Business structure

As a leading universal and commercial bank widely represented in the region of Liechtenstein and eastern Switzerland the LLB Group offers comprehensive banking services. These services comprise the private and corporate client business, the private and corporate pension provisioning business as well as private banking, asset management, fund services and trust services.

Our three-pillar strategy pursues growth in Liechtenstein and Switzerland as well as the development of new markets. In 2011, the Board of Directors of the LLB Group endorsed this strategy. Several business areas are central to securing competitiveness, particularly in view of the structural changes the banking sector as well as the financial centres Liechtenstein and Switzerland are undergoing. The LLB Group is thereby focusing on implementing ongoing strategic initiatives and is reducing the speed at which new growth projects are launched. The domestic markets provide a strong basis for internationalization.

In the Liechtenstein home market, LLB is represented across the whole country: at our own five business locations and, as of 2012, with an extended ATM network at 20 locations. In Switzerland, the Group, in cooperation with Bank Linth, has over 25 business locations in the cantons of St. Gallen, Glarus, Schwyz and Zurich. Under the umbrella of LLB Switzerland we have further branches in Zurich, Lugano and Geneva and a presence in three language regions. Through LLB Österreich in Vienna we have access to Austria, Eastern Europe as well as Russia and through representative offices in Abu Dhabi and Dubai to the Near and Middle East.

In 2011, we earned the majority of our total income, i.e. 51.6 percent, in net fee and commission income; 46.9 percent was attributable to net interest income. The LLB Group is organised in three operative business divisions: Domestic Market, International Market and Institutional Market. Via our Corporate Center we coordinate the implementation of the strategy within the Group and support business divisions and Group companies in their activities.

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