What LLB Holding AG does

LLB Holding AG, operating as Liechtensteinische Landesbank AG (LLB), is a publicly listed (SIX Swiss Exchange: LLB) universal bank headquartered in Vaduz, Liechtenstein, founded in 1861 with over 160 years of continuous operation. The bank serves three primary client segments — private clients, corporate clients, and institutional clients — through a hybrid branch and digital distribution model, with three domestic branches (Vaduz, Balzers, Eschen), a German branch, and Private Banking offices in Central & Eastern Europe and the Middle East. Its product architecture is modular and tiered: daily banking is delivered through the LLB Daily package family (LLB Pro at CHF 24.90/month, LLB Flex at CHF 9.90/month, LLB Light at CHF 4.90/month) plus youth, family, and association variants; the investment stack centers on the LLB Invest advisory models (Comfort, Expert, Consult, Basic) and 40+ proprietary funds spanning defensive, bond, equity, strategy, and special categories; corporate offerings include business and investment loans, guarantees, EBICS, and the LLB Connect digital platform; and institutional services comprise LLB Xpert Solutions, private label fund creation, custodian bank services, and the EAM Powerhouse platform.

The underlying technology platform is a digital banking stack including LLB e-Banking, Mobile Banking, Online Counter self-service, LLB Quotes real-time fund trading, and the LLB Compass 360-degree financial and pension planning tool, integrated with Apple Pay, Google Pay, Samsung Pay, LiPay, eBill, EBICS, SEPA, and QR Bill/ISO 20022. Revenue is generated through a diversified mix of recurring and transactional streams: monthly banking package subscriptions, asset management mandate fees (minimum CHF 250,000) under all-in fixed-fee or performance-based fee structures, investment advisory fees, fund management and distribution income, securities trading commissions, interest income from mortgages, Lombard, and corporate loans, and professional services revenue from fund administration and custody. In 2026 LLB issued a CHF 200 million bond, received a Moody's Aa1 deposit rating, won the LSEG Lipper Fund Award for best European small-cap asset manager and Capital's five-star fund award, and launched new products including LLB term deposit+, an Anti-cyclical Accelerator, and an Online Fund Savings Plan, signaling continued product and capital-markets momentum.

Name

LLB Holding AG

Legal name

Liechtensteinische Landesbank AG

Website

https://llb.li

Company type

Public

Founded year

1861

Operating status

Operating

Short description

LLB Holding AG is a publicly listed Liechtenstein universal bank offering retail, corporate, and private banking plus asset management and fund services to private, corporate, and institutional clients across Liechtenstein, Switzerland, Austria, Germany, CEE, and the Middle East.

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

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

Headquarters

HQ city

Vaduz

HQ country

Liechtenstein

HQ region

Europe

Offices4 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 Package Fees: Monthly subscription fees for banking packages (LLB Pro, Flex, Light) providing accounts, cards, and payment services
2. Asset Management Mandates: Professional asset management with minimum CHF 250,000 mandate, offering all-in fixed-fee or performance-based fee models with high-water mark
3. Investment Fund Management: Management and distribution of more than 40 proprietary LLB funds across equity, bond, strategy, and special fund categories
4. Investment Advisory Fees: Advisory services across LLB Basic, Consult, and Expert models with varying levels of portfolio monitoring and recommendations
5. Financing Products: Mortgages, Lombard loans, business loans, and investment loans generating interest income
6. Securities Trading: Brokerage fees for equity, bond, and derivative transactions with discounted rates for online purchases
7. Fund Services: Private label fund administration, custodian bank services, and fund formation for institutional clients

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

LLB Holding AG, operating through its Liechtensteinische Landesbank AG subsidiary, is a universal bank providing retail banking (accounts, cards, payments, mortgages), corporate banking (business accounts, financing, EBICS), private banking, and institutional services including asset management mandates, proprietary fund administration (40+ LLB funds), and custodian services. The bank serves private, corporate, and institutional clients across Liechtenstein, Switzerland, Austria, Germany, Central & Eastern Europe, and the Middle East, delivering financial services through branches, digital platforms, and personal advisory.

Product overview

LLB Holding AG (Liechtensteinische Landesbank) operates as a traditional banking institution offering a comprehensive, modular product portfolio organized across three primary client segments: Private Clients, Corporate Clients, and Institutional Clients. The core banking offering centers on LLB Daily with tiered packages (Pro, Flex, Light) providing everyday banking services, while the investment platform LLB Invest offers advisory models (Comfort, Expert, Consult, Basic) ranging from fully delegated asset management to advisory-only services. The fund business features over 40 proprietary LLB Funds across defensive, bond, equity, strategy, and special categories, complemented by systematic investing tools including the Investment Plan and Fund Savings Plan. Direct investment capabilities span money market, equities, bonds, medium-term notes, time deposits, foreign exchange, and precious metals. Specialized offerings include sustainable investment (ESG/ESG+) and LLB Impact Funds for sustainability-focused investors. For institutional clients, LLB provides LLB Xpert Solutions, private label fund creation, custodian services, and the LLB Fund Services powerhouse. Digital banking is delivered through LLB e-Banking with mobile capabilities and Online Counter for self-service. The bank's approximately 160-year history supports its positioning as a trusted banking partner in Liechtenstein.

