Émilie Serrurier-Hoël (Mirabaud): Small enough to care, big enough to matter
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Emilie Serrurier joined Mirabaud & Cie (Europe) SA in June 2025 as Chief Executive Officer. Her priority is to expand the business in Europe and ensure the long-term profitability of the Luxembourg hub following recent technological transformations.
Can you present Mirabaud in a few words?
Mirabaud is one of the oldest private banks in Switzerland. With more than 200 years of history and seven generations of the founding family serving as Managing Partners, Mirabaud strengthened its European presence by opening its Luxembourg bank in 2014. Today, Mirabaud & Cie (Europe) SA counts over 120 employees across four countries and six locations – Luxembourg, Paris, Madrid, Barcelona, Valencia and London. We see our size as a true sweet spot: small enough to care, big enough to matter.
“Our mission is to ensure our clients’ assets are secure today and positioned for growth tomorrow.”
How are your clients’ needs changing, and how are you adapting to them?
Clients increasingly expect a truly personalised relationship with their private bank. At Mirabaud, our Relationship managers remain highly accessible, supported by a dedicated team of specialists who work alongside the banker to serve each client. This model is possible because we prioritise long-term relationships with clients. At the same time, ongoing investments in technology ensure that we can sustain and strengthen this approach for the future.bClients are also seeking services that genuinely set their bank apart. Mirabaud delivers this notably through a broad range of Private Assets solutions, from evergreen private equity funds to bespoke club deals. The Mirabaud family invests alongside clients, ensuring full alignment of interests. Our clients are predominantly entrepreneurs. With Mirabaud, they find a partner who can support them through major transitions, such as selling their company and diversifying into new asset classes. We also collaborate with in-house and external boutiques, including Mirabaud Advisors in France, to propose a comprehensive suite of services tailored to small and mid-size entrepreneurs looking for a trusted partner for the next chapter of their journey.
Which risks and opportunities do you identify?
Regulation can be both a risk and an opportunity. For smaller institutions like Mirabaud, the investment required to stay fully aligned with evolving regulations is significant and can weigh on profitability, so pragmatic solutions are essential. While we all recognise the importance of regulation – especially in protecting investors – the level playing field it aimed to create is still far from reality.
Technology represents a second area of both risk and opportunity. Mirabaud has already invested heavily in upgrading its core banking system and will continue to invest in Artificial Intelligence. These efforts open the door to meaningful improvements in client service and efficiency. In the coming years, the world will witness the largest intergenerational transfer of wealth in history. According to the 2025 EY Global Wealth Research Report, in Europe alone, nearly €9 trillion is expected to change hands by 2040, around €677 billion per year. As a seventh-generation family-owned group, Mirabaud brings firsthand succession experience to clients navigating the transfer of their company or wealth — an advantage that also positions it to capture additional market share. As Warren Buffet once said: “Someone is sitting in the shade today because someone planted a tree a long time ago”. This reflects perfectly how Mirabaud helps family build and preserve a lasting legacy.