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Liechtensteinische Landesbank
Liechtensteinische Landesbank (LLBN) investor relations material
Liechtensteinische Landesbank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary20 Feb, 2026
Executive summary
Achieved net profit of CHF 166.5 million in 2025, maintaining previous year's level despite integration costs and high market volatility.
Delivered strong business results and resilience, with sustainable growth from organic expansion and acquisitions, notably integrating ZKB Österreich.
Operating income increased by 8.1% to CHF 611.6 million, driven by higher fee, commission, and trading income, despite a decline in net interest income.
Business volume surpassed CHF 125.9 billion, supported by positive market performance and ZKB Österreich integration.
Maintained a stable dividend with a proposal of CHF 2.80 per share and a distribution ratio above 50% of net profit.
Financial highlights
Group net profit reached CHF 166.5 million, down 0.4% year-over-year.
Net fee and commission income grew 21.1% to CHF 259.2 million, supported by higher client assets and ZKB Österreich acquisition.
Net trading income rose 9.9% to CHF 219.7 million, mainly from foreign exchange business.
Net new money inflows totaled CHF 3.7 billion (+3.8%), and net new loans CHF 540 million (+3.3%).
Cost-income ratio increased to 67.0% (+0.6 pp), and Tier 1 ratio improved to 19.0% (+0.3 pp).
Outlook and guidance
ACT-26 strategy targets over 3% annual net new money and net new loans, cost-income ratio of 65% by 2026, and Tier 1 ratio above 16%.
Net zero CO2 emissions goal set for 2040, with progress on track.
Expectation of continued solid business results in 2026 despite geopolitical tensions and market volatility.
Focus on finalizing ACT-26 implementation and succession strategy, with further communication planned for autumn 2026.
ZKB Österreich's underlying profit contribution
What drove the 2025 net new loans decline?
How did interest rates affect income streams?
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Latest events from Liechtensteinische Landesbank
- Net profit up 0.9% to CHF 91.0m, client assets exceed CHF 100bn, ZKB Österreich boosts growth.LLBN
H1 202520 Aug 2025 - Net profit up 1.7% to CHF 90.2 million, with record business volume and digital expansion.LLBNH1 202413 Jun 2025
- Record business volume and profit highlight LLB Group's robust growth and strategic progress.LLBNH2 20245 Jun 2025
Next Liechtensteinische Landesbank earnings date
H1 202619 Aug, 2026
Liechtensteinische Landesbank
Next Liechtensteinische Landesbank earnings date
H1 202619 Aug, 2026
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Frequently asked questions
Liechtensteinische Landesbank AG (LLB) is a Liechtenstein-based financial institution providing a comprehensive range of banking and financial services. The bank offers private banking, asset management, investment advisory, and corporate banking services, catering to private and institutional clients primarily in Liechtenstein, Switzerland, Austria, and other European markets. LLB focuses on wealth management solutions, tailored investment strategies, and financial planning, supported by its long-standing expertise and regional presence. The company is headquartered in Vaduz, Liechtenstein, and its shares are listed on the SIX.
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