Financial services

Payments and savings

We are the market leader in Liechtenstein for payment transactions and account management. Virtually all Liechtenstein residents have an account with us. Our products and services cover all daily banking business transactions. We are also the first bank in Liechtenstein to have abolished booking fees for private clients with new package offers. A large proportion of private clients has more than one business relationship with us.

Investments and asset management

Our private banking clients benefit from personal investment advisory services and professional asset management. Here we rely on the expertise of our LLB Asset Management and our extensive experience in the management of assets from private and institutional clients.

Our advisory models are offered under the name LLB Invest. Our clients decide themselves what scope of service they would like. We use the latest technologies to analyse, monitor and optimise portfolios and therefore ensure investment security and performance in line with strategy. In addition, our clients can access a broad range of investment funds. All LLB funds are free of retrocessions.

Responsible investment solutions

The financial services industry plays an important role in the transition to a climate-friendly economy. The LLB’s Asset Management has long emphasised responsible and long-term investments. Our memberships of UN finance initiatives underscore our commitment to sustainability (see chapter Climate change).

The LLB multi-factor model provides a sound basis for selecting the most attractive securities. The aim is to create above-average added value in the long term.

Loans and mortgages

Lending facilities are an important pillar of LLB’s business. With a market share of around 50 per cent, we are the number one in Liechtenstein in providing mortgages and building loans. Affordability and creditworthiness are key factors in the assessment of a loan application (see chapter Finance and risk management).

We offer flexible and transparent financing possibilities as well as special mortgages to enable environmentally friendly construction and renovation in Liechtenstein and Switzerland. Together with the government of Liechtenstein, we launched a new zero % energy mortgage in 2025. From 2026, therefore we are the only bank in the Principality that offers its clients an interest-free mortgage, which enables them to thoroughly renovate their home (see chapter Climate change).

Solutions for institutional clients

We develop tailor-made solutions for institutional clients and offer comprehensive services in our fund powerhouse and EAM powerhouse (see chapter Competence center). These solutions include the efficient processing of securities transactions, digital interfaces and individual complete fund solutions – from the setting up to the ongoing administration of investment funds – both for our own funds and those of third parties. We align our services firmly according to our clients’ requirements and attach great importance to personal care, the highest service quality and efficiency. In addition, we offer specialised services for fiduciaries, lawyers, family offices and public institutions. These clients benefit from our extensive, comprehensive experience in intermediary business, our regulatory expertise and our lean, professional processes.

Retirement and financial planning

We advise private clients and entrepreneurs in all areas of financing and investment and support them in all phases of life and company life cycle. Our 360‑degree advisory package focuses on asset structuring, real estate, financing, risk provisioning, taxation, retirement planning, corporate succession and estate planning. We support entrepreneurs in Liechtenstein and Switzerland from the setting up of their company to the regulation of succession.

Pension fund solutions

We are the only bank in Liechtenstein to offer SMEs individual pension fund solutions for basic and executive pension plans through the “LLB Pension Fund Foundation for Liechtenstein” (LVST), which was founded in 2005. A company can choose between two investment strategies and adjust the benefits plan to suit its individual requirements and goals. In the meantime, measured in terms of its balance sheet total, LVST is the largest collective foundation in the country.