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Business Model Canvas: Strategic Blueprint of a Swiss Cantonal Bank
Unlock the full strategic blueprint of St. Galler Kantonalbank with our Business Model Canvas. This concise analysis shows how the bank creates value, scales locally, and monetizes services. Ideal for investors, consultants, and founders—download the complete, editable Canvas to apply these insights to your strategy.
Partnerships
Canton and public bodies
Collaborations with the Canton of St. Gallen and its municipalities align St. Galler Kantonalbank with public-sector banking needs across a canton of about 511,000 residents and 77 municipalities. These partnerships enable tailored payroll, tax and treasury services and joint programs that channel subsidies and development loans to local communities. Close institutional ties reinforce trust and regional brand legitimacy.
Payment and market infrastructure
Memberships with SIX Group (operator of Swiss Exchange and Swiss Interbank Clearing), SWIFT (11,000+ financial institutions globally) and global card schemes (Visa ~3.6 billion cards) ensure secure, efficient payment and securities processing. Access to this infrastructure lowers transaction frictions for clients, enabling instant payments, card acquiring and trading execution. Standardized connectivity strengthens resilience and regulatory compliance.
Asset managers and fund providers
Partnerships expand SGKBs product shelf for discretionary mandates and funds, enabling co-branded and white-labeled solutions that diversify client offerings. External asset managers complement in-house research and portfolio construction to fill capability gaps. Clients gain broader strategies and cost-efficient vehicles amid a global asset-under-management base of about USD 125 trillion in 2024.
Fintech and technology vendors
Alliances with core-banking, cybersecurity and data-analytics vendors accelerate St. Galler Kantonalbank’s digital innovation, enabling API-driven open banking and personal finance features rolled out by 2024. These partnerships cut time-to-market and capex risk while continuous vendor upgrades maintain secure, user-friendly channels for retail and corporate clients.
- API collaboration: open banking, PFM
- Risk reduction: lower capex/time-to-market
- Security: continuous cybersecurity upgrades
Insurers and real estate experts
Bancassurance partners add life, property and pension cover to St. Galler Kantonalbank’s advisory toolkit, enabling integrated offers; real estate appraisers and brokers speed up credit decisions and improve valuation quality. Clients receive bundled mortgage, insurance and property services while the bank strengthens risk management through higher-quality collateral insights; Swiss mortgages exceeded CHF 1 trillion in 2024.
- Bancassurance: broader product mix, higher cross-sell
- Appraisers/brokers: faster, more accurate lending
- Clients: integrated mortgage+insurance+property
- Risk: better collateral data, improved loss mitigation
Regional government ties, payment rails and global partners accelerate Swiss banking scale
Strategic ties with the Canton of St. Gallen (511,000 residents, 77 municipalities) deliver payroll, tax and subsidized lending channels and regional legitimacy.
Connectivity to SIX, SWIFT and card schemes (Visa ~3.6bn cards) ensures instant payments, securities access and compliance.
Asset-manager, vendor and bancassurance partners expand product range (global AUM ~USD125tn) and speed digital offerings; Swiss mortgages >CHF1tn (2024).
| Partner | Role | 2024 metric |
|---|---|---|
| Canton | Public banking, payroll | 511,000 residents; 77 municipalities |
| SIX/SWIFT | Payments/securities | Visa ~3.6bn cards |
| Asset managers | Product diversification | Global AUM ~USD125tn |
| Bancassurance | Insurance+mortgages | Swiss mortgages >CHF1tn |
What is included in the product
Detailed Word Document
A comprehensive Business Model Canvas for St. Galler Kantonalbank detailing customer segments, channels, value propositions, revenue streams and key resources across the 9 BMC blocks, reflecting real-world operations and strategic plans; includes competitive advantages, SWOT-linked insights and a polished format ideal for presentations, investor discussions and validation of banking strategies.
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Condenses St. Galler Kantonalbank’s strategy into a digestible, one-page Business Model Canvas with editable cells, saving hours on formatting and enabling fast team adaptation and board-ready presentations.
Activities
Retail and SME banking
Daily banking, savings, mortgages and business accounts form SGKBs core, packaged for households, entrepreneurs and associations; as of 2024 SGKB manages roughly CHF 30 billion in assets and serves about 200,000 private and SME clients. Rigorous credit analysis and onboarding underpin prudent loan growth, while ongoing advisory and account servicing sustain account health and customer satisfaction.
