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Basler Kantonalbank (BSKP) investor relations material
Basler Kantonalbank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Group net profit rose by 6.7% year-over-year to CHF 85.6 million in the first half of 2025, driven by broad-based earnings growth and efficiency gains.
Net income from interest activities increased 4.9% to CHF 232.0 million, while commission and service income grew 2.0% to CHF 69.7 million.
Operating profit improved by 5.0% to CHF 139.1 million, with reserves for general banking risks strengthened by CHF 45.5 million.
Client growth was robust, with nearly 7,000 new clients, largely due to the Zak app from Bank Cler.
Financial highlights
Cost income ratio improved to 55.0% from 55.2% year-over-year, meeting the 2025 target.
Return on equity reached 5.8%, up from 5.7% in the prior year period.
Total capital ratio stood at 18.4%, well above the 16.0% target.
Net stable funding ratio was 123.2%, exceeding the 110% target.
Group total assets slightly decreased by 0.4% to CHF 55.6 billion; mortgage loans fell 0.6% to CHF 33.6 billion.
Outlook and guidance
The economic and geopolitical environment is expected to remain challenging, with low interest rates as a key factor.
The new “2026+” strategy will be presented in August 2025, focusing on adapting to dynamic market conditions.
Management remains cautiously optimistic, aiming to build on the stable earnings base.
- TimeTickerHeadlineOpen
- 9412
Profits and equity improved, with upward revisions to full-year forecasts and new subsidiaries added. - NVDA
AI is transforming enterprises by enabling intent-driven innovation and technology-first strategies. - DNLM
H1 sales up 3.6% to £926m; digital mix 41%; PBT to hit lower end of consensus. - CRW
Double-digit growth, strong cash flow, and new leadership drive confidence for FY25. - 7011
Strong revenue and profit growth in FY2025, with raised guidance and key divestiture impact. - 8053
Profit attributable to owners dipped 1.9% despite higher revenues and strong FX gains. - 323410
Strong growth in customers, profits, and deposits, with stable asset quality and global milestones. - 3407
Net income rose 22.7% year-over-year, with improved financials and a revised upward forecast. - RYM
Refreshed strategy targets NZD 150m cash flow uplift, NZD 500m cash release, and resumed dividends by FY 2028. - 9101
Profits fell across most segments, but energy shipping and a major acquisition stood out.
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