Throughout its more than 150 years of existence, the main concern of Banque et Caisse d'Epargne de l'Etat (BCEE) has always been to meet the demands of its customers and of the national economy. Today, it is both THE Luxembourg bank par excellence and also a full service bank, recognised throughout the world for its results and its dependability. Its sound financial standing, as well as that of its sole shareholder, the Luxembourg State, are the reasons why the international rating agencies Standard & Poor’s and Moody’s have awarded it ratings* of AA+ and Aa2 (Long Term Deposit Range) respectively, among the best of any financial institution based in Luxembourg. BCEE is not only held in high esteem by the rating agencies, but is also highly regarded by its customers, as it offers a wide range of products and services adapted to the needs of private individuals, professionals and young people. We know how to work in partnership with you in everyday life. Whether you need advice tailored to your individual needs, wish to be brought fully up-to-date on developments in the financial world or would simply like to meet an expert at one of our branches, BCEE is at your service. And not just during business hours, but 24 hours a day, as S-net (internet banking) S-net Mobile (iPhone App) and S-BANK (ATM) are available round the clock. * Situation as at 1.8.2015