Liechtensteinische Landesbank

What Liechtensteinische Landesbank does

Liechtensteinische Landesbank (LLB) is a publicly listed universal bank headquartered in Vaduz, Liechtenstein, founded in 1861 and traded on the SIX Swiss Exchange under ticker SWX:LLBN with a market capitalization of CHF 2.51 billion (December 2025). The bank serves three primary customer segments: private clients (retail, families, youth, seniors), corporate and SME clients (domestic and Swiss businesses, real estate firms, succession and pension planning), and institutional clients (asset managers, family offices, trustees, lawyers, and fund managers). Its geographic footprint covers the DACH region (Liechtenstein, Switzerland, Austria, Germany) with international private banking offices in Central & Eastern Europe and the Middle East.

LLB's core technology stack is a digital banking platform spanning LLB e-Banking (online and mobile), LLB Connect (corporate digital banking), LLB Quotes (real-time investment data), digital onboarding for institutional clients, and mobile payment integrations (Apple Pay, Google Pay, Samsung Pay, LiPay, eBill, QR bill, SEPA, instant payments). The product ecosystem includes LLB Daily banking packages (Pro/Flex/Light tiers priced at CHF 24.90/9.90/4.90 per month), LLB Invest advisory models (Basic, Consult, Expert, Comfort with a CHF 250,000 asset management minimum), LLB Compass financial planning, over 40 proprietary funds, mortgages and Lombard loans, and an institutional infrastructure business (LLB Xpert Solutions, LLB Fund Services covering private label funds and custodian bank function).

LLB's revenue model combines subscription-based banking package fees, asset management and advisory fees, lending/interest income, transaction and brokerage fees, and managed services revenue from fund administration and custody. Distribution is hybrid: three physical branches in Liechtenstein, dedicated institutional client coverage, international private banking offices, and self-service digital channels. The bank raised CHF 200 million via a bond in March 2026, received a Moody's Aa1 deposit rating in April 2026, and was named Europe's best small-company asset manager (Lipper Award 2026) and a five-star Capital Award 2026 winner.

Name

Liechtensteinische Landesbank

Legal name

Liechtensteinische Landesbank AG

Website

https://llb.li

Company type

Public

Founded year

1861

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Liechtensteinische Landesbank (LLB) is a publicly listed universal bank (SIX:LLBN) founded in 1861, serving private, corporate/SME, and institutional clients across the DACH region and selected international private banking markets with retail banking, asset management, and fund services.

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Commercial Banking (522110), Portfolio Management and Investment Advice (523940), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

National Development Banks & State Development Finance Institutions (DFIs) (BPADACAC)

akta.pro secondary industries

Discretionary Portfolio Management (DPM) (FSAAABAC), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Retail banking services
• Wealth management
• Asset management
• Private banking
• Fund services

Headquarters

HQ city

Vaduz

HQ country

Liechtenstein

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Banking Services Revenue: Traditional banking services including current accounts, savings accounts, payment services, and cards through monthly package fees (LLB Pro at CHF 24.90, LLB Flex at CHF 9.90, LLB Light at CHF 4.90 per month)
2. Investment Management Fees: Asset management services including LLB Comfort (from CHF 250,000 minimum), LLB Invest advisory models, and fund management with associated fees
3. Fund Services: Private label fund administration, custodian bank services, and fund formation for institutional clients
4. Lending Revenue: Interest income from mortgages, Lombard loans, business loans, and investment loans
5. Trading and Transaction Fees: Brokerage fees for securities trading, foreign exchange transactions, and derivative products with 50% discount for online transactions

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Liechtensteinische Landesbank (LLB) is a universal bank providing retail and corporate banking, private banking, asset management, and institutional fund services. It sells banking packages (LLB Pro/Flex/Light), investment advisory and discretionary asset management (LLB Invest with Comfort/Expert/Consult/Basic models), over 40 proprietary funds, mortgages and Lombard loans, payment cards, and fund services including private label funds and custodian banking for institutional intermediaries.

Product overview

Liechtensteinische Landesbank (LLB) operates as a comprehensive banking platform offering a unified suite of financial services across private, corporate, and institutional client segments. The core product ecosystem includes LLB Daily (banking packages with Pro/Flex/Light tiers), LLB Invest (advisory and asset management with Comfort/Expert/Consult/Basic models), and LLB Compass (financial planning). Additional offerings span investment products (LLB Funds with 40+ funds, Investment Plans, savings plans), direct investments (money market, equities, bonds, medium-term notes, term deposits), financing solutions (mortgages, Lombard loans), and institutional services (LLB Xpert Solutions, Fund Services including private label and custodian functions). Digital services are delivered through LLB e-Banking with mobile payment integrations (Apple Pay, Google Pay, Samsung Pay, LiPay) and support for eBill, QR bill, SEPA, and instant payments.

