SPUERKEESS Your bridge to life

Throughout 160 years of history, Spuerkeess 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 Spuerkeess 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 Spuerkeess is the State of Luxembourg Aware of its mission to support the national economy, Spuerkeess strives to maintain an excellent financial solidity.

Long Term Deposit Rating
Long Term Deposit Rating
Standard & Poor’s
Safest Bank Award - Luxembourg
Safest Bank Award - Luxembourg
Ranked among the safest banks in the world 2019, Global Finance Magazine

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

Key figures 2020 in millions of Euros
Balance sheet 31.12.2019 31.12.2020 Variation
Total assets 48.063,2 50.435,8 +4,9%
Customer deposits 33.484,9 34.694,8 +3,6%
Debt securities in issue 3.981,2 3.131,4 -21,3%
Loans and advances to customers 22.857,1 24.098,9 +5,4%
Equity 4.085,0 4.353,4 +9,1%
Capital ratio 21,1% 21,4%

Profit and loss account 31.12.2019 31.12.2020  
Operating income 603,6 595,5 -1,3%
Total general expenses 356,8 366,0 +2,6%
Net income 183,9 135,4 -26,4%
Report and balance sheet 2020 (French version only)

Report and balance sheet 2020 (French version only)

( 8,00 MB )

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

  • Spuerkeess 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 Spuerkeess

Mr. Camille FOHL Chairman  
Mrs. Elisabeth MANNES-KIEFFER Vice-Chairwoman  
Mr. Nima AHMADZADEH Member  
Mrs. Simone DELCOURT Member  
Mrs. Marie-Paule GILLEN-SNYERS Member  
Mrs. Carmen JAFFKE Member, Staff representative  
Mrs. Marilène MARQUES Member, Staff representative  
Mr. Manuel NICOLAS Member  
Mr. Jean-Pierre ZIGRAND Member  
Mr. Bob KIEFFER Supervisory Commissioner  

The Executive Committee of Spuerkeess

  • 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 


The advisory boards of Spuerkeess

To assist Spuerkeess’s Board of Directors and Executive Committee in continuously identifying the needs of different types of customers and guiding the Bank’s business strategy, in September 2019 the Board of Directors established three advisory boards composed of prominent business leaders in Luxembourg.

“Retail Client” Advisory Board

Mme Tonika HIRDMAN

“Professional Client” Advisory Board

Mme Fabienne BOZET
M. Fernand ERNSTER

“Institutional Client” Advisory Board