Lombard Loan: the flexible financing solution without limits

As a transition enabler, Spuerkeess plans to contribute to the national target of electrifying 49% of Luxembourg’s car fleet by 2030. Thus, since 2018, the Bank has included electric vehicles in its Lease Plus offer, and these now account for 80% of the leases taken out by the Bank's customers. This very strong interest in electric cars is partly due to the desire to "consume better and more sustainably", but is also due to our attractive Lease Plus offers. Emir Mustafic, Business Developer - Private Lease at Spuerkeess, gives us the criteria to be taken into account when buying or leasing an electric vehicle.

Following the adoption of the European Climate Act, the European Union is committed to becoming carbon neutral by 2050. What does this mean for a bank? And how has Spuerkeess decided to help achieve this neutrality? We put these questions to Luigi Garofoli, Deputy Head of Business Unit Corporate Banking, to find out what the Bank has done to this end for its professional customers.

Four years after repositioning the Spuerkeess brand Luxembourg's leading bank is launching in early 2025 a new image campaign: “Thriving Together”. To mark the occasion, we spoke to the marketing managers in charge of the project, Lisa Wells, Vice President and Head of Business Unit, Claude Faber, Team Manager Brand and Product Communication and Raoul Loudvig, Team Manager Creatives.

In a world where sustainability is becoming a major priority, the construction sector plays a crucial role in the transition to more environmentally-friendly practices. To explore the challenges and opportunities of this transition in Luxembourg, Max Didier, Managing Director of CDCL Groupe S.A., shares his views. With more than 500 employees, this group is a major player in construction and property development in Luxembourg. What are the main obstacles that need to be overcome in order to meet sustainable construction objectives? How can innovations such as CREE’s timber-concrete hybrid system reduce carbon footprints across the sector? What economic and social benefits could Luxembourg derive from a more sustainable approach? Find out in this article how early collaborations can transform the industry and how Luxembourg can become a leader in sustainable construction.

Financial literacy is crucial to young people's future. But how financially literate are young people today, and how can they prepare for the economic challenges of tomorrow? To answer these questions, we interviewed Jessica Thyrion, advisor at the ABBL Foundation for Financial Education. In this article, she shares her expertise on the importance of financial education, the specific challenges facing young people, and the initiatives in place to help them navigate the complex world of finance. Find out how the ABBL Foundation is working to improve young people's financial literacy and prepare them to make informed and responsible decisions.

Are you curious to know how your financial choices can make a real contribution to the fight against climate change? Would you like to find out about the innovative initiatives that have been put in place in Luxembourg to promote sustainable finance? In this interview, Laetitia Hamon, Head of Sustainable Finance at the Luxembourg Stock Exchange, shares her ideas and experiences on these crucial topics. Read this interview to find out how you can make the difference and be an agent of change towards a more sustainable future.

A recent independent study, conducted by SIA Partners, named S-Net Mobile the best mobile banking application in Luxembourg. We took the opportunity to speak to Daniel Madariaga, Deputy Head of Business Innovation Office, and Christophe Medinger, Deputy Head of Digitalisation, at Spuerkeess, to find out more about how the teams in charge of S-Net achieved this success for the third year running.

In an increasingly competitive economic environment, improving corporate profitability remains a major challenge, not only for companies themselves but also for all stakeholders and, more broadly, for the Luxembourg economy. We interviewed Laura Schauss, Senior Manager at Resultance, to find out more about their approach for companies.

Passing on your business to a third party or within your family is a crucial stage in the life of your company, just as taking over a business marks the start of a new life for a business owner. At Spuerkeess, these two important steps are taken with the advice and support of dedicated experts. Whether you are the assigner or assignee, our experts Johny Basher and Franck Alter, both business transfer advisers at Spuerkeess, reveal the keys to a successful transfer in this article. Happy reading!

Are you self-employed in Luxembourg, live there and want to boost your retirement? Do you want to cover yourself and your loved ones against the risk of death or disability? In this article, our expert Bruno Mendes, Business Advisor Coordinator at Spuerkeess, explains why and how you can benefit from a highly advantageous tax framework. Happy reading!

Three “Fit 4” support programmes offered by Luxinnovation already enable companies to improve their performance in three areas: digitalisation, sustainability and operational excellence. In July 2024, Lex Delles, Minister for the Economy, SMEs, Energy and Tourism, and Sasha Baillie, CEO of Luxinnovation, announced that existing programmes were to be standardised and simplified, and a new one to be launched: Fit 4 Digital - AI. We asked Emmanuelle Kipper, Senior Advisor - SME Performance at Luxinnovation, to tell us more about these performance programmes for businesses.

In this interview, Mariana Ruiz, Senior Social Development specialist at the European Investment Bank, tells us how banks can promote social justice by integrating human rights considerations into their lending practices and investment decisions. Do not miss Mariana’s five useful tips to make informed choices that align with your human rights principles.