SPUERKEESS Your bridge to life

Throughout 165 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

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

Key figures 2022 in millions of Euros

Balance sheet 31.12.2021 31.12.2022 Variation
Total assets 53.764,0 56.905,6 +5,8%
Customer deposits 36.993,0 41.214,9 +11,4%
Debt securities in issue 2.958,5 2.810,7 -5,0%
Loans and advances to customers 25.246,7 26.705,4 +5,8%
Equity 5.027,4 5.250,8 +4,4%
Capital ratio 21,6% 22,0%
Profit and loss account 31.12.2021 31.12.2022  
Operating income 647,1 753,9 +16,5%
Total general expenses 388,3 424,7 +9,4%
Net income 236,8 234,7 -0,9%
Report and balance sheet 2022 (French version only)

Report and balance sheet 2022 (French version only)

( 16,53 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

From left to right : Mrs. Marie-Paule GILLEN-SNYERS, Mr. Bob KIEFFER, Mrs. Bettina BLINN, Mr. Jean-Pierre ZIGRAND, Mr. Camille FOHL, Mrs. Simone DELCOURT, Mr. Manuel NICOLAS, Mrs. Marilène MARQUES, Mr. Nima AHMADZADEH, Mrs. Carmen JAFFKE

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

The Executive Committee of Spuerkeess

Françoise Thoma

Chief Executive Officer

Aly Kohll

Deputy Chief Executive Officer

Doris Engel

Executive Vice President

Olivier Wantz

Executive Vice President

Romain Wehles

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.

As per 2024, the members of the various advisory boards are as follows:

“Retail Client” Advisory Board

Sister Danièle FALTZ
Mrs. Anne HARLES

“Professional Client” Advisory Board

Mr. Roland KUHN

“Institutional Client” Advisory Board

Mr. Frank MAUSEN