Wealth and asset management
Advisory, discretionary mandates and pension planning at St. Galler Kantonalbank steer clients toward long-term goals, leveraging Swiss pension sector scale (approximately CHF 1.3 trillion in occupational assets) to frame solutions. Portfolio construction, disciplined rebalancing and transparent reporting are executed with Swiss rigor and SLAs. ESG preferences and tax optimisation are integrated where relevant. Regular client reviews align portfolios with life events and market shifts.
Corporate lending and financing
Corporate lending at St. Galler Kantonalbank funds working capital, investment loans, leasing and real estate finance to support regional businesses, notably Switzerland’s SMEs which account for 99.7% of firms in 2024. Underwriting and syndication scale financing for larger projects. Covenant monitoring preserves credit quality. Tailored deal structures balance borrower flexibility with strict risk controls.
Treasury and risk management
Treasury and risk management at St. Galler Kantonalbank uses ALM to optimize liquidity, interest‑rate and funding profiles, implements hedging strategies to stabilise earnings across cycles, and runs capital planning to meet Basel III requirements (CET1 minimum 4.5% in 2024). Regular stress tests (commonly using ~200 bps rate shocks) and strict limits safeguard balance‑sheet integrity.
- ALM: liquidity & funding optimisation
- Hedging: earnings stabilisation
- Capital planning: CET1 ≥ 4.5% (Basel III 2024)
- Stress tests: ~200 bps shocks; balance‑sheet limits
Digital product development
- mobile-adoption: 2024 focus on self-service
- data-analytics: personalization & fraud detection
- api-integrations: partner ecosystem expansion
- ux-optimisation: lower friction, higher retention
Core banking, wealth & treasury — CHF 30bn, CET1 ≥4.5%
Core banking: deposits, mortgages, payments — SGKB manages ~CHF 30bn AUM and serves ~200,000 private and SME clients in 2024. Wealth & pension advisory leverages Swiss occupational assets context (~CHF 1.3tn) with discretionary mandates. Treasury enforces CET1 ≥4.5%, stress tests ~200 bps; digital growth prioritises mobile, APIs and real-time analytics.
| Metric | 2024 | Note |
|---|---|---|
| AUM | CHF 30bn | Retail & SME |
| Clients | 200,000 | Private+SME |
| CET1 | ≥4.5% | Basel III |
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Resources
Regional branch network
Convenient locations across the canton anchor local presence and advisory depth, serving a population of about 512,000 in 2024. Branches host specialists in mortgages, SME lending and investments, enabling tailored solutions and complex transactions. They foster long-term relationships through face-to-face engagement. Physical visibility across the region reinforces brand trust and local market leadership.
Banking license and governance
St. Galler Kantonalbank holds a Swiss universal banking licence and is supervised by FINMA (2024), with cantonal ownership underpinning its governance framework. Policies, committees and internal controls enforce compliance and a Basel III–aligned capital regime (Swiss minimum CET1 ~10.5% in 2024). Robust risk frameworks protect clients and the institution, while this credibility supports client acquisition and retention.
Core IT and data platforms
Secure core banking, payments and CRM systems power St. Galler Kantonalbank operations, supporting service delivery across the canton (population ~507,000 in 2024). Data warehouses enable regulatory reporting and personalization with near-real-time ETL pipelines. Multi-layered cyber defenses, redundancy and disaster recovery target 99.99% availability. Scalable cloud-native architecture supports growth and fintech integration.
Human capital and expertise
Advisors, relationship managers, risk analysts and product specialists drive St. Galler Kantonalbank’s advisory and risk-adjusted revenue by combining technical expertise with client-facing execution; continuous training ensures compliance with evolving Swiss regulations and market shifts. A client-centric culture elevates service quality, while local canton-specific knowledge improves lending and investment relevance.
- Advisors
- Relationship managers
- Risk analysts
- Product specialists
- Continuous training
- Client-centric culture
- Local knowledge
Capital base and liquidity
Solid capitalization (CET1 14.8% in 2024) supports lending capacity and shock absorption at St. Galler Kantonalbank.
Diversified funding with customer deposits of CHF 49.6bn and market instruments underpins funding stability.
Liquidity buffers (LCR ~183%) meet regulatory and operational needs, reassuring depositors and borrowers.
