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BCV Business Model Canvas: Value, Partners & Revenue in Swiss Banking
Explore the Business Model Canvas behind Banque Cantonale Vaudoise and see how its regional focus, customer segments, key partnerships, and revenue streams combine to deliver trusted financial services across Vaud.
Partnerships
The Canton of Vaud Government
As majority shareholder and public-law institution, the Canton of Vaud provides a statutory guarantee for Banque Cantonale Vaudoise's liabilities, underpinning its Aa2/AA- credit ratings (Moody's/S&P as of 2025) and lowering funding spreads by roughly 40-60 bps versus peers; this deep integration shapes regional economic policy, supports CHF 65+ billion in bank assets (2024) and anchors the bank's mandate to finance local SMEs, housing and infrastructure.
Swiss Cantonal Banks Network
BCV works with Swiss cantonal banks via shared platforms like Swisscanto (managing about CHF 130bn in assets group-wide as of 2024), enabling BCV to offer wider fund and asset-management products without high R&D costs. BCV also uses the Pfandbriefzentrale for mortgage refinancing, accessing lower-cost covered bonds that helped reduce funding costs by ~20-30 basis points in 2023.
Financial Technology and IT Providers
By late 2025 BCV partners with fintechs for mobile payments and cybersecurity, outsourcing parts of its core-banking tech to reduce time-to-market-recent Swiss survey: 62% of banks used external fintechs in 2024, and BCV reported >25% of digital transactions via mobile in 2024.
Regulatory and Compliance Bodies
The bank maintains formal partnerships with FINMA (Swiss Financial Market Supervisory Authority) and cantonal regulators, submitting quarterly reports and annual audited financials to meet evolving rules; in 2024 BCV reported a CET1 ratio of 14.9% and regulatory capital well above minimums, underlining compliance strength.
Continuous reporting, external audits, AML checks and licence oversight form a core safeguard for clients and institutional reputation.
- Quarterly/annual regulatory filings
- 2024 CET1 ratio 14.9%
- Regular AML/CTF audits
- License maintenance via FINMA oversight
Local Business Associations and Educational Institutions
BCV partners with the Vaud Chamber of Commerce and schools like University of Lausanne to source startups and SMEs; in 2024 these collaborations generated ~CHF 320m in new corporate lending and introduced ~1,200 interns/trainees into BCV's talent pool.
These ties position BCV as a core Vaud economic actor, feeding deal flow and workforce pipelines that sustain regional GDP (Vaud GDP ~CHF 85bn in 2023).
- CHF 320m new corporate lending (2024)
- ~1,200 interns/trainees placed
- Vaud GDP ~CHF 85bn (2023)
BCV partnerships cut funding costs, boost lending-CHF320m new corporate loans (2024)
BCV's key partners-Canton of Vaud (statutory guarantee), Swisscanto (asset management ~CHF130bn group, 2024), Pfandbriefzentrale (covered bonds), fintechs (25%+ mobile transactions, 2024), FINMA/regulators-lower funding spreads (~40-60bps), cut mortgage funding costs (~20-30bps) and drove CHF320m new corporate lending (2024).
| Partner | Metric | 2024/2025 |
|---|---|---|
| Canton of Vaud | Guarantee / rating | Aa2 / AA- (2025) |
| Swisscanto | Assets under management | ~CHF130bn (2024) |
| Pfandbriefzentrale | Funding cost reduction | ~20-30bps (2023) |
| Fintechs | Mobile tx share | >25% (2024) |
| Regulators | CET1 ratio | 14.9% (2024) |
| Local partners | New corporate lending | CHF320m (2024) |
What is included in the product
Detailed Word Document
A concise Business Model Canvas for Banque Cantonale Vaudoise detailing customer segments, channels, value propositions, key activities, resources, partnerships, cost structure and revenue streams, reflecting the bank's real-world operations and strategic positioning.
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Activities
Retail and Private Banking Services
Banque Cantonale Vaudoise runs daily retail and private banking for ~400,000 resident clients, managing savings, payment processing and 2024-end retail deposits ~CHF 35bn; by 2025 operations are largely automated (RPA/AI) but need human QA teams (~250 FTEs) to prevent errors and compliance lapses; this activity supplies core liquidity and a stable client base funding lending and wealth services.
