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VP Bank (VPBN) investor relations material
VP Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary26 Aug, 2025
Executive summary
Net income/half-year profit rose 150.2% year-over-year to CHF 28.8 million, driven by strong net new money inflows and improved efficiency, despite falling interest rates, adverse currency effects, and geopolitical uncertainties.
Net new money inflow reached CHF 2.1 billion, annualized growth of 8.3%, with all regions and segments contributing.
Client assets under management increased 2.2% to CHF 51.9 billion, despite negative currency impacts.
Operating income grew 7.8% to CHF 175.4 million, supported by strong trading and commission business.
Cost discipline led to a 4% reduction in operating expenses and a cost/income ratio improvement to 81.5%.
Financial highlights
Operating income increased 7.8% year-over-year to CHF 175.4 million; trading income surged 29.5% to CHF 18.9 million.
Net interest income declined 3.6% to CHF 73.2 million due to lower CHF and EUR rates.
Commission and services income rose 1.1% to CHF 69.0 million, reflecting asset growth and new mandates.
One-off insurance benefits of CHF 4.6 million recognized in other income.
Operating expenses fell 4.0% to CHF 142.8 million; cost/income ratio improved to 81.5%.
Outlook and guidance
Business development expected to normalise in the second half of 2025 after a strong first half supported by temporary special effects.
Targets net new money growth above 4% per annum and revenue growth of 4–6% per annum.
Aims to maintain Tier 1 ratio above 20% and keep cost/income ratio at a sustainably competitive level.
Strategic focus on core strengths, market presence, and efficiency initiatives.
Robust demand base and stable operating development anticipated, despite geopolitical uncertainties.
H1 2025 profit excluding one-off benefits?
Growth in focused EAM/private client markets?
Net interest income trend post-reclassification?
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Frequently asked questions
VP Bank AG, established in 1956, is a Liechtenstein-based banking institution that has grown into a prominent financial services provider. Specializing in asset management and investment consulting, VP Bank AG offers a range of services tailored to both private and institutional investors. These services include wealth planning, independent investment consulting, and a wide selection of investment products through an open architecture platform. The company is headquartered in Vaduz, Liechtenstein, and its shares are listed on the SIX.
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