Discover BCEE | Banque et Caisse d'Epargne de l'Etat, Luxembourg

SPUERKEESS Äert Liewen. Är Bank.

Throughout 160 years of history, the Banque et Caisse d'Epargne de l'Etat, Luxembourg has always had the ambition to meet and exceed the requirements of its customers:

  • A trusted partner: tradition and banking innovation since 1856.
  • A partner of proximity: the largest network of agencies and self-banking spaces in Luxembourg.
  • A partner who's listening: 1,800 employees to meet your needs and accompany you in your projects.
  • A strong partner: Standard & Poor's and Moody's international rating agencies have awarded BCEE some of the best ratings in the world.
  • An experienced partner: our advisors offer you their know-how and experience in the international financial markets.
The loyalty of existing customers and the continuous arrival of new customers encourage us to continue our approach while we keep striving to be even closer to the needs of each and every client.
Françoise Thoma, Chief Executive Officer

Since its foundation in 1856, the sole shareholder of BCEE is the State of Luxembourg The BCEE's role in supporting the national economy, only confirms its excellent financial strength.

Long Term Deposit Rating
Long Term Deposit Rating
Standard & Poor’s
Safest Bank Award - Luxembourg
Safest Bank Award - Luxembourg
Ranked among the 10 safest banks in the world 2018, Global Finance Magazine

The financial strenght of BCEE An important argument when looking for a trading partner for a long-term banking relationship.

Key figures 2017 in millions of Euros
Balance sheet 31.12.2016 31.12.2017 Change
Total assets 43.444,7 45.518,1 +4,8%
Customer deposits 28.190,5 31.565,3 +12,0%
Debt securities in issue 4.918,2 3.859,9 -21,5%
Loans and advances to customers 19.815,7 20.912,8 +5,5%
Operating income 573,7 606,9 +5,8%
Total general expenses 311,0 328,2 +5,5%
Net income 240,5 240,8 +0,1%
Annual Report 2017 (French version only)

Annual Report 2017 (French version only)

( 3,34 MB )

Thanks to its experienced staff, BCEE is regularly awarded for the excellent services offered

  • BCEE seeks to be the partner of private customers as well as of commercial, craft and industrial companies, thanks to its strong and experienced teams, its network of branches covering the whole country and its ability to innovate.
  • Regular exchanges, transparency, understanding and trust continue to be the key elements of a successful and lasting partnership between the client and his banker.
  • The Bank remains attentive to its customers in order to keep offering services and products of optimum quality.

The Board of Directors of the BCEE

M. Camille FOHL Chairman  
M. Georges DENNEWALD Member, Staff representative  
M. Steve MELAN Member, Staff representative  
M. Nima AHMADZADEH Member  
M. Paul ENSCH Member  
Mrs. Elisabeth MANNES-KIEFFER Member  
M. Manuel NICOLAS Member  
M. Jean-Claude REDING Member  
M. Jean-Pierre ZIGRAND Member  
M. Bob KIEFFER Supervisory Commissioner  

The Executive Committee of the BCEE

  • From left to right

    Romain Wehles, Executive Vice President

    Aly Kohll, Executive Vice President

    Françoise Thoma, Chief Executive Officer

    Guy Rosseljong, Deputy Chief Executive Officer

    Doris Engel, Executive Vice President 

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