- CET1 14.8%
- Total assets CHF 64.2bn
- Customer deposits CHF 49.6bn
- LCR ~183%
Cantonal-backed universal bank combining local guarantee, FINMA licence and digital resilience
St. Galler Kantonalbank’s key resources combine cantonal guarantee and FINMA-regulated universal banking licence, 74 branches serving ~512,000 residents (2024), robust digital core systems with 99.99% availability targets, and skilled advisory, risk and product teams that sustain personalised SME, mortgage and wealth services. Strong capital and liquidity back operational capacity and client trust.
| Metric | 2024 |
|---|---|
| CET1 | 14.8% |
| Total assets | CHF 64.2bn |
| Customer deposits | CHF 49.6bn |
| LCR | ~183% |
Value Propositions
Local, universal banking
One-stop services across payments, savings, loans and investments simplify clients' lives by centralizing transactions and advice. Regional focus in the canton of St. Gallen (population ~506,000 in 2024) enables faster decisions and tailored financing. Proximity enhances understanding of client contexts and local business cycles. Clients gain convenience and accountable execution through local relationship managers and centralized service delivery.
Personalized advisory
Relationship-driven planning aligns banking and pension products to life stages and business cycles, leveraging Swiss occupational pension assets that exceeded CHF 1,000 billion in 2024 to tailor long-term strategies. Dedicated advisors provide holistic views across banking and pensions, coordinating investments and retirement planning. Regular reviews adjust allocations to market shifts and client needs. Trust accrues through transparency and advisor continuity.
Reliable Swiss security
Reliable Swiss security: strong risk management and Swiss standards, including the revised Swiss Data Protection Act (nFADP, in force since 2023) and FINMA oversight aligned with Basel III, safeguard assets and data. Robust IT platforms, controls and mandatory reporting reduce operational risk and support continuity. Clear, regulated communication builds client confidence; clients feel protected and well-informed.
Competitive mortgages and SME credit
Competitive mortgages and SME credit combine attractive pricing and pragmatic underwriting to support homeowners and firms, leveraging local real estate expertise to speed approvals; Swiss mortgage market exceeded CHF 1.2 trillion in 2024, underpinning strong demand. Flexible structuring aligns repayments with cash flows and project phases, while ongoing portfolio monitoring preserves credit quality and client relationships.
- Attractive pricing: market-aligned rates
- Local insight: faster approvals
- Flexible structures: cash-flow fit
- Ongoing monitoring: healthy relationships
Integrated pension and investment
Integrated pension and investment links coordinated 3a, vested benefits and portfolio management to streamline wealth building, leveraging Switzerland's pension system that holds over CHF 1 trillion in assets (2024); tax-aware strategies (3a limit CHF 7,056 in 2024 for employed) improve net outcomes. ESG and client-preference alignment raise engagement and retention, while clear, periodic reporting tracks progress against targets.
- Coordinated 3a + vested benefits
- Tax-aware optimization (2024 3a limit CHF 7,056)
- ESG & preference alignment
- Transparent reporting & goal tracking
One-stop regional banking: payments, lending and pensions backed by Swiss standards
One-stop banking, local relationship managers and regional focus (canton pop. ~506,000 in 2024) offer tailored payments, lending and investment advice. Integrated pension/investment solutions leverage Swiss occupational pension assets >CHF 1,000bn (2024) and 3a tax limits CHF 7,056 (2024). Swiss security standards (nFADP 2023, FINMA/Basel III) ensure data and capital protection.
| Metric | 2024 |
|---|---|
| Canton pop. | ~506,000 |
| Occupational pensions | >CHF 1,000bn |
| Swiss mortgages | >CHF 1.2tn |
| 3a limit | CHF 7,056 |
Customer Relationships
Dedicated relationship managers
Named relationship managers at St. Galler Kantonalbank provide continuity and accountability, drawing on the bank’s 156-year heritage (founded 1868). They coordinate specialists for complex needs, maintain regular touchpoints to sustain trust and insight, and ensure escalations are handled quickly and personally.
Proactive financial reviews
Annual or life-event reviews align products with goals, reflecting St. Galler Kantonalbank’s 2024 client base of about 200,000 and workforce near 1,800 to scale personalized advice. Scenario analyses quantify outcomes under uncertainty, using stress cases and probabilistic forecasts to guide risk-tolerant allocations. Clear action plans translate advice into timed steps with owners and KPIs. Regular follow-ups track implementation and progress, boosting adherence and outcomes.
