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Banque et Caisse d'Épargne de l'État

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Luxembourgian state-owned commercial bank

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Banque et Caisse d'Épargne de l'État

Banque et Caisse d'Épargne de l'État headquarters on Place de Metz,Luxembourg City
Company type	State-owned enterprise
Industry	Banking
Founded	21 February 1856
Headquarters	Luxembourg City, Luxembourg
Area served	universal bank ofLuxembourg
Key people	Françoise Thoma (CEO, President of the Executive Committee) and Camille Fohl (Chairman of the Board)
Operating income	€603.6 m (2019)^[1]
Net income	€183.9 m (2019)^[1]
Total assets	€48 063.2 m (2019)^[1]
Number of employees	1,840 work units (2019)^[1]
Website	spuerkeess.lu

TheBanque et Caisse d'Épargne de l'État (French pronunciation:[bɑ̃kekɛsdepaʁɲdəleta],State Bank and Savings Bank), also known by itsLuxembourgish nameSpuerkeess (lit. 'Savings Bank'), is the leading national financial institution founded in 1856 and governed by the law of 24 March 1989. Spuerkeess is a commercial bank wholly owned by the government ofLuxembourg.

Nowadays, it provides all the functions of acommercial bank, includingretail banking andprivate banking. In terms of total assets Spuerkeess is the third-largest bank in Luxembourg and the largest bank with domestic capital.^[2]

BCEE has been designated as a Significant Institution since the entry into force ofEuropean Banking Supervision in late 2014, and as a consequence is directly supervised by theEuropean Central Bank.^[3]^[4]

History

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Spuerkees was founded byGrand Duke William III as "Caisse d'Épargne de l'État du Grand-Duché de Luxembourg" due to a Law on 21 February 1856. The board of directors had three members and had their first meeting on 18 August 1859 under the presidency of ProfessorNicolas Martha. Headquarters of the Spuerkeess at that time were seated inHaus Ketter inDräikinneksgaass in the city, while their desk offices were at theKrautmaart, at the headquarters of the government commission, which is today'sPalais.

Since its foundation in 1856, Banque et Caisse d’Épargne de l’État, Luxembourg (Spuerkeess) has been solely owned by the Luxembourg State. The statutory missions of the Bank consist in promoting savings, facilitating access to housing and supporting the development of the national economy.

Since 1862 it was allowed that foreigners could deposit their money at the Spuerkeess. The trust of the public was high from the first day on, one of the reasons the deposit already reached an amount of one millionfrancs in 1869.

Awards

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The international rating agencies have awarded Spuerkeess AA+ (Standard & Poor's) and Aa2 (Long term Deposit Rating, Moody's) ratings.

The magazine Global Finance ranks Spuerkeess among the safest banks in the world and has recognised it for many years with the "Safest Bank Award - Luxembourg".

In 2020, the magazines The Banker and Global Finance named Spuerkeess "Bank of the Year 2020 - Luxembourg" and "Best Bank 2020 - Luxembourg" respectively.

"Partner Luxembourg E-Commerce" 2005 by the Chambre de Commerce en collaboration avec le CRP Henri Tudor et le soutien du Ministère de l'Economie et du commerce extérieur;
"Prix Santé et Entreprises – Luxembourg" 2006 / 2009 by the Club Européen pour la Santé;
"Grand Prix Paperjam RH" 2010 for its project Programme d'accueil et d'intégration Pool GDP;
"Entreprise Socialement Responsable – ESR" 2012/2015 by Institut National pour le Développement Durable et la Responsabilité des Entreprises;
"Green Facility Management Award 2013" and "Green Finance Award 2014".

References

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^^a ^b ^c ^dFinancial Reports,spuerkeess.lu
^Banks in Luxembourg
^"The list of significant supervised entities and the list of less significant institutions"(PDF).European Central Bank. 4 September 2014.
^"List of supervised entities"(PDF).European Central Bank. 1 January 2023.

External links

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Media related toBanque et caisse d'épargne de l'État at Wikimedia Commons

Official website

v t e Banks of Luxembourg
Central	European Central Bank (Central Bank of Luxembourg)
The Big Four Commercial	Banque et Caisse d'Épargne de l'État BGL BNP Paribas BIL ING Luxembourg
OtherRetail &Commercial	Advanzia Bank Banque Fortuna Raiffeisen SNCI
Private	Banque de Luxembourg Banque Havilland CBP Quilvest Quintet Private Bank
Foreign	Novo Banco Société Générale
Other financial institutions	European Investment Bank

v t e Members of theEuro Banking Association
Austria	Bank für Tirol und Vorarlberg BKS Bank Erste Group Bank Oberbank Oesterreichische Nationalbank Raiffeisen Bank International Raiffeisenlandesbank Oberösterreich UniCredit Bank Austria
Belgium	Belfius BNP Paribas Fortis bpost bank KBC Bank
Cyprus	Bank of Cyprus Hellenic Bank
Denmark	Danske Bank Spar Nord Bank Sparekassen Sjælland Sydbank
Finland	Aktia Bank Bank of Åland DnB Bank Nordea Bank Pohjola Bank S-Bank
France	BNP Paribas BPCE BRED Banque Populaire Crédit Agricole Crédit Mutuel Arkéa My Money Bank La Banque postale Société Générale
Germany	Bank of America Europe (USA) Bank of China (CHN) Berenberg Bank Commerzbank Deutsche Bank Deutsche Bundesbank DZ Bank Landesbank Baden-Württemberg Landesbank Hessen-Thüringen Swiss Euro Clearing Bank Standard Chartered UBS Europe Unicredit
Greece	Alpha Bank Eurobank Ergasias National Bank of Greece
Hungary	OTP Bank
Ireland	Allied Irish Banks Bank of Ireland Elavon
Italy	Banca del Fucino Banca Monte dei Paschi di Siena Banca Popolare del Lazio Banca Popolare di Sondrio Banca Sella Banco BPM BFF Bank BPER Banca Cassa di Risparmio di Fermo Credito Emiliano ICCREA Banca Intesa Sanpaolo Raiffeisen Landesbank Südtirol UniCredit
Luxembourg	Spuerkeess Banque Internationale à Luxembourg Gazprombank Luxembourg (RUS)
Netherlands	ABN AMRO De Nederlandsche Bank ING Bank Rabobank
Portugal	Banco BAI Europa (AGO) Banco BCP Banco Montepio Crédito Agrícola
Slovenia	Bank of Slovenia
Spain	Abanca BBVA Banco Cooperativo Español Banco Sabadell Banco Santander Bankinter CaixaBank Cecabank Ibercaja Banco Kutxabank Unicaja Banco
Sweden	Handelsbanken SEB Swedbank
United Kingdom	Barclays Citibank Europe (USA) HSBC Bank JPMorgan Chase Bank, London Branch (USA) Lloyds Bank MUFG Bank (JPN) NatWest Wells Fargo (USA)