Differentiator

Problem solved

Functional benefit

Brands

• LLB Daily: Banking package solutions for everyday banking including Pro, Flex, and Light variants
• LLB Invest
• LLB Compass
• LLB Comfort
• LLB Xpert Solutions
• Funds Powerhouse
• LLB Fund Services
• LiPay
• youli
• you save

Products and services

• LLB Daily banking package Modular daily banking package solution for private clients combining current accounts, savings, payment services, and cards, with sub-tiers LLB Pro, LLB Flex, and LLB Light tailored to different usage needs.
• LLB Invest Investment advisory and asset management platform offering multiple advisory models (Comfort, Expert, Consult, Basic) that combine advisory competence, investment expertise, and digital technology for private clients.
• LLB Compass 360-degree financial and pension planning tool that analyses financial and retirement planning needs for private clients.
• LLB Funds Over 40 proprietary investment funds including defensive funds, bond funds, equity funds, strategy funds, and special funds such as gold funds, distributed across Liechtenstein and internationally.
• Fund Services Comprehensive fund services for institutional clients including private label fund administration, custodian bank function, and Liechtenstein Fund Centre operations serving asset managers, family offices, trustees, and lawyers.
• LLB Xpert Solutions Products and solutions for institutional intermediaries including asset managers, trustees, lawyers, and family offices, providing investment solutions and fund services.
• Mortgages and Lombard loans Residential mortgages for private clients, Lombard loans secured by securities portfolios, and related sustainable-building financing for energy-efficient refurbishment.
• Visa Debit Card and Credit Cards Physical and virtual Visa debit cards for cashless payments worldwide and credit cards in Classic, Gold, and Platinum tiers offered to private clients as part of LLB Daily packages.
• Medium-term Notes and Term Deposits Fixed-interest medium-term notes with maturities of 2-10 years (minimum CHF 5,000) and term deposits in multiple currencies with maturities up to 12 months for direct investment by private clients.
• Money Market Investments Short-term money market products including term deposits, call deposits, and fiduciary deposits with maturities up to 12 months in various currencies for private clients.
• Safe Deposit Box Secure storage service for valuables, important documents, and personal items offered at the head office in Vaduz and branches in Balzers and Eschen.
• Sustainable Investment solutions ESG-focused investment solutions that distinguish between ESG and ESG+ strategies, including LLB Impact funds, for private clients seeking sustainability-aligned investing.
• LLB Investment Plan and Fund Savings Plan Systematic investing solutions including the LLB Investment Plan (staggered contributions over 3-12 months to minimise timing risk) and the LLB Fund Savings Plan (regular fund savings starting from CHF 50/month) for wealth building.
• LLB e-Banking Online and mobile banking platform providing 24/7 account management, transfers, payments, and account monitoring for private clients, with mobile payment integrations (Apple Pay, Google Pay, Samsung Pay, LiPay).

Quantifiable outcome

• Capital Award 2026: Five stars and ranked among leading investment fund companies
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

One partnership is on record.

• ZKB AustriacoreStrategic or Co-development Partner · 15 July 2025LLB acquired 100% share capital of ZKB Austria, expanding its presence and capabilities in the Austrian market. This acquisition strengthens LLB's position in Central Europe.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LBBW (Landesbank Baden-Württemberg): German Landesbank combining retail, corporate, real estate and capital markets activities with a state-bank heritage. Closely comparable to LLB's Landesbank model, DACH footprint, public-sector mandate and corporate/private banking mix.
• BayernLB: Bavarian Landesbank with a state-bank charter providing corporate banking, real estate financing and capital markets services. Directly comparable to LLB in role, ownership profile and product mix.
• Norddeutsche Landesbank (NORD/LB): Another German Landesbank with corporate, real estate and capital markets activities. Highly comparable business model and Landesbank DNA to LLB.
• Helaba (Landesbank Hessen-Thüringen): State-owned Landesbank focused on corporate, real estate and asset management services. Comparable to LLB in structure and DACH commercial banking franchise.
• VP Bank: Liechtenstein-headquartered private bank serving HNW and UHNW clients across Europe and Asia. Direct regional peer of LLB in private banking, wealth structuring and fund services from the same Liechtenstein jurisdiction.
• Liechtensteinische Landes- und Hypothekenbank AG (private LI competitors): Domestic Liechtenstein banking competitor offering similar retail, mortgage and corporate banking services within the same small domestic market.

Broad incumbents

• Raiffeisen Bank International: Large Austrian-headquartered universal bank with retail, corporate and private banking across CEE. Comparable to LLB in Austrian/Central European footprint and corporate banking services.
• UBS (Swiss wealth and asset management): Global Swiss wealth management and universal bank. Comparable in Swiss private banking and asset management overlap, though at vastly larger scale than LLB.
• Vontobel: Swiss-listed wealth and asset manager with strong fund business. Comparable to LLB's asset management and fund services platform, with similar Swiss/German roots.

Emerging players

• Bank Frick & Co. (Liechtenstein fund services): Liechtenstein-based boutique bank specializing in fund services and digital banking for institutional clients. Comparable niche overlap to LLB's fund services and Liechtenstein-domiciled institutional banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/llb_ag
• Facebookfacebook.com/llb.li
• LinkedInlinkedin.com/company/liechtensteinische-landesbank-ag

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liechtensteinische Landesbank