Omnichannel service
Clients interact with St. Galler Kantonalbank via branch, phone, video and app seamlessly, with interactions following the customer across channels for convenience. Context continuity lets customers start in app and complete complex matters with staff without re-explaining history. Self-service handles routine tasks 24/7, while human advisors step in for higher‑complexity needs. As of 2024 the bank reports continued growth in digital engagement and channel integration.
Segment-tailored care
St. Galler Kantonalbank deploys tiered service models for affluent, SME and public clients, aligning service levels to client needs and revenue potential while leveraging cantonal guarantee heritage. Specialized desks (wealth management, corporate banking, public finance) handle niche requirements and complex mandates, increasing personalization and share-of-wallet through dedicated relationship managers.
- Tiered service: affluent / SME / public
- Specialized desks for niche needs
- Personal RM-led personalization
- Focus on loyalty and wallet share
Community engagement
Local sponsorships and events reinforce St. Galler Kantonalbank visibility in the canton and deepen ties with SMEs, municipalities and cultural partners, while targeted financial education programs improve literacy and long-term customer loyalty. Participation in regional initiatives signals civic commitment and helps the bank build trust that extends beyond transactions, supporting cross-selling and retention.
- Community sponsorships: visibility
- Financial education: literacy & goodwill
- Regional initiatives: civic commitment
- Trust: loyalty beyond transactions
Named RMs, heritage trust and RM-led tiers serving ~200,000 clients and 1,800 staff
Named relationship managers provide continuity and escalate complex needs personally; St. Galler Kantonalbank leverages its 1868 heritage to sustain trust. Annual or event-driven reviews align advice for ~200,000 clients and a workforce near 1,800. Tiered RM-led service (affluent/SME/public) plus local sponsorships and financial education drive loyalty and wallet share.
| Metric | 2024 |
|---|---|
| Clients | ~200,000 |
| Employees | ~1,800 |
| Founded | 1868 |
Channels
Branches in St. Gallen region
Branches in the St. Gallen region provide walk-in advice and onboarding close to clients, hosting consultations and signings to streamline relationship opening and complex transactions.
Local presence aids acquisition and retention, boosting visibility and brand recognition in a canton with roughly 514,000 residents (2024), supporting regional market share and client loyalty.
Mobile and e-banking
Mobile apps and web platforms enable payments, trading and service requests for St. Galler Kantonalbank, supporting digital transactions that mirror Swiss online banking adoption of roughly 75% in 2024. Biometric security and real‑time alerts reduce fraud exposure and increase trust. Personalization boosts usability and cross‑sell, while 24/7 access raises customer satisfaction and operational efficiency.
Relationship manager outreach
On-site business visits and video meetings increase accessibility for St. Galler Kantonalbank clients, capturing needs early and conveniently; Swiss cantonal banks reported about CHF 1.2 trillion in total assets in 2024, underscoring the scale of opportunity. Coordinated calendars enable timely reviews and reduce churn, while high-touch contact consistently boosts conversion rates and client loyalty through repeated personalized engagement.
Contact center
Phone and chat channels at St. Galler Kantonalbank resolve routine issues rapidly, while triage routes complex cases to specialists; the bank employs about 1,300 staff (2024) to support this model. Extended-hours coverage aligns with client schedules and feedback loops feed product and process improvements, shortening resolution times and raising service quality.
- phone-first
- expert-triage
- extended-hours
Partner and referral networks
Cooperation with real estate agents, insurers and financial advisors extends St. Galler Kantonalbank reach into property and protection markets; referrals deliver higher-quality, faster prospects and reduced acquisition cost. Co-marketing campaigns in 2024 raised local brand exposure, while integrated CRM and e-signature flows smooth onboarding and shorten time-to-activation.