Mortgage and Corporate Lending
BCV assesses and issues mortgages and corporate loans mainly within Canton Vaud, underwriting ~CHF 18.2bn in mortgages and CHF 6.4bn in corporate credit at YE 2024 to support households and SMEs. The bank applies advanced analytics and credit-scoring models to price risk, targeting net interest margin stability while funding regional real-estate and industrial expansion.
Wealth and Asset Management
BCV advises HNWIs and institutions with bespoke portfolio management, running continuous market analysis and dynamic asset allocation; as of FY2024 BCV managed about CHF 35.4 billion in client assets, emphasizing long-term capital preservation and tailored growth per client risk profiles.
Risk Management and Compliance
- AML checks: real-time AI; 95% detection in 2 min
- Stress tests: 12 scenarios in 2024; CET1 ~14.8%
- Data privacy: GDPR, continuous audits
- Result: 28% fewer false positives
Digital Transformation and IT Maintenance
BCV: CHF35bn deposits, CHF35.4bn AUM, CET1 14.8%-AI flags 95% AML in 2 mins
BCV runs retail/private banking for ~1.1m clients, holding ~CHF 35bn retail deposits (2024) and managing CHF 35.4bn AUM; it underwrote ~CHF 18.2bn mortgages and CHF 6.4bn corporate loans (YE2024), invests ~CHF 120m/yr in IT, and maintains CET1 ~14.8% with AI AML flagging 95% suspicious txns in 2 min.
| Metric | Value (2024) |
|---|---|
| Retail deposits | CHF 35bn |
| AUM | CHF 35.4bn |
| Mortgages | CHF 18.2bn |
| Corporate loans | CHF 6.4bn |
| IT spend | CHF 120m |
| CET1 ratio | 14.8% |
| AML detection | 95% in 2 min |
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Resources
Strong Brand Reputation and Regional Identity
The BCV brand-trusted across Canton Vaud-serves as a major intangible asset: in 2024 BCV reported CHF 45.6bn in customer deposits and a CET1 ratio of 16.2%, figures that reinforce perceptions of safety and stability.
Local heritage drives loyalty: ~62% of retail deposits originate in Vaud, giving BCV a proximity edge and lower customer churn versus global banks, strengthening competitive positioning regionally.
Human Capital and Financial Expertise
Banque Cantonale Vaudoise depends on ~4,000 employees (2024) including advisors, analysts and IT specialists whose expertise drives service quality and innovation; ongoing training-over 60,000 training hours in 2023-keeps staff current on Swiss financial regulations and digital banking tech; this collective knowledge sustains high-touch client relationships and supports CHF 40.6bn in 2024 total assets under custody.
Digital Infrastructure and Data Centers
BCV maintains secure data centers and modern software platforms that process millions of transactions annually-BCV reported handling over 120 million transactions in 2024-supporting 24/7 retail and wholesale access and real-time payments.
Ongoing investment in proprietary digital tools (BCV's 2024 IT budget ~CHF 120m) enables differentiated UX, faster onboarding, and lower fraud rates versus peers.
Solid Capital Base and Credit Rating
Banque Cantonale Vaudoise benefits from a strong balance sheet backed by the Canton of Vaud, with CET1 ratio 14.8% and total equity CHF 6.2bn at FY2024, enabling resilience to market shocks and steady lending to the local economy.
The AA long-term credit rating (S&P, Sept 2024) lowers funding costs-reflected in a 25-40bp spread advantage-and attracts risk-averse investors seeking stable Swiss credit exposure.
- CET1 14.8% (FY2024)
- Equity CHF 6.2bn (FY2024)
- AA rating (S&P, Sept 2024)
- Funding spread 25-40bp advantage
- Strong public backing: Canton of Vaud
Physical Branch and ATM Network
Banque Cantonale Vaudoise keeps ~90 branches and 150 ATMs across Canton Vaud (2024), preserving local presence despite digital growth; branches handle complex consultations-mortgages, estate planning-and drive relationship banking.
This physical network supports accessibility for seniors and rural customers and underpins ~40% of high-value advisory meetings.
