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Berner Kantonalbank
Berner Kantonalbank (BEKN) investor relations material
Berner Kantonalbank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary13 Aug, 2025
Executive summary
Achieved a half-year profit of CHF 76.3 million, up 1.4% year-over-year, despite challenging market conditions and volatile interest rates.
Customer growth and strong commission/service business (+11.1%) supported stable, sustainable development.
Maintained a solid capital base with a Basel III total capital ratio above 20%.
Financial highlights
Total assets increased by 3.4% to CHF 41.9 billion compared to year-end 2024.
Customer loans rose 1.3% to CHF 30.9 billion; mortgage loans up 3.0% to CHF 29.2 billion.
Customer deposits grew 1.7% to CHF 27.5 billion.
Assets under management increased 1.7% to CHF 43.6 billion.
Operating income reached CHF 277.0 million (+2.4% year-over-year); operating expenses rose 4.4% to CHF 140.1 million.
Net interest income slightly decreased by 1.4% to CHF 191.4 million.
Commission and service income grew 11.1% to CHF 62.6 million.
Outlook and guidance
Management remains cautiously optimistic for the second half of 2025, despite ongoing low interest rates and market volatility.
Strong capital and liquidity position support long-term strategy and resilience.
How did SNB rate cuts affect gross interest income?
What drove the increase in operating expenses?
What factors boosted commission income?
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Next Berner Kantonalbank earnings date
H2 202512 Feb, 2026
Berner Kantonalbank
Next Berner Kantonalbank earnings date
H2 202512 Feb, 2026
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Frequently asked questions
Berner Kantonalbank AG is a Swiss regional bank serving the Canton of Bern and surrounding areas. The bank offers a broad spectrum of financial services, including personal and business banking, mortgage and lending solutions, investment management, and retirement planning. BEKB also provides specialized services in areas such as wealth management and asset management for private and institutional clients. Focused on supporting the local economy, the bank combines traditional banking services with digital offerings to enhance customer accessibility and convenience. The company is headquartered in Bern, Switzerland, and its shares are listed on the SIX.
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