

Our success is based on a profound knowledge and understanding of the regional markets in which we operate. Our client advisers are firmly based in their market regions and they enjoy the trust of the local people and businesses. This enables us to continue to expand our business presence. At the same time, we are constantly extending our digital offering to enhance our clientsʼ experience and be ready for the future.

Direct clients

Our direct client business encompasses the savings and financing business in Liechtenstein and Switzerland. For many cross-border workers from the Austrian province of Vorarlberg we are also the bank of choice.

In Liechtenstein, LLB is the market leader in direct client business and we are the only bank with a broad network of bank branches and ATMs. LLB Schweiz with its registered office in Uznach was founded in 1848 and is firmly anchored in the Linth and upper Lake Zurich regions.

Service and advice

Our Direct Service team is available to all the approximately 100ʼ000 clients of the entire LLB Group. For these clients, this team is the first point of contact and, at the same time, an efficient interface between online and offline services. Our advisory specialists offer a comprehensive service for all banking transactions and represent the first level of support for questions in relation to our digital channels. In the report year, out team had around 600 contacts a day with our clients by phone, e-mail and bank message.

In addition to our Direct Service team, our Direct Advisory team provides individual, comprehensive advice in all questions relating to investments, retirement planning and financing by phone or video call.
It goes without saying that our clients can also still arrange a personal advisory discussion at any of our branches in Liechtenstein or Switzerland.

Corporate clients

With a market share of over 70 per cent, LLB is the market leader in corporate client business in Liechtenstein. In eastern Switzerland, LLB Schweiz in one of the largest service providers (see chapter Retail & Corporate Banking).

Our corporate clients can choose from a broad range of LLB services including company financing, payment transactions, risk management and succession planning. We support our clients in reaching their business objectives and safeguarding their financial stability. They benefit from our extensive experience and our deep knowledge of the local and international markets.

Private banking

Our private banking clients are wealthy individuals and families, who seek individual asset management services. This segment is of central importance to our business, as it primarily involves stable and long-term customer relationships (see chapter International Wealth Management). We offer our clients tailor-made solutions, in areas such as asset management, investment advice, estate planning and sustainable investments (see paragraph Financial services). These premium services enable our clients to optimally manage and increase their wealth. Clients in these markets appreciate our advisory expertise and our knowledge, but especially the stability and security that we ensure.

Institutional clients

Our institutional clients comprise fiduciaries, asset managers, fund promoters, family offices, insurance companies and pension funds. This segment too, is of great importance to LLB (see chapter International Wealth Management). We offer our institutional clients specialised, innovative services including asset management, fund administration and comprehensive advisory services (see paragraph Financial services). Utilising these services, our clients can efficiently manage and increase the capital entrusted to them while at the same time benefitting from our investment expertise and our broad service offering. Powerful, modern processing platforms and digital interfaces round off range of services (see paragraph EAM Powerhouse).

Group Business Compliance

In Liechtenstein, the fight against money laundering, organised crime and terrorist financing as well as the implementation of sanction measures are a high priority. For this purpose, the LLB Group set up the central Group Business Compliance Department. This department supports client advisers and intermediaries in efficiently implementing regulatory requirements and adhering to sanctions. The compliance requirements of a bank can also confront clients with various challenges. Within the scope of its interface function, Group Business Compliance can also interact with clients. Our advisory services enhance processes, create understanding among clients and reduce risks. This strengthens long-term client relationships, ensures the highest compliance standards and generates the best possible client guidance – a service, which our clients genuinely appreciate.

Current developments

Since 2024, the LLB Group has been represented in Germany by a bank branch with business locations in Munich, Frankfurt and Düsseldorf. From these locations we can provide on the spot care and service for our German clients for the first time, especially in relation to private and institutional banking.

In Switzerland in the report year two new business locations were added in Zurich and St. Gallen. The goal here is to promote private banking and expand the business with external asset managers.

Following the acquisition of all the shares and the subsequent takeover of the Zürcher Kantonalbank Österreich AG at the beginning of 2025, we can now further strengthen our position as the leading wealth management bank in Austria.

Growth potential

A core element of our current corporate strategy is growth – and our growth targets are ambitious. As in the report year, in future we want to continue expanding our position in the various client segments.

In doing so we shall place particular emphasis on the following business areas:

• Strengthening of private banking in the domestic markets of Liechtenstein, Switzerland and Austria;
• Growth of private banking in Germany;
• Intensification of business with corporate clients in Liechtenstein and Switzerland;
• Scaling up of syndicated lending business;
• Expansion of the digital offering for private clients.

Thanks to our long tradition as a successful bank, our broadly diversified business model and our forward-looking strategy, as the LLB Group we have the ideal prerequisites to generate further market shares in these segments. Moreover, we possess additional factors, which will help in successfully expanding our market position. These include our innovativeness, (see chapter Competence centres), an attractive cost development, the deployment of modern technologies (see chapter Digitalisation),experienced employees, high-performance products and our cautious approach to risks (see chapter Risk management).