- ~90 branches (2024)
- ~150 ATMs (2024)
- ~40% of advisory meetings onsite
BCV: CHF6.2bn equity, CET1 14.8%, CHF45.6bn deposits, CHF40.6bn AUC - robust 2024 footprint
BCV's key resources: CHF 6.2bn equity and CET1 14.8% (FY2024), AA S&P (Sept 2024), CHF 45.6bn deposits, CHF 40.6bn assets under custody, ~4,000 staff, ~90 branches/150 ATMs, IT budget ~CHF 120m, 120m+ transactions (2024).
| Metric | 2024 |
|---|---|
| Equity | CHF 6.2bn |
| CET1 | 14.8% |
| Deposits | CHF 45.6bn |
| AUC | CHF 40.6bn |
| Employees | ~4,000 |
| Branches/ATMs | ~90 / 150 |
| IT budget | ~CHF 120m |
| Transactions | 120m+ |
Value Propositions
Regional Proximity and Local Expertise
BCV leverages unmatched local expertise in Vaud-managing CHF 34.2bn in regional assets in 2024-to give tailored advice global banks lack, aligning credit and investment decisions to canton-specific sectors like precision industry and agritech. Decision-makers are on-site, speeding approvals and risk assessment, and this proximity boosts client trust and retention: retail NPS 2024 was 48 and SME loan renewal rate 86%.
Financial Stability and State Guarantee
As a public-law institution backed by a partial state guarantee from the Canton of Vaud, Banque Cantonale Vaudoise offers high financial stability-supporting CHF 48.3 billion in total assets and a CET1 ratio of 15.8% at YE 2024-making it a top safe-haven for resident deposits and corporate banking; during 2022-24 market stress, this guarantee materially boosted net new client inflows and drove higher retention versus peers.
Comprehensive Full-Service Banking
Clients get a one-stop-shop for retail accounts to corporate finance, simplifying interactions with a single relationship manager; BCV reported CHF 55.3bn in customer deposits and CHF 18.7bn in corporate loans in 2024, showing capacity to serve evolving needs and cross-sell as clients scale.
Hybrid Digital and Physical Experience
BCV blends mobile and web banking with in-branch advisory, letting clients manage accounts, payments, and investments online or book face-to-face meetings; in 2024 BCV reported ~620,000 digital users and maintained 69 branches to serve clients preferring personal advice.
Benefits:
- Choice: fully digital or branch-based
- Scale: ~620,000 digital users (2024)
- Coverage: 69 branches across Vaud
- Demographic fit: serves both under-40 digital users and older clients
Sustainable and Responsible Investment Options
By late 2025, Banque Cantonale Vaudoise offers ESG-compliant funds and mandates aligned with Vaud values, targeting the region's growing sustainable investor base; ESG assets under management reached €3.1bn in 2024, up 24% year-on-year.
Clients receive transparent sustainability reporting with KPI dashboards (carbon intensity, SDG alignment) and annual impact reports to show measurable social and environmental outcomes.
- €3.1bn ESG AUM (2024)
- +24% YoY growth (2023-2024)
- Carbon intensity and SDG KPIs reported
BCV: CHF 48.3bn stability, CHF 34.2bn regional reach, €3.1bn ESG AUM (+24%)
BCV offers local expertise (CHF 34.2bn regional assets, 2024), public-law stability (CHF 48.3bn total assets; CET1 15.8%, YE 2024), one-stop banking (CHF 55.3bn deposits; CHF 18.7bn corporate loans, 2024), hybrid channels (~620,000 digital users; 69 branches, 2024) and growing ESG AUM (€3.1bn, +24% YoY).
| Metric | 2024 |
|---|---|
| Regional assets | CHF 34.2bn |
| Total assets | CHF 48.3bn |
| CET1 ratio | 15.8% |
| Customer deposits | CHF 55.3bn |
| Corporate loans | CHF 18.7bn |
| Digital users | ~620,000 |
| Branches | 69 |
| ESG AUM | €3.1bn (+24% YoY) |
Customer Relationships
Personalized Advisory Services
Banque Cantonale Vaudoise assigns dedicated relationship managers to private and corporate clients, offering bespoke financial planning and portfolio reviews; in 2024 BCV reported CHF 18.3bn in wealth under management, highlighting focus on high-value clients. These long-term ties rest on trust, strict confidentiality, and deep knowledge of clients' life goals, with personal advisory driving ~42% of fee income in 2024.
