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Banque Cantonale Vaudoise
Banque Cantonale Vaudoise (BCVN) investor relations material
Banque Cantonale Vaudoise H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary21 Aug, 2025
Executive summary
Revenues remained stable at CHF 579m, with net profit down 3% year-over-year to CHF 215m–CHF 250m after two record years, reflecting strong diversification and cost control.
Business volumes and assets under management increased across all client segments, with AuM rising to CHF 126.5bn, up 2% from year-end 2024.
Mortgage, commercial credit, deposits, and assets under management all increased; minor outflow in net new money due to a single large corporate withdrawal.
Dividend payout increased to CHF 4.40 per share, totaling CHF 379m, with all AGM agenda items approved.
Growth observed across all business lines, with stable revenues despite a challenging interest rate environment.
Financial highlights
Net profit of CHF 215m–CHF 250m, down 3% year-over-year; revenues stable at CHF 579m.
Net interest income declined by 8% (CHF 22m), while commission and trading income rose due to favorable market conditions.
Operating profit declined 3% to CHF 251m; operating expenses remained stable at CHF 282m.
Total assets grew 1% to CHF 61.2bn; AuM up 2% to CHF 126.5bn.
Cost/income ratio increased to 56.2%.
Outlook and guidance
Swiss and Vaud economies remain resilient, with low unemployment and controlled inflation, but growth forecasts have been revised downward due to global tariffs and geopolitical tensions.
U.S. tariffs and a weaker dollar may marginally impact certain export sectors, but no significant risk to overall results is expected in H2 2025.
The SNB cut its policy rate to 0% in June 2025 to support the economy.
Real estate market remains dynamic, supported by demographic growth and declining interest rates.
Net interest margin expected to face continued pressure; commission business anticipated to partially offset this.
Explain drivers of Wealth Management AUM growth.
Assess impact of US tariffs on Corporate Banking.
How did SNB rate cuts affect net interest income?
How is BCV assessing US tariff risk for SMEs?
Explain NII dynamics if SNB rates go negative
What drove higher AUM-related commission margins?
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Next Banque Cantonale Vaudoise earnings date
H2 202512 Feb, 2026
Banque Cantonale Vaudoise
Next Banque Cantonale Vaudoise earnings date
H2 202512 Feb, 2026
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Frequently asked questions
Banque Cantonale Vaudoise is a Swiss regional bank that provides a broad range of financial services to individuals, businesses, and institutions. Its offerings include retail banking services such as savings and checking accounts, mortgages, loans, and credit cards, as well as wealth management, investment services, and corporate banking. BCV primarily serves the Canton of Vaud, focusing on personal banking, small and medium-sized enterprises (SMEs), and institutional clients, with an emphasis on regional economic development and financial stability. The company is headquartered in Lausanne, Switzerland, and its shares are listed on the SIX.
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