Against the backdrop of increasing competition pressure and the interchangeability of standardised banking products, a distinctive approach to satisfying client needs is continuing to gain in importance. Universal banks such as the LLB Group nurture close ties to the people of the region. The Liechtensteinische Landesbank and Bank Linth also maintain close contacts with the business community. They can assess the potential of companies and they know the history and distinctions of the region. The trust of business leaders and local people is the core capital that we must carefully nurture – in the knowledge that our clients are better informed and more sophisticated than ever before.

One of the means of satisfying these client requirements is the distribution of services via the Internet as well as via mobile platforms and terminals. Accordingly, the bank branch takes on a new role. The decisive factor is combining the classical function of a bank branch with online and mobile banking. Infrastructure employed in an innovative manner generates substantial added profit.

On account of the economic and regulatory environment, pressure on costs remains high. We are therefore placing the focus on the profitability of client segments by enhancing the interrelationship between the subsegments. We control our costs and create improved transparency with respect to cost structure. By consistently boosting cross-selling we shall expand our earning power. At the same time, we shall strengthen our position through healthy volume growth. Thanks to a low level of volatility, the Retail & Corporate Banking of the LLB Group represents an important foundation for the success and further growth of our company.

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