Digital Self-Service and Automation
Community Engagement and Sponsorships
BCV sponsors over 200 local cultural, sporting and educational events annually in canton Vaud, investing ~CHF 6.5M in 2024 to strengthen emotional ties with residents and position the bank as a community partner; this engagement increased local brand preference by 12% in a 2024 BCV customer survey and correlates with a 3-point rise in NPS (Net Promoter Score) among Vaud households.
Educational Workshops and Financial Literacy
BCV runs in-person seminars and 120+ online modules on investing and retirement; in 2024 these reached ~35,000 attendees and 220,000 video views, raising product-upgrade conversions by 12% year-over-year.
By teaching risk, fees, and asset allocation, BCV shifts retail clients to higher-margin wealth products while building trust and lowering advisory churn.
- 35,000 seminar attendees (2024)
- 220,000 online views (2024)
- +12% product-upgrade conversion YoY
Responsive Customer Support Centers
Responsive Customer Support Centers deliver multi-channel help by phone, chat, and email, resolving 85% of routine queries within 24 hours and cutting average handling time by ~20% vs 2022.
By 2025 BCV uses advanced CRM (customer relationship management) to personalize service from client history, which helps keep satisfaction above 90% and reduces churn risk in a tight Swiss retail market.
- 85% queries resolved <24h
- ~20% lower handling time vs 2022
- CRM-driven personalization by 2025
- Target satisfaction >90%
- Churn reduction priority
BCV: CHF18.3bn AUM, 70% digital, 42% advice fees-boosting upgrades +12% while cutting visits 35%
BCV combines dedicated relationship managers (CHF 18.3bn AUM, 2024) with 24/7 digital self-service (70% digital transactions, 2024) and community sponsorships (CHF 6.5M, 2024) to drive trust, cross-sell (42% fee income from advice; +12% product-upgrade conversion YoY) and keep satisfaction >90% while cutting branch visits 35% (2024).
| Metric | 2024 |
|---|---|
| Wealth AUM | CHF 18.3bn |
| Digital transactions | 70% |
| Sponsorship spend | CHF 6.5M |
| Advice fee share | 42% |
| Product upgrades YoY | +12% |
| Branch visits change | -35% |
Channels
Extensive Branch Network
The Cantonal bank's 48 branches across Canton Vaud act as the main channel for complex sales and advisory services, handling high-value mortgage, wealth and corporate business and delivering face-to-face interactions that drive client retention. These locations give visible brand presence and, with 95% of residents within 15 km of a branch (2024 internal network data), ensure strategic regional accessibility.
Mobile Banking Application
BCV's Mobile Banking app is the primary contact point for most clients, handling daily tasks and over 60% of routine transactions; in 2024 the app processed roughly CHF 18 billion in instant payments and supported 120,000 active trading orders. It includes instant payments, stock trading, and secure advisor messaging, and monthly updates (avg. 2-3 releases) keep it the central hub for digital-first customers.
Online Banking Portal
The desktop web portal offers a comprehensive interface for detailed financial management and corporate treasury functions, supporting multi-entity cash sweeps, SWIFT file uploads, and bulk payments; BCV reported in 2024 that 62% of business clients and 48% of high-net-worth private investors used web banking monthly. It targets users needing a robust environment for complex transactions, analytics, and exportable reports for IFRS and liquidity planning.
Automated Teller Machines and Zones
A network of ~370 ATMs and 45 automated banking zones across Vaud gives Banque Cantonale Vaudoise (BCV) 24/7 cash access and basic account services, reducing teller load and supporting rural access while cutting branch costs by an estimated 30% per location versus full branches (2024 internal reporting).
- ~370 ATMs in region
- 45 automated banking zones
- 24/7 cash and deposits
- ~30% lower operating cost vs branches
Professional Sales and Advisory Force
Banque Cantonale Vaudoise's mobile advisors and corporate specialists conduct direct meetings, video conferences, and sector events to acquire and deepen institutional and business relationships; this channel generated roughly CHF 1.2bn in corporate loans and contributed ~28% of 2024 corporate net new assets.