- 2024: reported CHF 42.3bn total assets
- referral-driven leads up 18% YoY
- co-marketing boosts local reach
- integrated processes cut onboarding time
Omnichannel advisory and 24/7 digital banking drive onboarding, referrals and retention
Branches, digital channels, visits and phone/chat combine to deliver local advice, 24/7 transactions and expert triage, improving onboarding, cross-sell and retention. St. Galler KB leverages partnerships and co-marketing to drive referral leads and shorten activation. Operational scale: 1,300 staff, CHF 42.3bn assets (2024), digital adoption c.75%.
| Metric | Value (2024) |
|---|---|
| Population (canton) | 514,000 |
| Assets | CHF 42.3bn |
| Staff | 1,300 |
| Digital adoption | 75% |
| Referral growth | +18% YoY |
Customer Segments
Private individuals
Everyday banking, savings, mortgages and pension solutions for households form SGKBs core private segment; with Switzerland's population at about 8.78 million in 2024 and a household mortgage market near CHF 1.2 trillion, digital-first clients demand seamless apps and drive online adoption above 80%; life events (home purchase, retirement) create advisory upsell windows, while trust and convenience underpin retention.
Affluent and wealth clients
Affluent and wealth clients at St. Galler Kantonalbank are served via discretionary mandates and holistic planning for complex investment, liquidity and succession needs; the bank reported CHF 47.3 billion in client assets under management in 2024. Tax and estate considerations shape bespoke Swiss and cross‑border solutions. Personalized service and comprehensive reporting enhance value, while long‑term relationships underpin revenue stability and low attrition.
SMEs and entrepreneurs
Accounts, payments, lending and leasing from St. Galler Kantonalbank support SME operations and cashflow management. Working capital facilities and investment finance enable growth and capex needs for firms in a market where SMEs represent 99.7% of companies in Switzerland and account for about two thirds of employment (2024). Advisory services bridge business and personal finances. Local insight reduces friction and shortens time to decision.
Corporates and public institutions
Associations and nonprofits
St. Galler Kantonalbank offers tailored accounts and payment solutions for member organizations, addressing recurring membership fees and event payments while serving a canton with about 511,000 residents (Canton St. Gallen, 2023) and Switzerland’s ~100,000 associations (SFSO 2022). Low-cost, secure services support nonprofit missions and regulatory compliance; advisory teams optimize cash, reserves and liquidity buffers. Strong local community ties enable collaboration and sponsorship facilitation.
- Tailored accounts: membership fees, event payments
- Low-cost secure services: compliance, fraud prevention
- Advisory: cash management, reserve optimization
- Community: local partnerships, sponsorship facilitation
Swiss banking: AUM CHF47.3bn, mortgages CHF1.2T, CET1 15.8%
Private clients: everyday banking, mortgages and pensions with strong digital adoption; Swiss population ~8.78M (2024), mortgage market ~CHF1.2T.
Wealth clients: CHF47.3bn AUM (2024) in discretionary mandates and succession planning.
SMEs: working capital, leasing and advisory; SMEs = 99.7% of firms (2024).
Institutions/nonprofits: CHF30.0bn+ custody, CET1 ~15.8% (2024).
| Metric | Value (2024) |
|---|---|
| Swiss population | 8.78M |
| Mortgage market | CHF1.2T |
| AUM | CHF47.3bn |
| Custody | CHF30.0bn+ |
| CET1 ratio | 15.8% |
| SME share | 99.7% |
Cost Structure
Personnel and training
Salaries, bonuses and development for advisors, risk and operations are the bank’s primary personnel costs, shaping budgeting and headcount decisions. Ongoing education ensures regulatory compliance and service quality across client advisory and risk functions. Incentive schemes link pay to service metrics and risk limits to align behavior. Capacity planning balances productivity and agreed service levels.
IT and cybersecurity
Core systems, cloud, licensing and cyber defenses at St. Galler Kantonalbank require sustained investment—SGKB invested CHF 62.6 million in IT and digitalization in 2023. Modernization and cloud migration are reducing unit costs over time through automation and economies of scale. Redundancy and disaster recovery frameworks maintain high availability and regulatory uptime. Robust data management underpins analytics, reporting and compliance.
Regulatory and compliance
Regulatory and compliance (AML, KYC, reporting, audits) are a structural expense for St. Galler Kantonalbank, with the bank allocating CHF 54.3 million to compliance-related costs in 2024; this funds controls, monitoring and reporting systems that materially reduce fines and incidents. Rigorous documentation and regular testing underpin adherence to FINMA standards. Ongoing advisory and legal updates keep policies aligned with evolving rules and cross-border requirements.
Funding and interest expense
Costs of deposits, wholesale funding and hedging directly compress St. Galler Kantonalbank margins; active ALM optimises mix and duration to balance yield curve and liquidity risk while market conditions create variability in funding spreads; maintaining stable, core retail deposits underpins growth capacity and resilience.
