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Luzerner Kantonalbank
Luzerner Kantonalbank (LUKN) investor relations material
Luzerner Kantonalbank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary5 Feb, 2026
Executive summary
Achieved record consolidated profit of CHF 295.5 million in 2025, up 3.1% year-over-year, with all strategic financial targets for 2021–2025 exceeded.
Growth targets for new money in mandates, non-interest income, and lending were exceeded, with client assets under management rising 7.9% to CHF 42.6 billion.
Broad-based growth across interest, commission, and trading income, despite a zero-interest-rate environment and volatile markets.
Proposed gross distribution per share increased to CHF 2.70, with a 45.2% payout ratio and over CHF 100 million distributed to the canton of Lucerne.
Financial highlights
Operating income grew 6.2% year-over-year to CHF 691.0 million.
Net interest income reached CHF 458.1 million (+3.2%), commission income CHF 143.2 million (+10.1%), and trading income CHF 76.0 million (+34.5%).
Non-interest income totaled CHF 232.9 million, exceeding the CHF 215 million target.
Operating expenses rose 6.5% to CHF 326.4 million, with personnel expenses up 4.5% and general/admin expenses up 11.5%.
Loans to clients increased 6.9% to CHF 46.4 billion, with mortgage loans up 7.0%.
Outlook and guidance
For 2026, targets include consolidated profit of at least CHF 295 million, non-interest income of at least CHF 240 million, lending growth of 3.5–5.5%, and net growth in mandates of at least CHF 1.2 billion.
Strategic investments of CHF 50 million planned for 2026–2030 to drive digitalisation, advisory, and specialty business.
Long-term ambition to be among the top five full-service banks in Switzerland by 2030, with a consolidated profit target over CHF 340 million.
Cost-income ratio cap remains at 50%.
Explain H2 2025 interest income decline
Reconcile 2026 investments with profit outlook
Rationale for lower 2025 other ordinary income
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Next Luzerner Kantonalbank earnings date
H1 202620 Aug, 2026
Luzerner Kantonalbank
Next Luzerner Kantonalbank earnings date
H1 202620 Aug, 2026
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Frequently asked questions
Luzerner Kantonalbank AG is a Swiss regional bank providing a range of financial services including retail and corporate banking, wealth management, mortgage lending, and investment advisory. Serving both private and business clients, the bank offers products such as personal and business accounts, loans, savings plans, and financial advisory services tailored to the needs of individuals, families, and enterprises. Luzerner Kantonalbank has a strong presence in the Lucerne region and places an emphasis on supporting the local economy through customized banking solutions and financial planning services. The company is headquartered in Lucerne, Switzerland, and its shares are listed on the SIX.
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