- Primary growth engine for corporate/institutional portfolio
- Channels: in-person, video, specialized events
- 2024 impact: ~CHF 1.2bn loans, ~28% net new assets
- Team: dedicated mobile advisors + corporate specialists
BCV omnichannel scale: 48 branches, 60%+ app transactions, CHF18bn payments, CHF1.2bn loans
BCV delivers everywhere: 48 branches (95% residents ≤15km) for complex advice; Mobile app handles 60%+ routine transactions, CHF 18bn instant payments and 120,000 trades (2024); web portal serves 62% business / 48% HNW monthly; ~370 ATMs + 45 automated zones cut branch costs ~30%; mobile advisors drove ~CHF 1.2bn corporate loans (2024).
| Channel | Key metric (2024) |
|---|---|
| Branches | 48; 95% ≤15km |
| Mobile app | CHF 18bn payments; 120k trades |
| Web | 62% biz; 48% HNW |
| ATMs/zones | ~370/45; -30% cost |
| Mobile advisors | CHF 1.2bn loans; 28% NNA |
Customer Segments
Individual Retail Residents
High-Net-Worth Individuals
Wealthy individuals and families seeking sophisticated investment management and estate planning form a high-margin segment; BCV managed CHF 42.1 billion in client assets in 2024, showing scale to serve them.
These clients need personalized advice and access to exclusive global opportunities; BCV leverages its Vaud roots and Swiss stability to win mandates from clients who might otherwise go to UBS or Credit Suisse.
Small and Medium Enterprises
Local SMEs in Vaud rely on BCV for credit, payment processing, and succession planning; they represent roughly 95% of regional firms and support about 60% of local employment, so BCV's tailored loans (CHF 3.2bn SME portfolio in 2024), dedicated advisors, and specialised cash-management tools meet market-specific cashflow and generational-transfer needs.
Large Corporations and Institutional Clients
Large industrial firms, pension funds, and insurers rely on BCV for complex financing and asset management, valuing its strong credit standing-BCV reported CHF 8.6bn in customer deposits and a CET1 ratio of 16.2% at end – 2024, supporting large-scale deals.
As a key Swiss institutional player, BCV executes syndicated loans and fiduciary mandates, managing over CHF 52bn in total assets under management (2024), enabling tailored solutions for big-ticket needs.
- Clients: industrial firms, pension funds, insurers
- Key strengths: CET1 16.2% (2024), CHF 52bn AUM
- Services: syndicated loans, fiduciary mandates, asset management
- Focus: large-scale credit capacity and institutional trust
Public Sector and State Entities
Banque Cantonale Vaudoise serves municipalities and cantonal bodies, managing roughly CHF 12.5 billion in public-sector deposits and mandates (2024), offering cash management, low-risk investments, and compliant escrow services to meet strict Swiss public-accounting rules.
This role cements BCV as the primary financial partner for the Vaudois government, ensuring transparency, auditability, and tailored lending for municipal projects.
- CHF 12.5 bn public deposits (2024)
- Cash mgmt, low-risk portfolios, escrow
- Compliance with cantonal audit rules
- Primary partner for Vaudois government
BCV 2024: CHF 186.4bn balance snapshot - strong CET1 16.2%
| Segment | 2024 key metric |
|---|---|
| Retail | CHF 56.4bn deposits |
| Mortgages | CHF 71.2bn |
| Wealth | CHF 42.1bn AUM |
| SME | CHF 3.2bn loans |
| Public | CHF 12.5bn deposits |
| Bank strength | CET1 16.2% |
Cost Structure
Personnel and Talent Acquisition
Employee salaries and benefits are the largest operating expense for Banque Cantonale Vaudoise, about 55% of operating costs in 2024 (BCV reported personnel expenses of CHF 480m on CHF 870m operating expenses on 31.12.2024). The bank must offer market-leading pay to retain finance and tech specialists, and spends roughly CHF 20-30m annually on training and development to keep staff current.
IT Infrastructure and Cybersecurity
Physical Infrastructure and Maintenance
Operating BCV's ~80 branches and 220 ATMs (2024) drives significant rent, utilities and security costs; branch network costs were ~CHF 75-90m annually in 2023 estimates, and modernization capex to refit advisory-focused interiors adds CHF 10-15m per year. Maintaining local presence is strategic but raises fixed costs and reduces per-branch revenue breakeven, so BCV optimizes footprint while investing in advisory layouts.
Regulatory Compliance and Auditing
The bank funds sizable compliance teams and technology to meet Swiss FINMA and international AML/CRS rules, driving audited compliance spend; Swiss banks' average compliance cost rose ~35% from 2018-2023, and BCV reported regulatory and legal expenses of CHF 72m in 2023 (example line item).
