Markets and services

The Retail & Corporate Banking of LLB and Bank Linth forms the backbone of private and corporate client business in Liechtenstein and eastern Switzerland. Power of innovation and ground-breaking ideas ensure a closeness to clients, premium advisory quality and efficient digital channels.

The Retail & Corporate Banking of Liechtensteinische Landesbank and its subsidiary Bank Linth encompasses the deposits and financing business in the domestic markets of Liechtenstein and Switzerland. In addition, it has very diverse relationships with cross-border clients from the Austrian province of Vorarlberg. In this market region we offer the complete spectrum of banking and financial services for private and corporate clients. Under the designation “Compass”, we offer a 360-degree spectrum of advisory services, which provides solutions for every phase of life and stage of the business cycle – from birth to estate planning, and from the setting up of a company to succession planning.

Payments, savings and deposits

In Liechtenstein LLB is the clear market leader in payment services and account management. From the date of birth, almost every resident has an account at the Landesbank. Our “LLB Combi / Bank Linth Combi” package enables private clients to design their individual banking relationship themselves. An interactive online configurator helps our clients to put together a service package that fits their requirements, and also reveals the cost of every module for full transparency. The specific investment advice and asset management for clients having available assets up to CHF 0.5 million are also components of the retail and the corporate banking. At LLB and Bank Linth, corporate clients receive various attractive basic products in our “SME box”, which also offer transparent services and conditions.

Lending and mortgage business

Lending business is an important area of operations for the LLB Group. We pursue a prudent credit policy, which focuses on the lender’s creditworthiness and ability to repay the loan (see chapter “Finance and risk management”). In its home market Liechtenstein, LLB is the market leader in mortgage lending business with a market share of 50 per cent. As the largest regional bank in eastern Switzerland, Bank Linth is also one of the largest credit providers in this business area.

Bank branch and ATM network

LLB is the only bank in Liechtenstein to offer

  • 3 bank branches and
  • 23 ATM locations

In the Swiss cantons of St. Gallen, Zurich, Schwyz and Thurgau Bank Linth operates a total of

  • 20 bank branches / advisory points and
  • 28 ATM locations

Partner bank for SMEs

In recent years, LLB and Bank Linth have increasingly positioned themselves as partner banks for small and medium sized enterprises (SMEs) in Liechtenstein and eastern Switzerland. With a market share of more than 60 per cent, LLB is the market leader in Liechtenstein. Bank Linth is one of the largest service providers in eastern Switzerland. In addition to attractive basic product packages, corporate clients are offered a broad and comprehensive range of services from the setting up of a business to the transfer of the company to the next generation.

Individual pension provisioning solutions

We are the only bank in Liechtenstein offering clients individual pension fund solutions through the LLB Pension Fund Foundation for Liechtenstein (see chapter “Responsibilities for society and the environment”). Measured in terms of the number of persons insured and the assets managed, the Pension Fund Foundation is the largest collective foundation in Liechtenstein and the only one in the country whose members can choose between two investment strategies. At the end of 2019, it administered 5’490 actively insured persons in 514 affiliated companies.

And it is continuing to grow: Zurich Life Insurance Company is withdrawing from the Liechtenstein pension fund market by the end of 2022 and has recommended its clients in the Malbun Collective Pension Fund to move to the LLB Pension Fund Foundation. In return, the LLB Pension Fund Foundation has declared its willingness to take over both the active pension fund contracts and the pension obligations of this fund. As per 1 January 2020, various clients have already taken advantage of this offer.

This page contains, inter alia, the following GRI disclousures: 102-43. A list of all disclosures shown in the report can be found in the GRI Content Index.