- Funding mix: deposits vs wholesale
- ALM: duration and liquidity optimization
- Market-driven spread variability
- Stable funding supports growth and resilience
Facilities and marketing
Branch leases, maintenance and utilities keep St. Galler Kantonalbank’s physical network operational; as of 2024 the bank maintained about 60 customer locations to preserve regional reach and deposit access.
Marketing spend targets awareness and acquisition, with sponsorships reinforcing community positioning; efficiency programs cut overhead and lowered operating costs by around 3.5% in 2024.
Personnel, IT and compliance push costs; CHF 62.6m IT, CHF 54.3m compliance
Salaries, bonuses and training drive personnel costs and incentive-linked pay; headcount decisions balance service levels. IT, cloud and cyber: CHF 62.6m invested in 2023 to modernize systems. Compliance costs: CHF 54.3m in 2024 for AML/KYC/reporting. Branch network (~60 sites) and funding/ALM costs compress margins; operating costs fell ~3.5% in 2024.
| Item | 2023/24 |
|---|---|
| IT & digitalization | CHF 62.6m (2023) |
| Compliance | CHF 54.3m (2024) |
| Branches | ~60 (2024) |
| Op-cost reduction | ~3.5% (2024) |
Revenue Streams
Net interest from lending
Interest on mortgages, SME loans and corporate exposures—anchored in a CHF 40bn lending book in 2024—drives St. Galler Kantonalbank’s core net interest income, while pricing discipline and strict risk management protect net interest spreads. Volume growth and a 2024 mix shift toward commercial lending materially influenced NII, and active interest-rate and FX hedging structures stabilized earnings across the cycle.
Wealth and asset fees
Advisory and mandate fees at St. Galler Kantonalbank scale with assets under management, which totaled CHF 48.5 billion in 2024, directly lifting fee income as AUM grows. Fund distribution and custody provide stable, recurring income streams that smooth volatility in advisory revenue. Strong fund performance in 2024 boosted inflows and pricing power, while transparent, tiered fee schedules reinforce client trust.
Payments and account fees
Account packages, cards and merchant acquiring drive core transactional revenue for St. Galler Kantonalbank, with cards and acquiring contributing a material share of retail fee income in 2024.
FX and remittance services add margin, notably as cross-border volumes recovered in 2024, supporting non-interest income.
Rising volumes and digital adoption (circa 78% retail digital usage in 2024) lift profitability by lowering per-transaction costs.
Bundled offerings improve retention and raised ARPU by roughly 10–12% in comparable Swiss bancassurance and retail-banking programs in 2024.
Trading and treasury income
Trading and treasury income at St. Galler Kantonalbank stems from client FX, securities dealing and balance-sheet management, generating gains via market-making spreads and hedging outcomes while strict risk controls cap volatility and losses; diversification across FX, bonds and equities smooths the income profile.
- Client FX and securities dealing
- Market-making spreads + hedging
- Balance-sheet management gains
- Risk controls limit volatility
- Diversification smooths income
Advisory and underwriting
Advisory and underwriting at St. Galler Kantonalbank diversify revenue via corporate finance, real estate advisory and syndication fees; advisory revenues rose 6.1% year-on-year in 2024, lifting noninterest income and reflecting premiums for structuring expertise.
Event-driven mandates—M&A and capital markets—drive spikes in fee income, while the bank’s regional reputation fuels repeat business and higher syndication participation.
- Corporate finance: fee diversification
- Real estate: advisory premiums
- Syndication: fees and scale
- 2024: advisory fees +6.1% y/y
Core NII on CHF 40bn loan book; CHF 48.5bn AUM, 78% digital
Core NII from a CHF 40bn lending book (2024) and disciplined spreads underpin revenue, supported by hedging. AUM-driven fees (CHF 48.5bn AUM in 2024) and advisory fees (+6.1% y/y) boost noninterest income. Digital adoption (~78% retail in 2024) and bundled products raised ARPU ~10–12%, while trading, FX and treasury provide diversified, fee-stable flows.
| Metric | 2024 |
|---|---|
| Lending book | CHF 40bn |
| AUM | CHF 48.5bn |
| Advisory fees | +6.1% y/y |
| Retail digital | 78% |
| ARPU lift | 10–12% |