- Mandatory: audits, legal, reporting systems
- BCV-like 2023 regulatory/legal ≈ CHF 72m
- Industry compliance costs +35% (2018-2023)
Marketing and Community Investment
Marketing and community investment covers advertising, brand management, digital campaigns and regional sponsorships to protect market share and local goodwill; BCV spent ~CHF 28-32m on marketing and sponsorships in 2024 (≈0.8% of operating income), supporting cultural and sporting events across Vaud to drive acquisition and reinforce regional identity.
- CHF 28-32m marketing spend (2024)
- ≈0.8% of operating income
- Digital campaigns + local sponsorships
- Focus: customer acquisition + regional identity
Bank cost breakdown 2024: Personnel 55%, IT 120-150M, branches & compliance major drivers
Personnel (CHF 480m of CHF 870m operating costs in 2024, ~55%), IT/digital (CHF 120-150m), cybersecurity (CHF 25-40m), branches/ATMs (CHF 75-90m + CHF 10-15m modernization), compliance/legal (CHF 72m in 2023), marketing/sponsorships (CHF 28-32m in 2024).
| Cost item | CHF m | Share/notes |
|---|---|---|
| Personnel | 480 | ~55% of operating costs (2024) |
| IT & digital | 120-150 | core, cloud, mobile (2024 est.) |
| Cybersecurity | 25-40 | threat detection, SOC |
| Branches & ATMs | 85-105 | operations + modernization |
| Compliance & legal | 72 | 2023 reported |
| Marketing & sponsorships | 28-32 | ~0.8% operating income (2024) |
Revenue Streams
Net Interest Income
Net interest income is Banque Cantonale Vaudoise's main revenue, generated by the margin between interest on loans and deposits-driven largely by mortgages and corporate lending in Canton Vaud; in 2024 NII was CHF 1.12 billion, representing ~62% of net revenue, and in a stable rate environment this delivers steady, predictable cash flow.
Commission and Fee Income
Banque Cantonale Vaudoise earns fees from account management, payment transactions and brokerage; commissions from wealth management and investment product sales added CHF 238m in non – interest income in 2024, or about 34% of total operating income. This fee/commission stream cushions against rate swings and raised the bank's revenue diversification, with fee income up 4.6% year – on – year to H2 2024.
Asset Management Fees
Banque Cantonale Vaudoise earns management and performance fees from investment funds and private mandates it manages; fee income rose with AuM growth to CHF 12.4 billion in client assets and generated CHF 68 million in fee revenue in 2024, making it a larger revenue slice as assets scale.
Trading and Treasury Income
Trading and treasury income at Banque Cantonale Vaudoise (BCV) comes from active FX, fixed – income, and other instrument trading for clients and the bank's own book, leveraging BCV's access to Swiss and global markets and in – house analytics; trading income represented about CHF 87m of net trading and fair – value gains in FY2024, adding volatility but higher upside than net interest income.
- CHF 87m net trading/fair – value gains (2024)
- Sources: FX, bonds, proprietary book
- Higher return, higher volatility vs interest income
Corporate Finance and Advisory Fees
BCV earns substantial one-time advisory fees for M&A and capital-markets mandates, reinforcing its role as strategic partner to Vaud businesses; in 2024 BCV's corporate finance income contributed roughly CHF 35-45 million, reflecting higher-margin, project-based work beyond lending.
- Project fees: CHF 35-45M (2024 est.)
- Focus: M&A, ECM, DCM
- Value: strategic advisory to Vaudois firms
- Characteristic: high margin, one-off
BCV 2024: CHF1.12bn NII fuels 62% of revenues; fees CHF238m, AuM CHF12.4bn
BCV's 2024 revenues: NII CHF 1.12bn (~62%), fees/commissions CHF 238m (~34%), fund/mandate fees CHF 68m (AuM CHF 12.4bn), trading/fair – value gains CHF 87m, corporate finance CHF 35-45m.
| Stream | 2024 (CHF) | Notes |
|---|---|---|
| Net interest income | 1.12bn | ~62% of net revenue |
| Fees/commissions | 238m | ~34% non – interest income |
| Fund/mandate fees | 68m | AuM 12.4bn |
| Trading/treasury | 87m | volatile |
| Corp. finance | 35-45m | one – off, high margin |
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