Differentiator

Problem solved

Functional benefit

Brands

• LLB Invest: Investment advisory and asset management solutions with advisory models (Basic, Consult, Expert, Comfort)
• LLB Pro
• LLB Flex
• LLB Light
• LLB Compass
• LLB Xpert Solutions
• willbe
• youli
• you save
• EAM Powerhouse
• LLB Comfort
• LiPay

Products and services

• LLB Daily Banking Packages
• LLB Invest Advisory Platform
• LLB Funds
• LLB e-Banking
• LLB Compass
• LLB Xpert Solutions
• LLB Fund Services
• LLB Quotes
• Mortgages
• Corporate Financing (Business and Investment Loans)
• Cards (Visa Debit, Virtual Debit, Credit Cards Classic/Gold/Platinum, Travel Card)
• Safe Deposit Box
• Sustainable Investment Solutions (ESG and LLB Impact Funds)
• LLB Investment Plan
• LLB Fund Savings Plan
• Fund Redemption Plan
• Money Market and Term Deposits
• Pension Scheme Solutions
• Succession Planning
• Savings Accounts (Youth, Gift, Blocked Pension, Rental Deposit)

Quantifiable outcome

• Number 1 in Europe - Best asset manager in 'Overall Small Company' category (LSEG Lipper Fund Awards 2026)
• +4 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Apple PaycoreTechnology or IntegrationMobile payment integration allowing LLB clients to make secure contactless payments using Apple devices with LLB Visa debit cards
• Google PaycoreTechnology or IntegrationMobile payment integration enabling LLB clients to make digital payments using Android devices with LLB Visa debit cards
• Samsung PaycoreTechnology or IntegrationMobile payment solution for Samsung device users to securely pay with LLB Visa debit cards
• LiPaycoreTechnology or IntegrationLiechtenstein-based mobile payment solution for cashless and contactless payments for LLB clients
• eBillcoreTechnology or IntegrationElectronic invoice processing system allowing LLB clients to receive and pay bills directly through online and mobile banking
• EBICScoreTechnology or IntegrationElectronic Banking Internet Communication Standard integration for corporate clients to manage bulk payment transactions
• QR Bill / ISO 20022coreTechnology or IntegrationSwiss payment standard integration for efficient invoice processing using QR codes in LLB banking platforms
• FC VaduzminorOthersSports sponsorship partnership supporting Liechtenstein football club FC Vaduz, including children's events and community engagement

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• EFG International: Swiss-listed private bank serving HNW and UHNW clients globally with strong wealth management, investment fund, and asset management offerings. Closely comparable to LLB in target client (HNW) and emphasis on cross-border wealth advisory.
• LGT Group: Liechtenstein-headquartered universal private bank owned by the Princely Family, offering private banking, asset management, and fund services with strong international offices. Highly comparable to LLB on geography, product mix, and HNW client focus.
• VP Bank: Liechtenstein-listed universal bank focused on private banking, intermediation, and fund services across Liechtenstein, Switzerland, and international booking centers. Direct comparable on domestic footprint, listed status, and product breadth versus LLB.
• Julius Baer: Swiss-listed pure-play wealth manager with global private banking offices and strong asset management capabilities. Comparable to LLB on the private banking and asset management side, although materially larger in scale.
• Bank Cler: Swiss retail and digital bank (subsidiary of Basler Kantonalbank) offering tiered daily banking packages, mortgages, and basic investment products. Comparable to LLB's LLB Daily, LLB Flex, and LLB Light retail banking tiered offering and digital strategy.
• Vontobel: Swiss-listed wealth and asset manager with private banking, institutional asset management, and investment fund franchises. Comparable to LLB's fund business (40+ funds), wealth advisory, and listed DACH banking presence.
• Pictet Group: Swiss private bank and asset manager with proprietary funds, discretionary mandates, and family office services. Comparable to LLB on the asset management fund franchise and HNW private banking service model.

Broad incumbents

• UBS: Largest Swiss universal bank offering global wealth management, asset management, and Swiss retail/corporate banking. Operates broadly in the same product categories as LLB but at vastly larger scale across the same DACH and international corridors.
• Raiffeisen Schweiz: Swiss cooperative banking group offering retail, corporate, and private banking services across Switzerland. Overlaps with LLB in retail banking and mortgage lending, but does not specialize in Liechtenstein-domiciled wealth management.

Regional players

• Hypothekarbank Lenzburg: Independent Swiss regional bank focused on mortgages, retail banking, and private banking with digital banking capabilities. Comparable to LLB's retail/mortgage-heavy domestic franchise, though operating exclusively in Switzerland rather than Liechtenstein.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/llbgruppe
• LinkedInlinkedin.com/shareArticle?mini=true&url=https%3a%2f%2Fllb.li%2F

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about LLB Holding AG